Overview
Commercial banking at Chain Bridge Bank, N.A.
Chain Bridge Bank, N.A. provides commercial banking for for-profit businesses and not-for-profit organizations, bringing deposit accounts, treasury management, lending, and business credit cards into a single relationship. Deposit and treasury services are available nationwide, with fully remote onboarding. Commercial lending primarily serves McLean, Northern Virginia, Washington, D.C., and the nearby Maryland suburbs, with credit decisions made locally by the Bank’s own credit professionals.
The Bank chooses to serve a limited number of commercial clients. This allows attentive, personal service: every commercial depositor has a relationship officer, with the authority to make decisions and resolve problems on the client’s behalf. The Bank works with established businesses and organizations, with particular depth in the industries listed below, and also considers well-capitalized newer businesses led by experienced management. Each area on this page has its own page.
What it includes
Commercial deposit accounts, treasury management, commercial lending, business and corporate credit cards, and industry-specific banking.
Who it is for
For-profit businesses and not-for-profit organizations, including government contractors, law firms, nonprofits, trade associations, political organizations, and property and asset managers. The Bank also considers well-capitalized newer businesses led by experienced management.
Area served
Deposit and treasury services are available nationwide, with remote onboarding. Commercial lending primarily serves McLean, Northern Virginia, Washington, D.C., and the nearby Maryland suburbs.
How the relationship works
Every commercial depositor has a relationship officer, who coordinates deposit, treasury, and lending services. Credit decisions are made locally.
Point of contact
A relationship officer, by phone at 703.748.2005 or email at nationalbanking@chainbridgebank.com.
Industries we serve
Banking organized around the industry
The Bank works with businesses and organizations across many industries, with particular depth in those below. Each name links to its own page describing the banking relationship for that industry, including deposit, treasury, and financing services.
- Government contractors: specialized banking, treasury and receivables management, and financing tied to contract awards, billing cycles, and mobilization.
- Law firms: operating, IOLTA, and client trust accounts, treasury fraud controls, and financing for firm needs, considered case by case.
- Lobbying and government affairs firms: operating and escrow accounts, treasury controls, and PAC banking for public affairs firms.
- Nonprofit organizations: cash management for grant, dues, and program cycles, with financing for capital projects and major equipment, including policy research institutes.
- Trade associations: treasury and lending for 501(c)(6) membership and dues cycles.
- Corporate PACs: separate segregated fund accounts for corporate and association PACs.
- Political committees: deposit and treasury services for FEC-regulated and state committees, nationwide.
- Property and asset management firms: operating, trust, and escrow accounts and financing for property and asset managers.
Commercial services
One relationship across the business
A short overview of each area. Select an area to see its full page, including how the service works and how to discuss it with the Bank.
Commercial lines of credit, term and equipment loans, commercial real estate loans (commercial mortgages), standby letters of credit, executive lines of credit, and commercial bridge loans, with credit decisions made locally.
Treasury ManagementDigital collections, payments, and account information, including ACH, Fedwire® and international wires, Positive Pay, and dual control, with fully remote onboarding.
Business and Corporate Credit CardsCard accounts for business purchasing and expense management, with cards for authorized employees and reporting for the organization.
Commercial DepositsOperating and analysis checking, money market accounts, and certificates of deposit, with a generous earnings credit to offset service charges and access to multi-million-dollar FDIC insurance through IntraFi Cash Service® (ICS).
How the Bank works
A direct banking relationship, coordinated by one officer
- A relationship-focused approach. Unlike mass retail banks, the Bank serves a limited number of commercial clients, which allows attentive, personal service.
- A relationship officer for every commercial depositor. The officer has the authority to make decisions and resolve problems on the client’s behalf, and stays with the relationship as the client’s point of contact.
- Decisions made locally. Commercial credit decisions are made locally, by the Bank’s own credit professionals. Requests are not referred to a distant credit center.
- Industry-focused banking. The Bank offers industry-specific banking for the industries it serves, with treasury and deposit structures suited to each industry’s cash cycles.
- Nationwide for deposits and treasury. Deposit accounts and digital treasury management are available nationwide, with fully remote onboarding. Commercial lending remains focused on the greater Washington, D.C. trade area.
Frequently asked questions
Commercial banking questions
What is commercial banking at Chain Bridge Bank, N.A.?
Commercial banking at Chain Bridge Bank, N.A. is banking for for-profit businesses and not-for-profit organizations. It brings deposit accounts, treasury management, lending, and business credit cards into a single relationship. Every commercial depositor has a relationship officer, and commercial credit decisions are made locally, by the Bank’s own credit professionals. The Bank has experience serving government contractors, law firms, nonprofits, and trade associations, each described on its own industry page.
What services does the Bank offer commercial clients?
The Bank offers commercial deposit accounts, including operating and analysis checking, money market accounts, and certificates of deposit; treasury management with fraud mitigation controls such as Positive Pay and dual control; commercial lending, including lines of credit, term and equipment loans, commercial real estate financing, standby letters of credit, and bridge loans; and business and corporate credit cards. Current deposit rates are published on the Deposit Rates page.
Where does the Bank serve commercial clients?
Deposit and treasury services are available nationwide; organizations anywhere in the United States open accounts remotely. Commercial lending is focused on McLean, Northern Virginia, Washington, D.C., and the nearby Maryland suburbs, where credit decisions are made locally.
Can an organization open a commercial account without visiting a branch?
Yes. Commercial accounts open remotely, and treasury management onboarding is completed digitally for organizations anywhere in the United States. A relationship officer and the Treasury Support Team handle setup. Account opening is subject to the Bank’s approval and identity-verification requirements.
What types of businesses and organizations does the Bank work with?
The Bank works with established for-profit businesses and not-for-profit organizations, including government contractors, law firms, lobbying and government affairs firms, nonprofit organizations, trade associations, political committees and corporate PACs, and property and asset management firms. It also considers well-capitalized newer businesses led by experienced management. Account opening is subject to the Bank’s approval, and credit requests are subject to credit approval.
Does the Bank offer FDIC insurance above the standard limit?
Through IntraFi Cash Service® (ICS), clients may place funds across IntraFi network banks to access multi-million-dollar FDIC insurance coverage. See the ICS page for detail.
How does a business start a commercial banking relationship?
A business can contact the Bank’s commercial banking team by phone at 703.748.2005 or by email at nationalbanking@chainbridgebank.com. Calls are answered Monday through Friday, 9:00 a.m. to 5:00 p.m. Eastern Time. Confidential personal, financial, or account information should not be sent by email or through a web form.
Your commercial banking team
Discuss a commercial banking relationship
A relationship officer is the client’s point of contact across deposit, treasury, and lending services. New relationships begin with a conversation. To discuss a lending request, the Bank’s commercial lending officers are listed on the Commercial Loans page.
Do not send confidential personal, financial, or account information by email or through a web form.
Account opening is subject to the Bank’s approval and identity-verification requirements. Deposit accounts are insured by the FDIC up to the limits set by law.
All loans, lines of credit, credit limits, rates, terms, collateral requirements, and other conditions are subject to credit approval. This page is not a commitment to lend.
Chain Bridge Bank, N.A. does not provide tax, legal, or accounting advice. Clients should consult their own advisors.
