University Checking Bonus
A $500 bonus* on your new account — now that’s smart.
Open your new University Checking account — designed exclusively for UNL faculty and staff — meet a few requirements, and we’ll kick in a $500 bonus!*
- Receive $2,500 in direct deposits within 90 days
- Enroll in paperless statements within 90 days
Open your new account in person or online!
University Checking
Earn 3.85% APY on balances $100,000 and under¹
University Checking gives you all the privileges of a checking account, and you can earn premium interest. Simply have the following activity each statement cycle:
- 12 Visa® debit card purchases posted
- Receive paperless statements
- Access online or mobile banking
- One direct deposit posted
That’s it! There are no monthly maintenance fees — just 3.85% APY on balances of $100,000 and under and 1.20%–3.86% APY on balances over $100,000 (when requirements are met)¹ on the account you use every day — because you deserve a little bonus.
Free Download
Your UNL Financial Toolkit
New to the UNL faculty or staff? While you get acclimated to your new surroundings, we’d like to help make the transition easier for you. We’ve created a UNL Financial Toolkit that you can download, chock full of vital information about UNL and Lincoln. Click below to download this handy toolkit!
CDs and money markets
Investing for your future is always a smart move, and we’ve got plenty of options to make it easy. See how our certificates of deposit and money markets can help round out your savings plan.
Auto and personal loans
Whether a new car is on your road map or you’re starting a home renovation project, our flexible financing options will help you achieve your goals sooner than you think.
Home loans
Are you in the market for buying or building a new home, or looking to refinance your current home loan? Our experienced home loan team can help you find the right loan for your needs.
Wealth management
From investment management to estate planning, trust administration to financial planning, our wealth management team offers a full breadth of services to help you plan ahead.
A Banker Just for Faculty & Staff
On-campus convenience, here when you need us.
Our people go the extra mile because it’s just the right thing to do. People like Tom, whose entire goal is to serve UNL faculty and staff. He’s experienced, he’s knowledgeable, and he can connect you with UBT experts who can guide you through core banking services, home and personal loans, wealth management, and more, all with your best interests in mind.
Whether you’re already a UBT customer or not, we invite you to come visit us today for a free financial planning session.
University Checking Details
An account just for UNL employees
| Must be UNL faculty, staff, or administrator |
| No monthly fee |
| Up to 3.85% APY on balances $100,000 and under, and 1.20%–3.86% APY on balances over $100,000 (when requirements are met).¹ |
| Unlimited free ATM transactions² |
| Other benefits: |
| University Checking debit card with increased daily withdrawal and purchase limits³ |
| Free paperless statements (required to earn qualifying APY) |
| 24-hour account access through UBTgo, with online and mobile banking,⁴ mobile deposits,⁴ Bill Pay, e-Alerts, and Zelle®. |
| Free, unlimited check writing |
| Free safe deposit box for the first year (where available)⁵ |
| One free NSF fee waiver per year⁶ |
| Short-term Federal Investment Trust** |
| Relationship Advantage: Maintain $10,000 in total deposits with Union Bank (excluding health savings accounts) to automatically waive selected fees on one personal checking account, plus ATM Usage Fee at Non-UBT ATMs (excludes surcharges from ATM owners) are waived on your checking and savings accounts. |
1) 3.85% Annual Percentage Yield for balances $100,000 and under and 1.20%–3.86% APY for balances over $100,000 applicable if you meet the following requirements each statement cycle: 12 debit card purchases posted (excludes ATM transactions), receive paperless statements (requires enrollment via online or mobile banking and ongoing valid email address), access online or mobile banking, and one direct deposit posted. If requirements are not met 0.20% APY applies to entire balance. Fees may reduce earnings. APY accurate as of 01/1/2025. Rates subject to change. (2) Excludes surcharges ATM owners may assess. (3) Visa Gold Check Card daily limitations apply; ATM withdrawal limit of $700.00 (or your available balance, whichever is less) and point-of-sale purchase limit of $7,500.00 (or your available balance, whichever is less). (4) Message and data rates may apply. (5) Annual safe deposit box rental fee up to $80 (depending on the size of the box selected) waived for the first year when you open a safe deposit box of any size at any Union Bank location with available safe deposit boxes. (6) Waives one NSF Paid Item Fee/NSF Returned Item Fee per calendar year. This account is not affiliated with or endorsed by any college or university.
