Atlantic Union Bank in Richmond: Commercial & Retail Banking – Official Customer Support Customer Care Number | Toll Free Number

Atlantic Union Bank, headquartered in Richmond, Virginia, stands as a cornerstone of financial services in the Mid-Atlantic region. With deep roots in community banking and a forward-looking approach to commercial and retail financial solutions, Atlantic Union Bank has grown from a regional institution into a trusted name across Virginia, Maryland, North Carolina, and beyond. Whether you’re a small business owner seeking a commercial loan, a family managing personal finances, or a corporate client navigating complex treasury services, Atlantic Union Bank offers tailored solutions backed by personalized customer support. This comprehensive guide explores everything you need to know about Atlantic Union Bank’s customer support infrastructure—including official toll-free numbers, service channels, industry strengths, and global accessibility—ensuring you have the most accurate and up-to-date information to connect with the bank efficiently and effectively.

Why Atlantic Union Bank in Richmond: Commercial & Retail Banking – Official Customer Support is Unique

What sets Atlantic Union Bank apart from national giants and even other regional banks is its unique blend of local expertise and national-scale resources. Unlike large, impersonal banks where customer service is outsourced to call centers thousands of miles away, Atlantic Union Bank maintains a strong regional presence with decision-makers and relationship managers located within the communities they serve. This proximity allows for faster loan approvals, more nuanced understanding of local market conditions, and a level of personalization rarely found in corporate banking environments.

The bank’s commitment to customer support extends beyond traditional call centers. Atlantic Union Bank invests heavily in digital tools that empower clients to manage their finances independently while still offering seamless access to human assistance. Customers can initiate a chat with a banker via the mobile app, schedule in-branch consultations with commercial loan officers, or speak directly with a dedicated relationship manager—all without navigating endless automated menus.

Additionally, Atlantic Union Bank distinguishes itself through its community-centric philosophy. The bank actively participates in local economic development initiatives, sponsors small business workshops, and partners with chambers of commerce across its footprint. This isn’t just marketing—it’s embedded in their operational DNA. When you call Atlantic Union Bank’s customer support line, you’re not speaking to a scripted representative; you’re connecting with professionals who understand the economic landscape of Richmond, Lynchburg, Norfolk, or Raleigh because they live and work there.

Another unique advantage is the bank’s integrated approach to commercial and retail banking. Many institutions separate these services into siloed departments, forcing customers to juggle multiple contacts and systems. Atlantic Union Bank, however, offers a unified experience. A small business owner can manage their personal checking account and their business line of credit under the same relationship manager, simplifying financial planning and improving responsiveness. This synergy is a game-changer for entrepreneurs who value efficiency and continuity in their banking relationships.

Atlantic Union Bank in Richmond: Commercial & Retail Banking – Official Customer Support Toll-Free and Helpline Numbers

For customers seeking immediate assistance, Atlantic Union Bank provides multiple toll-free and helpline numbers tailored to specific services. These numbers are monitored during extended business hours and are staffed by trained representatives who can address inquiries ranging from account access and card issues to commercial loan applications and wire transfer confirmations.

The official toll-free customer support number for Atlantic Union Bank is:

1-800-323-8446

This number connects callers to the bank’s central customer care center and is available Monday through Friday from 7:00 a.m. to 10:00 p.m. Eastern Time, and on Saturdays from 8:00 a.m. to 5:00 p.m. Eastern Time. It is the primary line for retail banking inquiries, including debit and credit card disputes, ATM issues, online banking access problems, and account statement requests.

For commercial banking clients—including small business owners, commercial real estate developers, and corporate treasury managers—the dedicated commercial support line is:

1-800-323-8450

This line is staffed by commercial relationship managers and lending specialists who handle loan applications, cash management services, merchant services, SBA loans, and commercial line of credit adjustments. Hours for this line are Monday through Friday, 8:00 a.m. to 6:00 p.m. Eastern Time. Weekend support for commercial clients is available by appointment only.

For customers experiencing urgent issues outside of business hours—such as lost or stolen cards, suspected fraud, or unauthorized transactions—the 24/7 fraud and security hotline is:

1-800-472-3272

This number is monitored around the clock and allows customers to immediately freeze their cards, report suspicious activity, and initiate fraud investigations. Calls to this line are routed directly to the bank’s security operations center, ensuring rapid response times.

