FDIC-Insured – Backed by the full faith and credit of the U.S. Government
Supporting local businesses since 1900.
Looking for a bank that knows you by name and understands your community? Chesapeake Bank is proudly independent and committed to building real relationships.
Whether you’re just getting started or managing a growing operation, you’ll have a dedicated Business Relationship Officer that takes the time to understand your goals—and provides solutions to help you move forward with confidence.
We pair smart financial tools with personal relationships, so your business always has the support it deserves.
Let's build what's next - together.
Fill out the form, and a Business Relationship Officer will reach out within 24 hours—count on it.
Business Banking Designed Around Your Needs
Business Checking
Accounts designed to support your daily operations while keeping your cash working for you.
- Flexible account options
- Online & mobile banking
- Local service and support
- Business debit card
Business Lending
From working capital to long‑term growth, our lenders provide thoughtful guidance and local expertise.
- Commercial loans & lines of credit
- Business credit cards/Accounts receivable financing
- Local decision-making and relationship-driven lending
Treasury Services
Simplify operations, improve cash flow, and protect your business with tools built for efficiency.
- Remote Deposit Capture & Sweeps
- ACH, EDI payments & Wire services
- Fraud protection tools like Positive Pay
Merchant Services
Accept payments with flexible, secure solutions designed to help your business get paid faster—whether in‑store, online, or on the go.
- Transparent pricing
- In-house account management
- Swift setup with on-site or virtual training
Online Banking
Stay connected to your business finances anytime, anywhere with secure and reliable digital banking tools.
- Online bill pay
- Account monitoring & alerts
- Secure transaction capabilities
Ready to open a new business account?
Save time by letting us get the ball rolling for you, save you a trip to the branch.
Why Chesapeake Bank
- Local Decision‑Making – Fast, responsive decisions made close to home
- Independent & Trusted – Over 125 years of stability and experience
- Relationship‑Focused – Direct access to bankers who know your business
- Community‑Driven – Invested in the same communities you serve
Building relationships that last a lifetime.
You’ll work with experienced professionals who take the time to understand your challenges and opportunities—and who are committed to your long‑term success.
FAQs - Frequently Asked Questions
Q: What documentation is required to apply for a commercial business loan in Virginia?
A: Applicants must provide business tax returns for the past two to three years, current financial statements (balance sheet and profit/loss statement), business formation documents (Articles of Incorporation or LLC filing), an Employer Identification Number (EIN), and personal financial statements from primary business owners.
Q: How do integrated merchant services improve business cash flow?
A: Integrated merchant services streamline credit card processing by offering next-day deposit settlement, automated accounting integration, point-of-sale terminal options, and secure e-commerce payment gateways. This reduces manual reconciliation, lowers processing transaction fees, and accelerates daily operating cash liquidity for local merchants.
Q: What treasury management tools protect small businesses from check and ACH fraud?
A: Positive Pay check fraud protection and ACH monitoring protect commercial accounts by matching presented checks and electronic debits against a company’s approved issuance register. Any unauthorized item, mismatched serial number, or unexpected dollar amount triggers an immediate hold for owner authorization before funds clear.
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