Atlantic Union Bank (parent: Atlantic Union Bankshares Corporation, NASDAQ: AUB) is now the largest regional bank headquartered in the lower Mid-Atlantic, with approximately $40+ billion in total assets and approximately 182 branches across Virginia, North Carolina, and Maryland. The bank is headquartered in Richmond, Virginia, and has grown rapidly through two major mergers over the past two years: the April 1, 2024 acquisition of American National Bankshares (which added Central, Western, and Southern Virginia plus a meaningful entry into the North Carolina Piedmont Triad and Raleigh), and the much larger April 1, 2025 acquisition of Sandy Spring Bancorp (which added significant Maryland and DC-metro presence and brought the combined branch count to 182). Sandy Spring Bank’s branches and operations were fully integrated into Atlantic Union by October 14, 2025.
Map of Atlantic Union Bank locations near me
Use the Atlantic Union branch locator below to find the nearest Atlantic Union Bank in your location, with branch hours, services, and contact details. The map covers all 182 Atlantic Union Bank branches across the 3-state Virginia, North Carolina, and Maryland footprint. You can click ‘Use my location‘ to view branches and ATMs around you on the map.
Atlantic Union Bank at a glance
- Official name: Atlantic Union Bank (a Virginia state-chartered bank, Member FDIC)
- Parent company: Atlantic Union Bankshares Corporation (NASDAQ: AUB)
- Headquarters: Richmond, Virginia
- Branches: approximately 182 across 3 US states (Virginia, North Carolina, Maryland)
- Total assets: approximately $40+ billion (post April 2025 Sandy Spring Bancorp merger)
- Market position: the largest regional bank headquartered in the lower Mid-Atlantic
- Customer service: 1-800-990-4828 (Monday to Friday 8:00 AM to 8:00 PM ET; Saturday 9:00 AM to 5:00 PM ET)
- International callers: +1-804-633-5031
- Primary routing number: 051403164
- Stock ticker: AUB on NASDAQ
- Major recent acquisitions: American National Bankshares (April 1, 2024, added VA/NC); Sandy Spring Bancorp (April 1, 2025, added MD/DC, full integration October 14, 2025)
- FDIC insurance: yes, deposits insured up to $250,000 per depositor, per insured bank, per account ownership category
Atlantic Union Bank branch near me
Atlantic Union Bank operates approximately 182 retail branches across 3 US states. Use the official Atlantic Union branch locator at atlanticunionbank.com to find a branch with addresses, phone numbers, hours, services, and a map.
Atlantic Union Bank in Virginia (home state)
Virginia is Atlantic Union’s home and densest market, with the bank headquartered in Richmond. Major Virginia concentrations include:
- Richmond and the Richmond metro: the headquarters region, with branches across the City of Richmond, Henrico County (Glen Allen, the West End), Chesterfield County, and Hanover County
- Hampton Roads (Coastal Virginia): Virginia Beach, Norfolk, Newport News, Hampton, Chesapeake, Suffolk, and Williamsburg
- Northern Virginia (the DC suburbs): Arlington, Fairfax, Loudoun, Prince William, Stafford counties, including major markets like Tysons, Reston, Herndon, Manassas, and Woodbridge
- Central Virginia and the Piedmont: Charlottesville, Lynchburg, Danville (gained through the 2024 American National merger), and Farmville
- Western Virginia and the Shenandoah Valley: Roanoke, Staunton, Harrisonburg, and Winchester
- Southwestern Virginia: Bristol and Abingdon
Atlantic Union Bank in North Carolina (post 2024 American National merger)
North Carolina entered Atlantic Union’s footprint through the April 2024 American National Bankshares merger. The North Carolina footprint includes:
- The Piedmont Triad: Greensboro, Winston-Salem, High Point, and surrounding Guilford and Forsyth counties
- Raleigh-Durham (the Research Triangle): Raleigh, Durham, Chapel Hill, and Cary, including major Wake County markets
- Additional North Carolina markets in the central and northern part of the state
Atlantic Union Bank in Maryland (post 2025 Sandy Spring merger)
Maryland became a major Atlantic Union market through the April 2025 Sandy Spring Bancorp acquisition. Sandy Spring had been a Maryland-headquartered (Olney, MD) regional bank with significant presence in the Washington DC suburbs. The Maryland footprint now includes:
- Montgomery County: Bethesda, Rockville, Silver Spring, Gaithersburg, Olney (the former Sandy Spring HQ), Germantown
- Prince George’s County: Bowie, Largo, and Upper Marlboro
- Baltimore metro: select branches in Baltimore County and the surrounding region
- Anne Arundel County: Annapolis and surrounding Naval Academy region
- Howard County: Columbia and Ellicott City
- Frederick County and Western Maryland
For the official state list with branch addresses, see atlanticunionbank.com.
