1st united bank and trust

Welcome to First American Bank & Trust. We are a financial institution that specializes in serving you, our customer. We're focused on offering personalized. N11288 (1990 CESSNA 650 owned by FIRST UNITED BANK & TRUST CO) aircraft registration information with aircraft photos, flight tracking, and maps. For more than 150 years, First Horizon Bank has been a trusted choice for financial service and guidance. From checking accounts, savings accounts and.
1st united bank and trust
1st united bank and trust

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First United Bank

Checking Accounts

We offer account options with features designed for the way you live. 

START HERE

Mortgage

By getting to know you, we can build the right mortgage based on your needs.

START HERE

Spend Life Wisely

We’re here to change the world, one customer, one family, one community at a time.

START HERE

Your Journey to Financial Well-Being.

The path to financial security and comfort for you and your family is a journey of small steps. Do you know where you are on the path? Are you taking the right steps to get where you want to be? Let us help you find your place on the path and empower you with the resources and tools you need to keep moving forward.

  • Personal

    Steps and stages for individuals and families.

    Personal background image

    Start

    Begin your journey on strong financial footing with these important early steps.

    Grow

    The strategies you need to move forward and set yourself up for long term success.

    Enhance

    Are you on track to hit your goals? Employ these strategies to help make it happen.

    Enjoy

    You’ve worked hard to get here. Make sure your money works just as hard to keep you here.

    Secure

    Evaluate your position and create a legacy that lasts.

  • Business

    A map through the stages of healthy business growth.

    Business background image

    Develop

    Laying the groundwork and building the structure of a thriving future company.

    Start-Up

    Essential early steps in planning and finance to set your new business up for success from day one.

    Grow

    Strategies for employee and customer happiness to ensure healthy growth and a vibrant workplace.

    Enhance

    Sharpen practices and streamline operations in preparation for future expansion.

    Expand

    Reap the rewards of smart planning and execution as your business continues its ascent.

You’re one of a kind. Let’s keep it that way.

Identity theft is on the rise. Secure Checking* with IDProtect® includes powerful built-in security tools that help better protect you and your entire family1. Open your secure account today in just 1st united bank and trust minutes.

 

  • Online and Mobile Banking
  • Identity Monitoring4
  • Credit File Monitoring3,4
  • Comprehensive Identity Theft Resolution Services
  • Coverage for You and Your Entire Family
  • 3-in-1 Credit Report4
  • Identity Theft Expense Reimbursement Coverage2

 

Secure your identity, and your family.Get Started

Spend Life Wisely

Spending Life Wisely means taking small steps towards a life of love and impact. And we’re here to inspire and empower you along the way with information that educates, empowers, and inspires each person to reach their highest purpose and realize their greatest success.

  • Faith

     background image

    Treasure your faith.

    Allow God to guide your heart to a 1st united bank and trust of meaning and purpose, putting Him at the center of everything you do, inspiring you to serve others with love and compassion.

  • Financial Well-Being

     background image

    Care for your money.

    Be intentional with both your saving and spending to make the most of what you are given, gaining financial peace of mind to support yourself and those you love.

  • Health

     background image

    Invest in your wellness.

    Care for your physical, mental, and spiritual health in order to be at your best for yourself and others, living each day to its fullest.

  • Growth

     background image

    Enrich your mind.

    Never stop learning and growing so that you may realize your fullest potential, live your purpose, and achieve your greatest success.

How may we help you along your journey?

Contact Us

*  Monthly service charge of $6.95. $100 minimum opening deposit required.

1  Benefits are available to personal checking account owner(s), their joint account owners and their eligible family members subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Family Members include your spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.

2  Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions, and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of 1st united bank and trust and exclusions. Coverage is offered through the company named in the Guide to Benefit or on the certificate of insurance. Insurance products are not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.

3  Credit file monitoring may take several days to begin following activation.

4  Registration/Activation Required

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Источник: https://www.firstunitedbank.com/

Bonus Offer

Offer is valid on new accounts only. To qualify, company must spend $3,000 within the first three months of account opening to receive the bonus. 10,000 bonus points will be credited within 60 days of qualification under the description: Commercial Spend Bonus.

Earning Points

Base Rewards Tier: Earns (i) one (1) point for each dollar you spend for net retail purchases (gross retail purchases less any returns or credits), (ii) three (3) points for each dollar you spend for net retail purchases in the follow rewards category: gas stations (2 additional points on top of the 1 point per dollar earned on net retail purchases), (iii) two 1st united bank and trust points for each dollar you spend for net retail purchases in the following rewards categories: restaurants and travel (airlines, auto rental, and lodging) (1 additional point on top of the 1 point per dollar earned on net retail purchases).

