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United Bank delivers personalized, community-focused banking with the strength and resources of a larger financial institution. With local decision-making and long-term relationship-building at its core, United Bank helps individuals and businesses to thrive through customized financial solutions. Backed by more than 185 years of experience, strong leadership, and a commitment to safe and sound banking practices, United Bank is a trusted partner in the communities it serves.
Cara Smith is a Senior Staff Accountant at United Bank. Her responsibilities include handling all accounts payable (AP) tasks and performing month-end accounting work.
Before implementing AvidXchange, United Bank faced significant challenges with its accounts payable (AP) process. With 240 locations across eight states and thousands of active suppliers (vendors), United Bank needed a scalable solution that could accommodate its growing operations and evolving needs.
Their previous AP system was part of a broader enterprise resource planning (ERP) platform designed to manage core business functions like financials and human resources. While it offered a wide range of capabilities, the version the bank used was highly manual and not well-suited to the evolving needs of the AP team. Paper invoices had to be physically routed throughout the bank for review, approvals were handwritten, and credit card statements and expense reports were managed in Excel—leading to delays, data silos, and missed opportunities for process optimization. “The system we were using was very basic,” said Smith. “The version we were on at least was very, very basic, and we needed a more robust solution—something more versatile, that would give us better reporting and imaging and offer a more user-friendly experience.”
United Bank turned to AvidXchange to automate its AP operations with a more user-friendly and purpose-built solution tailored to the needs of financial institutions. Using AvidXchange’s web-based invoice automation platform designed to integrate seamlessly with core banking systems, the bank was able to streamline and digitize its AP process from invoice capture to approval. The solution offered a centralized, cloud-based inbox for submitting invoices, automated general ledger (GL) coding, and intelligent document processing powered by OCR—reducing manual entry and increasing accuracy. With advanced reporting tools and customizable workflows, United Bank gained real-time visibility into invoice status and approval routing, helping to eliminate bottlenecks and improve operational efficiency.
Implementation was smooth and highly collaborative. United Bank’s team participated in a combination of live group trainings and self-guided modules, all led by a team of experts at AvidXchange. “The training was fantastic,” said Smith. “We had a week of testing where we could get into the system and ask questions as they came up—which really helped us feel prepared before going live.” The AvidXchange team remained consistently responsive throughout the process, offering real-time support beyond email, setting up live sessions to resolve questions and tailoring the experience to United Bank’s needs.
In addition to transitioning platforms, the bank was also able to consolidate from 32 separate entities down to seven, making the implementation a significant milestone for operational simplification. “This was my first major implementation in over a decade,” added Smith. “And the support from the sales, training, and implementation teams made all the difference.” The solution’s scalability and intuitive interface made it a natural fit as the organization continued to grow—including a major merger in the first half of 2025.
Since adopting AvidXchange, United Bank has made significant, measurable strides in improving its AP operations. Following the recent merger, invoice volume has grown significantly, and the team now manages a database of over 11,000 active suppliers. AvidXchange has enabled United Bank to scale efficiently by automating manual tasks, centralizing invoice management, and streamlining approval workflows across its expanding organization.
Amid this increased complexity, AvidXchange has empowered the AP department with the ability to track invoice processing timelines—a capability that was not possible with their previous AP system. This added visibility has helped the team identify bottlenecks, reduce the number of outstanding items, and ultimately enable more efficient workflows and more timely payments. “In June 2025, we issued approximately 2,800 payments. AvidXchange has been fantastic for helping us manage this volume,” said Smith.
AvidXchange is now used across many of United Bank’s locations throughout the Mid-Atlantic and Washington metropolitan area, reinforcing the platform’s ability to manage complex, multi-entity environments. With automated workflows, paperless invoice management, and real-time visibility, AvidXchange has given United Bank the tools to grow faster, work smarter, and stay ahead of rising
“In June 2025, we issued approximately 2,800 payments. AvidXchange has been fantastic for helping us manage this volume.”
