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United Bank (MI)

United Bank (MI)

Popular Accounts at this Bank

0.20%SavingsPersonal High Yield Savings
0.10%SavingsStatement Savings
4.00%CheckingUBenefit Interest Checking

Overview / Commentary
900 E. Paris Ave. SE
Grand Rapids, MI 49546

United Bank (MI) is headquartered in Grand Rapids and is the 17th largest bank in the state of Michigan. It is also the 1,160th largest bank in the nation. It was established in 1903 and as of March of 2017, it had grown to 144 employees at 13 locations. United Bank (MI) has an A health rating.

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Reviews (3)

Final Results

I feel that the United Bank of Michigan met my expectations with respect to the Health Savings Account thus far. The interest rate they provide seems unbeatable to me, and the account was able to opened up without any problems. I used it already to pay a dental bill.

Update To The Review From The Day Before

I wrote a review yesterday based on information from one staff person. A different person who seems to have more authority on the HSA process told me today that opening up an HSA can be done via a combination of email and regular mail. So I'm in the process of hopefully having my application approved so that I can take advantage of the 3.25% rate. I hope the rate is accurate.

Opening An HSA Account

I was told 8.22.2013 that you can't get the HSA account unless you open up the account personally at a branch office, or if you do it online you have to have a zipcode for a location in the Grand Rapids area.


Health Grade Components

FDIC Certificate #11807
Year Established1903
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.67%
Return on Equity - YTD7.34%
Annual Interest Income$6.3MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$631.1MM$557.7MM
LoansQ1 2017vs Q1 2016$516.9MM$467.1MM
DepositsQ1 2017vs Q1 2016$480.2MM$435.6MM
Equity CapitalQ1 2017vs Q1 2016$57.3MM$53.4MM
Loan Loss AllowanceQ1 2017vs Q1 2016$5.5MM$5.3MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$2.6MM$3.3MM
Real Estate OwnedQ1 2017vs Q1 2016$968.00K$1.8MM
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United Bank (MI) Savings Account Rates

2.00%*$50k*-Individual Health Savings Account
OTHER TIERS: 0.50% Up to $1k | 0.75% $1k - $5k | 1.25% $5k - $50k
2.00%*$50k*-Family Health Savings Account
OTHER TIERS: 0.50% Up to $1k | 0.75% $1k - $5k | 1.25% $5k - $50k
0.20%*$50k*-Personal High Yield Savings
OTHER TIERS: 0.10% Up to $10k | 0.15% $10k - $50k
0.10%--Statement Savings

United Bank (MI) Checking Account Rates

4.00%*$1,200*$10kUBenefit Interest Checking
OTHER TIERS: 0.50% $75 - $300 | 1.00% $300 - $600 | 2.00% $600 - $1k | 3.00% $1k - $1,200

United Bank (MI) has 14 locations. Click to view all United Bank (MI) locations.