This is My Bank, your bank and our bank.
First United Bank & Trust is My Bank, your bank and our bank. First United Bank & Trust means something special: my bank for living, my bank for learning, and my bank for people who want something more. My bank is personal and inclusive, like a family. My Bank is a partner, a friend, an advocate.
My Bank has an amazing purpose.
We’re not just in the banking business; we’re in the people business. We deliver an uncommon commitment to service and solutions. That’s our vision, and it’s a path that satisfies our customers and fulfills our team members. We’re heading into the future with our eyes on service. We set ourselves apart by creating value—for you, our valued customers. This vision is what separates us from the rest. We are committed to helping people and making a difference. This is why we hope you say, it’s “my bank.”
My Bank makes a DIFFERENCE.
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My Bank is HELPFUL.
We form helpful relationships.
We model helpfulness. We build helpful relationships. Our idea of service has no beginning or end. We’re on a mission to enrich the lives of our customers and team members through excellent service and creative solutions, modern values and old-school friendliness, hard work and dedication. Like the people we serve, we live, work, volunteer and support our local communities, and simply enjoy being helpful. We’re here to build helpful community relationships that last a lifetime.
We act on our values.
- Model helpfulness.
- Yield to the customer.
- Be passionate.
- Adapt solutions.
- Nurture trust.
- Keep it personal.
2024 Strongest Financial Institution in the Nation
Awarded 2024 by Bauer Financial
Empowering Women 2023
Recipient Empowering Women Award by The Daily Record.
2023 Top 200 Community Banks by AB
Ranked in Top 200 Community Banks by American Banker
20/20 Honor Roll: Gender Diversity in MD
Awarded by Executive Alliance in June 2022
2022 MD Top 100 Women Honorees
Awarded by The Daily Record
2021 Medium Business of the Year
Awarded in 2022 by Morgantown Area Partnership
2022 Outstanding Business Recognition
Awarded in 2022 by The Chamber of Allegany Co., MD
2021 Greatest of Garrett County
The Garrett County Republican
2021 50/50 Women on Boards
50/50 Women on Boards “3+”
2021 Power 30
Daily Record’s Power 30 Banking & Financial Services
2021 Strongest Financial Institution in the Nation
Awarded 2021 by Bauer Financial
2021 Greatest of Garrett County
The Garrett County Republican
2020 Women on Boards
Recognized as a “Winning (W)” company
2020 Reader's Choice
Favorite Local Bank
Cumberland Times News
2020 Greatest of Garrett County
The Garrett County Republican
First United is My Bank for life.
My Bank is ACCOMMODATING.
We yield to the customer. We take the time to listen and be curious, go the extra mile, and serve you well. At First United, we pause, look, watch and learn. We first slow down to understand you well, knowing each person and situation is unique. Then, we work to find a solution, look for opportunities, offer guidance, create a meaningful experience, and please you by doing more than what’s expected.
My Bank is PASSIONATE.
We are passionate about people.
We’re passionate. Serving is inspiring. We’re all about serving people, fulfilling dreams and creating better lives. We are in the business of helping people accomplish things they can’t do on their own. We support the creation and growth of businesses. We make the community a better place. We foster long-term relationships. And we’re maintaining the tradition of a community bank that’s played a vital role in customers’ lives since 1900. It feels really good to feel passionate about what we do and who we help.
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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My Bank can CUSTOMIZE.
We like to craft a unique solution.
We adapt solutions. We are a trusted advisor. We listen well and customize. We see people as individuals. We’re flexible. Because we are confident, and believe in ourselves and our bank, we are able to deliver a refreshing level of customization. Respectful teamwork empowers us to satisfy all of your needs. And because we are passionate about people, we know that the right solution will have a positive effect. We find only those answers that enable you to better enjoy life and foster our community’s prosperity.
My Bank is TRUSTWORTHY.
We are trusted advisors.
We nurture trust. We are knowledgeable experts. At First United, we take advantage of every opportunity to improve skills, grow personally, pursue intellectual advancement and refine our emotional intelligence too. We are focused on achievement, and are rewarded and recognized for superior service and personal development. So we work together as a team to earn each other’s respect and be trustworthy. You are counting on us, and we take that responsibility seriously.
Carissa Rodeheaver
Chairman of the Board, President and CEO
My Bank is PERSONAL.
We offer that personal touch.
We keep it personal. It makes a difference. At First United, we are curious and caring, wanting to know you firsthand, and understand your financial and personal goals. We are family oriented, so we like to get to know each other well too. We are passionate about helping find solutions to challenges. This highly individualized approach to banking shows that we still hold onto the ideals of trust and friendship, experience and compassion, priorities and purpose.
My Bank is MY PARTNER.
We are all in this together.
We pledge to live by these values we’ve shared with you, and to provide the support and resources that you need to deliver on our promises. By embracing these values in our daily activities, where our unique talents and passions expand, we want you to be able to notice the difference, value the experience, and say, “That’s my bank—my helpful, trusted partner for life.”
Talk to one of our Hometown Experts in Community Office near you.
My Bank INSPIRES ME TO INSPIRE OTHERS.
We love to see you shine.
To enrich the lives of everyone in our community, let’s unite and work together as a team committed to a common goal. After all, we’re called First United. We are all innately passionate about being here for people, helping this community succeed and sincerely wanting to be a part of every solution. Carefully cultivated relationships, uncommon service and a dedication to customize solutions set us apart, impact this community’s future and make people want to say, “That’s My Bank!”
