Providing the banking industry’s most comprehensive offering of de novo correspondent services.
Let’s be honest: Starting a new bank is not easy. The list of requirements to get established is long and, at times, can seem daunting. That’s where having the right correspondent partner like United Bankers’ Bank can make all the difference. Since 1975, as the nation’s first bankers’ bank, UBB has been helping de novo bank organizers efficiently and cost-effectively streamline the process from inception to doors open.
No other correspondent provides a more comprehensive offering of de novo banking services than UBB. From correspondent operational account and escrow services to lending, insurance, investment, human resources, compliance services, and more, UBB has the solutions, expertise, and dedicated customer service to ensure the organizational process goes smoothly and your de novo bank is successful.
At UBB, we know and excel at community banks and correspondent banking. When de novo bank organizers work with UBB, they are working with and have the full attention of the entire bank, not just a correspondent banking department like many other providers in the industry.
De Novo Correspondent Services Provided by United Bankers’ Bank:
Escrow Services
Providing de novo organizers with a secure and efficient way to manage their fund subscriptions. Service includes the following:
- Escrow Accounts
- Escrow Reporting
- Payment Processing
- Escrow Funds Management
Operational and bookkeeping services backed by a committed team of customer service experts. We’ll work with you to develop a plan that fits the needs of your institution while delivering operational services that will ensure your backroom operations are efficient and cost-effective.
- Correspondent Operational Account
- Cash Letter Clearing & Settlement
- Imaged Canadian Cash Letter Processing
- Deposit Services
- Wire Services
- International Payment Services
- ACH Services
- Online Transaction Archiving
- Currency Orders
- Online Banking
UBB is a regional Fed Funds market maker, paying market premium rates to community banks looking to sell their excess funds. Services include:
- Fed Funds Line of Credit
- Sell overnight Fed Funds
- Purchase excess Fed Funds
- Automatic account sweeps
- Excess Balance Account (EBA) access
A team of correspondent lending experts will take the time to understand all of the variables of your credit needs and will work with you to provide the financing solutions your bank needs to be successful.
- Participation Loans (Bought and Sold)
- Bank Stock Financing
- Organizational Lines of Credit
- Directors and Executive Officer Loans
Portfolio, liquidity, and asset liability management services to efficiently manage your bank’s investment portfolio.
- Securities Trading and Sales
- Asset Liability Management Services
- Investment Portfolio Accounting
- Securities Custody Services
- Online Securities Management and Escrow Services
UBB Compliance Services provides solutions designed specifically for community banks and are supported by industry trained compliance experts. Regardless of the level of compliance support you need, we have a solution that is right for your institution.
- Compliance Review
- Website Review
- Policy Review and Development
- Advertisement and Disclosure Review
- Compliance Hotline
- Compliance Training
- Remote Consultant
Oftentimes, newly organized community banks don’t always have the resources available to hire a full-time human resource professional, leaving complicated employment laws to other bank employees to interpret in addition to their countless other responsibilities. UBB’s USource human resources consulting service understands the HR needs of community banks, new and old, large and small, and provides a suite of services designed specifically for them and includes the following:
- Toll-Free HR Hotline
- Employee Handbook Development & Updating
- Affirmative Action Plan Development
- Educational Resources and Employee Assessments
We have the ability to leverage our vast number of customer relationships to negotiate discounted prices with major insurance wholesalers and carriers and, in turn, pass those savings onto community banks. Providing a comprehensive selection of policies ensures your bank has the proper insurance and coverages needed. Bank insurance policies provided include:
- Cyber Insurance
- Force-Placed Insurance (CPI)
- Directors' and Officers' Insurance
- Bank Hazard Insurance
- Flood Certifications
- Bond Insurance
- And more
You’ve received your approval, organized your charter, and reached your capital goals. Now, you need to acquire customers. Enter UBB Marketing Solutions. United Bankers' Bank has partnered with intelligent data marketing solutions provider WordCom to provide community banks with access to a suite of marketing solutions that will assist you in acquiring new customers, deposits, and loans, in addition to programs that will enhance customer engagement and onboarding processes.
These marketing programs are intelligent and highly strategic solutions designed to identify and acquire the right customers at the right time and with the right product for your community bank. Some of the programs available that are perfect for de novo banks looking to jumpstart their customer acquisition goals include:
- Retail Household & Deposit Acquisition
- Loan Acquisition
- Small Business Acquisition
- New Mover Programs
- Traffic Builders
- Customer Onboarding & Cross Sell Programs
Ready to start a conversation?
Click the button below to take the next step in simplifying the de novo organization process.
*Note: The indicated products and services represented are not insured by the FDIC or any other federal government agency, are not deposits of or guaranteed by the Bank or any Bank affiliate, and may lose value.