Overview / Commentary
1800 Robert Fulton Drive, Suite 310
Reston, VA 20191

Access National Bank is headquartered in Reston and is the 11th largest bank in the state of Virginia. It is also the 322nd largest bank in the nation. It was established in 1999 and as of September of 2018, it had grown to 363 employees at 15 locations. Access National Bank's CD rates are 56% higher than the national average, and it boasts an A+ health rating.

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Reviews (3)

Middleburg Bank - Hometown Feel With Competitive Products

Posted by: Quarromet | Apr 6, 2018

I have had my checking and savings account with Middleburg Bank for a little over 4 years now and have been impressed. At my main branch, located in downtown Purcellville, they truly have made me feel like family, many of which know me by my name (and I only visit a few times a month!). While I find their products average (for example, my checking account does NOT earn interest even with a high minimum to start - I think we I opened it, it was $500, and my savings only earns .05% right now), the customer service has been top notch and helpful, something my previous bank lacked. If you are opening accounts here, I'd highly recommend maximizing interest paid by looking into diversifying into several of their product options. We just opened 2.5 year CD's (their recommendation) and are now earning over double what the basic savings account was in interest now.

Extremely Frustrating, Unnecessary Charges

Posted by: Beccayan | Aug 11, 2017

Was a Middleburg Bank member before they merged. This month everything went into effect. Today I logged in to check my balance and noticed a $15 maintenance fee. I called to ask what it was for and I was told that there is a $15 charge every month if I don't have $1,500 in my account at all times. I am closing my account first thing tomorrow morning. :)

Terrible Customer Service And Poor Security

Posted by: Anonymous | Feb 9, 2012

Loan rates are not the best, it's better to go to a bigger bank.


Health Grade Components

FDIC Certificate #35189
Year Established1999
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.23%
Return on Equity - YTD8.71%
Annual Interest Income$83.2MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$3.01B$2.83B
LoansQ3 2018vs Q3 2017$2.11B$1.98B
DepositsQ3 2018vs Q3 2017$2.32B$2.30B
Equity CapitalQ3 2018vs Q3 2017$414.0MM$370.5MM
Loan Loss AllowanceQ3 2018vs Q3 2017$17.3MM$15.7MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$4.2MM$4.4MM
Real Estate OwnedQ3 2018vs Q3 2017$643.00K$2.1MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Access National Bank Money Market Rates

0.20%*$100k*-Relationship Business MMA
OTHER TIERS: 0.05% Up to $25k | 0.10% $25k - $50k | 0.15% $50k - $100k
0.15%*$1m*-Business Money Market
OTHER TIERS: 0.05% Up to $25k | 0.10% $25k - $1m
0.15%*$50k*-Relationship Personal MMA
OTHER TIERS: 0.05% Up to $25k | 0.10% $25k - $50k
0.10%*$25k*-Personal Money Market
OTHER TIERS: 0.05% Up to $25k

Access National Bank Checking Account Rates

0.30%*$100k*-Money Matters Checking
OTHER TIERS: 0.10% Up to $20k | 0.20% $20k - $100k
0.20%*$10k*-Shareholder Interest Checking
OTHER TIERS: 0.05% Up to $10k
0.20%*$2m*-Business NOW
OTHER TIERS: 0.10% Up to $75k | 0.15% $75k - $2m
0.15%*$10k*-Executive Banking
OTHER TIERS: 0.10% Up to $10k
0.10%--IOLTA / MD Affordable Housing Trust
0.05%--Hunt Club Checking

Access National Bank CD Rates

2.20%$10k-6 Year CD
2.20%$10k-7 Year CD
2.20%$10k-Business 6 Year CD
2.20%$10k-Business 7 Year CD
2.10%$10k-5 Year CD
2.10%$10k-Business 5 Year CD
2.00%$10k-4 Year CD
2.00%$10k-Business 4 Year CD
1.90%$10k-3 Year CD
1.90%$10k-Business 3 Year CD
1.75%$10k-2 1/2 Year CD
1.75%$10k-Business 2 1/2 Year CD
1.70%$10k-2 Year CD
1.70%$10k-Business 2 Year CD
1.50%$10k-18 Month CD
1.50%$10k-Business 18 Month CD
1.40%$10k-1 Year CD
1.40%$10k-14 Month CD
1.40%$10k-Business 1 Year CD
1.40%$10k-Business 14 Month CD
1.00%$10k-9 Month CD
1.00%$10k-Business 9 Month CD
0.75%$10k-6 Month CD
0.75%$10k-Business 6 Month CD
0.75%$10k-182 - 364 Day CD
0.75%$10k-Business 182 - 364 Day CD
0.50%$10k-30 - 181 Day CD
0.50%$10k-Business 30 - 181 Day CD

Access National Bank IRA Rates

2.30%$10k-7 Year IRA
2.20%$10k-6 Year IRA
2.10%$10k-5 Year IRA
2.00%$10k-4 Year IRA
1.90%$10k-3 Year IRA
1.75%$10k-2 1/2 Year IRA
1.70%$10k-2 Year IRA
1.50%$10k-18 Month IRA
1.40%$10k-1 Year IRA
1.40%$10k-14 Month IRA
1.00%$10k-9 Month IRA
0.75%$10k-6 Month IRA
0.75%$10k-182 - 364 Day IRA
0.50%$10k-30 - 181 Day IRA


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