United Bank
United Bank is a regional community bank and subsidiary of United Bankshares, Inc. (NASDAQ: UBSI), serving retail, small business, commercial, and wealth management customers across the Mid-Atlantic via branches, digital channels, and brokerage services.
- Company typePrivate
- Founded1839
- HeadquartersVienna, United States
- Headcount1,001–5,000
- GTM typeB2B and B2C
- OfferingServices
What United Bank does
United Bank is a regional community bank and wholly-owned subsidiary of United Bankshares, Inc. (NASDAQ: UBSI), a publicly traded diversified financial services holding company. Headquartered in Vienna, United States, and operating continuously since its 1839 founding, the bank serves retail consumers, small businesses, commercial clients, and wealth management customers through a multi-channel distribution model that combines physical branches, online banking, a mobile app with Zelle peer-to-peer payments, telephone banking, and a registered broker-dealer subsidiary (United Brokerage Services, Inc.) plus a title insurance subsidiary (United Title Company).
The bank's product portfolio spans personal deposit accounts (checking, savings, money market, CDs with rates up to 3.75% APY on 5-month Digital CDs and 3.50% APY on 11-month Digital CDs), consumer lending (mortgages, home equity, personal and auto loans), credit cards (United VISA Platinum), small business and commercial banking (free and analyzed business checking, business credit cards, treasury management, non-profit services, automotive dealership indirect lending and floor planning), and wealth management plus brokerage services. Digital channels include online banking, mobile banking with mobile deposit and card controls, and content platforms such as the Thrive with United Bank hub and Learning Center.
United Bank's revenue model is anchored on net interest income from its lending book (mortgages, consumer, commercial, indirect auto), supplemented by non-interest income from deposit fees, card interchange, wire transfer fees, merchant services (Direct Link), and securities/advisory fees generated through United Brokerage Services, Inc. The bank was ranked in the top 20 of American Banker's 2025 list of best-performing banks with $2B to $10B in assets, and recent activity includes commercial real estate and affordable housing lending transactions in the Mid-Atlantic alongside geographic expansion signaled by a new Charleston market president appointment.
United Bank firmographics
Firmographics- Name
- United Bank
- Legal name
- United Bank
- Website
- https://bankwithunited.com
- Company type
- Private
- Founded year
- 1839
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- United Bank is a regional community bank and subsidiary of United Bankshares, Inc. (NASDAQ: UBSI), serving retail, small business, commercial, and wealth management customers across the Mid-Atlantic via branches, digital channels, and brokerage services.
- Ownership category
- akta.pro rank
United Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (52211), Depository Credit Intermediation (5221)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industry
- SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)
Where United Bank is headquartered
LocationHeadquarters
- HQ city
- Vienna
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
United Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Net Interest Income: The primary revenue stream is net interest income from lending activities including mortgages, home equity loans, personal and auto loans, business lending, and commercial lending services.
- Non-Interest Income: Revenue from deposit account fees, credit card transaction fees, wire transfer fees, and other banking service charges.
- Brokerage Services Revenue: Revenue generated through United Brokerage Services, Inc., a registered broker-dealer subsidiary offering investment products, financial planning, and retirement planning services. Securities transactions and advisory fees contribute to revenue.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Platinum Savings - Tiered rates with $50 minimum to open |
| Subscription | Monthly | Super Money Market - $15,000 minimum balance |
| One time/ perpetual license | Pay-as-you-go | Digital CDs - $500 minimum, competitive APY rates |
| Subscription | Annual | Christmas Club - $5 initial deposit |
| Other | Monthly | Brokerage and Advisory Services |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels8 records
United Bank product offering
Product offeringCore offering
United Bank operates as a regional community bank delivering deposit accounts (personal and small business checking, savings, money market, CDs), consumer lending (mortgages, home equity, personal and auto loans), commercial lending (including automotive dealership indirect lending and floor planning), treasury management and merchant services, credit cards, brokerage and investment advisory through subsidiary United Brokerage Services, Inc., and wealth management with fiduciary and trust services. Distribution is through physical branches, online banking, a mobile app with Zelle and mobile deposit, phone banking, and the brokerage subsidiary.
