view of sandy inlet at sunset
Your full-service, independent, community bank serving the Minnesota lakes area and beyond!
Because of our commitment to you and our community our lobbies at all of our branches will be closed, except by appointment, until further notice. Drive ups will remain open during business hours. Any questions call us at 218-346-5700
Hours of Operation
Report Card Lost/Stolen 
Apply for a Loan 
Online Account Opening
Locations and Appointments
Electronic Forms
Customer Privacy
PPP Loan Portal
Minnesota’s small businesses are now eligible for PPP Loans and other disaster relief funds. Let UCB help your small business! Learn about all your options and what is available to you through our PPP Loan Portal!
Small business help
Do Not Get Left Behind
Winter is here and you do not want to be stuck inside! Enjoy the thousands of miles of trails, or the thousands of lakes in our back yard. Apply for a personal loan and get outside!
Apply Now
Online Account Opening
Need a savings or checking account? Don't have time to come to the bank? Skip the bank and open all your new accounts online! Do it anytime, anywhere, right now!
New Account OpeningWhy bank with us?
See what our customers have to say!
“United Community Bank has a top-notch professional team that is attentive and skilled. The bank is solid and focuses on our community!"
- Jack R.
“When you walk into United Community Bank you feel community.”
- Nicole W.
"United Community Bank has grown a lot in the last twenty years, but one thing they do better than other banks is prioritize the 'ease of doing business.'”
- Keith A.
"Thank you so much for realizing a dream! We are thrilled to be in Perham and Gathering Grounds is heaven, you changed our lives!"