A variety of services ranging from personal to business finance is provided by Atlantic Union Bank. The detail of financial services available with this bank is as follows:
### **1. Personal Banking Services**
#### **Checking Accounts**
* **Basic Checking**: Skeletal accounts without maintenance fees, usually opened for mere, day-to-day banking.
* **Interest-Bearing Checking**: Interest-earning accounts whose balance earns interest at a rate, sometimes tiered.
– **Senior and Student Checking**: Specialized accounts for seniors and students, offering reduced fees with additional benefits in the account.
#### Savings Accounts
– **Regular Savings**: Most general forms of savings accounts that accrue competitive interest rates.
– **High-Yield Savings**: A certain kind of savings account that offers higher interest rates to let your money grow faster.
– **Money Market Accounts**: These include accounts that provide better yield rates with limited check-writing privileges.
#### **Certificates of Deposit (CDs)
– **Fixed-Term CDs**: Time-deposit accounts that yield absolutely sure returns over fixed terms. The length of the fixed terms usually varies to fit different financial goals of the account holder.
– **No-Penalty CDs**: These are CDs that are immediately liquid upon early withdrawal with no penalties while still earning interest on them.
### 2. Loans and Credit
#### Personal Loans
– **Unsecured Personal Loans**: Loans for a number of needs-from debt consolidation to home improvement to personal expenses-offered at competitive rates and flexible terms.
– **Secured Personal Loans**: Loans collateralized through savings accounts, hence fewer interest rates charge on them.
#### Auto Loans
– **New and Used Vehicle Financing**: Competitive pricing with terms flexible enough to finance a new or used vehicle.
#### Home Loans and Mortgages
– **Fixed-Rate Mortgages**: Those that are standard mortgages where the rate one pays for the loan is ‘fixed’ for the life of the loan.
– **Adjustable-Rate Mortgages**: Those whose rates change periodically based on market fluctuation.
– **Lines of Credit (HELOCs)**: Draws cash per your requirement against the equity of the house for big expenses or improvements in your home.
#### **Credit Cards**
– **Reward Credit Cards**: Those that give rewards points, cashback, or other benefits on purchases.
– **Low-Interest Credit Cards**: Cards with low interest rates; these would be especially useful in case one has to carry a balance.
### **3. Business Banking Services**
#### **Business Checking Accounts**
– **Basic Business Checking**: Those that suit a small business. Online banking and transaction control.
Interest-bearing business accounts earn on deposits, so this is a good account for companies with high deposits.
#### Business Savings Accounts
Business Savings: Save with competitive interest rates to manage your company’s finances.
#### Business Loans
Small Business Loans: Lines of credit, equipment loans, and even working capital loans.
Commercial Real Estate Loans: Loans either on the purchase or refinance of commercial property.
#### Merchant Services
– Processing of Payments: Credit card and point-of-sale systems, including payment processing.
### 4. Digital and Mobile Banking
#### Internet Banking
– Account Management: Use your accounts online via our online banking system with bill pay, transfers of funds, and transaction history.
#### Mobile Banking
– Mobile Application: The Bank’s mobile applications will provide the ability to conduct banking transactions from anywhere with mobile deposit capture, account transfers, and bill payments.
MOBILE DEPOSIT Deposit Checks Anywhere with Your Smartphone or Tablet.
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### 5. Investment Services Financial Planning and Advisory
Financial Planning – Direct Access to an Adviser for Personal Investment Management and Retirement Planning.
Wealth Management – Full-Service Wealth Management, from Portfolio Management to Estate Planning.
Retirement Accounts
IRAs: A Variety of IRAs to Assist You in Saving for Retirement, Including Traditional and Roth IRAs.
6. Insurance and Protection
#### Insurance Products
* **Auto, Home, and Life Insurance**: Insurance products through partnerships with trusted providers for protection of your assets and loved ones.
#### Identity Theft Protection
* **Fraud Prevention**: Services and resources to help safeguard against identity theft and financial fraud.
### 7. Customer Support and Service
#### Personalized Assistance
* **Dedicated Support**: Knowledgeable staff who can provide personalized advice and solutions to specific needs related to finances.
#### **24/7 Customer Service**
– **Support Channels**: Customer support through all mediums-phone, email, and online chat for prompt resolution of issues.
### 8. Community Involvement
#### Local Engagement
– **Community Initiatives**: Participate in and support local community projects and charitable activities.
#### Philanthropy
– **Giving Back**: Opportunities to give back to the community by participating in or supporting charity-related causes and events sponsored by Atlantic Union Bank.
### 9. Security and Trust
#### Advanced Security Features
– **Robust Security**: Advanced security protocols set in place to protect your personal and financial information from fraud and unauthorized access.
#### **Trusted Institution**
– **Reputation**: Statured financial institution recognised and understood for its reliability, ethical practices, and customer satisfaction.
### 10. Exclusive Member Benefits
#### **Special Programs**
– **Member Discounts**: Opportunities availed to bank members, giving them special discounts on different financial products and services.
From a wide array of financial products and services, let Atlantic Union Bank help meet all your needs for your personal or business life. With competitive rates, personal service, and leading-edge digital banking solutions, Atlantic Union Bank is where resources come together to help you achieve your goals and make your banking life so much easier.