News and Events

URSB is excited to announce our new Debit Cards! Here is a letter from our President about the new chip cards!

Posted on: February 21, 2018

Dear Valued Customer,

By now you should have received your New Debit Card – with the latest chip technology!!

I am pleased to announce that our new card system is now LIVE with your new card and enrolled accounts.

Here are some highlights of what converting to the new card means for you: 

Please securely destroy your old debit card and begin using your new card today. If you have payments or other links in place for your old card these will need to be transferred.  Please call us if you need assistance with that process.  We are here to assist you.

As always, my door is open to you, our valued customer for any of your banking needs.

We are proud to be Carteret’s community bank for over 100 years, going strong with new and exciting plans for 2018!



Kenneth R. Totten


URSB in the News

Posted on: February 12, 2018

Kenneth R. Totten, President & CEO of URSB, recently sat down with NJBiz to discuss how URSB is strengthening relationships with customers in an era of digital banking, and how its exciting new remodeling project will enhance their customers' in-branch experience.

Click here to read the article on


URSB Receives Prestigious 5-Star Rating by Bauer Financial

5-Star Rating Indicates Bank Excels in Variety of Areas, Including Capital Adequacy, Profitability & Asset Quality

Posted on: January 29, 2018

Carteret, NJ - United Roosevelt Savings Bank, Carteret's hometown bank with an outstanding 100-year reputation for personalized service and passionate commitment to the community, has received a prestigious 5-Star rating by Bauer Financial, Inc., the nation's leading independent bank and credit union rating firm. The 5-Star rating is the highest a financial institution can earn from the service.

"We're extremely proud of the 5-Star rating from Bauer Financial," said Kenneth R. Totten, President & CEO of URSB, "as it places us in the top tier of United States financial institutions, and is reflective of our commitment to providing the highest level of service to our customers." The 5-Star rating indicates that URSB excels in a variety of areas, including capital adequacy, profitability and asset quality.

Offering high interest checking accounts, such as Kasasa Cash® and Kasasa Cash Back®, and among the most competitive CD rates on the market, URSB is a modern financial institution dedicated to providing powerful financial tools that allow its customers to pursue their dreams while remaining financially secure. The bank's suite of products and services includes personal banking, mobile banking, mortgages, home equity loans and lines of credit, as well as commercial mortgages for multi-family/mixed-use properties. Online and mobile services allow customers secure access to their accounts, as well as the ease of banking at their convenience.

Bauer Financial has been analyzing and reporting on the financial condition of the nation's banking industry since 1983. Every bank and credit union is required to file a detailed financial report with federal regulators on a quarterly basis. Bauer Financial obtains this data in its raw form from the government, and subjects it to a thorough analysis, comparing it with historical data for consistency. Once analyzed, Bauer Financial assigns a star rating from zero to five stars. No institution pays for its ratings, nor can it avoid being rated.

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About URSB

With an outstanding 100-year reputation foURSB Receives Prestigious 5-Star Rating by Bauer Financialr personalized service and passionate commitment to its community, URSB, Carteret's only hometown-based bank, serves the personal banking needs of customers throughout Central New Jersey. The bank's suite of products and services includes personal banking, mobile banking, mortgages, home equity loans and lines of credit, as well as commercial mortgages for multi-family/mixed-use properties.

Online and mobile services allow secure access to accounts, and the ease of banking at customers' convenience. Offering high interest checking accounts and among the most competitive CD rates on the market, URSB is a modern financial institution dedicated to providing powerful financial tools to allow customers to pursue their dreams while remaining financially secure.

Member FDIC. Equal Opportunity Lender.  


Holiday Toy Drive: Donate at the URSB Lobby Through Dec. 15th

Posted on: December 6, 2017

Every child should get to experience the jubilation and excitement of receiving a new toy during the holidays. To help bring holiday cheer to the children of Carteret, United Roosevelt Savings Bank has partnered with the Carteret Housing Authority for a local toy drive.

