Yes, these are unprecedented times. And while we’re all focused on our health, we know that pretty much all of us are concerned about our money, too. Here’s what Chesapeake Bank is doing in response to the COVID-19 situation. 

We’re staying open, online and at branch drive-thrus. Because let’s face it, you’re not going to stop needing money. You’ll need to deposit checks, pay your bills, and buy those things you need to get by. So, as always, when you call us, an actual human being will answer the phone and help you out. And if you visit us at a branch, you can stop by our drive-thru during normal operating hours.

We are also working on a growing list of local food and dining businesses that have set up to-go, delivery, and pick-up options:

Local Food & Dining

Customer communications and updates:

Current Office Hours
  • All branch lobbies are open by appointment only. Please contact your local branch to schedule. 
  • Each Drive-Thru is operating at normal hours.
  • All offices (lending, Chesapeake Payment Systems, Chesapeake Wealth Management, and Cash Flow are open by appointment only. Please contact to schedule.  
Important Announcement

Chesapeake Financial Shares, Inc. 
35 School Street 
Kilmarnock, Virginia 22482 


The following Notice of Change of Time and Location relates to the proxy statement (the “Proxy Statement”) of Chesapeake Financial Shares, Inc. (the “Company”) dated March 6, 2020, furnished to shareholders of the Company in connection with the solicitation of proxies by the Board of Directors of the Company for use at the Annual Meeting of Shareholders (the “Annual Meeting”) to be held on Friday, April 3, 2020. This Supplement is being made available to shareholders on or about March 18, 2020. 



Due to the emerging public health impact of the coronavirus outbreak and to support the health and well-being of our employees and shareholders, we are hereby providing notice of a change to the time and location of the Annual Meeting of Shareholders of Chesapeake Financial Shares, Inc. (the “Company”). As previously announced, the Annual Meeting will be held on Friday, April 3, 2020. In light of public health concerns regarding the coronavirus outbreak, the Annual Meeting will be held at 10:00 a.m. Eastern Time at the Chesapeake Bank Operations Center located at 35 School Street, Kilmarnock, Virginia 22482. We strongly urge you to consider voting and submitting your proxy in advance of the Annual Meeting in lieu of attending the meeting in person. There will be no reception following the brief meeting. If you have any questions, please do not hesitate to contact Rebecca A. Foster, Chief Financial Officer of the Company, at 804-435-4200 or me at 804-435-3593. 

As described in the proxy materials for the Annual Meeting previously distributed, you are entitled to participate in the Annual Meeting if you were a shareholder as of the close of business on February 28, 2020, the record date, or hold a legal proxy for the meeting provided by your bank, broker or other nominee. We urge you to vote and submit your proxy in advance of the meeting by one of the methods described in the proxy materials for the Annual Meeting in lieu of attending the meeting in person. The proxy card included with the proxy materials previously distributed will not be updated to reflect the change in time and location and may continue to be used to vote your shares in connection with the Annual Meeting. 

By Order of the Board of Directors, 

Jeffrey M. Szyperski 
Chairman, President, and Chief Executive Officer
March 18, 2020 

The Company’s Proxy Statement and Annual Report are available for viewing, printing, and downloading at To view these materials, please follow the instructions on the website. 

March 18th Email to Customers
Dear Customers,
The goal of Chesapeake Bank has always been to serve our communities in the best ways we can. Now as we all face the challenges of the Coronavirus (COVID-19) pandemic together, we're making a few changes designed to keep both our customers and employees as safe as possible starting tomorrow,
Thursday, March 19, all Chesapeake Bank branches will move to drive-thru only service, and lobby business will be by appointment only. 

We are open for business. We are just conducting business a bit differently. Our lobbies will be available by appointment only, whereas our drive-thru lanes will be open, as usual. We also encourage customers to use our ATMs, many of which have recently been upgraded.

To visit our branches, click this button and select the one closest to your location:

Find Us

Make a lobby appointment
Please contact the staff at our branches if you have a need that requires services like CD withdrawal, loan closing, account openings, and related activities.
Phone Support
Our Solution Center is available for you during business hours at 877-436-9032 to help answer any questions you may have.
Chesapeake Bank’s Digital Solutions
We’re happy to share with you that you can do most things through our online banking and mobile applications. From checking your balances to remote check deposit, your smartphone and computer are portals to our services.
Online Banking
For 120 years, Chesapeake Bank has stood by our customers through both smooth times and rough. That includes blizzards, hurricanes, and now this pandemic. We're not going anywhere, and will be here for you through this situation and beyond.
Jeffrey M. Szyperski
Chairman, President, CEO
Chesapeake Bank
March 13th Email to Customers

As we all continue to monitor the COVID-19 (Coronavirus) information, Chesapeake Bank would like to inform our customers and the public that we are taking every precaution necessary to decrease the likelihood of further transmission of the virus in our workplace and communities.

Our bankers enjoy seeing you in our offices, however, we fully understand your preference of limiting your daily interactions. Please, keep in mind that you can do most of your banking through our digital tools or our telephone banking (800-417-6675). We offer 24/7 access to your accounts through online banking and mobile banking with mobile deposit.

Through these channels you can:
  • View balances, transactions, and statements
  • Make transfers between accounts
  • Pay bills
  • Deposit checks
  • Find an ATM

If you are not already enrolled in these services, click here to get started. Also, using your debit card instead of cash is recommended.

We never want to compromise our service levels, even if we can’t talk with you face to face.
Customer service is available through:
  • A phone call to our Solution Center (877-436-9032)
  • A text message to any branch location
  • And online chat through our website (
This situation may be imposing different degrees of hardship on our customers. As your bank, we are here to help and encourage customers that are impacted to please let us know how we can help.
Customer and employee safety is of utmost importance, and we will model our response to each of our local communities. Currently, we are instituting more frequent cleaning protocols throughout the business day along with making hand sanitizer available in all of our customer and employee contact areas. We have also limited group gatherings, meetings, and business travel to limit further transmission of the virus.
As we continuously monitor the impact and updates regarding COVID-19, we will take further action as the situation warrants.
Should you have any questions or concerns, please call your local branch or 877-436-9032.
Thank you for your patience during this unusual time.
Jeff Szyperski
President and CEO
Chesapeake Bank


Small Business


Important Links/Updates

As a Chesapeake Bank customer, we want to help you. We are not sure what lies ahead, and we want you to know that we'll be here for you. Contact us about any financial concerns you may have, so that we can work with you to provide the right solution.

Thank you!