Estate planning at Atlantic Union
How to protect 17 Atlantic Union accounts — manage beneficiaries in-branch, fund a trust in-branch, and file claims through Atlantic Union's Trust & Asset Management
Phone800-990-4828
Mailing Address
1051 East Cary Street, Suite 1200, Richmond, VA 23219
International
Atlantic Union Financial Consultants
New Mortgage Inquiries
Mortgage Assistance Center
Trust & Asset Management
Phone855-244-3767
Fax804-967-8820
Mailing Address
4300 Cox Road, Glen Allen, VA 23060
Atlantic Union Financial Consultants
WebsiteLearn more→
Customer Care / Trust & Asset Management
Phone800-990-4828
Fax804-967-8820
Mailing Address
1051 East Cary Street, Suite 1200, Richmond, VA 23219
Trust & Asset Management
Mortgage Assistance Center
Verified Apr 2026
Atlantic Union offers 17 consumer accounts that interact with estate planning in distinct ways. Of those, 14 can name a trust as beneficiary or be retitled into a trust. Understanding the transfer methods available for each account type helps families keep assets out of probate and ensure they pass to the right people.
Managing beneficiaries at Atlantic Union is straightforward—changes can be made in branch, typically taking 15-30 minutes in branch. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
Atlantic Union has documented procedures for both preparing accounts during your lifetime and handling claims when an account holder passes away.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 17 account types at Atlantic Union.
View details →When someone dies
Death claim process
Contact Atlantic Union's Trust & Asset Management to file a claim. 5-step process, 5 required documents, and contact information for survivors.
View details →Reach Atlantic Union's Trust & Asset Management at 855-244-3767 for help with any of these procedures.
Because Atlantic Union serves a limited number of states, procedures for trust funding and beneficiary changes may differ depending on your location. Verify availability before starting.
Frequently asked questions
Yes. Atlantic Union Wealth Management can serve as sole trustee, co-trustee, or agent for trustees, including directed and administrative trustee roles. Their Trust Advisors review existing wills, powers of attorney, medical directives, and trust documents. They manage various trust types including special needs trusts, charitable trusts, life insurance trusts, foundation trusts, endowments, and irrevocable trusts. Contact Trust & Asset Management at 855-244-3767.
Yes. Atlantic Union can serve as executor or co-executor, handling asset gathering and inventory, securing property, court communications, beneficiary distribution, account closure, and fiduciary tax coordination. They also manage complex assets including real estate, rental properties, and limited liability entities.
Sandy Spring Bank merged into Atlantic Union Bank. The acquisition by Atlantic Union Bankshares Corporation closed on April 1, 2025, and full branch and system integration was completed on October 14, 2025. All former Sandy Spring Bank accounts are now Atlantic Union Bank accounts. The sandyspringbank.com domain now redirects to atlanticunionbank.com.
Atlantic Union Bank offers five checking accounts: Free Checking (no monthly fee), Loyalty Checking (tiered interest, $10 fee waived with direct deposit or $2,500 balance), Preferred Checking (premium benefits, $25 fee waived with $25,000 balance), PRISM Checking (no overdraft fees, $5 fee waived under 25 or 62+), and ThankU Checking (no fee, for teachers, first responders, healthcare workers, and military). All require $25 minimum to open.
Yes. Deposit accounts including checking, savings, money market, and CDs can be retitled into a revocable living trust. Visit a branch with your trust agreement or Certificate of Trust, government-issued photo ID for all trustees, and the trust tax identification number (EIN) if applicable. You can also call Trust & Asset Management at 855-244-3767 to begin the process by phone. IRA and HSA accounts cannot be retitled to a trust but can name a trust as beneficiary.
Atlantic Union Bank offers Fixed-Rate IRAs and IRA Variable Rate Savings accounts, both available as Traditional or Roth IRAs. Fixed-Rate IRAs require a $500 minimum to open and offer a fixed interest rate for the term. IRA Variable Rate Savings accounts require a $50 minimum to open and feature a variable interest rate with an automatic transfer option. Beneficiary designations are handled separately from deposit account POD designations.
Sources
Data sourced from Atlantic Union primary sources (15 pages reviewed). How we research.
Phone800-990-4828
Mailing Address
1051 East Cary Street, Suite 1200, Richmond, VA 23219
International
Atlantic Union Financial Consultants
New Mortgage Inquiries
Mortgage Assistance Center
Trust & Asset Management
Phone855-244-3767
Fax804-967-8820
Mailing Address
4300 Cox Road, Glen Allen, VA 23060
Atlantic Union Financial Consultants
WebsiteLearn more→
Customer Care / Trust & Asset Management
Phone800-990-4828
Fax804-967-8820
Mailing Address
1051 East Cary Street, Suite 1200, Richmond, VA 23219
Trust & Asset Management
Mortgage Assistance Center
Verified Apr 2026
Estate planning articles
Learn how to protect your Atlantic Union accounts and other assets with trusts, beneficiary designations, and estate planning documents.
