Atlantic Union Bank Routing Number: Virginia Banking Since 1902

From the Shenandoah Valley to the state capital

Atlantic Union Bank began in 1902 as the Bank of Harrisonburg, a small institution in the Shenandoah Valley serving farmers, merchants, and the families of a rural Virginia market town. Harrisonburg sits in the center of the Valley, between the Blue Ridge and Allegheny mountain ranges - a landscape that in 1902 was defined by apple orchards, dairy farms, and the railroad lines that connected the Valley to Richmond, Washington, and points north.

Over the next century, the bank grew through a succession of mergers and name changes (First Virginia Bankshares, Union First Market Bank, Union Bankshares), each step widening its footprint across the Commonwealth. In 2019, the bank rebranded as Atlantic Union Bank following its merger with Access National Bank, a Northern Virginia institution with a strong commercial banking practice. Today, Atlantic Union operates over 100 branches across Virginia and parts of Maryland and North Carolina, with approximately $20 billion in assets.

The American National acquisition and Richmond

In 2022, Atlantic Union completed its acquisition of American National Bank and Trust Company, a Danville, Virginia-based institution with roots dating to 1909. The deal added $2 billion in assets and expanded Atlantic Union's presence into southern Virginia and North Carolina. For American National customers, the transition meant a new routing number, 051403164 (with the 051 prefix identifying the Federal Reserve Bank of Richmond), replacing whatever legacy routing number their accounts had carried.

This pattern of consolidation is the defining story of Virginia banking. The state was once home to dozens of independent community banks; today, a handful of institutions - Atlantic Union, Truist (through its BB&T and SunTrust predecessors), and a few others - control the majority of deposits. Each merger layer adds complexity to the routing number system, as legacy accounts carry forward numbers from institutions that no longer exist independently.

Commercial banking along the I-64 and I-95 corridors

Atlantic Union's commercial lending business follows Virginia's two great interstate corridors: I-64 from the Shenandoah Valley through Charlottesville and Richmond to Hampton Roads, and I-95 from Northern Virginia through Fredericksburg to Richmond. These corridors define the Commonwealth's economy - defense contractors in Northern Virginia, healthcare systems in Richmond, port logistics in Hampton Roads, higher education in Charlottesville.

Atlantic Union's relationship managers specialize in the industries that cluster along these corridors: government contracting, healthcare, real estate development, and the professional services firms that support them. The bank's SBA lending program is consistently ranked among the most active in Virginia, and its treasury management platform serves mid-market companies that need cash management but don't want (or can't get) a relationship with a money-center bank.

Setting up transfers with routing number 051403164

All Atlantic Union Bank accounts use routing number 051403164 for ACH transactions, direct deposit, and domestic wire transfers. The bank's SWIFT code for incoming international wires is UBSHUS33. Atlantic Union's online banking platform supports internal and external transfers, wire initiation for business accounts, and mobile check deposit. Former American National Bank customers should verify their routing number in Atlantic Union's online banking portal, as some legacy accounts may have been migrated during the integration.

Virginia roots, national business needs

Atlantic Union has spent over a century building a Virginia-first franchise. But businesses that start in Richmond or Northern Virginia don't always stay there - they win contracts in other states, hire remote teams, and need banking that scales beyond a single state's branch network. Slash provides business deposit accounts, corporate cards with real-time controls, and automated expense management on a platform that works wherever your team operates, without requiring you to find a new bank every time your footprint expands.