United Bank & Trust is a locally owned financial institution that provides a variety of banking services. It offers savings, checking and individual retirement accounts, as well as traveler s and cashier s checks, personal money orders and debit cards. The bank also provides consumer, real estate, agricultural and commercial loans. United Bank & Trust offers trust, individual portfolio, and probate and estate administration services. In addition, it provides online and phone banking services and payment calculators. United Bank & Trust is a member of the Federal Deposit Insurance Corporation.