The Nation's First Bankers' Bank
When the founders of United Bankers' Bank (UBB) gathered together in 1975, they faced a serious threat. New branching laws meant that the major systems banks were invading their hometowns, competing for their best retail and commercial customers. As one founder so eloquently put it at the time, "We were doing business with the enemy!"
We Were Doing Business with the Enemy!
A new correspondent bank was needed to be owned and managed by community banks, focusing solely on their best interests. Their vision: level the competitive playing field with systems banks by providing community banks with a full range of innovative correspondent services and customized banking solutions to secure the knowledge that nobody would ever come after their customers.
Learn how UBB Started the Nation's First Bankers' Bank
In celebration of UBB's 50th anniversary, we created a video telling the story of how United Bankers' Bank started the Nation's First Bankers' Bank and how we have evolved over the past 50 years to help community banks succeed.
The Spirit of Innovation Lives On!
For more than five decades, the same spirit of innovation and single-minded commitment to community banking that spawned the first bankers' bank has remained in the corporate DNA of United Bankers' Bank, as well as in our dedication to each and every one of our customers.
Your success is always our first priority.
Never ever compete with our customers. Period.
Build and maintain all customer relationships on a bedrock of integrity and trust.
Achieve steady growth and a strong balance sheet to ensure that we have the resources to meet the future needs of our customers.
Pioneer new products, services and technologies that keep our community bank customers competitive with their competition.
Never waver in these commitments regardless of how much everything else changes in banking or the economy.
Full-Solution Banking
Mission & Purpose
United Bankers' Bank (UBB) exists for one reason: to help community banks succeed.
- The nation's first bankers' bank
- Dedicated exclusively to community banks
- Empower them to compete, grow, and thrive against larger institutions
Core Services
Payments & Depository Services
- Check clearing & settlement
- ACH services
- International & domestic wire transfers
- FedNow Instant Payments
- Cash management & currency orders
- Online banking
- FED Funds
Investments & Asset Management
- Securities trading & sales
- Asset & liability management (ALM)
- Portfolio accounting & safekeeping
- Money desk liquidity management
- Investment consultation
Strategic Partnerships
- Core processor contract negotiation
- BSA/AML software solutions
- Cybersecurity services
- Financial literacy programs
- Bank marketing solutions
Credit & Lending Solutions
- Bank stock financing
- Lines of credit
- Holding company loans
- Executive & employee loans
- Loan participations (buying & selling)
Consulting & Advisory
- Compliance consulting
- Bank stock valuations
- Human resource management for banks
- Loan review
- Community bank insurance
- De Novo bank consulting
UBB Differentiators
- Full-Solution Banking: Combining operations, lending, investments, consulting, and partnerships under one roof
- Exclusive Focus: Serving only community banks — no competitors, no conflicts
- Reputation: Trusted leader in correspondent banking with deep industry respect
- Partnership Model: If UBB doesn't offer a solution, we help find it
Commitment to Community Banks
UBB is committed to:
- Leveling the playing field with credit unions and national banks
- Strengthening community banks by enhancing the products & services they offer to their customers
- Providing a trusted source for industry knowledge, expertise, and support
First for Your Success
At United Bankers' Bank, "First for Your Success" is more than just our tagline; it's a promise and a guiding principle that establishes the success of every customer as our number one priority. UBB pioneered the bankers' bank model, and for over 50 years, we have prioritized the needs and success of our community bank customers first and above all else. You can count on UBB as a dedicated ally for community banking today, tomorrow, and in the future. Your success is our success, and at UBB, we are always First for Your Success.
UBB is dedicated to keeping the community in community banking.
UBB is more than a correspondent bank — we are a partner in growth, innovation, and long-term success. Together, we'll ensure community banks remain strong for generations to come.