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Your first time login in? Enter your United Bank User ID. Then select “Login” and enter your temporary password: PuBK (case-sensitive) and the last four digits of the Social Security Number of the person who created the original United Bank profile. For example, if the Social Security Number is 123-45-6789, your temporary password will be PuBK6789. You’ll be prompted to choose a new password for future use.
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Your first time logging in? Enter the new company ID that you will have received in a separate mailing followed by your existing United Bank User ID. Then select “Login” and enter your temporary password: PuBK (case-sensitive) and the last four digits of the Business Tax Identification Number belonging to the business entity that created the online profile. You’ll be prompted to choose a new password for future use.
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Your first time login in? Enter your United Bank User ID. Then select “Login” and enter your temporary password: PuBK (case-sensitive) and the last four digits of the Social Security Number of the person who created the original United Bank profile. For example, if the Social Security Number is 123-45-6789, your temporary password will be PuBK6789. You’ll be prompted to choose a new password for future use.
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Can't Log In? Enroll in Online Banking
AlwaysChecking Enroll/Login
Your first time logging in? Enter the new company ID that you will have received in a separate mailing followed by your existing United Bank User ID. Then select “Login” and enter your temporary password: PuBK (case-sensitive) and the last four digits of the Business Tax Identification Number belonging to the business entity that created the online profile. You’ll be prompted to choose a new password for future use.
Invalid Company ID
Invalid User ID
Can't Log In? Enroll in eTreasury+
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  • PCLC Online Payments
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Types of Mortgages

You've found the right home, now find the right mortgage. There are many different mortgage options available to meet your budget and repayment timeframe.

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Fixed-rate mortgages


This option is great for those who are looking to own their home for several years, as it provides the stability of fixed payments.

  • Interest rates are fixed for the life of the loan, typically 15 or 30 years.
  • Your payment includes principal plus interest, which will remain fixed over the life of the loan. Your payment will also include property taxes and insurance, which may change over time. When needed, mortgage insurance may also be included in your payment.
  • Your total mortgage payment is more stable than a rent payment, but may change due to tax increases or changes in insurance premiums.


Adjustable rate mortgages

This is great for those who are looking for a short term option, offering lower up-front payments.

  • Interest rates are variable and are typically lower than fixed-rate mortgages, which means you will enjoy a lower monthly payment.
  • Although rates fluctuate with the market, there is a cap on how much your interest rate can increase or decrease over time.


Interest Only Mortgages

  • An adjustable rate loan where the initial payment is interest only for the first 5 or 7 years
  • Keeps the initial payment low however, it delays the building of equity in the property
  • After the first 5 or 7 years, the payment becomes principal plus interest


Jumbo mortgages

For loans over $424,100, this is your perfect fit.

  • Competitive rates that can be either fixed or adjustable


Construction mortgages

If you are looking to build a house from the ground up, this is a great option for you.

  • Pay interest only during the construction phase.
  • Apply once and have only one loan closing!


Affordable Housing Programs

For buyers who don’t qualify for standard programs, there are many affordable housing programs that could be the perfect fit for you!

Related articles

Is Homeownership Right For You?

Deciding What You can Afford

Choosing the Right Home

Selecting a Real Estate Agent

Types of Mortgages

Making an Offer

On April 2, 2022, People's United Bank, N.A. merged into M&T Bank. It is now part of M&T Bank and its former branches and most services will operate as the People's United division of M&T Bank until we complete the integration of our systems later in 2022. M&T Bank is a Member FDIC, Equal Housing Lender and Equal Opportunity Lender.

By using People's United Online Banking, you agree to the People's United Electronic Services Agreement.

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