Rewards Categories: Merchants who accept Visa credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making reward offers to you. We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won't qualify for rewards offers on purchases in that category.

Businesses may earn up to 10,000 points per calendar month, excluding bonus points. Points earned are available for redemption for a 3 year term. Points expiring during the year will be cleared from the Program Account on the last day of the month in which they expire.

Rewards Redemption

Businesses in the Base Rewards Tier may redeem points for (i) cash back to a First Citizens checking or savings account or credit card statement credits, (ii) credit towards a First Citizens personal loan or mortgage principal, (iii) Pay Me Back statement credits, (iv) travel rewards, including airline tickets, hotel, car rentals, cruises and tours, (v) retail gift cards and certificates and (vi) merchandise and (vii) donations.

These Terms are only a summary. Other restrictions and requirements apply. The full First Citizens Rewards® Program Rules will be provided upon enrollment and are accessible via the program website at FirstCitizensRewards.com at log in.

Program Rules are subject to change or cancellation without notice.

Источник: https://www.firstcitizens.com/

Swift Codes, also called BIC Codes, are used for International Wire Transfers. While routing number in USA are used for domestic wire transfers, swift codes are used for incoming international fund transfers. If you want to send or receive money from outside of united states to a bank account of First United Bank & Trust in USA, your bank will ask for the swift code of First United Bank & Trust.

Important:Swift Codes or BICs of First United Bank & Trust are used ONLY for International Wire Transfers. If you are doing only domestic payments then you only need routing number of First United Bank & Trust instead of swift codes.

Some International wires require an IBAN number, but bank accounts in USA do not have an IBAN. However, you need to provide ABA Routing Numberand your Account Number along with Swift Code of First United Bank & Trust to initiate International wire transfer.

First United Bank & Trust Swift Codes for International Wire Transfers

Bank SwiftFull Swift CodeBank - BranchCity

We couldn't find the Swift Code for First United Bank & Trust.It is possible that First United Bank & Trust is not connected to SWIFT network. Most of the credit unions and small banks in USA do not have the connectivity to swift network and thus does not have a Swift Code, IBAN or other international routing codes, so you can't directly receive international funds in your account with credit unions/ banks. However, there is a way around it.

How to receive International Wire Transfers if your Bank or Credit Union doesn't have a Swift Code

Don't worry! You can still receive international wire transfers. Sender's international financial institution should have a correspondent bank in the US (which acts as an intermediary bank) to which they can wire the money and then intermediary bank will send the money domestically (within USA) using aba routing numbers of First United Bank & Trust. You can find the Routing Number for First United Bank & Trust here. Note that most international wire transfers involve a fees. Please clarify with your financial institution about the total fees (sending bank + correspondent bank) before you initiate the transfer.

Alternatively, you can also use money transfer services like TransferWise for getting best currency conversion rateswith lower wire transfer fees and with no requirement of a swift code. This method can be used only for transfers upto $30,000.

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Источник: https://banks-america.com/swift-code/first-united-bank-%26-trust/

Your bank is always open.

Life gets busy, which is why we offer you a way to connect to your money when it’s convenient for you. With Online Banking you can manage your accounts from your personal computer, tablet or cell phone day or night.


You can quickly and safely:

  • Check account balances 
  • View account transaction history
  • View your check images 
  • Transfer funds between your United Bank of Iowa accounts
  • Transfer funds to your accounts at other banks by providing the bank name, routing number, and account number
  • Make loan payments
  • View and print your statement online
  • Pay bills
  • Make person-to-person electronic payments
  • Download information to Quicken™, QuickBooks® or Microsoft® Money
  • Download information to Microsoft Office products such as Excel and Word 
  • Manage your finances – categorize transactions; track budgets, spending habits, and savings goals
  • Request stop payments 
  • Send a secure message to us about questions on your accounts. 
  • Customize your landing page with the functions you want to see when you log in
  • Use Mobile Banking and Mobile Deposit* - It’s Free!


* Data and message fees may apply. Check with your wireless carrier for details.

ENROLL LOG IN

Learn More about My Finance TRACKER

Online Security

Security is critical when it comes to financial transactions. To prevent outside interference, we 1st united bank and trust high-end firewalls and exclusive encryption software. You will also have a unique access ID and password to access account information. Do not write your password down anywhere, memorize it and keep it confidential. The Secure Site Padlock lets you know your information is safe.

Frequently Asked Questions


Q: I have forgotten my password! What should I do?

A: Use the automatic Forgot Your Password feature and follow the prompts to reset it.

Q: How long will my account history remain in Online Banking?

A: You will be able to see 18 months of account history at all times.

