*Data as of Q1 2026
You do important work for the communities you serve, and your banking relationship should support that work with confidence and care. At United Bank, local decision-making, responsive service, and real public funds experience come together in a relationship that feels personal, practical, and easy to manage. We've called West Michigan home for more than 135 years, and we're proud to stand behind the organizations helping our communities move forward.
Banking Built Around You
The right banking relationship should lighten your load, not add to it. We understand the timing, responsibility, and trust that come with managing public funds — and we're here to provide steady support whenever your team needs answers, guidance, or simply a better way forward.
- Simplifies the everyday
We look for ways to reduce extra steps, improve visibility, and make everyday banking easier for your team.
- Moves with your calendar
From budget cycles and board meetings to tax season and year-end, we align our support around your key dates.
- Responds when it counts
Questions, approvals, and time-sensitive needs deserve a familiar team that can respond with clarity.
- Protects public funds
We help you weigh deposit protection, liquidity, and account structure with real public funds experience.
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Our Municipal Banking Track Record
Across West Michigan, municipalities, schools, and public entities count on United Bank for the service, stability, and local attention that make managing public funds a little easier.
Customized Accounts
We work with you to understand your unique financial needs and provide customized accounts designed to maximize your earnings. We'll even provide you with a complimentary analysis to show your anticipated annual interest and fee comparisons.
We offer a variety of solutions that feature competitive interest rates, efficient and secure fund management and streamlined transaction processes.
- Interest Checking
- Savings and CDs
- IntraFi® ICS® and CDARS®
- Lending and Bonds
Deposit Solutions
Designed to streamline your processes, improve payment options and get funds into your accounts quickly and easily.
- ACH Receivables
- Remote Deposit
- Night Drop
- Lockbox Services
Payment Solutions
Whether you need to pay an invoice, set up a recurring payment, or move funds between accounts, you can do it all electronically.
- ACH Payments
- Online Payments
- Wire Transfers
- Credit Cards
Security Solutions
Take advantage of our security services to help detect and prevent fraud, secure your accounts and give you peace of mind.
- Positive Pay
- Email and Text Alerts
- Dual Control
- Security Tokens
What our Clients have to say
“Wayland Township has used United Bank for our banking needs for several years. We have never had a bad experience in all the years we've banked with them. Whenever we have a question or a need they are quick to respond, and all of the staff we've worked with are very professional and friendly. We love working with United Bank!” – Wayland Township
“West Ottawa Public Schools has been thrilled with the service of the Treasury Management team at United Bank. The United Bank team is rooted in the local community and has a heart to serve the students and taxpayers at West Ottawa Public Schools. The district has been able to receive immediate responses regarding investment options, both short-term and long-term. United Bank has been transparent and flexible in developing a safe and viable solution, to meet the district's cash management needs. Thank you for all you do to support the West Ottawa Public School's business office.” – West Ottawa Public Schools
“For over 15 years we’ve trusted United Bank and worked with them for our banking needs. Their expertise and services for managing municipal funds along with their personal commitment, sets them apart as a bank that truly cares about our business. I can always count on them to be available and a resource when I need them.” – Rockford Housing Commission
Getting Started with United Bank
We know switching banks can feel like a big step, and we’re here to make it easier. Our team works alongside yours every step of the way, offering guidance, training and support to make the transition as smooth and manageable as we can.