You have a typical "400A" service" as done here in Northern VA. Pictures below showing a typical "400A meter can" with SER running to the separate 200A panels (others here on the forum I believe are referring to this as a 320A meter can).
This is standard on all of our new homes here. These are pictures of a Dominion power meter can. Depending on where you are in northern VA, you might have NOVEC as your power provider but their meter cans and wiring are near identical.
You can see from the meter can lugs that the panels each get L1, L2, and ground. Dominion has not yet run the secondary to this can.

