Virginia National Bank is an FDIC-insured bank offering personal and business banking, deposit accounts, loans, and treasury management services with online and mobile banking platforms.
Data compiled from public sources · Rating from CreditDoc methodology
S. Government. , a publicly traded holding company with an active board of directors and investor relations program.
The bank has demonstrated ongoing leadership and operational development, as evidenced by recent board appointments and announced leadership transitions. VNB offers comprehensive banking services across personal and business segments. Personal banking includes deposit accounts, personal IRAs, online and mobile banking, debit cards, credit cards, Zelle integration, Apple Pay, safe deposit boxes, and e-statement services.
Business banking provides business deposit accounts, business IRAs, business online and mobile platforms, debit and credit cards, safe deposit boxes, and QuickBooks integration. The bank also provides personal and commercial loans, with dedicated trust and estate services for wealth management and corporate filings. VNB distinguishes itself through specialized treasury management services including receivables solutions (ACH debits, deposit online), payables solutions (ACH credits, card programs, payroll services, positive pay, wire transfers), and liquidity management (sweep services, zero balance accounts).
The bank operates a dedicated client care center with cybersecurity alerts, 24-hour telephone banking, and wire transfer instruction services. VNB also invests in community through a Finance Career & Leadership Academy, suggesting commitment beyond transactional banking. As a traditional regional bank, VNB serves customers seeking established banking infrastructure with both personal and sophisticated business solutions.
However, the website lacks specific information about product terms, rates, fees, minimum balances, credit card rewards, or loan rates. No detail is provided regarding geographic service areas beyond the Virginia branding, competitive positioning, or customer service metrics.
Virginia National Bank processed 76 mortgage applications in 2023, approving 89.5% of applicants across 6 states.
76
Applications
89.5%
Approval Rate
$1.2M
Avg Loan
6
States Served
Based on 76 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
Virginia National Bank offers 12 services including Personal deposit accounts and savings accounts, Personal IRA savings and retirement accounts, Business deposit accounts and business IRAs, Personal and commercial loans, Credit cards (personal and business), and 7 more.
Virginia National Bank is best suited for Business owners seeking comprehensive treasury management and payroll services, Customers in Virginia seeking a traditional bank with established infrastructure, Individuals needing trust, estate planning, and wealth management services, Companies requiring ACH, wire transfer, and receivables management solutions.
Key strengths: FDIC insurance backed by full U.S. Government faith and credit; Comprehensive personal banking including IRA savings and retirement accounts; Robust business banking platform with treasury management and ACH solutions. Areas to consider: Website provides no information on interest rates, fees, or minimum balance requirements; No details on credit card rewards programs or loan terms available.
In the Banks category, comparable providers include Atlantic Union Bank, Bank of Botetourt, Bank of Clarke. Each company has different strengths — compare services, pricing, and consumer complaint records to find the best fit.
CreditDoc Diagnosis
Virginia National Bank is best suited for established businesses and individuals seeking comprehensive banking and treasury management services from a traditional, FDIC-insured institution. The primary caveat is the website's lack of specific product details—rates, fees, minimum balances, and terms are not disclosed, requiring direct contact with the bank for accurate comparison and decision-making.
Atlantic Union Bank is a Virginia-based retail and business bank offering checking, savings, loans, mortgages, and wealth management services since 1902.
Best for: Virginia and regional customers seeking relationship-based banking from an established local institution, Small to mid-sized business owners needing asset-based lending and equipment financing solutions
Bank of Botetourt is a Virginia-based community bank offering personal and business checking, savings, lending, mortgages, and digital banking services.
Best for: Virginia residents seeking personalized local banking relationships with Forbes-recognized service quality, Small business owners needing comprehensive business banking, lending, and merchant services in Virginia
Bank of Clarke is a full-service bank offering personal and business checking, savings, lending, credit cards, mortgages, and wealth management services with multiple branch locations.
Best for: Customers seeking a traditional full-service bank with multiple products and local branch access, Small business owners needing specialized lending in construction, real estate, or government contracting
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