Providing the banking industry’s most comprehensive offering of de novo correspondent services. Let’s be honest, starting a new bank is not an easy task. The list of requirements to get established is long and at times can seem daunting. That’s where having the right correspondent partner like United Bankers’ Bank can make all the difference. Since 1975, as the nation’s first bankers’ bank, UBB has been helping de novo bank organizers efficiently and cost effectively streamline the process from inception to doors open. No other correspondent provides a more comprehensive offering of de novo banking services than UBB. From a correspondent operational account and escrow services, to lending, insurance, investment, human resources, compliance services and more, UBB has the solutions, expertise and dedicated customer service to ensure the organizational process goes smoothly and your de novo bank is successful. At UBB, community banks and correspondent banking is what we know and are the best at in the industry. When de novo bank organizers work with UBB, they are working with and have the full attention of the entire bank and not just a correspondent banking department like a lot of the other providers in the industry. De Novo Correspondent Services Provided by United Bankers’ Bank: Escrow Services Providing de novo organizers with a secure and efficient way to manage their fund subscriptions. Service includes the following: Escrow Accounts Escrow Reporting Payment Processing Escrow Funds Management Operational Services Operational and bookkeeping services backed by a committed team of customer service experts. We’ll work with you to develop a plan that fits needs of your institution, while delivering operational services that will ensure your back room operations are efficient and cost effective. Correspondent Operational Account Cash Letter Clearing & Settlement Imaged Canadian Cash Letter Processing Deposit Services Wire Services International Payment Services ACH Services Online Transaction Archiving Currency Orders Online Banking Fed Funds Services UBB is a regional Fed Funds market maker, paying market premium rates to community banks looking to sell their excess funds. Services include: Fed Funds Line of Credit Sell overnight Fed Funds Purchase excess Fed Funds Automatic account sweeps Excess Balance Account (EBA) access Lending Services Team of correspondent lending experts that will take the time to understand all of the variables of your credit needs and will work with you to provide the financing solutions your bank needs to be successful. Participation Loans (Bought and Sold) Bank Stock Financing Organizational Lines of Credit Directors and Executive Officer Loans Investment Services* Portfolio, liquidity and asset liability management services to efficiently manage your bank’s investment portfolio. Securities Trading and Sales Asset Liability Management Services Investment Portfolio Accounting Securities Custody Services Online Securities Management and Escrow Services Compliance Services UBB Compliance Services provides solutions designed specifically for community banks and are supported by industry trained compliance experts. Regardless of the level of compliance support you need, we have a solution that is right for your institution. Compliance Review Website Review Policy Review and Development Advertisement and Disclosure Review Compliance Hotline Compliance Training Remote Consultant Human Resources Consulting Services Often times, newly organized community banks don’t always have the resources available to hire a full-time human resource professional, leaving complicated employment laws to other bank employees to interpret in addition to their countless other responsibilities. UBB’s USource human resources consulting service understands the HR needs of community banks new and old, large and small and provides a suite of services designed specifically for them and includes the following: Toll-Free HR Hotline Employee Handbook Development & Updating Affirmative Action Plan Development Educational Resources and Employee Assessments Insurance Services* We have the ability to leverage our vast number of customer relationships, to negotiate discounted prices with major insurance wholesalers and carriers and in turn pass those savings onto community banks. Providing a comprehensive selection of policies, ensuring your bank has the proper insurance and coverages needed. Bank insurance policies provided include: Cyber Insurance Force Placed Insurance (CPI) Directors and Officers Insurance Bank Hazard Insurance Flood Certifications Bond Insurance And more Marketing Services You’ve received your approval, organized your charter and reached your capital goals. Now you need to acquire customers. Enter UBB Marketing Solutions. United Bankers' Bank has partnered with intelligent data marketing solutions provider, WordCom to provide community banks with access to a suite of marketing solutions that will assist you in acquiring new customers, deposits and loans in addition to programs that will enhance the customer engagement and onboarding processes. These marketing programs are intelligent and highly strategic solutions designed to identify and acquire the right customers at the right time and with the right product for your community bank. Some of the programs available that are perfect for de novo banks looking to jumpstart their customer acquisition goals include: Retail Household & Deposit Acquisition Loan Acquisition Small Business Acquisition New Mover Programs Traffic Builders Customer Onboarding & Cross Sell Programs Market Research Thinking of where to place your first branch location or the next one? UBB’s bank valuation division, BankValue provides community banks with a host of trusted insight and services to assist them in making sound, strategic decisions. BankValue’s services include: Market Research and Deposit Projections Bank Stock Valuations Business Valuations of SBA Loans Ready to start a conversation? Click the button below to take the next step in simplifying the de novo organization process. *Note: The indicated products and services represented are not insured by the FDIC or any other federal government agency, are not deposits of or guaranteed by the Bank or any Bank affiliate, and may lose value. Contact UBB