Q: When I transfer money, when will it post to my account or loan?

A: Transfers are real-timed throughout the day and will post to your account instantly.

Q: What happens the first time I log in to Online Banking?

A: The first time you log in, you will be prompted to change your password for security reasons. Please refer to the notes provided regarding password requirements. You will then be asked a series of verification questions.

Q: My Online Banking User ID is a 12-digit number. Do I have to put that number in each 1st united bank and trust I log on?

A: No, you may use the 12-digit number the first time, but after that you can create an “alias” to use for future logins. They will ask you to create this during your enrollment process.

Q: How do I enroll in Bill Pay?

A: To enroll, simply log in to Online Banking and click the Bill Pay tab. You will select the accounts you want to pay from and set up your payees. 

Q: Whom may I pay through Bill Pay?

A: You may pay virtually anyone. Payments to an address outside the U.S. are not allowed.

Q: When are Bill Pay transactions processed?

A: For Electronic payments, allow 3–4 business days from the processing date. 

For Checks, allow 5–7 business days from the processing date.

Q: How long is Bill Pay payment history viewable online?

A: Payment history for active and deleted payees is viewable for 19 months.

Q: Can an existing payee that is already set up on Bill Pay be edited?

A: The only thing that can be edited on an existing electronic payee is the alias name on the account, and the account number. If you want to change anything else, the payee must be deleted and re-entered. On check payees all fields can be edited.

Q: Are there any fees associated with Online Banking?

A: Online and Mobile Banking services are free to our customers, however, Bill Pay fees may still apply. Data and message fees may apply from your mobile provider as well.

Источник: https://www.unitedbk.bank/online-banking

First United Bank

First United Bank is a community bank headquartered in Durant, Oklahoma that provides personal and commercial banking, investment management, insurance, and mortgage products and services to customers at more than 85 locations throughout Oklahoma and Texas. First United has recently grown from having combined assets of over $6 billion[1] to having almost $8 billion in combined assets[2]and is the 7th largest bank in its home state of Oklahoma.[3]

First United is owned by the Massey family whose patriarch is former Oklahoma state senator, John Massey.[4] Mr. Massey serves as chairman of First United, and his son, Greg Massey[5] leads the bank as chief executive officer.

The bank defines its purpose as follows: To inspire and empower others to Spend Life Wisely. First United's Spend Life Wisely philosophy encompasses four pillars: faith, financial well-being, wellness and personal development.

History[edit]

First United[6] began as Durant National Bank[7] on Oct. 2, 1900 when it first opened its doors in Blue County, Choctaw Nation Territory, which is known today as Durant, Oklahoma. In 1915, Durant National Bank absorbed eight banks in the Oklahoma region, and in 1916, constructed a new building in Durant at 2nd and Main Streets. In 1963, Durant National Bank was renamed to Durant Bank & Trust becoming one of the first banks in Oklahoma to have full trust powers. Durant Bank & Trust was then renamed to be First United Bank in 1998.[8]

Oklahoma native, John Massey joined Durant Bank & Trust in 1966 as a director, and was appointed chairman of the board in 1986. At that time, he also became the majority shareholder and CEO. Greg Massey, joined the bank in alabama one credit union contact, and succeeded his father as CEO in 2003 when the bank had 18 locations in Oklahoma. After a series of acquisitions, including the merger with American Bank of Texas in 2016,[9] First United has grown to over [10] 85 locations in Oklahoma and Texas with more than $7[11] billion in assets.

References[edit]

External links[edit]

Источник: https://en.wikipedia.org/wiki/First_United_Bank

First United Bank & Trust Review

SmartAsset's Overall Rating

3.8/5

Rates

2.8

Fees

4.2

Service Quality

3.9

Financial Health

4.4

Key Highlights

Overview

First United Bank & Trust started in 1900 and its headquarters are located in Oakland, Maryland. First United Bank & Trust handles $1 billion in assets along with deposits totaling $1 billion, which makes it a medium-size bank. First United Bank & Trust has above-average customer service access with a live chat feature, which is helpful for those that work during typical customer service hours. It is a conventional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile apps. We gave First United Bank & Trust a 3.8 stars out of 5, suggesting it is an average bank that leaves room for improvement. First United Bank & Trust has multiple product offerings, which include savings accounts, checking accounts, money market accounts, IRAs, mortgage products and credit cards. It has a fair savings rate; you can find higher rates with other banks. If you're looking for a checking account for everyday use, First United Bank & Trust's most basic checking does not have a monthly maintenance charge. Using an institution with no-fee checking and a high interest rate savings account is the best bet for gaining the most income from your deposits while maintaining convenient access to your money.