Product overview
United Bank operates as a traditional community bank offering a unified suite of personal, business, and commercial banking products alongside wealth management and brokerage services. The product portfolio spans deposit accounts (checking and savings), credit products (credit cards, mortgages, personal/auto loans, commercial lending), payment services (mobile and online banking with Zelle integration), and wealth management solutions. The bank positions its offerings as comprehensive financial services with local market insight, quick turnaround, and creative lending solutions tailored to customer needs.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Checking Multi-tier personal checking account suite offered by United Bank to individual consumers, with options including Rewards Checking, Free Checking, Essential Checking, Platinum Checking, and Veterans Checking to serve different balance, fee, and feature preferences.
- Personal Savings Personal savings products for individual consumers including Platinum Savings with tiered rates and no minimum balance, Super Money Market requiring $15,000 minimum, Christmas Club savings, and CDs (5-Month Digital CD at 3.75% APY; 11-Month Digital CD at 3.50% APY; minimum $500 to open).
- United VISA Platinum Credit Card Platinum-tier VISA credit card product offered to personal banking customers of United Bank.
- Mortgages and Home Equity Residential mortgage products and home equity lines of credit for individuals purchasing homes or accessing accumulated home equity, delivered through United Bank's lending line.
- Personal and Auto Loans Installment loan products from United Bank covering personal financing needs and vehicle/auto financing for individual consumers, with QuickPay & ExpressPay loan payment options.
- Mobile Banking United Bank's mobile banking application for iOS and Android, providing on-the-go account access, mobile check deposit, fund transfers, bill payment, card controls, and Zelle peer-to-peer payments.
- Online Banking Web-based online banking platform from United Bank providing account access, bill payment, fund transfers, eStatements, and secure messaging for personal and business customers.
- Free Business Checking No-monthly-fee business checking account from United Bank designed to serve small business banking needs.
- Analyzed Business Checking Business checking account from United Bank designed for businesses that require detailed account analysis and reporting features, typically those with higher transaction volumes.
- Small Business Savings Savings products from United Bank tailored to the financial management and growth needs of small businesses.
- Business Credit Cards Business-focused credit card products from United Bank intended for business spending and expense management.
- Commercial Lending Services Comprehensive commercial lending solutions from United Bank including indirect lending and on-site floor planning for automotive dealerships, plus 504 Loan Program participation for commercial real estate and equipment purchases.
- Non-Profit Banking Services United Bank's banking solutions for non-profit organizations across affordable housing, municipalities, education, and healthcare sectors.
- Treasury Management Cash management services from United Bank providing tools to expedite collections, control payments, reconcile accounts, and efficiently manage business funds.
- Direct Link Merchant Services United Bank's merchant services solution enabling businesses to process and accept customer payments.
- United Brokerage Services Full-service brokerage platform from United Bank, operated through its registered broker-dealer subsidiary United Brokerage Services, Inc. (FINRA member, SIPC member), offering financial planning, investing solutions, retirement planning, mutual funds, IRAs, and advisory accounts.
- Wealth Management Comprehensive wealth management services from United Bank for individuals, families, institutions, and non-profits, including fiduciary and trust services guided by a defined investment philosophy.
Companies that use United Bank
Customer profileSegments4 records
Ideal customer profiles4 records
United Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
United Bank partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core and minor.
- United Brokerage Services, Inc.coreA registered broker-dealer and subsidiary of United Bankshares, Inc., the issuer of UBSI stock. Offers brokerage services including financial planning, investing solutions, retirement planning, IRAs, mutual funds, and advisory accounts. Member FINRA/SIPC.
- United Title CompanyminorA subsidiary of United Bankshares, Inc. providing title insurance and related services in connection with real estate transactions.
