Access National Bank

What Access National Bank does

Access National Bank is a publicly traded commercial bank headquartered in Reston, Virginia, operating as a wholly-owned subsidiary of Access National Corporation (NASDAQ: ANCX). Founded in 1999, the bank serves middle market businesses and associated professionals throughout the Washington D.C. metro region (Virginia, Maryland, and D.C.), distinguishing itself through vertical specialization across 14 industry segments including government contracting, legal services, medical, dental, nonprofit, real estate, accounting, automotive dealerships, staffing, title and escrow, PACs and political organizations, trade associations, and veterinary practices. Each vertical is supported by dedicated specialist banker teams with decades of industry-specific experience.

The bank operates a relationship-driven distribution model combining physical banking centers, ACCESSCONNECT online banking, iOS/Android mobile apps, CardValet debit-card controls, eDeposit remote capture, phone banking, and dedicated relationship managers who visit clients on-site. Core products span commercial credit and SBA financing, deposit accounts, treasury management (receivables, payables, money management, fraud prevention), residential and commercial mortgage, equipment leasing through Access National Leasing Corporation, and securities brokerage via Investment Professionals Inc. under the Access Investment Services brand. Wealth management is delivered through integrated subsidiaries including Capital Fiduciary Advisors, Middleburg Investment Services, and Middleburg Trust Company.

The bank's go-to-market positions itself between mega-bank capabilities and local community bank service, emphasizing 'mega-bank capabilities with personalized, local service.' Revenue is generated through net interest income on commercial and consumer lending, recurring deposit and treasury management fees, transaction-based cash management and equipment leasing, and professional services fees from wealth management and fiduciary advisory. In January 2019, Access National Corporation shareholders approved a merger with Union Bankshares Corporation following regulatory approvals, creating a combined Atlantic Union Bank entity.

Name

Access National Bank

Legal name

Access National Bank

Website

https://accessnationalbank.com

Company type

Public

Founded year

1999

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Access National Bank is a Reston, Virginia-based commercial bank serving middle market businesses and professionals across the Washington D.C. metro through 14 industry-specialized verticals, offering commercial lending, treasury management, wealth, and digital banking.

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021), State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Affluent / Mass-Affluent Private Banking (FSABADAC), Private Banking Lending (Securities-Backed, Real Estate, Structured Credit) (FSABADAE)

Keywords

• Commercial banking services
• Treasury management solutions
• Wealth management advisory
• SBA financing products
• Middle market lending

Headquarters

HQ city

Reston

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Commercial Credit/Lending: Commercial loans, lines of credit, SBA financing, commercial real estate loans, and installment loans for businesses
2. Deposit Services: Checking accounts, savings accounts, money market accounts, CDs, IRAs, HSAs for personal and business customers
3. Cash Management/Treasury Services: Cash management, treasury management services including receivables, payables, and money management
4. Private Banking and Wealth Management: Private banking, wealth services, retirement planning through subsidiaries including Capital Fiduciary Advisors
5. Securities Brokerage: Securities brokerage through Investment Professionals, Inc. (IPI) under Access Investment Services brand
6. Equipment Leasing: Equipment leasing through bank subsidiaries

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Access National Bank is a commercial bank that provides middle-market businesses and professionals with commercial lending, deposit products, treasury and cash management, SBA financing, wealth management, and securities brokerage services. It also offers individuals personal checking, savings, mortgage, and credit card products through its branch network, online, and mobile channels.

Product overview

Access National Bank operates as a commercial bank serving middle market businesses and associated professionals throughout the Washington D.C. region. The company offers a unified banking platform providing commercial credit, deposit services, investment products, cash management, private banking, and real estate finance. The product ecosystem includes ACCESSCONNECT® Online Banking and Mobile Banking apps as core digital channels, supplemented by Treasury Management Services, SBA Financing, and specialized industry-specific banking programs for 13 sectors. The bank also maintains subsidiaries for wealth management (Middleburg Investment Services, Capital Fiduciary Advisors, Middleburg Trust Company) and equipment leasing. Personal banking services include checking, savings, credit cards, and lending products accessible through both digital and traditional channels.

Differentiator

Problem solved

Functional benefit

Brands

• AccessConnect: Online banking platform provided by Access National Bank
• Middleburg Investment Services
• Middleburg Trust Company