How We Rated It

SmartAsset's Overall Rating

The is a weighted average of rates, fees, service quality and financial health.Read more

When a component rating is unavailable, the overall rating is calculated as an average of the remaining available ratings.

Rates
The Rates rating represents an aggregate of interest rates for specific bank products measured against the national average interest rate for each product. Product interest rates may vary by branch. Rates shown reflect the highest available nationwide.
Fees
The Fees rating is an assessment of the bank's fees measured against the national average fee amount for particular services and is also affected by whether or not the bank refunds ATM fees.
Service Quality
The Customer Experience rating is a weighted average of the Mobile Rating and the Consumer Satisfaction Score, which is based on complaints brought to the Consumer Financial Protection Bureau (CFPB).
Financial Health
The Financial Health rating is based on the Texas Ratio, an indicator that warns of credit problems at particular banks: anything less than 5% is considered Excellent; less than 20% is Very Good; less than 50% is Good; less than 90% is Fair; and over 90% is Poor.

Rates

First United Bank & Trust has a savings rate of 0.12%, which is poor compared to other U.S. banks. Its CDs feature a rate of 0.35% and 1.20% for the one-year and five-year term lengths, respectively, while its highest-yielding 1st united bank and trust market account earns at an APY of 0.10%. Given First United Bank & Trust's noncompetitive savings rate, you should think about opting for higher earning savings accounts with other banks.

How First United Bank & Trust's Savings Rates Compare

First United Bank & TrustSavings0.12National Average0.09Compare Offers

Back to Overview

Fees

On average, First United Bank & Trust charges its customers average fees in comparison to the national average. First United Bank & Trust's checking account has no monthly fee, rating it excellent for anyone looking for a simple account. For those who will need cash in a pinch, it ally financial dealer services phone number perfect because it charges no out-of-network ATM fees. Additionally, at $42.00, it has a slightly greater overdraft fee compared to the average overdraft fee charged by U.S. banks. First United Bank & Trust unfortunately doesn't refund out-of-network ATM charges, which means you will need to locate a First United Bank & Trust ATM or accept the ATM charge.

Monthly Fee$0National Average: $3.21

Non-network ATM Fee$0National Average: $1.20

Overdraft Fee$42.00National Average: $35.00

Back to Overview

Service Quality

First United Bank & Trust is a brick-and-mortar bank, with 24 total bank locations in West Virginia. With mobile and web apps, First United Bank & Trust makes mobile banking straightforward, even on the go. First United Bank & Trust also offers a live chat feature, giving customers an easy access point throughout the day. First United Bank & Trust's online and mobile banking platforms get mediocre marks from customers. With 120 ratings on both Apple and Android platforms, the First United Bank & Trust mobile app 1st united bank and trust a 3.4 out of 5 (compared to the national average of 3.8). First United Bank & Trust's mobile app lets you manage your funds by looking at monthly statements, transferring money and reaching customer service. First United Bank & Trust receives an excellent consumer satisfaction rating based on relatively few complaints filed with the Consumer Financial Protection Bureau (CFPB), a government-backed consumer protection agency.

Overall Mobile Rating3.4/5

Consumer Satisfaction Rating5.0/5

Online Banking PortalNo

Live ChatYes

Back to Overview

Financial Health

First United Bank & Trust is currently a medium-size bank and handles assets totaling 1st united bank and trust billion as well as $1 billion in deposits. First United Bank & Trust's Texas Ratio is 13.33%, denoting that First United Bank & Trust is in good financial condition and improbable to fail. Additionally, First United Bank & Trust is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

13.33%

High Risk75%50%20%10%Low Risk

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

Back to Overview

Compare First United Bank & Trust to Other Competitive Offers

Products Offered

ProductCurrent Terms and RatesMinimum Balance for APY
Savings Account 0.12% APY $50
Checking Account 0.03% APY $1
Certificates of Deposit
  • 12 Month: 0.35% APY
  • 24 Month: 0.50% APY
  • 36 Month: 0.55% APY
  • 48 Month: 0.75% APY
  • 60 Month: 1.20% APY
$1000 for all terms
Money Market Accounts 0.1% APY 0.1% APY $10000 $15000

First United Bank & Trust has several deposit products like savings accounts, checking accounts and money market accounts that provide you with many options to manage your money. First United Bank & Trust does not have the best savings rate, which means you should think about other options for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. First United Bank & Trust's CD rates are fair as compared against the national average.

Back to Overview

Find a First United Bank & Trust Near Me

First United Bank & Trust has 24 locations in the U.S.

Back to Overview

Save more with these rates that beat the National Average

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Источник: https://smartasset.com/checking-account/first-united-bank-trust-banking-review-4857

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