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Thursday, June 20, 2024

United Bank Delivers Leading-Edge Credit Card Products to Consumers and Businesses in New England While Maintaining a Personal Touch

United Bank Delivers Leading Edge Credit Products In New England
Adam West

Written by: Adam West

Adam West
Adam West

Adam corresponds with finance experts to publish industry news coverage related to helping consumers achieve greater financial literacy and improved credit. He has more than 12 years of storytelling, editing, and design experience in print and online journalism and is most knowledgeable in the areas of credit scores, financial products and services, and the banking industry.

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Edited by: Lillian Guevara-Castro

Lillian Guevara-Castro
Lillian Guevara-Castro

Lillian Guevara-Castro brings more than 30 years of editing and journalism experience to the CardRates team. She has written and edited for major news organizations, including The Atlanta Journal-Constitution and the New York Times, and she previously served as an adjunct journalism instructor at the University of Florida. Today, Lillian edits all CardRates content for clarity, accuracy, and reader engagement.

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In a Nutshell: With roots stretching back more than 160 years, United Bank now operates nearly 60 branches in communities in Connecticut, Massachusetts, and Rhode Island. United Bank owes its longevity to its personalized approach to banking that fulfills the needs of consumers and businesses. The organization matches its customers with the financial tools they need to succeed, and its consumer and business credit card products have nothing to envy those offered by the largest Wall Street banks. That neighbor-helping-neighbor philosophy has helped United Bank grow into the largest Connecticut-based community bank with more than $7 billion in assets.

In 1858, in the small town of Rockville, Connecticut, 20 business owners pooled $175 to start Rockville Bank to finance home mortgages in the area. Acting as an agent of commitment and community cohesiveness, through good times and bad, the bank enjoyed steady growth, decade over decade.

Almost 25 years later, another bank was established in the nearby town of West Springfield, Massachusetts and embarked on a similar path, one in which neighbors helped neighbors put down roots and build livelihoods that could be sustained over generations.

By the end of the 20th century, West Springfield-based United Bank had become a $2.4 billion public company with 37 branches serving customers in Massachusetts and Connecticut, and Rockville Bank had become a $2.1 billion public company operating 22 branches and headquartered in the town of Glastonbury, Connecticut.

A lot had changed, but modern financial consumers in the Northeast still wanted more. They needed services on par with the largest Wall Street banks but with the benefits of a local organization that reflected the values of small-town New England.

United Bank Logo and Portrait of Brandon Lorey

Brandon Lorey, EVP and Head of Consumer Banking, highlighted United Bank’s robust credit card offerings.

The trends in consumer banking led to the 2014 merger between the two esteemed New England institutions which formed today’s United Bank. Based in Connecticut’s capital, Hartford, United Bank now manages more than $7 billion in assets and operates 58 branches. And though it brings customers the benefits of modern technology and a full range of services designed to meet a variety of needs, United Bank hasn’t forgotten where its roots lie.

“We have a storied history stretching back 160 years and have helped build our communities into the vibrant places they are today,” said Brandon Lorey, United Bank Executive Vice President and Head of Consumer Banking. “But through all the growth and product innovation, we’ve retained our commitment to taking care of each individual customer every step of the way. As we move into new markets, we find more and more consumers looking for the kind of relationship-based banking that only a community bank with a long history in one place can provide.”

Consumer Credit Cards Designed To Fit a Variety of Lifestyles

While its neighbors-helping-neighbors philosophy has remained a core value, United Bank serves customers across New England who have diverse financial goals. The bank has stepped up with a portfolio of consumer credit card options that provide the same flexibility as cards offered by many Wall Street banks. Customers can choose from various features, including lower interest rates, rewards points, and even concierge services.

“We succeed only when our customers succeed,” Brandon said. “The key to our growth in credit cards has been our ability to offer a personalized fit for all customers so they can move forward financially no matter where they start — or where they want to go.”

Many customers look to the United Bank Mastercard® Platinum card not just as they’re beginning their personal financial journey but also in times of debt reorganization. The card carries a 0% introductory APR on balance transfers and purchases for six months. Then, over the life of the card, creditworthy customers enjoy United’s lowest APR, which makes it ideal for those looking to carry a balance.

