Simply Free
Get the features you need most in your day-to-day life with our basic checking account.
No minimum opening deposit required
No monthly maintenance or activity fees
Simply Free Plus
Earn premium interest for savvy banking behaviors, like using your debit card or having a direct deposit.
Required minimum opening deposit of $1,000
Earn premium interest
No monthly maintenance or activity fees
Simply Free Student
Created for younger customers, ages 14 to 25
No minimum opening deposit required
$50 bonus when you meet the requirements¹
No monthly maintenance or activity fees
$10 RoundUp credit when requirements are met²
Simply Free Platinum
Made for those ages 50+, with perks like earning interest and free checks
No minimum opening deposit required
Earn interest
No monthly maintenance or activity fees
| Special features |
Bonus Offer |
No monthly maintenance or activity fees | Earns interest — rate varies |
Minimum opening deposit | Age requirement | Free Visa debit card & card design | Non-UBT ATM waivers† | Free online & mobile banking and paperless statements | |
|---|---|---|---|---|---|---|---|---|---|
| Simply Free |
|
$100* |
✓ |
N/A |
N/A |
N/A |
✓ |
N/A |
✓ |
| Simply Free Plus | Earn higher interest when you meet certain requirements.** |
$150* |
✓ |
✓ |
$1,000 |
N/A |
✓ |
✓ |
✓ |
| Simply Free Student | $50 bonus¹ (requires paperless statements and 10 point-of-sale transactions) |
✓ |
N/A |
N/A |
Ages 14 to 25 |
✓ |
✓ |
✓ |
|
| Simply Free Platinum | Free specialty gray wallet checks and copies of checks provided in your printed statement. |
✓ |
✓ |
N/A |
Ages 50 and over |
✓ |
✓ |
✓ |
†Waives 2 non-UBT ATM usage fees per statement cycle. Does not waive surcharges some ATM owners may assess.
**Statement cycle activity requirements: 12 debit card purchases posted (ATM transactions do not apply), receive paperless statements (requires enrollment via online or mobile banking and ongoing valid email address), access online or mobile banking at least once, and one direct deposit posted.
Simply Free Student account for ages 14-25. (1) $50 deposited to your active account within 70 days of account opening when you meet these two requirements: enroll in paperless statements via online and mobile banking and have 10 debit card purchases posted (excludes ATM transactions) within 60 days of account opening. New checking account customers only. Cannot be combined with other offers. (2) $10 Credit: New checking account customers only. Requires enrollment in Union Bank's RoundUp Program to an eligible Union Bank savings account within 60 days of checking account opening. $10 will be credited to active checking account within 70 days of account opening if you meet the requirements
Receive up to $150 bonus cash* for banking with us
Get up to $150 bonus cash* when you open a new UBT checking account and meet the following requirements within the first 90 days:
-
Have $2,500 in direct deposits posted
-
Enroll in paperless statements
Click below to get started earning your bonus — opening a checking account online takes less than 5 minutes!
Simply Basic
An account free of overdraft fees
For a small $5 monthly fee, our Simply Basic account is designed to offer a safe starting point for those who are building (or rebuilding) their financial footing. You’ll get handy features like a debit card, free online BillPay, and free online and mobile banking — and oh yeah, there are NO overdraft fees. Plus, it comes with friendly support from real people who care about your success.
Effective as of October 8, 2024
Checking account rates
Simply Free Plus checking$1,000 minimum to open |
||
| When activity requirements met** | ||
| Balance | Interest Rate | APY Range* |
| $0.01 to $100,000 | 3.59% | 3.65% |
| Over $100,000 | 1.00% | 1.27%–3.65% |
| When activity requirements not met** | ||
| Balance | Interest Rate | APY Range* |
| $0.01 or more | 0.05% | 0.05% |
**Statement cycle activity requirements: 12 debit card purchases posted (excludes ATM transactions), receive paperless statements via online banking (requires ongoing valid email address), access online banking, direct deposit posted.
Simply Free Platinum checking |
||
| Balance | Interest Rate | APY* |
| $100 to $4,999.99 | 0.20% | 0.20% |
| $5,000 to $9,999.99 | 0.40% | 0.40% |
| $10,000 to $24,999.99 | 0.50% | 0.50% |
| $25,000 and over | 0.55% | 0.55% |
You must maintain a daily minimum balance of $100 to obtain the APY.
