United Bank

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.

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

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)

Headquarters

HQ city

Vienna

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. 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.
2. Non-Interest Income: Revenue from deposit account fees, credit card transaction fees, wire transfer fees, and other banking service charges.
3. 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

Go-to-market motion1 record

Distribution channels5 records

Marketing channels8 records

Core 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.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

Two partnerships are on record, tiered core and minor.

• United Brokerage Services, Inc.coreTechnology or IntegrationA 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 CompanyminorImplementation/ SI/ Consulting PartnerA 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

Direct 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

• Xx.com/BankWithUnited
• Facebookfacebook.com/bankwithunited
• LinkedInlinkedin.com/company/unitedbank
• Instagraminstagram.com/bankwithunited

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A2 records

Investments4 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about United Bank