Dollars Donated To Our Communities Annually
Hours of Volunteerism Donated Annually In Our Communities
Hours of Financial Education Outreach
Carissa L. Rodeheaver
Tonya K. Sturm
Keith Sanders
Jason B. Rush
R.L. Fisher
Julie Peterson
Chief Executive Officer, President & Chairman of the Board
Carissa L. Rodeheaver
- Certified Public Accountant, ABA and MBA with 29-year career at First United and in-depth industry, company, and operational experience
- Involvement in community activities, including board seats at Garrett College Foundation and Garrett Development Corporation
1-888-692-2654
Oakland Main Office
19 South Second St.
Oakland, MD 21550
Phone:1-888-692-2654
Senior Vice President, Chief Financial Officer, Secretary and Treasurer
Tonya K. Sturm
- 35 years of extensive banking, audit, credit, retail, risk and compliance and financial experience
- Serves on Advisory Councils for both the American & Maryland Bankers’ Associations and involved in the Garrett County community as a board member for multiple organizations
1-888-692-2654
Oakland Main Office
19 South Second St.
Oakland, MD 21550
Senior Vice President, Chief Wealth Officer
Keith Sanders
- 28 years of experience specializing in Wealth management, estate planning, trust administration and financial planning
- Serves on the Maryland Bankers Association’s Government Relations Committee and Trust Committee and involved in the Garrett County community as a senior leader for several organizations
1-888-692-2654
Oakland Main Office
19 South Second St.
Oakland, MD 21550
Senior Vice President, Chief Operating Officer
Jason B. Rush
- 27 years with in-depth industry, retail, risk and compliance and operations experience
- Serves on the Maryland Bankers Association’s Government Relations Committee and involved in the Garrett County community as a board member for multiple organizations
1-888-692-2654
Oakland Main Office
19 South Second St.
Oakland, MD 21550
Senior Vice President, Chief Revenue Officer
R.L. Fisher
- 25+years with in-depth industry, retail, commercial and mortgage banking experience
- Serves a board member of the Salvation Army of Washington County
1-888-692-2654
Oakland Main Office
19 South Second St.
Oakland, MD 21550
Senior Vice President, Chief Credit Officer
Julie Peterson
Executive Team
Carissa L. Rodeheaver
Brian R. Boal
Sanu Chadha
John F. Barr
Christy DiPietro
I. Robert Rudy
Marisa A. Shockley
Hoye Andrew Walls III
Patricia Milon
Kevin Hessler
Chief Executive Officer, President and Chairman of the Board
Carissa L. Rodeheaver
- Certified Public Accountant, ABA and MBA with 29-year career at First United and in-depth industry, company, and operational experience
- Involvement in community activities, including board seats at Garrett College Foundation and Garrett Development Corporation
Lead Director
Brian R. Boal
- Certified public accountant and previous tax manager at PwC with extensive ownership, accounting, public company, M&A and business advisory experience, most recently in Garrett County
- Serves as the treasurer of several organizations in Garrett County
Independent Director
Sanu Chadha
- Certified Project Management Professional
- Business and ownership experience in Monongalia County WV in a management and solutions company that provides consulting services to enterprise organizations across the United States and abroad for strategic process and technology solutions, project management, process improvement, data analytics, and cloud solutions
Independent Director
John F. Barr
- Business ownership and operational experience in Maryland and the surrounding area
- Involvement in Washington County, Maryland and is a former 3-term Washington County Commissioner
Independent Director
Christy DiPietro
- Chartered Financial Analyst
- Private investor who provides wealth management services for a diverse portfolio of assets, including investment analysis and strategy, asset allocation, tax matters, insurance matters, estate planning, property management, and charitable giving.
- Operational experience in a large public investment firm where she managed $2.3 billion in high-quality taxable fixed income assets for numerous institutional clients
Independent Director
I. Robert Rudy
- Business ownership and operational experience in Garrett County
- Board and committee experience as a trustee of The Ohio University Foundation, past first prevention Commissioner, retired chief of local fire department
Independent Director
Marisa A. Shockley
- Business ownership and operational experience in Frederick County
- Chairman for the Maryland Auto Dealers’ Association, past President of Maryland School for the Deaf; TIME Quality Award regional finalist
Independent Director
Hoye Andrew Walls III
- Business ownership and operational experience in Monongalia County, WV in a large printing company
- Director experience at various community organizations such as United Way, Public Theatre, Red Cross and the Salvation Army
Independent Director
Patricia Milon
- Accomplished regulatory expert
- Enterprise risk management and corporate governance experience with expertise in compliance, legal and regulatory risk for public companies
- Consulting roles for fintech and regtech companies
Independent Director
Kevin Hessler
- Certified public accountant, and principal at LSWG accounting firm in Frederick and Rockville, Maryland, serving as Managing Principal for a span of 12 years.
- Specializes in providing consulting services for small businesses with a specialty in real estate, as well as offering tax planning solutions for both businesses and individuals.
- Served as a board member and President of the Mid-Maryland Chapter of the Maryland Association of Certified Public Accountants.
- Actively involved in the Frederick, MD community serving on various organizations such as the Community Foundation of Frederick County, the Frederick Festival of the Arts, the Downtown Frederick Partnership, Counseling Services, Inc., and the Mental Health Association of Frederick County.
Board of Directors
First United Bank & Trust Products and Services
Personal Checking, Savings, and Loans
If you want expert neighbors who can advise on financial strategy, talk to us. Our personal banking solutions offer 24/7 access for saving, spending, and budgeting. Personal Products include personal checking, personal savings, mortgages, and more. Learn more.
Business Checking, Savings, and Loans
Your business ambition is what fuels us. We build total relationships, solve problems, help businesses succeed, and build a stronger community. Business Products include business checking, business savings, business loans, business credit cards and more. Learn more.
Wealth Management Services
Tell us your goals, and we’ll help you arrive on time with Wealth Management solutions such as estate planning, wealth management, and more. Learn more.