FDIC-insured regional bank offering personal and business checking, savings, loans, and credit cards with local branches in Arkansas.
Data compiled from public sources · Rating from CreditDoc methodology
United Bank operates as a full-service community bank with FDIC insurance backing, positioning itself with the tagline "Dream Big. com. The bank offers a comprehensive suite of products across three main categories: deposit accounts (checking, savings, money market, CDs, IRAs), lending products (personal loans, auto loans, home mortgages, home equity loans, business loans, commercial real estate loans, and business lines of credit), and credit cards for both personal and business use.
They also provide digital banking services including mobile wallet, Zelle transfers, fraud management tools, and identity theft protection through ID TheftSmart. " They offer specialty checking accounts through Kasasa (Kasasa Cash, Cash Back, and Tunes checking) that provide cash rewards and earnings credits. Their checking account options are segmented across multiple tiers including UB Fundamental and UB Grand accounts, with separate product lines for business customers.
The bank functions as a traditional brick-and-mortar financial institution with digital-first conveniences.
United Bank processed 3,983 mortgage applications in 2023, approving 73.3% of applicants across 22 states.
3,983
Applications
73.3%
Approval Rate
$333K
Avg Loan
22
States Served
Based on 3,983 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
United Bank offers 14 services including Personal checking accounts (Kasasa Cash, Kasasa Cash Back, Kasasa Tunes, UB Fundamental, UB Grand), Personal savings accounts (Kasasa Saver, UB Savings, Kids Club, Christmas Club, Money Market Max), Certificates of Deposit (CDs) for personal and business, Individual Retirement Accounts (IRAs), Personal loans and personal term loans, and 9 more.
United Bank is best suited for Arkansas residents seeking local relationship banking with FDIC protection, Small business owners needing comprehensive business checking and lending services, Customers wanting cash-back rewards from checking accounts through Kasasa products, Individuals seeking one-stop banking for deposit, loan, and credit card needs.
Key strengths: FDIC-insured deposits backed by full faith and credit of U.S. Government; Comprehensive product suite including checking, savings, loans, and credit cards under one roof; Kasasa reward checking accounts offering cash rewards and earnings credits. Areas to consider: Limited geographic footprint (only Arkansas locations mentioned) restricts accessibility for non-regional customers; Website does not display interest rates, APY, fees, or loan terms publicly, requiring customers to contact bank directly.
In the Banks category, comparable providers include Anstaff Bank, Arvest Bank, Bank Ozk. Each company has different strengths — compare services, pricing, and consumer complaint records to find the best fit.
CreditDoc Diagnosis
United Bank is best for Arkansas residents and small business owners seeking comprehensive banking services from a community-focused FDIC-insured bank with local branches. Primary caveat: the bank's regional limitation and lack of publicly displayed rates/fees require direct contact with the bank before account opening or loan application, and larger national banks may offer more competitive rates or advanced digital features.
Anstaff Bank is a traditional bank operating since 1931, offering personal and business banking services including online bill pay, Zelle money transfers, and account management.
Best for: Customers seeking a traditional bank with physical branch locations and online convenience, Small business owners needing dedicated business banking and credit card services
Arvest Bank is a community-based financial institution serving Arkansas, Kansas, Missouri, and Oklahoma with checking, savings, mortgages, business services, and wealth management solutions.
Best for: Residents of Arkansas, Kansas, Missouri, or Oklahoma seeking comprehensive local banking relationships, Small to mid-sized businesses needing integrated cash management and receivables solutions
Bank OZK is a full-service bank offering personal and business banking, mortgages, and wealth management with 24/7 online and mobile banking access.
Best for: Customers seeking 24/7 digital banking access with competitive CD rates, Agricultural businesses and associations needing specialized lending services
Answer 3 quick questions to see if this provider matches your needs.
1. What's your primary financial goal?
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