United Savings Bank is a community bank that was established in 1912. Started as Philadelphia Building and Loan, USB has grown into a full-service bank. Its primary objective is to serve southeastern Pennsylvania and southern New Jersey. The bank has more than five offices to serve customers. USB specializes in providing financial services to its personal and commercial customers. It is a leader in residential financing and offers a large selection of commercial loans. Personal banking options include checking accounts, savings accounts, individual retirement accounts, loans, telephone and Internet banking, automated teller machine cards and credit cards. Business banking options include basic, small business and community checking accounts; money market accounts; interest checking; sweep account processing; and business and commercial loans. It also provides home equity lines and mortgages. United Savings Bank maintains a location in Philadelphia.