Summer Newsletter JULY-SEPT 2026
Virginia Beach, Virginia Picture From:
In Appreciation of Our Members
There are many things I’m proud of at ABNB, but what means the most to me is the trust our members place in us. It’s something that must be earned, and it’s a responsibility we take seriously. Every day, I’m grateful for the opportunity to serve more than 76,000 members that choose ABNB as their financial partner. It’s truly a privilege to serve you and your family, your business, and your financial goals. I know many individuals, families, and businesses continue to face economic uncertainty. Rising costs and everyday financial pressures can make it harder to plan for what’s today, let alone what’s next. During times like these, I believe having a trusted financial partner matters more than ever. Our ongoing commitment is to make sure ABNB continues to provide the guidance, solutions, and personal support you need to create financial opportunities and move forward with confidence. One of the most rewarding parts of my role is seeing the incredible things our members accomplish. Whether you’re buying a home, saving for the future, growing a business, or reaching a personal milestone, your perseverance and ambition are inspiring. ABNB recently had the opportunity to celebrate one of our business members, Ollie’s Pies, as they reached an exciting milestone in their growth entrepreneurial journey. Watching a local business pursue a family’s dream, create jobs, and invest back into our neighborhoods is a powerful reminder of why our work matters. When our members succeed, our communities are stronger because of it. I’m also excited about what’s ahead for ABNB. This fall, we’ll welcome members and staff from two new branch locations in Roanoke Rapids and Louisburg, North Carolina. As we grow into new areas, my focus remains the same as it’s always been: building strong relationships, delivering dependable service, and helping more members achieve their goals.
Beyond our branches, I’ve been especially proud to see ABNB employees giving their time throughout Hampton Roads and North Carolina this summer. From helping young adults prepare for job interviews to supporting local nonprofits, these efforts reflect something I believe deeply: strong communities are built when neighbors show up for one another. One of the highlights of the year for me was seeing so many members vote for ABNB in Coastal Virginia Magazine’s Best Of Readers’ Choice Awards. Earning Silver recognition for both Best Credit Union and Best Financial Institution on the Southside is an honor, but what means the most is knowing that our nominations came from the members we serve every day. Thank you for your membership. Thank you for your trust. And thank you for allowing ABNB to be part of your story. I am grateful for the opportunity to serve you.
Charles A. Mallon Jr. President/CEO
757.523.5300 | 800.443.1141 | ABNBfcu.org Page 2
Company NMLS #460140
A Recipe for Growth & Baked into Perfection It started with a recipe and grew into a dream.
The Next Steps A new mobile baking trailer.
The Impact Stronger community connections.
The Support Retail Alliance’s Retail Catalyst program.
Grow famliy pie making business. The Dream
During a conversation with co-owners T.J. and Sarah Terry, Retail Alliance Director of Programs Tara Jones, and ABNB FCU’s Dan Grubb, VP of Commercial Lending, we explored the business’s journey and the power of community partnerships.
From the first time I met Dan and Joey, they felt like advocates. T.J. Terry, Ollie’s Pies Co-owner
See Ollie’s Pies Story
In partnership with:
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ABNB FCU is an Equal Housing Lender
Company NMLS #460140
757.523.5300 | 800.443.1141 | ABNBfcu.org
Clover Account
Clover � Account is a simple and flexible service plan to take payments without a POS device Take payments on your computer, tablet or mobile device For businesses that take payments over-the-phone or by mail, are primarily online, or just starting out, Clover Account is a simple and flexible solution that grows with your business. Clover Account comes with features that enable you to take payments with a web browser, a mobile device or your website, and track transactions all through a single dashboard.
Key Features
Accepted payment types
All major credit and debit cards, checks, and cash
Virtual Terminal
Take card payments from virtually anywhere through a web or mobile web browser Request customer payment by email and allow them to pay you online Use the Clover Go app to take payment with your smartphone Integrate with BigCommerce and Ecwid eCommerce platforms
Invoicing
Mobile payment
eCommerce integration
Integrate in-store and online
Reconcile sales, inventory and customer data across all channels
Developer tools
Build custom integrations with Clover with our APIs Manage your business through the Clover Dashboard
Dashboard
Basic reporting
Real-time sales at your fingertips, gain insights to sales volume and trends
Clover App Market
Integrate popular third-party apps with your Clover system
24/7/365 support
All day, everyday support to assist you with your needs
For more information, please contact your business consultant. Click Here to Learn More
©2020 Clover Network Inc. The Clover name, logo and related trademarks are owned by Clover Network, Inc., and are registered or used in the U.S. and many foreign countries. Merchant services are provided by First Data Merchant Services LLC dba Clover Business Solutions, a registered ISO of Wells Fargo Bank, N.A., Concord, CA; Fairmont, WV; and MetaBank, N.A., Sioux Falls, SD. All trademarks, service marks and trade names referenced in this material are the property of their respective owners. 697456 2020-11
When it comes to buying or refinancing a home, you don’t have to navigate it alone. ABNB’s Mortgage Loan Officers, Milton, Robin and Shawnte, take the time to understand your goals and connect you with the right mortgage solution for your unique situation. From first-time homebuyers to seasoned homeowners, we’re here to help every step of the way.