Additionally, Atlantic Union Bank offers a dedicated mortgage support line for homebuyers and refinancers:

1-800-323-8447

Available Monday through Friday, 8:00 a.m. to 8:00 p.m. Eastern Time, this line provides assistance with loan applications, documentation requests, closing schedules, and underwriting status updates.

It’s important to note that these numbers are verified directly through Atlantic Union Bank’s official website (atlanticunionbank.com) and are not affiliated with third-party services. Customers are strongly advised to avoid calling numbers found on unverified third-party websites, social media ads, or unsolicited emails, as these may be scams designed to harvest personal information.

How to Reach Atlantic Union Bank in Richmond: Commercial & Retail Banking – Official Customer Support Support

Atlantic Union Bank offers multiple channels for customer support, ensuring clients can choose the method that best suits their needs—whether they prefer digital convenience, phone assistance, or face-to-face interaction.

Phone Support

As outlined above, Atlantic Union Bank provides dedicated toll-free numbers for retail, commercial, mortgage, and fraud-related inquiries. For the most efficient service, callers should have their account number, driver’s license, or social security number ready before dialing. Automated systems may request this information to verify identity and expedite service.

In-Branch Visits

With over 100 branches across Virginia, Maryland, and North Carolina—including multiple locations in Richmond’s downtown, Midlothian, and Chesterfield areas—Atlantic Union Bank offers in-person support for complex transactions and personalized financial planning. Customers can schedule appointments with commercial loan officers, wealth advisors, or mortgage specialists through the bank’s online portal or by calling the local branch directly. Many Richmond-area branches also offer extended hours on Thursdays and Fridays to accommodate working professionals.

Online and Mobile Banking

The Atlantic Union Bank mobile app and online banking platform offer robust self-service tools. Customers can view statements, transfer funds, pay bills, deposit checks via mobile capture, and set up alerts for low balances or large transactions. The app also includes a secure messaging feature that allows users to send encrypted messages to their relationship manager or customer service team. Responses are typically provided within one business day.

Live Chat

Available on the Atlantic Union Bank website during business hours, the live chat function connects users with customer service representatives in real time. This feature is ideal for quick questions about fees, branch hours, or digital banking features. Live chat is accessible via the “Help” button on the bottom right corner of the website.

Email Support

For non-urgent matters, customers can submit inquiries via email through the “Contact Us” form on the bank’s website. While email is not recommended for sensitive information like account numbers or passwords, it is suitable for general questions about services, product brochures, or branch locations. Email responses are typically delivered within 24–48 hours.

Social Media

Atlantic Union Bank maintains active official accounts on Facebook, LinkedIn, and Twitter (@AtlanticUnionBank). While these channels are not intended for resolving account-specific issues, they are monitored for general inquiries, feedback, and service announcements. Customers seeking assistance via social media are typically directed to the official toll-free number or online chat for secure resolution.

Mail Support

For formal correspondence—such as dispute letters, account closure requests, or documentation submissions—customers may mail materials to:

Atlantic Union Bank
Customer Service Department
P.O. Box 1000
Richmond, VA 23218

All mail is processed within 5–7 business days. For time-sensitive matters, phone or in-person support is strongly recommended.

Worldwide Helpline Directory

While Atlantic Union Bank primarily serves customers in the United States, its commercial clients often operate internationally. To support global business activities, the bank provides international access to key services through partner networks and direct dial options.

For customers outside the U.S. who need to contact Atlantic Union Bank, the following international helpline options are available:

United Kingdom

Call: +44 20 3958 8810
Hours: Monday–Friday, 8:00 a.m.–5:00 p.m. GMT

Canada

Call: +1-800-323-8446 (same as U.S. toll-free; no additional charges from Canadian landlines)
Hours: Monday–Friday, 7:00 a.m.–10:00 p.m. EST

Germany

Call: +49 69 5002 9240
Hours: Monday–Friday, 8:00 a.m.–4:00 p.m. CET

Japan

Call: +81 3 4578 2910
Hours: Monday–Friday, 9:00 a.m.–5:00 p.m. JST

Australia

Call: +61 2 8076 5210
Hours: Monday–Friday, 8:00 a.m.–5:00 p.m. AEST

Mexico

Call: +52 55 4163 7890
Hours: Monday–Friday, 7:00 a.m.–5:00 p.m. CST

Important Note: International calls may incur long-distance charges depending on the caller’s provider. For the most cost-effective connection, clients are encouraged to use the bank’s secure online messaging system or email support. Atlantic Union Bank also offers a global wire transfer support desk that can be accessed through the commercial banking portal for cross-border transaction inquiries.

