The Urban Trust Bank is a federally insured commercial bank with many of its branch locations situated within Wal-Mart stores.  The branches spread throughout the Florida and Washington, DC areas with its headquarters in Lake Mary, FL, as of June, 2008.  The mission of this bank is to offer value and quality service with a combination of common sense banking products. 

They offer a variety of services for both individual customers and businesses.  Some of their individual services include mortgages, savings, money market and checking accounts.  Some of their business services include several types of checking and savings accounts and money market accounts. 

The Urban Trust Bank has also begun to offer a very popular prepaid Visa card called the Urban Trust Success prepaid Visa card.  This is an excellent solution for someone who has had credit issues and may be having a problem getting a traditional banking account or credit account.  This card has a guaranteed approval, without a credit or employment check.  This is only a short identification verification process that is government required to complete the registration.  

The prepaid card offers all the great features of a traditional checking account combined with some of the benefits of owning a credit card.  In addition, there are no overdraft fees, no late payment fees or interest payments to contend with.  Your account can be accessed a number of ways all from the comfort of your living room, through the internet, mobile phone or your home phone.   If you are in the market for a new innovative way to do your banking then the Urban Trust Bank may just be the solution you’ve been looking for.