With the federal government shutdown currently in effect, banks across the Commonwealth are prepared to help those impacted. Below you will find ways VBA member banks are supporting affected customers.

If you would like to add your bank’s information to this webpage, please email Monica McDearmon. Banks are also encouraged to share information with the American Bankers Association here. 

ATLANTIC UNION BANK

Encouraging federal employees affected by the government shutdown to reach out to their customer care center as soon as possible to discuss potential solutions. Learn more.

Bank of America

Bank of America is proactively reaching out to clients who have been identified as potentially being impacted by the partial government shutdown. Their client advisors and bank branch employees are able to assist with inquiries as well. Bank of America’s Client Assistance Program offers personalized assistance to clients experiencing financial difficulties.

Clients who are experiencing financial impacts and want to request assistance can:

• Submit a request using the digital form accessible on bankofamerica.com.
• Call our Client Assistance Program (CAP) toll-free number 844.219.0691; teammates are available Monday through Friday, 8 a.m. to 11 p.m. and Saturday through Sunday, 8 a.m. to 8 p.m. Eastern.
• Log in to our Mobile app and ask Erica® about the Government Shutdown.

Client Assistance Program availability will be communicated via:

• Messaging on BankofAmerica.com and in Mobile.
• Email to clients identified as receiving government ACH payroll.
• Internal and External actions to support employees and clients include: IVR updates, ERICA utterances with direct CAP access, targeted client emails based on ACH payroll data (including Spanish translation), digital splash notices, and internal communications to frontline teammates.
• Product offers/assistance:
  • Consumer and Small Business Card – Clients may defer one monthly payment. Interest will continue to accrue during the deferral period, and any late fees incurred will be refunded or waived.
  • Auto Loans – Clients may have one payment deferred. Interest will continue to accrue during the deferral period, and any late fees incurred will be refunded or waived.
  • Home Loans and Home Equity – Clients may receive a 3-month payment forbearance. Interest will continue to accrue during the forbearance period, and any late fees incurred will be refunded.
  • Deposits – Clients may request refunds for up to 30 days of fees (monthly maintenance, overdraft, and non-BAC ATM withdrawals) within 60 days of CAP activation.

Burke & Herbert Bank

For existing customers, Burke & Herbert Bank has a loan deferral opportunity as well as short-term unsecured borrowing available.

Capital One Financial Corporation

Capital One is prepared to assist our customers impacted by the federal government shutdown. We encourage customers who have experienced a financial disruption due to the shutdown to reach out to us to discuss their individual circumstances. Assistance provided to our impacted customers could include temporarily waiving or refunding certain credit card and banking fees, and extending payment due dates on auto loans.

Chase bank

Chase is offering fee waivers and repayment plans for home lending and credit cards, proactively refunding monthly service and overdraft fees to customers with direct deposits tied to federal government accounts.

Chesapeake Bank

If you are experiencing financial hardship, please reach out to us as soon as possible. We may be able to offer assistance such as:

• Fee waivers
• Payment deadline extensions
• Other accommodations tailored to your needs

You can learn more here.

CITY NATIONAL BANK

• Is offering the following help for employees of the federal government who has been furloughed due to the government shutdown:
  • Loan Payment Deferment
    • If you have a loan with City and would like to request a payment deferral, call us at 1-800-598-2489 to discuss your options.
  • Furlough Relief Loan*
    • Borrow up to $5,000 at an Annual Percentage Rate of just 4.99%
    • No fees
    • No payment for the first 120 days
    • 24-month repayment period
  • To determine eligibly, customers will need to provide a federal employee ID or other proof of federal employment, such as a pay stub, when applying.

*Limited-time offer. Subject to normal credit approval. The interest rate is accurate as of 10/6/25. Learn more.

First Bank, Virginia

First Bank is offering a loan deferral opportunity to our existing customers to help address their unexpected financial challenges.  They encourage customers experiencing hardship regarding an upcoming consumer loan payment to please contact their Customer Care team at 888.647.1265, as there may be options to assist you.  Learn more: Government Shutdown.

Lee Bank & Trust Company

Lee Bank & Trust Co. offers a special loan program to all qualified local Federal Government employees affected by the shutdown. The loan is repaid with back pay. Learn more.

Old Dominion National Bank

ODNB is committed to supporting its clients by providing relationship-based guidance and financial planning support to help clients navigate liquidity needs and maintain operations during the shutdown.  For example, ODNB is expediting access to working capital lines of credit to help bridge gaps in cash flow caused by paused or delayed federal payments. Customers are encouraged to contact their loan officer to discuss options. 

TD BANK

• Activated the TD Cares program to help furloughed federal employees, federal contractors, and other TD clients whose federal benefits are impacted by the U.S. government shutdown. Learn more.
• The program features: 
  • Eligible Fees refunded during the U.S. Government Shutdown - Impacted clients may request refunds on certain fees, such as Overdraft Fees, Non-TD ATM Fees, and Monthly Maintenance fees. And if impacted clients need access to the funds in their Certificate of Deposit (CD), the bank will waive the early withdrawal penalty on a CD.
  • Late fee refunds on most TD Bank, N.A. Visa credit cards - Impacted clients who receive late charges on a TD Bank Visa credit card can contact TD Credit Card Assistance by calling the phone number that appears on the back of the card to see what assistance is available.
  • Loan assistance - Impacted clients struggling to make a mortgage, home equity, personal or TD Auto Finance loan payment to TD Bank due to financial hardship caused by the government shutdown should call TD to learn more about opportunities for short-term relief.
  • Commercial and Small business loan assistance - Commercial and Small Business clients who experience a hardship resulting from the government shutdown may be eligible for fee refunds on their loan or line of credit. Clients should contact their relationship manager.

Truist Bank

Truist Bank is working with all of its impacted clients on an individual basis with their unique situations. Existing Truist Bank customers can visit www.truist.com/contact.

Wells Fargo

Customers can use the Wells Fargo Mobile® app to get information in the Relief Center or call 1-800-219-9739 to discuss their financial needs.