Our team is here for you, for life!
In a time when it seems like so many banks are just the same, First United is here with the heart to be different. It’s not just that we’re locally owned with a team that lives and works in the places you call home, it’s that we’re dedicated to helping you. We build solutions that are so customized, you’d swear we only had one customer–you!
That’s why our customers call us “my bank.” We can’t wait for you to see just what we have to offer.
Latest from the Blog
A Legacy of Giving on the Green: First United Hosts 37th Annual Charity Golf Tournament
First United Bank & Trust proudly teed off its 37th Annual Charity Golf Tournament on Friday, July 11, 2025, at the scenic Oakland Golf Club. As the event’s organizer, First United has helped turn this tournament into a cherished community tradition. Over nearly four decades, the event has raised an impressive $700,000+ for Garrett County charities — proving that a great day on the course can also make a powerful impact.
First United promotes J.T. Bowling to Mortgage Relationship Manager
Scott Hostetler, Vice President and Director of Mortgage Services at First United Bank & Trust, is thrilled to announce the promotion of J.T. Bowling to Mortgage Relationship Manager, working in the Washington County Hagerstown Office.
Bulls & Bears Third Quarter 2025
Click here to read the latest Bulls & Bears newsletter from third Quarter 2025.
Can You Spot an Investment Scam? Here’s What You Need to Know
Investment scams, especially those involving cryptocurrency, are on the rise. In fact, the U.S. Department of Justice (DOJ) recently seized a staggering $225.3 million linked to alleged crypto investment scams. According to the DOJ, this is the largest cryptocurrency seizure in Secret Service history.
Smart Borrowing: Solutions for Managing Student Loan Debt
College is more than an education — it’s the start of a new chapter, full of possibilities. However, for many students, the cost of higher education is a major financial hurdle. First United Bank & Trust loans cover tuition, housing, books, and supplies, so students can focus on learning and shaping their future.
First United Bank & Trust celebrates 125 years of community, commitment, and growth
First United Bank & Trust proudly celebrates its 125th anniversary in 2025, marking a significant milestone in its journey from a small-town bank to a trusted financial partner across multiple states. Founded in 1900 as the First National Bank of Oakland, the institution has grown to include 22 branches and more than 300 associates — yet its heart remains rooted in community.
Meet Our Team
Nakisha Aviles – Broadnax
Kirsten Deering
Denise Greenbeck Hess
Nick Carrera
Shane Small
Scott Palmer
Matt Hess
Logan McKoy
Regional Retail Manager
Nakisha Aviles – Broadnax
NMLS #699754
Email:navilesbroadnax@mybank.com
Phone:301-668-6035
Deposit Services Relationship Manager
Denise Greenbeck Hess
NMLS#864509
Email:dhess@mybank.com
Phone:240-850-2012
Vice President, Senior Wealth Advisor - Team Lead
Shane Small
Email:ssmall@mybank.com
Phone:301-393-3930
Vice President, Commercial Relationship Manager
Scott Palmer
Email:spalmer@mybank.com
Phone:301-662-6314
The History of First United Bank & Trust
In November 1900, First United is established as First National Bank of Oakland with a location on Main Street.
In May, 1963, the Lake Community Office opened, situated along the water’s edge of Deep Creek Lake, was called America’s First Banking by Boat Office by many who wrote about its existence. Dock space was provided at the rear of the building for the “sail-in” customers.””
New branch opens in Grantsville, Maryland, expanding the area First United serves in July 1964.
In November 1982, First United opens another new location in Cumberland Maryland on West Harrison Street.
November, 1982, First United opens a new location in Bel Air, Maryland; expanding into Cumberland.
In 1983, First United merged with Cumberland Savings Bank and changed our name to First United National Bank & Trust.
In May 1988, First United merges with First National Bank of Piedmont, adding the current Tri-Towns Community Office to the First United Bank & Trust family!
On November 14, 1994, First United celebrated the grand opening of the new Riverside Community Office in Frederick, Maryland on Monocacy Boulevard.
In November, 1995, First United consolidated with Myersville bank, adopting the slogan My Bank!
On November 17, 1995, First United opened a new location in Hagerstown Maryland on South Edgewood Drive.
On December 4, 2000, First United’s Lake office in McHenry moves to a new, beautiful location.
After acquiring several offices in the Martinsburg, West Virginia area in July 2003, First United opens a new branch on Edwin Miller Boulevard on April 14, 2004.
First United begins expansion into Morgantown with a new office in Sabraton, West Virginia on February 28, 2005.
First United continues its Morgantown, West Virginia expansion with a new office in Star City that opened in December 2006.
Market expansion continues in Hagerstown, Maryland with a new location on Wesel Boulevard which opened on March 19, 2007.
In September 2007, First United’s offers its first Express location with drive-up services
Expanding available digital solutions for customers, First United begins offering online personal account opening on October 18, 2008.
First United establishes another new office in Frederick, Maryland opening on April 22nd on Baughmans Lane.
As the third office in Morgantown, West Virginia, First United opens a location at the Suncrest Towne Centre on June 26, 2009.
First United moves its Keyser office to a new, beautifully constructed building in December of 2010.
The First United Trust & Investments department celebrates it’s 50th year providing customers with great service!
First United begins offering personal mobile banking, allowing customers to access their accounts on-the-go in late 2011.
Carissa L. Rodeheaver is promoted to President and Chief Financial Officer.
First United begins offering mobile deposits, allowing customers and small businesses to deposit checks directly from their mobile device on August 1, 2013.
First United participates in a bank wide effort to collect and donate used shoes to the Soles 4 Souls organization; collecting over 33,000 shoes!
January 1, 2016, Carissa L. Rodeheaver is promoted to Chairman of the Board, Chief Executive Officer and President.
The Cannery office opens at Gateway to Frederick City ushering the Branch of the Future concept for First United.
April 25, 2016, First United opens a new, state-of-the-art branch of the future” in the old Cannery building in Frederick
We listened to you and changed our look. You told us you’re glad we’re still committed to community, service and solutions after all these years. So even though we’re the same bank we’ve always been, we created a fresh new logo that emphasizes our purpose — you. We’ve brightened our…
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First United has been named a 5-star organization by Bauer Financial. Learn more here.
First United has been named a 5-star organization by Bauer Financial for the second year in a row. Learn more here.
Awarded in November 2019 by Deep Creek Times People’s Choice Award. Our goal as an organization has always been to exceed expectations. Not just the expectations of our customers, but also the expectations of the communities we serve. After all, we are a true community bank. We will continue to…
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First United has been named a 5-star organization by Bauer Financial for the third year in a row. Learn more here.
First United Corporation (NASDAQ: FUNC), a bank holding company and the parent company of First United Bank & Trust, has been recognized as a “Winning (W)” company by 2020 Women on Boards, the premier global education and advocacy campaign committed to increasing the number of women on corporate boards. “We are…
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Awarded in September 2020 by The Garrett County Republican Our goal as an organization has always been to exceed expectations. Not just the expectations of our customers, but also the expectations of the communities we serve. After all, we are a true community bank. We will continue to invest in…
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