old bank

Originally chartered in 1937 as Umatilla State Bank by a group of Umatilla citizens and citrus growers, USB served mainly the greater Umatilla community in its early days as branch banking was not allowed in Florida until the late ‘70s. When branch banking was authorized by the State of Florida, USB immediately opened branches in several nearby Lake County communities. To reflect our growing geographic footprint at the time, the Umatilla State Bank name was changed to United Southern Bank in 1987 allowing us to preserve the “USB” we were known by in our communities.

Today, with 12 offices in Lake and Sumter Counties and over 80 years of community banking experience, United Southern Bank still puts a premium on building strong long-term relationships with our customers. The bank’s officers and directors live here – many of them all their lives – and pride themselves on knowing our customers well and understanding their banking needs. Local ownership and management of the bank truly does make a difference.

When working with customers and making business decisions we simply “do the right thing” each and every day. USB has been profitable throughout its history which has allowed the bank to build a strong capital base to ensure we can both meet your lending needs and be a safe and secure home for your deposits.

Community banking with United Southern Bank offers a style of banking that is personal, friendly, and rewarding, yet it doesn’t mean technology takes a back seat. United Southern Bank for years has been an early adopter of the latest in bank technology as we are committed staying at the forefront of new technologies such as mobile banking.

We are connected with all of our individual communities in many ways including our participation in countless community events and organizations.  United Southern Bank understands its responsibilities in the communities we serve and the need to give back through volunteerism, charitable support and event sponsorship.

Mission Statement:

United Southern Bank will continue to be the community bank that cares about its customers, employees, shareholders and the communities we serve.

USB Personal Mobile and Online Banking

Track your money with mobile and online banking.   

  • Receive a text message when your direct deposit is made

  • Get a text message alert when a check clears or debit card payment is made

  • Set yourself up to receive a notice when your account drops below an amount you are comfortable with

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Enroll Now

Business Customers should contact a CSR at any branch for enrollment forms.


Routing Number 063105285

USB Debit Card Enhancements

USB Chip Debit Card

There is more protection for your USB Card.

Use CardValetR within your mobile app to block use of your card, set purchasing limits and spending parameters.

Use your USB Card for purchases within your mobile wallet with AppleR and Android PayTM where accepted by retailers.

Get an immediate text alert if we suspect fraud and simply text us back if it's you for an approved transaction.

Use your USB Debit card with no surcharge fees at Presto at Publix Grocery stores and Allpoint locations through out the United States.  To find an Allpoint location download the app or click here.