United Security Bancshares Inc. (UBFO)

Overview

United Security Bancshares functions as the holding entity for United Security Bank, a bank chartered on a state level dedicated to providing a wide spectrum of commercial banking offerings. Serving both the business/professional sectors and individual clients within California, it stands on a foundation of delivering tailored financial solutions since its inception in 1987. With a head office located in Fresno, California, United Security Bancshares has carved out a distinctive presence in the regional banking landscape, amalgamating traditional banking virtues with strategic innovation to cater to its diverse clientele.

Products and Services

• Deposit Products:

  United Security Bancshares caters to a broad range of client needs with an array of deposit products. These include personal and business checking accounts, geared towards facilitating daily financial transaction needs with ease. Savings accounts serve those looking to safeguard their future, while interest-bearing negotiable order of withdrawal accounts offer a blend of checking account flexibility with the interest earnings of savings accounts. Money market accounts provide higher interest rates based on balance tiers, and time certificates of deposit are available for customers seeking fixed-rate investment opportunities over various terms.

• Loan Services:

  The bank's loan offerings are comprehensive, covering real estate mortgage loans for individuals and families looking to buy or refinance homes. Commercial and industrial loans support business operations and expansion, whereas real estate construction and development loans fuel the growth of the commercial property sector. Additional loan services include consumer loans for personal needs, agricultural loans supporting the primary sector, installment loans facilitating large purchases, and student loans aiding in education advancement.

• Digital Banking:

  Embracing technological advancements, United Security Bancshares offers online and mobile banking services. These platforms provide customers 24/7 access to their accounts, enabling them to perform a variety of transactions, from balance checks to fund transfers, remotely and securely. The convenience of digital banking is complemented by additional services such as safe deposit boxes for valuables, wire transfers for swift fund movement, and payroll direct deposit facilities streamlining the payment process for businesses.

• Additional Services:

  Apart from core banking and loan products, United Security Bancshares also provides a suite of ancillary services tailored to enrich the customer banking experience. These include issuing cashier's checks for secured payment transactions, managing cash through comprehensive cash management services, and offering money orders and foreign draft services for international transactions. Automated and interactive teller machines enhance banking convenience, while person-to-person and bank-to-bank transfer services offer easy and efficient ways for consumers to manage their funds.