United Bancorporation of Alabama Inc. (UBAB)

Overview

United Bancorporation of Alabama, Inc. stands as the parent company for United Bank, a financial institution dedicated to offering comprehensive banking services. Founded in 1904 and headquartered in Atmore, Alabama, the organization prides itself on a rich history of serving its community's banking needs. Through its subsidiary, United Bank, the corporation strives to provide a wide array of financial products and services designed to meet the demands of both individual and business clients.

Products and Services

• Checking and Savings Accounts: These fundamental banking services offer individuals and businesses the opportunity to manage daily financial operations, save money over time, and earn interest on deposits.
• Certificates of Deposit and Individual Retirement Accounts: For those looking to invest their money with a fixed return rate over a specified period, these investment products are designed to meet long-term savings goals and retirement planning needs.
• Small Business Programs and Business Solutions: Tailored to support the growth and operational efficiency of small businesses, these programs offer specialized accounts, lending options, and business-centric services to help companies thrive.
• Merchant Services and Cash Management Services: Essential for businesses seeking streamlined payment processing solutions and sophisticated cash management tools to optimize their financial operations.
• Lending Services: Covers a broad spectrum of loan products including personal loans for individual needs, business loans for corporate expansion, lines of credit for flexible borrowing, and equipment loans for purchasing necessary machinery or technology.
• Real Estate Loans and Agricultural Credits: Supports the agricultural community and other sectors with real estate loans for purchasing property and working lines of credit to fund ongoing operational expenses.
• Overdraft Services: Provides a safety net for clients to avoid insufficient funds incidents by allowing transactions to be covered even when account balances fall short.
• Debit Cards, Prepaid Cards, Visa Credit Cards, and Gift Cards: These payment solutions cater to a variety of spending needs and preferences, offering convenience and security for everyday transactions and gift-giving occasions.
• Safe Deposit Boxes: Offer a secure environment for the storage of valuable items and important documents, ensuring peace of mind for clients concerned with safety and privacy.
• Additional Convenience Services: Including check cashing, remote deposit, mobile check deposit, and personal storage compartments, these services are designed to offer clients flexibility and convenience in managing their financial transactions.
• Web Payment Options, Insurance Products, Investment and Brokerage: Provide clients with modern web payment solutions, insurance options for various needs, and investment/brokerage services for building and managing wealth.
• Online and Mobile Banking Services: To meet the needs of the modern banking client, online and mobile banking capabilities allow for the management of accounts, payments, and financial planning from virtually anywhere, at any time.