Those who wish to donate can drop off a gift in the lobby of our Carteret branch office located at 11-15 Cooke Avenue. Toys suitable for boys and girls from toddlers to age 10 are being accepted through December 15th.

The Carteret Housing Authority is committed to developing and providing safe, sanitary, affordable housing for low-income individuals and families in Carteret and the surrounding area. United Roosevelt Savings Bank has been Carteret’s local bank for more than 100 years, continuously committing itself to aiding the efforts of the Housing Authority and other organizations that enrich the Carteret community.

In this partnership and with the help of local residents, we believe we can make the holidays a little brighter for our neighbors in need.


United Roosevelt Awards Two Scholarships at Carteret-Perth Amboy Thanksgiving Day Football Game

Posted on: December 6, 2017

United Roosevelt Savings Bank was on hand at the 2017 Carteret vs. Perth Amboy Thanksgiving Day high school football game to award scholarships to two senior students who were recommended by their respective coaches, faculty and administrative staff.

MVP trophy awarded to Dwayne Sharpe of Carteret HS
MVP trophy awarded to Dwayne Sharpe of Carteret HS

Chris Pena of Carteret HS and David Welch of Perth Amboy HS each received a $500 scholarship presented by United Roosevelt’s president, Ken Totten. The scholarships were awarded at halftime, followed by MVP trophies also presented by United Roosevelt to Carteret’s Dwayne Sharpe and Perth Amboy’s Tyler Jack after the game.

Sharpe rushed for 107 yards and three touchdowns, leading Carteret to a 41-6 victory. Perth Amboy’s only score came on the last play of the game as Tahj O'Neal connected with Tyler Jack for a 68-yard Hail Mary touchdown. In a series dating back to 1927, Perth Amboy holds the all-time lead at 46-43-2. Carteret, however, has won five of the last six contests.

2017 marked the third consecutive year United Roosevelt has participated in the holiday rivalry game. As Carteret’s hometown bank, we are proud to support our local students and institutions. We have made a long-term commitment to continue our annual Thanksgiving Day scholarships, and are already looking forward to next year’s game.

Click here to see more photos from the game!


A Word About Security

Posted on: September 22, 2017

At United Roosevelt Savings Bank, safeguarding all customer information is one of our highest priorities. Unfortunately, in this highly digitized age, our valued customers may be vulnerable to information compromise from others.

As many of you may have heard, Equifax Credit Bureau announced last week that cyber criminals compromised their systems several months ago and may have obtained critical personal information. Equifax is estimating nearly 143 million consumers may be affected by this compromise.

Equifax has taken a number of steps to safeguard their customers. They have established a dedicated website, to help consumers determine if their information has been potentially impacted. They are offering a free credit file monitoring and identity theft protection service for one year.

The website also provides additional information on steps consumers can take to protect their personal information. Equifax recommends that consumers with additional questions visit or contact a dedicated call center at 866-447-7559, which the company set up to assist consumers.

For your convenience, we have also included answers to some of the most frequently asked questions about this breach and what can be done to protect your personal information. This information was provided by the American Bankers Association.

Frequently Asked Questions

I’ve been hearing about the Equifax breach in the news. What happened?
Equifax, one of the three major credit bureaus, experienced a massive data breach. The hackers accessed people’s names, Social Security numbers, birth dates, addresses and, in some instances, driver’s license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people.

Was my information stolen?
If you have a credit report, there’s a good chance it was. Go to a special website set up by Equifax to find out: Scroll to the bottom of the page and click on “Potential Impact,” enter some personal information and the site will tell you if you’ve been affected. Be sure you’re on a secure network (not public wi-fi) when you submit sensitive data over the internet.

How can I protect myself?

How do I contact the three major credit bureaus to place a freeze on my files?
Equifax: Call 800-349-9960 or visit its website
Experian: Call 888-397-3742 or visit its website
TransUnion: Call 888-909-8872 or visit its website

Where can I get more information about the Equifax breach?
You can learn more directly from Equifax at You can also learn more by visiting the Federal Trade Commission’s web page on the breach at To learn more about how to protect yourself after a breach, visit