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. Over the next century it 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. The 2019 rebrand to Atlantic Union Bank followed 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 roughly $20 billion in assets.

Routing number

Atlantic Union Bank's routing number is 051403164. The 051 prefix ties to the Federal Reserve Bank of Richmond. This applies to all Atlantic Union accounts — ACH transactions, direct deposit, and domestic wire transfers. For incoming international wires, the SWIFT code is UBSHUS33. 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. Find the routing number through online banking, the mobile app, or the bottom-left corner of a check.

The American National acquisition

In 2022, Atlantic Union acquired 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 adopting routing number 051403164, replacing whatever legacy number their accounts had carried.

This consolidation pattern defines Virginia banking. The state was once home to dozens of independent community banks; today a handful of institutions control the majority of deposits. Each merger layer adds routing number complexity 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 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 them, and its SBA lending program is consistently among the most active in Virginia.

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.