Atlantic Union Bank ATM near me
Use the Atlantic Union ATM finder to find the closest Atlantic Union Bank ATM machine around you, including drive-up and 24-hour ATMs at branches. Atlantic Union operates approximately 182+ ATMs at branches across the 3-state footprint plus additional standalone ATMs in major markets.
- Atlantic Union branded ATMs: Atlantic Union checking and savings customers can use any Atlantic Union ATM fee-free for withdrawals, deposits, and balance inquiries.
- Out-of-network ATMs: using a non-Atlantic Union ATM may incur a fee from Atlantic Union plus the ATM operator’s surcharge. Some premium account tiers refund a limited number of out-of-network ATM fees per statement cycle.
- Drive-up ATMs: many Atlantic Union branches have drive-up ATMs accessible 24/7, particularly in suburban Virginia, North Carolina, and Maryland markets.
- Deposit ATMs: modern Atlantic Union branch ATMs accept cash and check deposits without an envelope, with funds typically available the next business day.
Atlantic Union Bank distinctive features: the 2024-2025 transformation
The April 1, 2024 American National Bankshares acquisition
Atlantic Union completed its merger with American National Bankshares Inc. on April 1, 2024. American National was a Danville, Virginia-headquartered regional bank with branches across Central, Western, and Southern Virginia plus an existing presence in the North Carolina Piedmont Triad (Greensboro, Winston-Salem) and Raleigh. The deal strengthened Atlantic Union’s existing Virginia footprint and gave the bank a meaningful new entry point into North Carolina. American National branches were rebranded as Atlantic Union over the course of 2024 and into 2025.
The October 2024 announcement and April 2025 Sandy Spring Bancorp acquisition
In October 2024, Atlantic Union announced the planned acquisition of Sandy Spring Bancorp, the Maryland-headquartered (Olney, MD) parent of Sandy Spring Bank. The all-stock deal was approved by shareholders and federal bank regulators in early 2025, and the merger closed on April 1, 2025. Sandy Spring had approximately $14 billion in assets and significant Maryland and DC-metro presence at the time of the merger.
The combined organization became the largest regional bank headquartered in the lower Mid-Atlantic with 182 branches across Virginia, North Carolina, and Maryland and approximately $40+ billion in total assets. The Sandy Spring Bank brand was retired and all Sandy Spring branches transitioned to Atlantic Union over the integration period. Atlantic Union announced on October 14, 2025 that the full integration of Sandy Spring’s branches, deposits, loans, technology systems, and back-office operations was complete.
The two-merger transformation
The 2024 American National and 2025 Sandy Spring mergers, taken together, transformed Atlantic Union from a primarily Virginia regional bank (with approximately $20 billion in assets pre-2024) into a $40+ billion Virginia-Carolinas-Maryland regional bank with 182 branches. The deals roughly doubled Atlantic Union’s size and added significant North Carolina and Maryland presence that the bank had previously lacked. Atlantic Union is now the largest bank headquartered in Virginia by branch count and assets.
Atlantic Union Bank hours, Saturday hours, and open now
Atlantic Union Bank branch hours vary by location, but most branches follow this typical schedule:
| Day | Typical hours |
|---|---|
| Monday to Friday | 9:00 AM to 5:00 PM lobby; drive-up often opens earlier and closes later at many branches |
| Saturday | 9:00 AM to 12:00 PM at many Atlantic Union branches; some closed Saturday |
| Sunday | Closed at all branches |
Atlantic Union Bank branches are closed on the standard 11 US federal holidays. ATMs at all branches are available 24/7 even when the branch is closed. The Atlantic Union customer service line at 1-800-990-4828 is open Monday to Friday 8:00 AM to 8:00 PM ET and Saturday 9:00 AM to 5:00 PM ET. The international callers line at +1-804-633-5031 is available for customers calling from outside the US. For exact hours at your specific branch, use the official Atlantic Union locator at atlanticunionbank.com.
