Personal and Business Banking Services in Smithsburg

Welcome to First United Bank & Trust, your local financial partner at 22940 Jefferson Boulevard, Smithsburg, MD. Nestled near Foxville Road and Cavetown Church Road we offer a suite of personalized banking services to meet personal and business needs. Explore our Discovery Center with interactive touch-screen and tablet technologies.

Our services include checking accounts, refinancing, wealth management, and credit cards. Enjoy the convenience of night deposits and quick wire transfers. Secure your valuables with our affordable, safe deposit boxes, and use our coin machine for cash exchanges.

Visit us today and experience banking made simple!

Personal Banking Services in Smithsburg

At First United Bank & Trust in Smithsburg, MD, we offer comprehensive personal banking services tailored to your needs. From personal checking and savings accounts to certificates of deposit and personal loans, our solutions are designed to help you reach your financial goals.

You can easily manage your finances with our ATMs, reorder checks online, and explore retirement planning and savings options using our certificate of deposit calculator. Experience personalized service and support at every step of your financial journey.

Mortgages and Home Equity Loans in Smithsburg

At First United Bank & Trust in Smithsburg, MD, we offer a variety of lending options. Whether you’re a first-time homebuyer looking for loans or seeking to refinance your mortgage at competitive mortgage rates, our experienced mortgage lenders are here to help.

Explore our home equity loans and home equity line of credit (HELOC) options for financing home improvements or other expenses. We provide conventional loans for all your mortgage needs, helping your property investment to be sound and rewarding.

USDA Loans, FHA Loans, and VA Loans

At First United Bank & Trust in Smithsburg, we offer tailored loan options to fit your needs. USDA loans provide rural homebuyers with zero down payment benefits, whereas FHA loans are ideal for first-time buyers with low down payments and flexible credit requirements. VA loans offer exclusive benefits to veterans and active-duty military members, including no down payment and competitive interest rates.

Business Banking Services for Washington County Businesses

At First United Bank & Trust in Smithsburg, MD, we understand the unique needs of small businesses and strive to provide comprehensive financial solutions. Our business banking services include everything from business checking accounts and business savings to tailored business loans and specialized SBA (Small Business Administration) loans. Our business credit cards allow you to manage expenses efficiently while earning competitive rewards.

Our debit cards offer easy access to cash deposits and purchases, while our merchant services streamline payment processes. Enjoy a high annual percentage yield (APY) with our savings account and take advantage of rewards-checking options that maximize your earnings. Partner with us for all your business banking needs and experience the difference a community-focused bank can make.

Business Checking Accounts

Our business checking accounts are designed with your company’s growth in mind. Benefit from payment solutions that cater to your specific needs, allowing seamless transactions and efficient management. Whether you’re handling daily expenses or managing cash flows, our checking accounts provide the flexibility and support your business requires. Experience the convenience and reliability of banking with First United Bank & Trust, where your success is our priority.

Smithsburg Asset, Investment, and Wealth Management Services

Consider us your trusted asset management company, specializing in comprehensive wealth management solutions to help you secure your financial future. Whether you are exploring estate planning, managing your 401(k), or setting up an SEP (simplified employee pension), IRA, or SIMPLE IRA, our expert team guides you. We offer personalized investment management services, from wills and trusts to optimizing your retirement account.

Schedule a consultation today to plan confidently for your future.

Your Bank Serving Smithburg, Edgemont, and Surrounding Communities Since 1995

Discover the difference at First United Bank & Trust, where our history of community-focused banking sets us apart. Visit us at 22940 Jefferson Boulevard, near the Washington County Free Library.

Contact us online or call us to experience personalized service that meets your needs.