No stored Google rating available.
FDIC-insured bank offering personal and business checking, savings, loans, and cash management services across California, Colorado, Nevada, New Mexico, and Washington.
Data compiled from public sources
United Business Bank is a regional FDIC-insured bank that serves both personal and business customers across five western states: California, Colorado, Nevada, New Mexico, and Washington. The bank positions itself as particularly focused on labor and business communities, emphasizing experience context in financial protection, savings strategies, and lending solutions tailored to these segments. The bank offers a comprehensive suite of products including personal checking and savings accounts, business checking and savings accounts, certificates of deposit (CDs), individual retirement accounts (IRAs), health savings accounts, and various loan products.
For business customers, they provide SBA 7(a) and 504 loans, equipment financing, commercial real estate loans, construction loans, and business lines of credit. Their cash management services include ACH services, wire transfers, remote deposit, merchant card processing, lockbox services, and positive pay. Personal customers can access mobile banking, online bill pay, debit cards, and statewide ATMs.
United Business Bank distinguishes itself through listed services for labor unions and business communities, offering a dedicated Labor Services Division. 56% APY, the "U Matter Business Express Loan" program, and Simply Checking accounts with waived monthly maintenance fees for online banking enrollees. The bank emphasizes accessibility, LIVE banking (account opening from anywhere), and mobile banking capabilities.
As a regional bank, United Business Bank serves a specific geographic footprint rather than operating nationally. While they offer rate claims to verify and listed business services, customers outside their five-state service area cannot access their products. The bank's website indicates it is 5-star rated by Bauer and maintains FDIC insurance protection, though specific loan terms, APR ranges, and detailed account fee structures are not fully disclosed on the homepage.
This is state-level context for Banks consumers in Walnut Creek, CA. It does not confirm that United Business Bank or this specific location is licensed.
State regulator
California Department of Financial Protection and Innovation (DFPI)
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
United Business Bank offers 13 services including Business Checking (multiple tiers including Simply Business Checking and Interest Checking), Personal Checking (including Exclusive 50 Checking and Personal Interest Checking), Business and Personal Savings Accounts, Money Market Accounts (business and personal), Certificates of Deposit (CDs) with CDARS option, and 8 more.
United Business Bank has profile signals associated with Small business owners seeking SBA-backed financing in western states, Labor union members and business professionals in the bank's service area, Business owners needing comprehensive cash management and commercial lending solutions, Personal customers seeking competitive savings rates and mobile banking convenience.
Key strengths: FDIC-insured deposits backed by full faith and credit of U.S. Government; Offers SBA 7(a) and 504 loans for small business growth; listed Labor Services Division for union and labor communities. Areas to consider: Limited geographic footprint—only serves California, Colorado, Nevada, New Mexico, and Washington; Specific APR ranges, loan terms, and complete fee schedules not clearly disclosed on website.
In the Banks category, comparable providers include Commercial Bank of California (Formerly Community Bank of the Bay), East West Bank, LendingClub. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
United Business Bank is profile signals for small business owners, labor community members, and personal customers located in California, Colorado, Nevada, New Mexico, or Washington seeking FDIC-insured banking with rate claims to verify and listed business lending. The main caveat is geographic limitation—the bank does not serve customers outside its five-state region, and detailed fee and rate information requires direct contact or account opening.
Commercial Bank of California (formerly Community Bank of the Bay) is a regional bank offering checking, savings, and business banking services to California consumers and small businesses.
Google rating from 7 reviews
Profile signals: California-based consumers seeking regional banking relationships with local decision-making, Small business owners preferring community bank service models over national chains
FDIC-insured bank offering personal and commercial banking, home loans, wealth management, and international trade solutions with multilingual support.
Google rating from 21 reviews
Profile signals: Bilingual/multilingual customers seeking banking services in their preferred language, Small business owners and entrepreneurs needing SBA loans and commercial banking services
LendingClub is a digital marketplace bank offering personal loans up to $60,000, auto refinancing, and award-winning checking/savings accounts with no physical branches.
Google rating from 4,720 reviews
Profile signals: Borrowers with good-to-excellent credit seeking competitive personal loan rates, Credit card debt consolidators looking for fixed-rate alternatives
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