You need a bank that understands what you need.



Tom Richardson

Vice President, Commercial and Residential Lending

Tom Richardson serves both commercial and residential customers in Lancaster, Northumberland, and Middlesex counties, helping them secure the funds they need to reach their goals. This lending specialist has a Master’s in Business Administration from The College of William & Mary, and he also graduated from the Graduate School of Banking at Louisiana State University.  

Prior to working in banking, Tom received his undergraduate degree in Aeronautical Science from Embry-Riddle Aeronautical University and flew both in corporate aviation and then for the US Navy. Along with his role at Chesapeake Bank, he also serves on the Lancaster County Planning Commission, is Chairman of Virginia Quality Life, Treasurer of the Rappahannock River Yacht Club and past President of the Lancaster By the Bay Chamber and the Lancaster Community Library. Tom is based in our Kilmarnock office.

“We treat our customers as individuals and can tailor a loan that meets their needs. We pride ourselves in bringing businesses the best customer service of any bank.” 

Contact Us

What kind of services can you bring my small business?

We have checking accounts that that fit almost any type of situation – and when you bank with us, you’ll have your own business officer. We also offer business loans with flexible terms and fast turnaround. And our card processing services can keep you up and running, with no hidden fees, ever.

You can choose from all the products you need, including:

  • Free business debit cards
  • Business online banking
  • Business credit cards
  • Positive Pay
  • Remote deposit capture
  • Business Money Market accounts
  • Business loans for growth, expansion, and improvements
Why should I consider Chesapeake Bank instead of a big bank?

One reason – local decision-making. We’re part of this community and we want you to succeed. So we go beyond the numbers to get the real story before making any decisions on loans. Another reason – you’ll have your own business officer, so you’ll always be helped by someone who knows you and your business.

You’re local – how does that help me with my day-to-day operations?

Here’s a great example – our card processing services. If you take credit or debit cards, you know how important it is to stay up and running at all times. With Chesapeake Bank card services, if your equipment goes down, we’re there, on-site, as soon as possible. Another example is with our loans. Since we have local decision making, our approval process is quicker than you’ll find with other financial institutions.