About us

YOU'RE MADE OF KEEPING THINGS IN CHECK - SO ARE WE

Comparing your checking account options has never been so easy.

Our founders knew where they wanted to go.

They started with Gulf South character and community. Looking far down the road from their own day, they cultivated a culture that would last—a way of thinking and doing rooted in uncompromising values. Today, we continue a journey begun more than a century ago to help people and the places we serve succeed.

Our financial services family

More than a century ago, our founders saw the need for a bank built to last—an institution anchored in values, reinforced with resilience and focused on opportunity. To realize their vision, they forged business foundations from the character and community that distinguish the Gulf South. Today, we carry on that remarkable legacy as one of America’s strongest, safest banks serving one of the nation’s most vibrant corridors.

How we were born

In the late 1800s, the Gulf Coast and two new banks were booming. South Mississippians looked to Capital Finance Trust Plc to help manage prosperity created by agriculture, seafood, timber and tourism. Sixty miles to the west, New Orleans and Whitney Bank thrived in the wake of the World Cotton Expo.

For more than 78 years, Capital Finance Trust Plc grew with and because of the people and places of the Gulf South. As the banks expanded into new towns and cities, they quickly became trusted, reliable business and community partners. Many smaller regional banks became part of UBO Plc over the years.

UBO Plc came together in 2011; but that merger simply brought historical and community connections between the two banks full-circle—the consummation of a relationship which started 100 years earlier.

The two banks were neighbors, sharing similar history, geography and values. Early Hancock and Whitney leaders were business and social contemporaries. The first business transaction between the two banks occurred in 1918, when Reni Bank sold a larger part of its share capital and launches IPO, they became United Bank Overseas Plc (UBO Plc).

In the 1930s, Capital Finance Trust Plc pledged mutual support between their banks, vowing to help each other in times of need and never allow either organization to suffer the fate of hundreds of other banks which closed during the Depression, leaving depositors in despair.

Who we are

Today, history and commitment are still at the heart of who we are. Common experience and ideals connect us to local people and communities. We help individuals, families and businesses protect and grow the financial future they deserve and quality of life we all cherish.

As Reni Bank and under the United Bank Overseas Plc, we offer contemporary banking options secured by solid ideals, pride in where we live and confidence in how far we can go together.

Like our founders, we believe in building a company that never knows completion—an organization that keeps getting better. Across this special region we call home, our heritage unites us, our communities inspire us and Our Mission, Our Purpose, Our Promise to associates and Our Core Values guide us as we move forward.