United Central Bank, also known as UCB, is a community bank that has been serving customers since 1987. The bank offers a range of personal and commercial banking products and services. It provides credit and debit cards, as well as checking, savings, money market and individual retirement accounts. The bank offers personal, automobile, vacation and business loans. United Central Bank provides cash management, wire transfer, merchant, lending and Internet banking services. It participates in community development activities and offers various academic scholarships. The bank has received the Corporate Citizen of the Year Award from the Asian American Citizens Council of Dallas, Texas. Headquartered in Garland, Texas, United Central Bank also maintains a location in Houston.