Managing Your Money for Financial Success

Helpful tips for day-to-day finances

Whether it's researching accounts to find the best fit for your needs or learning better ways to manage your money, we've got you covered.

Managing Spending
A woman holding a bunch of debit cards like a hand of playing cards.
Blog 7/30/25

Holiday-proofing your debit card

cartoon graphic of a person holding a phone that also has a wallet and the UBT logo on it
Blog 7/30/25

Lighten your load with a mobile wallet

a man leans on a table holding his phone and debit card while a woman sits on the couch behind him
Blog 7/29/25

Setting up card controls and alerts

Savings Strategies
short and long term emergency savings
Blog 5/1/25

Short- and long-term emergency savings

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Blog 7/1/24

Maximizing your emergency savings

a grid of small graphics such as stars, phone, camera, graduation hat
Blog 7/1/24

20 (or so) great reasons to choose UBT

Newest Resources
a mom and daughter sit together on the floor leaning up on the couch. the mom kisses the daughters head.
Blog 10/10/25

Budgeting with your recent high school graduate

a man sits in a rocking chair by a window with his laptop
Blog 9/23/25

Smart ways to maximize your CD strategy

a girl with curly hair and glasses sits at a laptop smiling
Blog 9/17/25

Budgeting after getting your first job

Frequently Asked Questions

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What types of personal loans are offered at UBT?

UBT offers Ready loans, auto loans, RV loans, and home equity loans.

Can I unknowingly make a purchase if I am in close proximity to a contactless-enabled terminal?

No. Contactless technology requires the merchant to first initiate the payment, and the contactless card must be held in close proximity (1 - 2 inches) to the terminal for a transaction to take place.

How long do I need to hold my contactless card to the contactless-enabled terminal?

You should hold your contactless card to the contactless-enabled terminal for 1 – 2 seconds.

How do I hold my contactless card to the contactless-enabled terminal?

The terminal reads the card best when it is flat over the Contactless Symbol, versus at an angle.

Do I actually have to tap my contactless card on the contactless-enabled terminal?

No. However, the card should be close (within 1-2 inches) to the Contactless Symbol on the

contactless-enabled terminal.

How do I know if I can tap to pay with my card?

Look for the Contactless Indicator on your card to know if you can use it to tap to pay for purchases.

Related Resources
a person wearing a blue shirt holds up five 100 dollar bills while sitting on a couch
Blog 3/19/25

How to spend an extra $500

how to reduce overdraft fees
Guide

Four tips to help reduce overdrafts

a mom and daughter sit together on the floor leaning up on the couch. the mom kisses the daughters head.
Blog 10/10/25

Budgeting with your recent high school graduate

Need Support?

Connect with our people online
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Terry
Senior Customer Support Specialist
Call 800.297.2837
Live Chat

Learning Center articles, guides, blogs, podcasts, and videos are for informational purposes only and are not an advertisement for a product or service. The accuracy and completeness is not guaranteed and does not constitute legal or tax advice. Please consult with your own tax, legal, and financial advisors.