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United Security Bank Review

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United Security Bank Savings
0.15% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations

Overview

United Security Bank first started operating in 1987 with its headquarters in Fresno, California. It manages $805 million in assets and deposits totaling $689 million, making it a medium-size bank. United Security Bank 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 traditional brick-and-mortar bank with in-person service, in addition to its online and mobile apps. On the whole, United Security Bank is a solid pick to be your bank, with a score of 4.3 out of 5 stars from our team. United Security Bank has a complete array of banking products, which include savings accounts, checking accounts, money market accounts, CDs, IRAs and mortgage products. United Security Bank has a fair savings rate; you can find higher rates with other banks. If you're looking for a checking account for everyday use, United Security Bank's most basic checking account does not carry a monthly fee. Locating a bank with free checking, in addition to a high interest rate savings account is the best bet for getting the highest income from your deposits while maintaining easy access to your money.

How We Rated It

SmartAsset's Overall Rating

4.3/5
National Average: 4.1

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

Rates

3.1
SmartAsset Average: 3.5

United Security Bank has a savings rate of 0.15%, which is poor in comparison to the national average. United Security Bank's one-year and five-year term lengths CDs earn at a rate of 0.45% and 1.31%, respectively, while its highest-yielding money market account earns at a rate of 0.10%. Given its poor savings rate, you should consider opting for higher earning savings accounts with other banks.

How United Security Bank's Savings Rates Compare

United Security Bank Savings 0.15 National Average 0.26 Compare Offers
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Fees

5.0
SmartAsset Average: 4.4

United Security Bank has generally extremely low fees compared to other U.S. banks. With no monthly fee, United Security Bank is perfect for people who want a simple checking account. Also, at $30.00, it has a considerably lower overdraft fee compared to the average U.S. overdraft fee. United Security Bank unfortunately does not refund out-of-network ATM charges, meaning you will be required to find a United Security Bank ATM or accept the cost of withdrawal.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee $30.00 National Average: $35.00
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Service Quality

4.4
SmartAsset Average: 3.7

United Security Bank is a brick-and-mortar bank, with 13 total bank locations in California. With mobile and web apps, United Security Bank makes mobile banking easy, even on the go. It does not provide access to all-day customer service with actual service representatives. You can get help during its customer service hours, which are Monday through Friday and 8:00 a.m. to 5:00 p.m. PT. United Security Bank also offers a live chat feature, a helpful way to reach a representative during the work day. United Security Bank receives relatively good ratings from customers for its mobile platform. The United Security Bank mobile app scored a 4.4 out of 5 (out of 34 reviews on Apple and Android) compared to the national average of 3.8. You can utilize United Security Bank's app to manage your bank accounts by checking current statements, transferring funds as well as accessing customer service. United Security Bank receives a superb consumer satisfaction score due to comparatively few consumer complaints reported to the Consumer Financial Protection Bureau (CFPB), a government financial agency that protects consumers in the financial sector.

Overall Mobile Rating 4.4/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat Yes
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Financial Health

4.6
SmartAsset Average: 4.8

United Security Bank is currently a medium-size bank and owns assets totaling $805 million as well as $689 million in deposits. United Security Bank's Texas Ratio is 9.68%, indicating a small likelihood of failure. Additionally, United Security Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

9.68%
High Risk 75% 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.

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Compare United Security Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.15% APY $1
Checking Account 0.1% APY $1
Certificates of Deposit
  • 12 Month: 0.45% APY
  • 24 Month: 0.70% APY
  • 36 Month: 0.85% APY
  • 48 Month: 1.11% APY
  • 60 Month: 1.31% APY
$1000 for all terms
Money Market Accounts 0.1% APY 0.1% APY $10000 $15000

United Security Bank offers several deposit products like savings accounts, checking accounts, money market accounts and CDs to give you many options to manage your money. United Security Bank 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. United Security Bank's CD rates are fair compared to the average U.S. bank.

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Find a United Security Bank Near Me

United Security Bank has 13 physical locations in the U.S.

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