University Bancorp, Inc. is the holding company of University Bank (the Bank). The Bank is a service community bank, which offers various customary banking services, including the acceptance of checking, savings and time deposits. The Bank provides fee-based services, such as annuity sales, life insurance, property casualty insurance and foreign currency exchange. The Bank serves the cities of Ann Arbor and Ypsilanti of Washtenaw County, Michigan. The Bank offers various services, such as personal banking, business banking and community banking. Its personal banking services include checking accounts, saving accounts, consumer loans, and online banking and bill pay. Its checking accounts include personal checking accounts and negotiable order of withdrawal account. Its saving accounts include personal savings accounts, money market account and certificate of deposit account. Its business banking services include deposit accounts, small business loans and online cash management.