Union Bank & Trust Routing Number: Virginia Banking Guide

What is the Union Bank & Trust routing number?

Union Bank & Trust uses routing number 051403164 for ACH transactions, direct deposits, and electronic payments. Union Bankshares, now Atlantic Union Bankshares, is headquartered in Richmond, Virginia, and operates as one of the largest community banking organizations in the state.

Union Bank & Trust traces its origins to 1902. Following the 2019 merger with Access National Bank and the rebranding to Atlantic Union Bank, some customers may still see Union Bank & Trust referenced on older account materials. The routing number remains associated with legacy Union Bank & Trust accounts.

How to find your Union Bank & Trust routing number

Your Union Bank & Trust routing number is printed on the bottom-left of your checks. It can also be found through online banking or the Atlantic Union Bank mobile app under account information.

If your account has transitioned to Atlantic Union Bank branding, the routing number may have been updated. Always verify the routing number currently associated with your account before setting up new electronic transfers.

Union Bank & Trust direct deposit

Set up direct deposit by providing your employer with routing number 051403164 and your account number. Union Bank & Trust processes payroll, government benefit payments, and tax refunds through the ACH network.

The bank supports split direct deposit, allowing you to distribute your paycheck across multiple accounts automatically. Business clients can also originate ACH payments for employee payroll and vendor disbursements.

Union Bank & Trust wire transfers

Union Bank & Trust supports domestic wire transfers through the Fedwire system. Wires submitted before the daily cutoff time are typically processed the same business day. Wire transfer fees apply for both incoming and outgoing transactions.

International wire services are also available. Contact your branch or the customer service team for information on fees, exchange rates, and documentation needed for cross-border wire transfers.

Business banking with Slash

Union Bank & Trust, now part of Atlantic Union Bankshares, delivers community-focused banking across Virginia. For businesses looking for modern financial infrastructure, Slash offers unlimited virtual cards, automated expense management, and real-time cash flow dashboards.

Slash provides integrated ACH and wire capabilities, multi-user access controls, and native accounting integrations that help companies manage finances more efficiently than traditional banking platforms.