Its next-tier offering is the United Bank Mastercard® Platinum Rewards card, which allows cardholders to earn one reward point for every dollar spent, redeemable either as a statement credit or travel and gift cards. Points are even available for use as charitable donations. The card offers a one-time bonus of 5,000 points to customers who spend $1,000 on the card within the first three months.

Screenshot of United Bank consumer credit card page

United Bank’s consumer credit cards offer customers buying power, security, and personal service.

The United Bank Mastercard® World increases those rewards benefits, earning customers two points for every dollar spent on travel and dining along with a point per dollar on all other purchases. Cardholders who spend $3,000 on the card within the first three months earn 10,000 bonus points. This card offers higher credit limits and complimentary 24/7 concierge services as additional conveniences for cardholders.

And United Bank works with its customers to find the right fit for their financial situation.

“We want people to carry a card that meets their specific needs,” Brandon said. “In our conversations, we start with that and then go from there.”

Business Credit Cards Give Owners and Entrepreneurs More Administrative Control

United brings the same sort of flexibility to its business portfolio. Structured to parallel its consumer offerings, United’s business credit cards put administrative control in the hands of business owners. For busy managers and entrepreneurs, that can mean much less time spent on the phone with United Bank.

“That level of control is one of the great things about our business cards,” Brandon said. “With a lot of cards, the business has to call into the bank and ask, for example, to pull Judy off and add Bill. With us, they can just do it themselves. They can also control what can be spent on the card and where it can be spent, seamlessly setting those individual limits.”

Like United’s entry-level consumer offering, the Mastercard® Business Platinum card offers a 0% introductory APR on balance transfers and purchases and then a low everyday rate based on creditworthiness. United Bank makes any number of cards available at no additional cost, and businesses can choose between consolidated and individual billing.

“It’s all about empowering our business clients to transact the way they want to and not how the system wants them to,” Brandon said.

With the Mastercard® Business Platinum Rewards card, businesses can earn a point for every dollar spent. Those rewards can be redeemed for office supplies, equipment, and travel that can supplement everyday business costs. In the next tier is the Mastercard® Business World card, which is aimed at corporate road warriors. It rewards two points for travel and dining expenditures and offers 24/7 concierge services to help book reservations and locate hotels for the most avid business travelers.

“Businesses that move into our rewards cards are not just simplifying the accounting and administrative processes associated with transacting, they’re earning revenue,” Brandon said.

United Bank: Invested in Its Customers’ Financial Success

Whether on the consumer or business side, none of United Bank’s cards carry an annual fee. Holders have 24/7 access to their accounts, phone support, and are protected against fraud and identity theft. They also gain the benefit of working with a financial institution that looks at them first as people and then as customers. And that means a relationship based on more than credit score.

“Maybe it’s because we got our start as a couple of small-town banks, but that culture of inclusiveness has really taken hold and lasted all these years,” Brandon said. “We don’t sell our cards based on credit score. Instead, we find out how our customers plan on using the credit we offer to make their lives better. We talk to them about their spending habits and what they’re trying to do. Then, because we have a lot of different options, we can match them with the card that best suits their needs.”

“At the biggest banks, applying for credit can be like being forced into a box. They’re making all the choices for you. But at United, 160 years after our founding, we’re still striving to be like a neighbor helping another neighbor.” — Brandon Lorey, United Bank Executive Vice President and Head of Consumer Banking

United Bank also stands ready to grow with its customers as they move through financial stages. “Based on what we observe with our customers, we’re always looking for opportunities to help them to upgrade and gain additional flexibility and benefits,” Brandon said.

And as the world continues to grow more complex, that type of responsiveness is what more and more customers crave. It’s a sense that they’re dealing with someone on a personal level, not with a bureaucracy. As the largest Connecticut-based community bank, United is uniquely positioned to fill that role in its service area.

“At the biggest banks, applying for credit can be like being forced into a box,” Brandon said. “They’re making all the choices for you. But at United, 160 years after our founding, we’re still striving to be like a neighbor helping another neighbor. We’re still a community bank. Our folks can bring product knowledge and understanding to bear in a way that can really serve people better.”

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