Scale indicators1 record
Recent moves6 records
Expansion highlights4 records
United Bank competitors and assessment
Company assessmentDirect peers
- WesBanco, Inc. West Virginia-based community bank with comparable regional footprint and similar mix of retail, commercial, and wealth management services; directly competes in the same Mid-Atlantic regional banking market as United Bank.
- Fulton Financial Corporation: Mid-Atlantic community bank holding company of similar size with full-service retail, commercial, and wealth offerings; competes head-to-head with United Bank across Virginia, Maryland, and Pennsylvania markets.
- Sandy Spring Bancorp: Maryland-based community bank with parallel retail banking, commercial lending, mortgage, and wealth management franchise operating in overlapping Mid-Atlantic geographies.
- Trustco Bank Corp NY: Regional community bank focused on deposit gathering, residential and commercial lending in the Mid-Atlantic and Northeast; closely comparable by asset class and operating model.
- Burke & Herbert Bank: Virginia-headquartered community bank with comparable full-service retail/commercial banking franchise, similar deposit-gathering model, and overlapping Mid-Atlantic customer base.
- Peoples Bancorp Inc. (Ohio): Multi-state community bank offering parallel retail, commercial, mortgage, and wealth services; comparable by asset class and business model to United Bank.
- S&T Bancorp: Pennsylvania-based community bank holding company with similar commercial, retail, and wealth management product set and an overlapping regional footprint.
- Tompkins Financial Corporation: Northeast / Mid-Atlantic community bank with parallel retail, commercial lending, and wealth management offering; directly comparable by size and service model.
Broad incumbents
- M&T Bank Corporation: Larger Mid-Atlantic and Northeast super-regional bank offering similar retail, commercial, and wealth services; competes in overlapping markets but at materially greater scale and product breadth.
- United Bankshares, Inc. (parent): Public parent holding company (NASDAQ: UBSI) of United Bank; comparable via consolidated regional community-banking franchise spanning the same markets and product lines.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
United Bank social profiles
Digital presenceUnited Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
United Bank leadership team
Management profileNumber of profiles
Profiles1 record
United Bank subsidiaries and ownership
Company hierarchySubsidiaries2 records
United Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
United Bank M&A and investment
M&A and investmentM&A2 records
Investments4 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about United Bank
What does United Bank do?
United Bank operates as a regional community bank delivering deposit accounts (personal and small business checking, savings, money market, CDs), consumer lending (mortgages, home equity, personal and auto loans), commercial lending (including automotive dealership indirect lending and floor planning), treasury management and merchant services, credit cards, brokerage and investment advisory through subsidiary United Brokerage Services, Inc., and wealth management with fiduciary and trust services. Distribution is through physical branches, online banking, a mobile app with Zelle and mobile deposit, phone banking, and the brokerage subsidiary.
Is United Bank a public or private company?
United Bank is a private company. It is classified as corporate owned and is currently operating.
When was United Bank founded?
United Bank was founded in 1839. It employs 1,001 to 5,000 people.
Where is United Bank based?
United Bank is headquartered in Vienna, United States, in the North America region.
How does United Bank make money?
Three revenue lines are on record. Net Interest Income is the primary driver. The others are non-Interest Income and brokerage Services Revenue.
Who are United Bank's main competitors?
Direct peers on record are WesBanco, Inc., Fulton Financial Corporation, Sandy Spring Bancorp, Trustco Bank Corp NY, Burke & Herbert Bank, Peoples Bancorp Inc. (Ohio), S&T Bancorp and Tompkins Financial Corporation. Broad incumbents are M&T Bank Corporation and United Bankshares, Inc. (parent).
Does United Bank have an API?
No public API is recorded for United Bank.
What industry is United Bank in?
United Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABABAC, SME Deposits & Business Accounts (Operating, Savings, CDs). Its NAICS code is 52211 and its SIC code is 6022.