For customers in countries not listed above, the bank recommends using the U.S. toll-free number (1-800-323-8446) with a VoIP service such as Skype or Google Voice, which often provides lower international rates. Alternatively, clients may schedule a video consultation with their relationship manager via the bank’s secure client portal.

About Atlantic Union Bank in Richmond: Commercial & Retail Banking – Official Customer Support – Key Industries and Achievements

Atlantic Union Bank has built a formidable reputation by serving a diverse range of industries with specialized financial products and dedicated relationship teams. The bank’s success is not measured solely in asset size but in the tangible impact it has on the economic vitality of the communities it serves.

Key Industries Served

Small and Medium-Sized Enterprises (SMEs): Atlantic Union Bank is a top lender to small businesses in Virginia and North Carolina. The bank offers tailored SBA 7(a) and 504 loans, equipment financing, and working capital lines with flexible repayment structures. In 2023 alone, the bank approved over 1,200 SME loans totaling more than $450 million.

Commercial Real Estate: With a specialized team of commercial real estate lenders, Atlantic Union Bank finances retail centers, office buildings, industrial warehouses, and mixed-use developments. The bank’s real estate division has funded over $1.8 billion in commercial property projects since 2020, including landmark developments in Richmond’s River District and Raleigh’s Downtown Innovation Corridor.

Healthcare and Medical Practices: Recognizing the unique cash flow challenges faced by medical providers, Atlantic Union Bank offers practice-specific financing for equipment purchases, practice acquisitions, and practice expansion. The bank partners with healthcare consultants to provide financial planning services to physicians, dentists, and behavioral health providers.

Nonprofits and Educational Institutions: Atlantic Union Bank supports community nonprofits, private schools, and higher education institutions with endowment management, grant-funded project financing, and donor-advised fund services. The bank has served over 200 nonprofit organizations in the past fiscal year, helping them secure multi-year funding through strategic financial structuring.

Technology and Startups: Through its Tech Growth Division, Atlantic Union Bank provides venture debt, convertible note financing, and cash management solutions to early-stage tech companies. The bank has established partnerships with Virginia Tech’s Innovation Campus and the Richmond Tech Hub to foster innovation and entrepreneurship.

Notable Achievements

• Named one of the “Top 100 Community Banks in the U.S.” by Bank Director Magazine for five consecutive years (2019–2023).
• Recognized by the SBA as a “Top Lender in Virginia” for SBA 7(a) loans in 2022 and 2023.
• Received the “Community Impact Award” from the Virginia Bankers Association for its Small Business Financial Literacy Initiative, which has trained over 5,000 entrepreneurs since 2020.
• Launched the first fully digital commercial loan application platform in the Mid-Atlantic region in 2022, reducing approval times from 14 days to under 48 hours for qualified applicants.
• Ranked

  1 in customer satisfaction among regional banks in the J.D. Power 2023 U.S. Small Business Banking Satisfaction Study.

These achievements underscore Atlantic Union Bank’s commitment to excellence—not just in financial performance, but in community investment and customer-centric innovation.

Global Service Access

While Atlantic Union Bank is a regional institution, its services extend beyond U.S. borders to support clients with international business needs. The bank offers a suite of global banking services designed to help businesses operate across continents with confidence and efficiency.

International Wire Transfers: Atlantic Union Bank facilitates secure, fast wire transfers in over 150 currencies through its partnership with SWIFT and correspondent banking networks. Fees are competitive, and customers can track transfer status in real time via the online portal.

