FDIC-Insured – Backed by the full faith and credit of the U.S. Government

Supporting local businesses since 1900.

At a Glance: Chesapeake Bank’s business banking covers business checking, commercial loans and lines of credit, business credit cards, accounts receivable financing, treasury services including Remote Deposit Capture and Positive Pay, and merchant services with on-site or virtual training. A Business Relationship Officer responds to new inquiries within 24 hours.

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.

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Business Banking Designed Around Your Needs

Business Checking

Accounts designed to support your daily operations while keeping your cash working for you.

Business Lending

From working capital to long‑term growth, our lenders provide thoughtful guidance and local expertise.

Treasury Services

Simplify operations, improve cash flow, and protect your business with tools built for efficiency.

Merchant Services

Accept payments with flexible, secure solutions designed to help your business get paid faster—whether in‑store, online, or on the go.

Online Banking

Stay connected to your business finances anytime, anywhere with secure and reliable digital banking tools.

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.

Business Banking Services Compared: Lending, Treasury, and Payments

Most Virginia businesses need three things from a bank beyond a checking account: a way to borrow, a way to take payments, and a way to move money safely. Here is how the pieces line up.

Service Area	What’s Included	Typical Business Need
Business Checking	Flexible account options, online and mobile banking, business debit card, local service and support	Day-to-day operating account
Business Lending	Commercial loans and lines of credit, business credit cards, accounts receivable financing, equipment loans, commercial real estate financing	Working capital, equipment, property, expansion
Treasury Services	Remote Deposit Capture, sweeps, ACH, EDI payments, wire services, Positive Pay fraud protection	Managing incoming and outgoing payments at volume
Merchant Services	Point-of-sale processing, transparent pricing, in-house account management, on-site or virtual training	Taking card and mobile payments from customers
Online Banking	Online bill pay, account monitoring and alerts, secure transactions	Running the account without a branch visit

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.

Working With a Local Business Relationship Officer

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.

“Very welcoming, wonderful conversation and clear explanation of the account.”

Paul S. - Lafayette

“The bank employees are friendly, helpful, and they get to know you. Even my dog has been welcomed into the bank and given treats! On a business level, I have consistently received the banking services needed. It's a joy to do banking there!”

John H. - Five Forks

“Good bank. Has been my bank for over 45 years. No complaints.”

Frank B. - Hayes

FAQs - Frequently Asked Questions

Q: What documents are needed to apply for a commercial business loan in Virginia?

A: Applications generally require two to three years of business tax returns, current financial statements including a balance sheet and profit and loss statement, business formation documents, an Employer Identification Number, and personal financial statements from the primary owners.

Q: How quickly does Chesapeake Bank respond to a business inquiry?

A: A Chesapeake Bank Business Relationship Officer responds to new business banking inquiries within 24 hours. You can start by completing the contact form on this page or by calling your local branch directly.

Q: What treasury tools protect a business from check and ACH fraud?

A: Positive Pay screens both checks and ACH debits presented against a business account and holds anything that does not match what the business authorized. CheckSync feeds issued checks into Positive Pay automatically from QuickBooks Online or Xero.