Lighten your load with a mobile wallet

Mobile wallets are now widely accepted at retail stores across the nation. If you’re not familiar, mobile wallets allow you to load participating debit and credit cards from most of the major card providers into an app preloaded onto most cell phones. Your phone can then be used to pay at registers and in participating apps and websites using a virtual card number.

Let’s take a high-level look at how mobile wallets can simplify your life by reducing the items you need to haul around when you’re away from home.

Bank cards

It may be a while before you can completely ditch your wallet due to some merchants not being set up for mobile wallet payments, but you can certainly start to thin it out right away. For starters, have you added your UBT credit or debit card to your smartphone’s mobile wallet yet? Using your mobile wallet is a fast, simple, and secure way to pay for goods and services. You can get started using your mobile wallet immediately by loading your UBT Visa® debit and credit cards into your phone’s mobile wallet — they’re compatible with Apple Pay®, Google Pay™, and Samsung Pay™.

When you use your mobile wallet to conveniently pay at the register or online, your payment will pull from your checking account or charge to your credit card balance — the choice is yours within the app!

Adding your debit card to your mobile wallet is also extremely handy when attending sporting events, as many venues (like Memorial Stadium in Lincoln) have moved to fully cashless concessions.

Tickets

Make your next flight, concert, or sporting event less stressful by loading your tickets into your mobile wallet! Storing them in your phone makes checking in at your plane’s gate, the concert venue, or the stadium a cinch — and no more worrying about where the tickets are, because they’re securely stored in your phone! Simply open your mobile wallet and pull up each ticket for the workers to scan and swipe through. 

Loyalty cards

The three main mobile wallets allow you to add your loyalty program cards into the app in addition to payment methods, further eliminating the need for a physical wallet. Most rewards cards use a barcode, and that code is captured by the app and stored to be displayed at checkout.

Gift cards

Another space waster in your wallet is gift cards (hopefully!) — and fortunately, your mobile wallet might be able to free up some space here too. If a merchant is set up for it, their gift cards might be loadable to your mobile wallet. Grab your stack of gift cards and start uploading them to make your physical wallet even lighter — in a good way! An added bonus is that you’ll also be more apt to remember to use them when you’re out shopping.

Final thoughts — and a chance to win $100*

Once you’ve added cards to your mobile wallet, the best thing you can do is get into the habit of using your mobile wallet first. Doing so will help you remember all the great things you’ve uploaded to it, and you can use up any gift cards that remain unused. 

Plus, now is a great time to go mobile: If you add your UBT debit card to your mobile wallet before December 19, 2025, you’ll have the chance to win $100!* Setup is easy — simply go to the Debit Cards section of your UBTgo app and follow the prompts. Once your card is in your mobile wallet, you’ll be automatically entered in the drawing — and you’ll be able to make easy, secure payments from your mobile device!

Ready to get started? We’ve got a great step-by-step tutorial about how to set up and use your mobile wallet. And, as always, our people are here to help. Stop by your nearest branch or talk to a Customer Support representative today for assistance.