UBTgo Mobile App
Find out why our app has 4.9 stars
The UBTgo mobile app is faster, sleeker, and now easier to use than ever — and judging by the reviews, our users agree! Visit your phone’s app store today to download the latest version and see for yourself how easy it can be to manage your money from anywhere.
Message and data rates may apply.
More reasons to choose checking with UBT
Relationship Advantage
Relationship Advantage automatically gives special checking account benefits to those with $10,000 or more in combined personal CDs, savings, checking, and IRAs (excludes HSAs). Learn more below.
Automatic savings
Our RoundUp Program allows you to round your purchase to the nearest dollar and deposit that automatically into your savings. Over time, it really adds up.
Protect your info
In partnership with Deluxe Provent, Union Bank offers you Identity Protection to help protect your personal information and accounts.
Peace of mind
At UBT, we know mistakes happen, so we offer overdraft solutions to fit your needs. Get peace of mind and a solution that works for you.
Debit Cards
Getting a debit card is fast (and easy)
When you open a new UBT checking account, you can choose from our designer debit card options and have one printed instantly at any UBT branch, or we can send it in the mail. (Need a replacement card? We can help with that, too — just visit your favorite branch to have a new one printed.)
Relationship Advantage: A premium program for our most invested customers
Fee Relief
With $10,000 in combined personal accounts (HSAs excluded), your debit activity fees are waived on your personal checking accounts.
ATM freedom
Enjoy free, unlimited use of all non-Union Bank ATMs1 as well as Union Bank ATMs.
(Note: This does not waive surcharges some ATM owners may assess.)
It’s automatic
Each month, we automatically check to see if you qualify — you don’t have to sign up. Qualifying personal accounts in which you are an owner will be included, as long as you are the primary account holder on at least one of those accounts.
Our People Make the Difference
At UBT, your money has people
We’re a family-owned bank that cares about our customers, the communities we serve, and each other. In addition to checking accounts, you’ll find all the financial services that make your life easier, backed by real people (like Tom), who really care.
Frequently Asked Questions
I need a voided check for my direct deposit, where can I get one?
A branch can print a direct deposit form for you. You can also download and print our Direct Deposit Form.
What is a checking account?
A checking account is a basic bank account that allows you to deposit and withdraw money in a variety of ways at your convenience.
How can I add someone to an account?
The fastest way to add someone to your account would be to stop into any branch location with them.
How can I remove an owner from an account?
We are not able to remove an account owner; a new account would need to be opened.
How can I close an account?
We require a signature from an account owner to close an account. The fastest and simplest way is to stop into any branch location.
Can I have multiple checking accounts?
Yes, Union Bank and Trust does not place limits on the number of checking accounts that you maintain with us.
Need More Help?
Find a banker near you
1The non-UBT ATM usage fee will be credited back to your account at the end of each statement cycle for any non-UBT ATM usage fee assessed during the statement cycle. Your account must be in active (not closed) status at the time the credit is paid.
*To qualify for the checking promotion, you cannot be a primary accountholder on an existing UBT personal checking account. Offer not valid if existing checking account closed within the last 120 days. Receive $100 when you open a Simply Free Checking account and complete the following within 90 calendar days of account opening: (1) have $500 in electronic direct deposits posted; and (2) enroll in paperless statements via online or mobile banking. Receive $150 when you open an interest-earning checking account (Simply Free Plus, Simply Free Platinum, or Premium Interest Advantage) and complete the following within 90 days of account opening: (1) have $2,500 in electronic direct deposits posted; and (2) enroll in paperless statements via online or mobile banking. Bonus is credited to your active account within 100 days of account opening if you meet requirements. $1,000 opening deposit required on Simply Free Plus checking accounts. Various Annual Percentage Yields (APY) offered for interest-earning checking accounts based on the account and balance maintained. For example, Simply Free Platinum requires $100 minimum daily balance to earn .20% APY as of 09/24/2024. Fees may reduce earnings; rates subject to change. Promotion offers limited to one new checking and one new savings account per person and cannot be combined with other offers. Simply Free Platinum accounts designed for people ages 50 and over. Premium Interest Advantage is limited to residents of Douglas, Sarpy, and Washington counties in Nebraska. Available 07/01/2024 to 11/22/2024. Member FDIC.
