Business Details
39 Years
experience
Your Trusted Community Bank in Fresno, CA
Founded in 1987, United Security Bank operates as a state-chartered independent community bank headquartered in Fresno, California. As a wholly-owned subsidiary of United Security Bancshares (NASDAQ: UBFO), we maintain 13 branches, three loan centers, and multiple ATMs across Fresno, Madera, Kern, and Santa Clara Counties. Our team of over 110 professionals delivers tailored banking solutions to businesses, professionals, and individuals throughout the Central San Joaquin Valley. We specialize in commercial real estate, construction lending, and small business financing, complemented by comprehensive deposit products including checking, savings, and time deposit accounts. Our commitment to community banking principles ensures prompt decision-making, personalized service, and deep local market expertise.Through mobile banking, online bill payment, and advanced cash management tools, we provide modern financial solutions while maintaining traditional values. Our independent structure enables direct access to decision-makers and rapid response times unmatched by larger institutions. With decades of local experience, we understand the unique challenges facing regional businesses and offer specialized expertise to address them. Our FDIC-insured services combine security with convenience through 24/7 ATMs, remote deposit capture, and dedicated customer support. Recognized for regulatory excellence and community involvement, we remain steadfast in our mission to enhance shareholder value while supporting the economic growth of our service areas.
Services
Business Checking Accounts
Personal Loans
Online Banking
Commercial Real Estate Loans
Safe Deposit Boxes
Mobile Banking
Cash Management Services
Certificate of Deposit
Remote Deposit Capture
24-Hour ATMs
Details
- Year established: 1987
Highlights and features
- We offer over 35 years of local banking expertise in the Central San Joaquin Valley
- Our independent structure enables rapid loan approval decisions made locally
- We maintain FDIC insurance for all deposit accounts up to legal limits
- We specialize in tailored commercial real estate and small business financing
- We provide 24/7 access to banking services through secure online and mobile platforms
Associations and certifications
- FDIC
Services
Business Checking Accounts
Our business checking solutions include multiple account options like Business Analysis Account and Money Market Checking Account. These accounts offer cash management features, remote deposit capture, and tailored fee structures for businesses of all sizes. Designed for companies seeking efficient transaction management with access to comprehensive banking services.
Commercial Real Estate Loans
Specialized financing for commercial property acquisition, development, and construction projects. Our local loan officers provide personalized solutions with competitive rates and rapid approval processes. Ideal for businesses needing property financing with flexible terms and expert guidance.
Online Banking
24/7 access to account management through secure online platforms. Features include bill payment, fund transfers, e-statements, and remote deposit capture. Designed for both personal and business users requiring convenient, real-time financial management tools.
Safe Deposit Boxes
Secure storage options available in multiple sizes at all branch locations. Protect important documents, valuables, and family heirlooms with annual rental agreements. Requires advance payment and offers protection against theft, fire, and natural disasters.
Personal Loan Programs
Flexible lending options including secured loans against savings/CDs and unsecured loans starting at $15,000. Competitive rates with terms tailored to individual credit profiles. Available for personal financial needs with quick approval processes.
Questions
What banking services are available online?
Our online banking platform offers account management, bill payment, fund transfers, e-statements, and remote deposit capture for both personal and business accounts.
How quickly are loan applications processed?
Local decision-making enables rapid loan approvals, with commercial applications typically processed within 3-5 business days depending on complexity.
Are my deposits FDIC insured?
Yes, all deposit accounts are FDIC insured up to applicable limits, providing security for both personal and business funds.
What safe deposit box sizes are available?
We offer multiple safe deposit box sizes at all branch locations to accommodate various storage needs, from document protection to valuable storage.
Do you offer 24-hour banking services?
Yes, our ATMs provide 24/7 access to cash withdrawals, deposits, and account information with full-service capabilities.
What areas do you serve?
We serve Fresno, Madera, Kern, and Santa Clara Counties with 13 branches and multiple ATMs throughout the Central San Joaquin Valley.
