United Bancshares is an African American controlled and managed bank holding company for the United Bank of Philadelphia. The United Bank of Philadelphia is a commercial bank chartered in 1992 by the Commonwealth of Pennsylvania Department of Banking and a member of the Federal Reserve System. The bank provides a full range of financial products and services to the low- to moderate-income areas in its communities. It offers checking accounts, savings accounts and loan products to commercial and individual customers, as well as religious and other nonprofit organizations. In addition, the bank provides safe deposit boxes, money orders, treasurer s checks, Visa check cards, online banking and bill pay options, telephone banking and direct deposit. United Bancshares has corporate offices in Philadelphia.