United Business Bank

United Business Bank is a bank offering business and personal banking to clients in California, Colorado, Nevada, New Mexico and Washington. The bank is a member of the FDIC and an Equal Housing Lender, and it holds a 5 Star rating from Bauer, which it describes as the highest possible rating for a financial institution. BauerFinancial ratings are independent assessments of a bank's financial strength, which depositors and business clients often consult when choosing where to hold funds.

For businesses, United Business Bank offers several checking and savings accounts, money market accounts, CDs and CDARS, alongside lending products such as term loans, equipment financing, commercial real estate and construction loans, SBA 7(a) and 504 loans and USDA Business and Industry loans. Cash management services such as ACH, wire transfers, remote deposit, positive pay, lockbox and courier services sit alongside business lines of credit, asset-based credit, letters of credit and credit cards. Together, these products support the company's stated aim of helping clients manage cash flow, manage debt and grow their businesses. For individuals, the bank offers personal checking and savings, IRAs, health savings accounts, online and mobile banking, and debit and credit cards.

The bank also operates a Labor Services Division, reflecting its stated attention to the needs of both labor and business communities. United Business Bank was conceived on the idea that clients deserve access to decision-makers and relationships with bank contacts who bring knowledge that can advance their business goals, an emphasis on relationship banking that is common among community and regional business banks. Its mission statement sets out speed of execution for clients, pride and appreciation for employees, and financial performance for investors.