Federal holidays:
- New Year’s Day (January 1)
- Martin Luther King Jr. Day (third Monday of January)
- Presidents Day (third Monday of February)
- Memorial Day (last Monday of May)
- Juneteenth National Independence Day (June 19)
- Independence Day (July 4)
- Labor Day (first Monday of September)
- Columbus Day (second Monday of October)
- Veterans Day (November 11)
- Thanksgiving Day (fourth Thursday of November)
- Christmas Day (December 25)
Is Atlantic Union Bank open now near me? Most Atlantic Union branches keep weekday business hours (9 AM to 5 PM ET) plus Saturday morning hours at many locations. ATMs at all branches are available 24/7. The customer service line is open M-F 8 AM-8 PM ET and Saturday 9 AM-5 PM ET (1-800-990-4828).
Contact Atlantic Union Bank: customer service phone numbers
- Atlantic Union Bank Customer Service (main line): 1-800-990-4828 (Monday to Friday 8:00 AM to 8:00 PM ET; Saturday 9:00 AM to 5:00 PM ET)
- International callers (from outside the United States): +1-804-633-5031
- Atlantic Union Bank Online and Mobile Banking technical support: 1-800-990-4828 (same as main line)
- Atlantic Union Mortgage: contact through the main line or your dedicated mortgage banker
- Visit a branch: use the locator at atlanticunionbank.com to find your nearest branch and its direct phone number
About Atlantic Union Bank: Virginia banking heritage and the 2024-2025 transformation
Origin and Virginia heritage
Atlantic Union Bank traces back to early 20th-century Virginia community banking. The bank was formerly known as Union Bank & Trust and operates today as the principal subsidiary of Atlantic Union Bankshares Corporation, a publicly traded Virginia-headquartered bank holding company.
20th-century expansion across Virginia
Through the 20th century, Atlantic Union (under its Union Bank & Trust predecessor name) grew steadily by serving the Virginia community banking economy and through acquisitions of smaller Virginia community banks. By the early 2000s, the bank had become one of the larger Virginia-headquartered banks.
The 2019 Xenith Bankshares merger and Atlantic Union name
In 2019, the bank adopted the Atlantic Union Bank name (replacing the former Union Bank & Trust brand) following the 2018 acquisition of Xenith Bankshares. The Atlantic Union name reflected the bank’s expanded footprint across Virginia and the Atlantic-coast Mid-Atlantic region.
The April 2024 American National Bankshares merger
On April 1, 2024, Atlantic Union completed the acquisition of American National Bankshares Inc. American National was a Danville, Virginia-headquartered regional bank that brought additional Central, Western, and Southern Virginia presence plus Atlantic Union’s first meaningful North Carolina footprint (the Piedmont Triad and Raleigh).
The April 2025 Sandy Spring Bancorp merger
The most significant transaction in Atlantic Union’s history is the April 1, 2025 acquisition of Sandy Spring Bancorp, a Maryland-headquartered ($14 billion in assets) regional bank with significant DC-metro Maryland presence. The combined organization became the largest regional bank headquartered in the lower Mid-Atlantic. Sandy Spring’s branches and operations were fully integrated into Atlantic Union by October 14, 2025.
Atlantic Union Bank today
Atlantic Union Bank is now a $40+ billion regional bank with 182 branches across Virginia, North Carolina, and Maryland. The bank serves both consumer (checking, savings, mortgages, credit cards) and commercial (middle-market commercial banking, treasury management, small business banking, commercial real estate) customers across its Mid-Atlantic footprint.
Frequently asked questions
Where is the Nearest Atlantic Union Bank Branch Near Me?
Use the official Atlantic Union Bank locator at atlanticunionbank.com to find your nearest branch by ZIP code, city, or state. Atlantic Union operates approximately 182 branches across 3 US states (Virginia, North Carolina, Maryland), with the densest concentration in Virginia (the home state and Richmond HQ), Maryland (post the April 2025 Sandy Spring Bancorp acquisition), and the North Carolina Piedmont Triad and Raleigh (post the April 2024 American National Bankshares acquisition).
How to Find the Closest Atlantic Union Bank ATM Around Your Location
Use the Atlantic Union ATM finder at atlanticunionbank.com to find the closest Atlantic Union Bank ATM machine around you. Atlantic Union operates approximately 182+ ATMs at branches and additional standalone ATMs in major markets across its 3-state Mid-Atlantic footprint. ATMs at branches are typically accessible 24/7 even when the branch is closed.
