united security bancshares operates as the bank holding company for united security bank, a state-chartered bank that provides a range of commercial banking services to the business and professional community, and individuals in california. the company accepts various deposit products, including personal and business checking accounts, savings accounts, interest-bearing negotiable order of withdrawal accounts, money market accounts, and time certificates of deposit. it also offers real estate mortgage, commercial and industrial, real estate construction, and consumer loans, as well as agricultural, installment, and student loans. in addition, the company provides online and mobile banking, safe deposit boxes, payroll direct deposit, cashier's check, cash management, traveler's check, money order, foreign draft, and interactive teller and atm services. as of october 15, 2020, it operated through 12 full-service branch offices in fresno, bakersfield, campbell, caruthers, coalinga, fireba