Discover the ABNBFCU Advantage
Whether you’re buying or refinancing your first, second, or forever home, knowing what goes into a mortgage and getting pre-approved can help you get the edge on other buyers and save a lot of money in the long run. Lock in your interest rate, your term, and your home loan with the ABNB advantage.
Competitive Rates
Get Pre-Approved Purchase or Refinance
Know Your MLOs
757.523.5300 | 800.443.1141 | ABNBfcu.org Page 5
Company NMLS #460140 ABNB FCU is an Equal Housing Lender
Stay in Control Wherever you go.
Travel with added peace of mind using powerful card management tools designed to keep up with you on the go. Before your next trip, set travel notifications, establish spending limits, and customize controls based on where your card can be used. If your plans change, you can quickly turn your card on or off with the tap of a button. No matter where you travel, you’ll have greater control and security right at your fingertips. Download the ABNB Mobile App Today!
Stay Ahead of your insights and controls!
Intuitive
Detailed
Budget-Friendly
View month-over- month graphs to see how much you spend on household needs,
Color-coded trends make it easy to see
Monitor your subscriptions and recurring purchases with ease.
where you're spending, from the grocery store to the gas station.
traveling and personal care.
Click to Learn More
757.523.5300 | 800.443.1141 | ABNBfcu.org Page 6
Fraud Doesn’t Wait. And Neither Should You.
Your financial security matters. With fraudsters constantly finding new ways to target consumers, it’s more important than ever to stay aware of how your card information is being used. Regularly reviewing account activity, protecting personal information, and taking advantage of available security features can help reduce the risk of fraud and give you greater confidence that your finances are protected.
Use Strong, Unique Passwords Create passwords that are difficult to guess. Avoid reusing them across accounts.
Monitor Your Accounts
Turn On Account Alerts
Think Before You Click
Review your transactions regularly and report any suspicious activity immediately.
Enable transaction and login notifications to stay informed of account activity.
Be cautious of unexpected emails, texts, or phone calls asking for personal information.
Learn More About
Identity Theft and Online Security
ABNB Digital Banking
Money Mules
Scam Tracking Map
Ask for an insurance overview with a Wealth Advisor about your specific insurance needs now and in the future.
Request Your Appointment
It's important to align insurance with your financial strategy at every life stage.
Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. ABNB Federal Credit Union and ABNB Financial are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using ABNB Financial, and are employees of LPL. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, ABNB Federal Credit Union or ABNB Financial. Securities and insurance offered through LPL or its affiliates are:
NOT INSURED BY NCUA OR ANY OTHER GOVERNMENT AGENCY
NOT CREDIT UNION GUARANTEED
NOT CREDIT UNION DEPOSITS OR OBLIGATIONS
MAY LOSE VALUE
757.523.5300 | 800.443.1141 | ABNBfcu.org Page 7
When you bank on the go, bank�with�confidence
Keep these tips in mind when you’re banking on the�go
Lock your phone. Personal information stored on your phone is more secure when you use a passcode, a pattern drawn on your touch screen or Face ID or fingerprints to unlock your phone.
Avoid unsecured public Wi-Fi. Instead of using public Wi-Fi when accessing your bank account, log in via password-protected Wi-Fi or use cellular data to connect.
Beware of links sent via text. Never click on unexpected links sent via text, especially if the message requests you to log in to your accounts.
Scan the QR code or visit DigitalBankingSafety.com to learn�more
Data rates may apply. Check with your mobile phone carrier for details. App Store is a service mark of Apple Inc. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Android, Google Play, and the Google Play logo are trademarks of Google LLC. Copyright © 2026 ABNB Federal Credit Union. All rights reserved.
ABNB Federal Credit Union���|���830 Greenbrier Circle���|���Chesapeake, Virginia 23320���|���(757) 523-5300
FORE! A Good Cause!
The 6th Annual
Golf Tournament
| October 19th | National Virginia Beach Golf Club |
Sponsorship Opportunities: Platinum Sponsor
The ABNB Community Foundation Golf Tournament is our signature annual fundraiser, bringing together community leaders, local businesses, and ABNB members for a fun and meaningful day on the course. This event supports important causes while strengthening connections across our community. In 2025, the ABNB Community Foundation achieved its most impactful year yet, raising a record-breaking $140,000 through the Golf Tournament and awarding $120,000 in grants to 36 local organizations. These funds helped provide meals for children facing food insecurity, support families transitioning out of homelessness, fund critical home repairs, and expand access to pediatric mental health resources, creating meaningful change throughout the communities we serve.
Gold Sponsor Silver Sponsor
Player Registration
Register or Donate Today
Our Mission: To measurably improve the lives of families and children in the communities that we serve.
Watch The Impact
757.523.5300 | 800.443.1141 | ABNBfcu.org Page 9
People Helping People, All Summer Long. This summer, we had the privilege of supporting local nonprofits, celebrating community partners, and giving back throughout the places we call home. Guided by our commitment to People Helping People , we remain dedicated to making a positive impact and strengthening the communities we serve. Thank you for being part of that mission. We hope to see you out in the community with us soon!
757.523.5300 | 800.443.1141 | ABNBfcu.org Page 10
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