Access National Bank

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About Us

Access National Bank provides credit and cash management services targeted towards emerging businesses with revenue of up to $100 million. The company invests in the technology and people necessary to provide the most sophisticated banking products, comparable or better than those found at mega banks, delivered on a personalized and local basis. As a trusted advisor, the bank serves the private banking needs of the management, employees and service providers of its business clientele. Once business goals are secure, the company actively works with entrepreneurs in realizing their personal goals through cash management, credit, mortgage and wealth management services.

The Bank, in its 10th year of business reports $750 million in assets and a loan portfolio of approximately $500 million. Its commitment to supporting the local business community and steering clear of the temptations that gave rise to the financial crisis is illustrated by its financial performance. The company has been profitable in every quarter since its second quarter of operation. In fact, during the financial crisis record levels of profitability have been reported as local businesses are increasingly seeing the merits of keeping their business with an independent local bank that is well managed. (1/04/ 2010)

What makes Access unique among local community banks is its commitment to operating businesses. Unlike most community banks, the Board of Directors is comprised 100% by owners and managers of operating businesses, not real estate developers or consultants. Licensed by the SBA as a Preferred Lender early in its development, the Bank emerged as a leader in SBA lending during the financial crisis of 2008-09. In addition to SBA loans, the company provides working capital lines of credit, term loans and commercial real estate loans to businesses. Term loans are provided for business acquisition, fixed assets or permanent working capital. Through an affiliated SBIC, the company also arranges subordinated debt in concert with senior debt when needed.

Access National Corporation is the parent company of Access National Bank, an independent nationally chartered bank. The Bank, established in December 1999, serves the business community in the greater DC Metropolitan area. Its wholly owned subsidiary, Access National Mortgage Corporation, provides residential mortgage loans to bank clients and consumers in the same area and other select markets. The shares of Access National Corporation are traded on the NASDAQ Global Market under the symbol "ANCX"

Business Banking Services are the hallmark of our progressive services portfolio. In working toward your financial goals, we will strive to exceed your expectations and anticipate your future needs. We offer several cost-effective, federally insured deposit accounts for businesses based on monthly account activity. Our Cash Management Services assist you in the control of your organization's cash flow with:

Sweep Accounts
Zero Balance Accounts
Overnight Investments
Online Banking
Merchant Card Processing and more

Access Commercial Credit Services are flexible and fast. We understand what it takes for small and midsized businesses to succeed in today's rapidly changing business environment. With traditional:

Commercial Mortgages
Working Capital Lines of Credit
Equipment Term Loans
SBA loans
Construction Loans
Government Contract Lending and Equipment Leasing,

We look forward to designing a credit solution for your business.

Access Convenience Services allow you to conduct your banking any time, day or night. With Internet Banking, courier deposit, electronic deposit (e-Deposit), bank-by-mail, debit and credit card services, you have access to your account from any remote location.

Cash management services are offered through our Business Access Online Banking product that enables you to manage your cash flow in the comfort and convenience of your office. With Business Access Online Banking, you can:

Summarize your transactions by deposits, checks posted, and by ACH debits and credits
Transmit your direct deposit payroll file
Make transfers between your Access deposit accounts
Make transfers between banks
Initiate wire transfers
Pay your bills
Submit your tax payments
Request stop payments
Send e-mail notifications
Download your information to popular accounting software programs

Access National Bank's Personal Banking services are comprehensive and varied to meet your needs. With interest and non-interest bearing checking accounts, money market, savings, certificates of deposit and Individual Retirement Accounts, we have the products to meet the needs of today's busy and successful professionals.

Our state of the art Personal Access Online Banking allows you to do banking and bookkeeping on your own time and from the convenience of your own home. You can get up-to-the minute account information, pay bills, and transfer funds between your Access deposit accounts.

Enjoy fee-free ATM usage worldwide with the Access National Bank ATM rebate program. Up to 5 ATM usage fees are refunded per month for each cardholder.

In addition, we offer convenience services that give you access to your accounts where and when you need it. With Access MasterMoney™ Debit Card, you have access to ATM's worldwide. You can pay for your purchases at over 12 million merchants worldwide, wherever you see the MasterCard logo.

Whether you're looking for long term financing or easy access to quick cash, Access has the custom credit solution to suit your needs.

Lot and Construction Loans
Residential Mortgages
Home Equity Lines of Credit
Investment Property Mortgages
Secured Loans
Complex or simple, you will find our skilled lending staff is committed to satisfying your financing needs promptly.

Access National Mortgage offers a flexible and creative approach to home financing with a wide variety of loan programs:

Conventional residential mortgages
Jumbo mortgages
Adjustable rate mortgages
Construction/permanent loans

ANM tailors loan programs to meet the specific needs of our clients. They combine a common sense approach with state-of-the-art mortgage technology to provide the best financing and service for our customers. After all, we are financing the most important home... yours!

Our services are designed to provide our customers with a seamless, cost effective process to complete any lease or finance transaction...simple, fast and painless! We manage all phases of each transaction from initial pricing quotes to gathering and processing credit information and applications, and generation of all required lease or finance documentation and funding.