**Investment products: Not FDIC Insured — No Bank Guarantee — May Lose Value.
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.
Frequently Asked Questions
Visit ubt.com or download the UBTgo mobile app. Choose the registration option and fill out all of the information asked for.
For UNL international students, faculty, and staff:
If you do not have a social security number, use the first four digits of your UNL Student ID number unless otherwise instructed. If you haven't gotten a U.S. phone number yet, fill in the phone number field with zeros.
To access paperless statements via your web browser:
- Log into UBTgo and select Accounts > Statements
- Select the account for which you are wanting the statement(s). All statements available for that account for the last 24 months will be listed, with the most recent at the top.
- Click on the file(s) to download and save/open them.
- If you would like to print your statement, when the statement is open, select File > Print.
To access paperless statements via your smartphone:
- Log into UBTgo, tap the menu, and tap Accounts > Statements
- Select the account for which you are wanting the statement(s). All statements available for that account for the last 24 months will be listed, with the most recent at the top.
- Tap on a statement to open and view it.
No, Union Bank & Trust does not charge any fees to use Zelle® in UBTgo. Your mobile carrier’s messaging and data rates may apply.
No, Zelle® payments cannot be reversed.
You can only cancel a payment if the person you sent money to hasn’t yet enrolled with Zelle®. To check whether the payment is still pending because the recipient hasn’t yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select “Cancel This Payment.” If you do not see this option available, please contact our Customer Support team for assistance with canceling the pending payment.
If the person you sent money to has already enrolled with Zelle® through their bank or credit union’s mobile app, the money is sent directly to their bank account and cannot be canceled. This is why it’s important to only send money to people you know and trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.
If you sent money to the wrong person, please immediately call our Customer Support team to determine what options are available.
Please contact our Customer Support team. Qualifying imposter scams may be eligible for reimbursement.
Neither UBT nor Zelle® offers reimbursement for authorized payments you make using Zelle®, except for a limited reimbursement program that applies for certain imposter scams where you sent money with Zelle®. This reimbursement program is not required by law and may be modified or discontinued at any time.
Have Questions?
Get help from an expert
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*Offer not valid for primary accountholder on an existing UBT personal checking account or a personal checking account closed within the last 12 months. Receive $500 when you open a University checking account and complete the following within 90 calendar days of account opening: (1) have $2,500 in electronic direct deposits posted; and (2) enroll in paperless statements via online or mobile banking. $500 will be credited to your active account within 100 days of account opening if you meet the requirements. **Annual Percentage Yield (APY) accurate as of 7/21/2025. You must meet activity requirements each statement cycle to earn the Qualifying APY of 3.85% on the portion of your balance that is $100,000 and under; balances over $100,000 earn 1.20%-3.86% APY, depending on the total balance of the account. Activity requirements per statement cycle include: at least 12 Visa debit card purchases posted (excludes ATM transactions), receive paperless statements (requires enrollment via online or mobile banking and ongoing valid email address), access online or mobile banking, and one direct deposit posted. If the activity requirements mentioned above are not met, you will earn the Non-qualifying APY of 0.20%. Fees may reduce earnings; rates subject to change. Limit one per person and cannot be combined with any other offers. University checking accounts are designed for faculty or staff of UNL. Not affiliated with or endorsed by any college or university. Promotion available 7/21/2025 to 9/30/2025. Member FDIC
Loan products subject to credit approval.
Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