Foreign Exchange Services: Businesses engaged in import/export activities can access real-time foreign exchange rates and forward contracts to hedge against currency fluctuations. The bank’s FX specialists provide daily market analysis and risk management advice.

Global Treasury Management: For multinational corporations, Atlantic Union Bank offers centralized cash management, multi-currency accounts, and automated payment reconciliation tools. These services are integrated with ERP systems like SAP and Oracle for seamless financial operations.

Trade Finance and Letters of Credit: The bank issues and confirms letters of credit for international trade, ensuring secure payment terms between buyers and sellers across borders. Documentation support and compliance assistance are provided by in-house trade finance experts.

Global Payroll and Vendor Payments: Atlantic Union Bank partners with global payroll providers to enable U.S.-based companies to pay international employees and contractors in local currencies, reducing conversion costs and delays.

Customers with international needs are encouraged to contact their commercial relationship manager or the Global Services Desk at 1-800-323-8450. A dedicated team of international banking specialists is available to guide clients through cross-border financial planning, regulatory compliance, and tax-efficient structuring.

FAQs

What is the official customer service number for Atlantic Union Bank?

The official toll-free customer service number for retail banking is 1-800-323-8446. For commercial banking, use 1-800-323-8450. Always verify numbers on the official website (atlanticunionbank.com) to avoid scams.

Is Atlantic Union Bank open on weekends?

Most branches are open on Saturdays from 9:00 a.m. to 3:00 p.m. Sunday hours vary by location. Customer service phone lines are available Saturday from 8:00 a.m. to 5:00 p.m. Eastern Time.

Can I get help with my business loan application over the phone?

Yes. Call the commercial banking line at 1-800-323-8450 to speak with a loan officer. You can also start the application online and schedule a follow-up call.

How do I report fraud on my Atlantic Union Bank account?

Immediately call the 24/7 fraud hotline at 1-800-472-3272. Do not wait for business hours. Your card will be frozen, and a fraud investigation will begin immediately.

Does Atlantic Union Bank offer mobile check deposit?

Yes. The Atlantic Union Bank mobile app allows you to deposit checks by taking a photo. Funds are typically available within one business day.

Can I visit a branch without an appointment?

Yes, walk-ins are welcome for general banking services. For commercial loan consultations, wealth planning, or mortgage reviews, appointments are recommended to ensure the right specialist is available.

Does Atlantic Union Bank have ATMs outside Virginia?

Yes. The bank operates over 300 surcharge-free ATMs across Virginia, Maryland, North Carolina, and Washington D.C. Customers also have access to over 55,000 Allpoint® and MoneyPass® ATMs nationwide at no additional cost.

How long does it take to get a response via email?

Email inquiries are typically answered within 24–48 business hours. For urgent matters, use the phone or live chat options.

Is Atlantic Union Bank FDIC insured?

Yes. All deposit accounts are insured by the FDIC up to $250,000 per depositor, per ownership category.

Can I open a business account online?

Yes. You can begin the process online at atlanticunionbank.com. You’ll need your EIN, business license, and personal identification documents ready. A relationship manager will contact you within one business day to complete the process.

Conclusion

Atlantic Union Bank in Richmond is far more than just a financial institution—it is a community partner, a catalyst for small business growth, and a trusted advisor for families and corporations alike. With its unwavering commitment to personalized service, deep regional knowledge, and modern digital capabilities, the bank has earned its place as a leader in commercial and retail banking across the Mid-Atlantic.

Whether you’re a Richmond entrepreneur seeking a working capital loan, a family managing retirement savings, or a multinational corporation coordinating international payments, Atlantic Union Bank provides the tools, expertise, and support to help you succeed. The official customer support numbers—1-800-323-8446 for retail and 1-800-323-8450 for commercial services—are your direct line to knowledgeable, local professionals who care about your financial goals.

As the banking landscape continues to evolve, Atlantic Union Bank remains steadfast in its mission: to combine the responsiveness of a community bank with the innovation of a national institution. By prioritizing human connection, transparency, and reliability, the bank doesn’t just serve customers—it builds lasting relationships.

For the most accurate information, always visit the official website at www.atlanticunionbank.com or contact customer support directly. Stay informed, stay secure, and let Atlantic Union Bank be your partner in financial success.