Equal House Lender - FDIC

How Can We Help You?

A CORRESPONDENT BANK CREATED FOR COMMUNITY BANKS

Your Bank. Your Customers. Our Full Support.

United Bankers’ Bank provides community banks with the correspondent banking solutions, specialized expertise, and personal service they need to compete and grow, without ever competing for their customers.

Whether you have an immediate correspondent banking need or are interested in adding another trusted partner, we’re ready to help your community bank.

"At UBB, correspondent banking is not a department. It’s all we do."

Mission & Purpose

Today, more than 1,000 community banks trust UBB as their correspondent partner because our mission has never changed: 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

The UBB Difference

Success

Your success is always our first priority.

Non-Compete

Never ever compete with our customers. Period.

Relationships

Build and maintain all customer relationships on a bedrock of integrity and trust.

Growth

Achieve steady growth and a strong balance sheet to ensure that we have the resources to meet the future needs of our customers.

Innovative

Pioneer new products, services and technologies that keep our community bank customers competitive with their competition.

Commitment

Never waver in these commitments regardless of how much everything else changes in banking or the economy.

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

As the nation’s first bankers’ bank, for over 50 years, we’ve partnered with community banks through economic cycles, regulatory changes, and industry shifts, standing with you when it matters most.

Commitment to Community Banks

UBB is committed to:

  • Leveling the playing field with credit unions and national banks
  • Collaboration, not Competition. Our focus is to help you serve and gain more customers, not compete against you for them 
  • Strengthening community banks by enhancing the products & services they offer to their customers
  • Providing a simplified and trusted source for industry knowledge, expertise, and support

Meet Your UBB Correspondent Banking Officers

Trey Moore

Jason Pruitt

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