United Bank (MI)

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

United Bank (MI) is headquartered in GRAND RAPIDS and is the 18th largest bank in the state of Michigan. It is also the 1,058th largest bank in the nation. It was established in 1903 and as of September of 2023, it had grown to 154 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 - YTD0.95%
Return on Equity - YTD10.06%
Annual Interest Income$29.3MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$939.1MM$876.6MM
LoansQ3 2023vs Q3 2022$737.4MM$658.6MM
DepositsQ3 2023vs Q3 2022$785.8MM$746.3MM
Equity CapitalQ3 2023vs Q3 2022$88.9MM$82.7MM
Loan Loss AllowanceQ3 2023vs Q3 2022$8.3MM$8.2MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$668K$301K
Real Estate OwnedQ3 2023vs Q3 2022$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

United Bank (MI) Savings Account Rates

0.30%*$100k*-Business High Yield Savings
OTHER TIERS: 0.05% Up to $50k | 0.10% $50k - $75k | 0.20% $75k - $100k
0.15%*$100k*-Personal High Yield Savings
OTHER TIERS: 0.05% Up to $50k | 0.10% $50k - $100k
0.10%$5-Savings Club
0.05%-- Savings
0.05%--Business Savings

United Bank (MI) Checking Account Rates

3.00%*$1.5k*$10kUBenefit Interest Checking
OTHER TIERS: 0.01% Any amount | 0.25% $100 - $500 | 1.00% $500 - $1.5k
0.10%*$75k*-Business High-Yield Checking
OTHER TIERS: 0.05% Up to $75k
0.10%*$75k*-High-Yield Checking
OTHER TIERS: 0.05% Up to $75k


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