Products and services

• ACCESSCONNECT Online Banking Web-based online banking platform that enables customers to view accounts, transfer funds, pay bills, and manage finances securely via SSL encryption. It is designed for both personal and business banking clients.
• Mobile Banking App Mobile banking application for iOS and Android devices providing account access, transfers, mobile check deposit, and bill pay capabilities for personal and business customers.
• CardValet Card management application that allows customers to control debit card usage through location-based restrictions, merchant controls, spending limits, and alert notifications. Designed for consumer and business debit cardholders.
• Treasury Management and Cash Management Suite of cash management services including ACH, wire transfers, remote deposit, positive pay, and liquidity management tools designed for middle-market businesses.
• SBA Financing SBA loan programs providing government-guaranteed financing solutions for small and middle-market businesses, including 7(a) and 504 loan products.
• Commercial Lending and Credit Services Commercial credit and lending products tailored to middle-market businesses across 14 industry verticals, including lines of credit, term loans, and commercial real estate financing.
• Wealth Management and Private Banking Personalized wealth management and private banking services for high-net-worth individuals and professionals, including financial planning, estate planning, and personalized banking solutions.
• Securities Brokerage Services Investment and securities brokerage services offered through Access Investment Services, providing investment advisory and brokerage solutions to individuals and businesses.
• Equipment Leasing Equipment leasing solutions offered through Access National Leasing, providing financing for business equipment acquisitions across multiple industries.
• Personal Checking and Savings Accounts Personal deposit products including checking accounts, savings accounts, money market accounts, and CDs for individual consumers served through branches, online, and mobile channels.
• Mortgage Lending Residential mortgage products for homebuyers and homeowners, including fixed-rate, adjustable-rate, and jumbo mortgage options.
• Credit Cards Personal and business credit card products with rewards programs and security features such as CardValet controls for cardholder management.
• Middleburg Bank Relationship Banking Relationship-driven banking services offered under the Middleburg Bank brand for individuals and businesses seeking a high-touch, personalized banking experience.

Quantifiable outcome

• Ranked #1 in VA and Metro DC Area for Best 3-Year Return on Average Equity by American Banker
• +3 more outcomes

Named customers3 records

Segments15 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Seven partnerships are on record, tiered core, minor and flagship.

• Capital Fiduciary Advisors, LLCcoreStrategic or Co-development PartnerRegistered Investment Advisor affiliate of Access National Bank offering advisory services and wealth management solutions
• Middleburg BankcoreStrategic or Co-development PartnerBank division providing custom credit, treasury management, residential mortgage, private banking, and trust and wealth management services under the Access National Bank umbrella
• Middleburg Trust CompanyminorStrategic or Co-development PartnerTrust services partner under the Wealth Services division
• Middleburg Investment ServicesminorStrategic or Co-development PartnerInvestment services partner within the Wealth Services division
• Investment Professionals, Inc. (IPI)coreTechnology or IntegrationBroker/Dealer, member FINRA/SIPC & Registered Investment Advisor providing securities brokerage services under Access Investment Services brand. All Securities and Investment Advisory Services offered through IPI.
• Union Bankshares CorporationflagshipStrategic or Co-development PartnerPending merger partner. Shareholders of both Union Bankshares Corporation and Access National Corporation approved the merger agreement. Regulatory approvals received. Merger creates combined entity.
• ComputershareminorOthersTransfer Agent for Access National Corporation stock. Located at P.O. Box 505000, Louisville, KY 40233, phone (800) 368-5948

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Wells Fargo: Wells Fargo is a national banking incumbent with deep commercial banking, SBA, and wealth capabilities across the Mid-Atlantic; it competes head-to-head for the same middle-market and vertical-segment clients Access National serves.
• Capital One: Capital One is a major McLean, VA-headquartered bank with a commercial banking franchise serving middle-market clients; it competes with Access National in the DC metro and dwarfs it in scale, technology investment, and product breadth.
• First Citizens BancShares: First Citizens is a large regional bank with a strong Mid-Atlantic and Southeast presence providing commercial banking, wealth, and treasury services to businesses — a comparable scale and product breadth benchmark for Access National.
• Pinnacle Financial Partners: Pinnacle Financial Partners is a larger Southeast and Mid-Atlantic regional bank known for relationship-driven commercial banking to middle-market clients; it competes with Access National's vertical specialist model at greater scale across multiple states.
• Bank of America: Bank of America is the dominant national bank with significant commercial and retail banking presence across the Mid-Atlantic; it competes for middle-market, government contracting, and wealth clients and sets the technology-investment benchmark.

Direct peers

• Burke & Herbert Bank: Burke & Herbert Bank is a Virginia-chartered commercial bank with deep roots in Northern Virginia, offering commercial lending, treasury, and retail banking to middle-market clients in overlapping DC-metro geographies.
• Sandy Spring Bancorp: Sandy Spring Bank is a Maryland-based regional commercial and retail bank serving the Mid-Atlantic, with similar business banking, mortgage, and wealth management offerings that compete head-to-head with Access National Bank in the VA/MD/DC corridor.
• Atlantic Union Bank: Atlantic Union Bank is the combined entity formed by Union Bankshares and Access National Corporation; it is the most directly comparable peer given the full merger of products, branches, and verticals across Virginia and the Mid-Atlantic.
• Old Dominion National Bank: Old Dominion National Bank is a Virginia-chartered commercial bank serving middle-market businesses, professionals, and nonprofits in Northern Virginia, directly overlapping with Access National's primary footprint and verticals.
• EagleBank: EagleBank is a Mid-Atlantic commercial bank headquartered in Bethesda, MD, serving businesses, real estate investors, and professionals in the Washington D.C. metro area with comparable vertical expertise in government contracting, CRE, and professional services lending.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/atlantic_union
• YouTubeyoutube.com/channel/UCsOb9j7RL8cbsC159u1IUNQ
• Facebookfacebook.com/AtlanticUnionBank
• LinkedInlinkedin.com/company/access-national-bank

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Access National Bank