When the founders of UBB gathered together in 1975, they faced a serious threat. New branching laws meant that the major systems banks were invading their hometowns, competing for their best retail and commercial customers. As one founder so eloquently put it at the time, "we were doing business with the enemy!"

A new correspondent bank was needed that would be owned and managed by community banks, and would focus only on their best interests. Their vision: level the competitive playing field with systems banks by providing community banks with a full range of innovative correspondent services secure in the knowledge that nobody would ever come after their customers.

For more than four decades now, the same spirit of innovation and single-minded commitment to community banking that spawned the first bankers' bank lives on in the corporate DNA of United Bankers' Bank and our commitment to each and every one of our customers.

UBB operates under the direction of bankers like you. More than 345 shareholder banks with billions of dollars in combined assets have invested in UBB. When you turn to us for correspondent services, you are tapping into a tremendous pool of community bank strength, experience and common sense.

Our staff also mirrors the exceptional talents and experiences of our community bank customers. Before coming to us, many UBB employees worked in a community bank environment or at other correspondent banks. Others served community banks in highly respected financial service organizations or in major regulatory agencies. We understand the "heartbeat" of community banking, the strength of a handshake. In other words, we're one of you!

We hope you'll take a minute to browse our website and discover for yourself what First for Your Success is all about. Our entire team is committed to providing community bankers with access to valuable resources, innovative products and services; all supported by expert industry consultation and personalized customer service. United Bankers' Bank is working every day to ensure community banks are competitive and successful in the communities they serve.

We've designed the ubb.com website to be a true resource for community bankers and in doing so, extensive attention was placed in ensuring the user experience of all visitors is as positive as possible. So look around. Hopefully you'll add us to your favorites.