Founded in 1882, United Bank is a federally chartered stock bank that provides personal and business banking and wealth management services. It is a part of United Financial Bancorp, which offers a wide range of investment and insurance products and services, as well as financial, estate and retirement planning services. United Bank provides certificates of deposit, savings accounts, checking accounts, individual retirement accounts and mortgage loans. Additionally, it offers credit cards, ATMs, commercial loans, Internet banking, mutual funds and construction lending. The bank also offers lockers, foreign currency exchange services, traveler s checks and gift checks. The bank provides a variety of loans to customers, such as term loans, commercial real estate loans, commercial mortgage and auto loans. It has more than 12 branches located throughout western Massachusetts. United Bank is headquartered in West Springfield, Mass.