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Checking account features

Which checking account is right for you?

Explore the options we offer in the chart below. All accounts come with free Online and Mobile Banking, plus a contactless Visa® debit card. Access to thousands of ATMs nationwide through the SUM® ATM Network*. Plus, all accounts are FDIC-insured up to applicable limits.

Want to open a checking account and unsure of where to start? We have a variety of options available to suit your needs. Use the links below to open an account and have your 2004U promo code automatically applied!

	PRISM Checking Open Account	Free Checking Open Account	Loyalty Checking Open Account	Preferred Checking Open Account	ThankU Checking Open Account
Available for	Customers that want a low-cost checking account with no overdraft fees. (Not eligible for Overdraft Privilege Services)	Customers that don’t want monthly service charges or minimum balance requirements.	Customers that want to earn interest and enjoy enhanced account benefits.	For customers that want to experience our highest level of checking, access unique benefits and enjoy higher rates paid on higher balances.	Current or retired Teachers/administrators, Local, State and Federal Law Enforcement, Fire Fighters, First Responders, Healthcare professionals and members of the US Armed Forces.
Minimum to open an account	$25	$25	$25	$25	$25
Monthly maintenance fee	*$5	$0	$10	$25	$0
Requirements to avoid monthly maintenance fee	Waived if you’re under 25 or 62 or older*	N/A	Receive at least 1 qualified monthly direct deposit or maintain a $2,500 min. daily balance or $10,000+ combined¹	Maintain a $25,000 min. or $50,000+ combined²	N/A
Interest	N/A	N/A	Tiered	Premium Tiered	Tiered
Free transactions from non-Atlantic Union Bank ATMs			5 / Cycle	Unlimited	5 / Cycle
Deluxe personal checks			Free first order of Exclusive checks (or $10 discount on other check styles)	Free any style checks	Free first order of Exclusive checks (or $10 discount on other check styles)
Cashier's checks	$5 each	$10 each	Free	Free	Free
Free eStatements
Free safe deposit box³				Free on sizes up to 3x5 or 50% off larger boxes
Installment loan discount (w/auto draft of loan payment)⁴	.25%	.25%	.25%	.35%	.25%
LifeLock by Norton Identity Theft Protection⁵	35% discount off first year	35% discount off first year	35% discount off first year	35% discount off first year	35% discount off first year
Additional benefits	Qualifies for PRISM Savings account with no monthly maintenance fee when account owner has PRISM Checking**
Get started!	Open Account	Open Account	Open Account	Open Account	Open Account

Round Up Savings

With Round Up Savings, every transaction you make with your debit card will be rounded up to the nearest dollar – and then the extra money will be deposited straight into an Atlantic Union Bank savings account of your choice.

Learn More about Round Up Savings

Discounts on Personal Loans & Lines of Credit

We offer competitive personal loans and lines of credit to help turn your dreams into reality. Customers who open checking accounts with us become eligible for discounts on personal loans⁴.

Learn more about Personal Loans

Disclosures

Eligibility. Offer is available only to individuals who received direct communication with the qualifying Promo Code from Atlantic Union Bank. Receiving this disclosure on its own does not entitle a customer to the offer. All eligible account owners and co-owners must be at least 18 years old and have not owned or co-owned an Atlantic Union Bank personal checking in the last 12 months. Business, fiduciary, estate and trust accounts are not eligible for this offer. Bonus offer cannot be paid to non-resident aliens signing IRS Form W-8. Offer is non-transferable.

Required activities to qualify for the $200 Bonus.

1. Open a Checking Account. Open your first new eligible Atlantic Union Bank checking account between March 3, 2025 and June 30, 2025 (the “Offer Period”) using the Promo Code 2004U. Eligible checking products include: PRISM Checking, Free Checking, Loyalty Checking, Preferred Checking and ThankU Checking. A $25 minimum opening deposit is required. Accounts can be opened in any Atlantic Union Bank branch or online using the URL provided to you in the direct communication. You must provide the Promo Code to a banker at account opening when you apply for a checking account to be eligible for this offer. When opening online using the QR code provided, the Promo Code is automatically applied.

AND

2. Set up Direct Deposit. Set up and receive qualifying direct deposits totaling $1,000 or more in your new eligible checking account within 90 calendar days of account opening. A qualified direct deposit is an electronic deposit of regular monthly income, such as your salary, pension or Social Security benefits, which are made by your employer or other payer. Non-qualifying deposits such as wire transfers, person-to-person transfers, online and mobile deposits and bank transfers between your Atlantic Union Bank accounts or accounts you have at other financial institutions or brokerages do not qualify.

Bonus Payment: Your Bonus will be deposited into your new Atlantic Union Bank checking account within 30 calendar days after all requirements are met. Your account must be open and in good standing up to the date the bonus is deposited. If you open more than one Atlantic Union Bank checking account during the Offer Period, your bonus will be deposited into the first checking account opened. This offer cannot be combined with any other offer and is limited to one bonus per new customer and new account.

Important Tax Information: The Bonus will be reported to the IRS as interest earned on IRS Form 1099-INT in the year received as required by applicable law. Customer is responsible for any applicable taxes and consulting a tax advisor.

Atlantic Union Bank reserves the right to revoke, restrict or change this offer at any time. All accounts subject to applicable terms, fees, programs, products and services which are subject to change. Accounts subject to approval and must be funded with money not currently on deposit with Atlantic Union Bank. Participation and enrollment in a promotional offer does not guarantee eligibility or fulfillment of the promotional offer.

To print and view the full details please click here.

*The maintenance fee is not charged if an owner on the account is age 13 through 24 or age 62 and older. To open a PRISM Checking account, at least one owner must be 18 or older. Joint owners must be 13 or older.

**To qualify for a PRISM Savings account, at least one owner of the PRISM Savings account must also own a PRISM Checking account. View the Truth in Savings for PRISM Savings for more information or talk to your Banker.

¹A maintenance fee of $10 will be imposed every statement cycle unless you maintain one of the following requirements: Maintain a $2,500 minimum daily balance in the account, or a $10,000 minimum daily combined balance in personal deposit, installment loan and line of credit accounts (business accounts are excluded), or receive at least one qualified monthly direct deposit into this account. A qualified direct deposit is an electronic deposit of regular monthly income, such as your salary, pension or Social Security benefits, which are made by your employer or other payer into this account.

²A maintenance fee of $25 will be imposed every statement cycle unless you maintain a $25,000 minimum daily balance in the account or $50,000 minimum daily balance in combined balances in your personal deposit, installment loan and line of credit accounts (business accounts are excluded).

³Subject to availability.

⁴This is not a commitment to lend or extend credit. All loans, credit and collateral are subject to approval.

⁵By subscribing, you are purchasing a recurring subscription which will automatically renew. The 35% off discount price quoted is valid for the offered introductory term of one year.