Use the Map to See Locations of Atlantic Union Bank Around You
The map on this page shows Atlantic Union Bank branches and ATMs near your location. Atlantic Union has the densest branch concentrations in Virginia (the home state and Richmond HQ region), Northern Virginia (DC suburbs), Hampton Roads, Maryland (post Sandy Spring 2025), and the North Carolina Piedmont Triad and Raleigh (post American National 2024).
What is the Atlantic Union Bank customer service phone number?
The main Atlantic Union Bank customer service number is 1-800-990-4828, available Monday to Friday 8:00 AM to 8:00 PM ET and Saturday 9:00 AM to 5:00 PM ET. For international callers from outside the United States, use +1-804-633-5031.
What is the Atlantic Union Bank routing number?
The primary Atlantic Union Bank routing number is 051403164. To find your specific routing number, check the bottom of your checks, log in to Atlantic Union Online Banking, look in the Atlantic Union mobile app under account details, or call customer service at 1-800-990-4828.
Is Atlantic Union Bank FDIC insured?
Yes. Atlantic Union Bank is FDIC insured. Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
Where is Atlantic Union Bank headquartered?
Atlantic Union Bank is headquartered in Richmond, Virginia. The bank’s commercial and corporate office buildings are in downtown Richmond and the surrounding Glen Allen (Henrico County) area.
How many Atlantic Union Bank locations are there?
Atlantic Union Bank operates approximately 182 branches across 3 US states with approximately $40+ billion in total assets after the April 2025 Sandy Spring Bancorp acquisition. The largest concentrations are in Virginia (the home state since the bank’s founding), Maryland (post Sandy Spring), and North Carolina (post American National).
What happened with the Sandy Spring Bank acquisition?
Atlantic Union completed the acquisition of Sandy Spring Bancorp on April 1, 2025, in an all-stock merger. Sandy Spring had approximately $14 billion in assets and was Maryland-headquartered (Olney, MD) with significant DC-metro Maryland presence. The combined organization became the largest regional bank headquartered in the lower Mid-Atlantic. The Sandy Spring Bank brand was retired and all Sandy Spring branches transitioned to Atlantic Union. Full integration of branches, deposits, loans, technology, and back-office operations was announced complete on October 14, 2025.
What happened with the American National Bankshares acquisition?
Atlantic Union completed the acquisition of American National Bankshares Inc. on April 1, 2024. American National was a Danville, Virginia-headquartered regional bank that brought additional Central, Western, and Southern Virginia presence plus Atlantic Union’s first meaningful North Carolina footprint (the Piedmont Triad cities of Greensboro, Winston-Salem, High Point, plus Raleigh). The American National brand was retired and branches were rebranded as Atlantic Union over 2024-2025.
Are Atlantic Union Bank branches open on Saturday?
Yes, at many branches. Most Atlantic Union Bank branches in Virginia, Maryland, and North Carolina have Saturday hours, typically 9:00 AM to 12:00 PM. Some branches in smaller markets are closed Saturday. The Atlantic Union customer service phone line is open Saturday 9:00 AM to 5:00 PM ET. Confirm Saturday hours with the specific branch using the locator at atlanticunionbank.com.
Are Atlantic Union Bank branches open on Sunday?
No. Atlantic Union Bank branches are closed on Sundays at all locations. ATMs at all branches are available 24/7. The customer service line is closed Sunday but the mobile app and online banking handle routine banking 24/7. See our Banks Open on Sunday Near Me page for the list of banks with Sunday hours.
What was Sandy Spring Bank before the merger?
Sandy Spring Bank was a Maryland-headquartered (Olney, MD) regional bank founded in 1868 in Sandy Spring, Maryland (Montgomery County). It was one of the older Maryland community banks and grew through the 20th and early 21st centuries to approximately $14 billion in assets with significant DC-metro Maryland presence. The Sandy Spring brand was retired following the April 2025 acquisition by Atlantic Union; all former Sandy Spring branches now operate under the Atlantic Union Bank name.
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- Banks Open on Holidays Near Me, the federal holiday schedule and which banks observe which holidays
- Banks Open on Sunday Near Me, the full list of banks with Sunday hours
- ATM Near Me, find ATMs at any bank, surcharge-free options, and drive-thru ATMs
- Banks Near Me homepage, a directory of 70+ US, UK, and international banks