What's On Your Mind?

At United Bank, our goal is to serve our customers by offering the outstanding bank accounts and the best personal service in Northwest Arkansas. That means listening to your thoughts, ideas, questions, and critiques. Won't you share them with us?

If you have any questions or concerns, please let us know!

Privacy Policy

At United Bank, we value the relationships we have established with our customers; and we know that privacy in your financial transactions is at the very foundation of that relationship. We recognize the expectations of our customers, and our goal is to maintain your trust and confidence. This notice has been created to demonstrate our firm commitment to your privacy and the confidentiality of your personal information.

This policy outlines the types of information we collect, how we manage your information to better serve you, and your opportunity to make choices about how your personal information may be shared. Please take a moment to read this privacy notice. It is important to us that you understand that safeguarding your information is the priority of United Bank.

A privacy notice is provided with each new account obtained from United Bank. In addition, a copy of our policy will be sent annually to all of our current customers. If changes are made to our current information sharing practices, a new privacy notice will be sent to you. Our privacy policy is also available on our website: www.united-bk.com. This privacy notice applies to information about our current and former customers.

Customer Information We Collect & May Disclose

The purpose in collecting personal information is to efficiently provide financial products and services to meet your needs. We collect the following types of non-public personal information from various sources:

  • Identification information, such as name, address, telephone number, and Social Security number;
  • Information we receive from you on applications for loans or other forms, such as assets, income and debt that will help us determine if you are eligible for products you request;
  • Information about your transactions and account experience with us, such as account balances, payment history, account usage, and your inquiries and our responses;
  • Information we receive from a consumer- reporting agency , such as credit score and credit history;
  • Information from outside sources regarding employment, credit and other relationships that will help us determine if you are eligible for products you request, such as employment history, loan balances, property insurance coverage, and other verifications.

Customer information is used for several reasons including servicing a customer's account, processing applications, suggesting other products and services that may be beneficial to the customer, and as required by the USA PATRIOT ACT to verify your identification.

We may collect personal health information, like medical reports, for certain types of insurance policies. We do not share personal health information with anyone except as necessary to underwrite the policy, administer claims, or as otherwise requested by you or as required or permitted by law.

Safeguarding Your Information

United Bank takes the greatest care and precautions to assure you that any of the non-public information we receive is used within strict guidelines. Our employees have limited access to customer information and are permitted to access this information only when it is necessary to conduct business and complete transactions. Information is maintained by physical, electronic, and procedural safeguards in compliance with federal regulations to guard your nonpublic personal information.

Visitors to the United Bank web site will remain anonymous. We do not collect personal identifying information about visitors to our site. If you have provided identification (such as name and address) via e-mail or information request forms, the information will only be used to communicate with you to handle your request. It is not sold or transferred to other parties. Beware of phishing, pharming schemes, etc or of any attempts to steal your identity. Do not respond to e-mails requesting account numbers, PINs or passwords; we do not request these types of information from our customers via e-mail. Please call us to report these types of requests.

The United Bank web site contains links to community web sites; United Bank is not responsible for the privacy practices or the content of such web sites.

Restrictions on Sharing Information with Third Parties

It is our policy not to sell, transfer, or otherwise disclose any non-public personal information of current or former customers to outside companies, except as permitted or required by law or as authorized by you; such as:

  • The customer requests and authorizes the release of information
  • Information provided to service the customer's account
  • The information is required or permitted by law (to report fraud or criminal activity, in response to a subpoena)
  • To report to credit bureaus

We may provide customer information to outside organizations that provide us services (such as printing or mailing) or help us provide you with products or services you request (such as brokerage transactions or underwriting insurance applications). We may also provide customer information to companies that perform marketing services for us or to financial institutions with which we have joint marketing agreements. These companies are contractually obligated to keep your customer information confidential.

Information Shared Between Our Affiliated Organizations

We may share application or credit information about customers with our internal broker(s), insurance representative(s), or other affiliates because they may offer a product or service that may benefit you. However in accordance with the Fair Credit Reporting Act, you may opt out of those disclosures of nonpublic personal information collected during a consumer credit transaction. For details on how to make a "Fair Credit opt out" please see below.

Consumer's Right to Opt Out

If you prefer that we not disclose nonpublic personal information about you to nonaffiliated third parties and affiliated companies, you may opt out by directing us to not share nonpublic personal information (other than disclosures permitted by law). If you wish to opt out of disclosures to nonaffiliated third parties and/or affiliated companies, you may contact us by:

  • Calling us toll-free at (877) 516-9417 or (479) 756-8811 and asking for the Account Services Department
  • Contacting us via e-mail at wecare@united-bk.com

If you have a joint account, we will treat a request not to share nonpublic personal information by one account holder as applying only to that account holder unless the customer notifies us that he/she is acting on behalf of the other account holder(s). If you have already requested that we not share this type of customer information, there is no need to contact us.