Checking & Savings

Open an account of your own

Whether you need a place to store your funds, a debit card to spend with ease, or a way to learn lifelong money skills, our tools and resources can help you start your financial journey.

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  • Checking
    Simply Free Student

    Start banking with an account that fits

    Opening your first checking account is a big deal, and we think it deserves to be celebrated. Enjoy all the benefits of a checking account with UBT — like instant-issue debit cards, no monthly maintenance fees, and easy online access — plus some extras:

    • A $10 credit¹ when you pair your account with a Simply Savings Student account and enroll in RoundUp for automatic savings
    • Two non-UBT ATM fee waivers²
    • Free designer debit card
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  • Savings
    Simply Savings Student

    A safe place to stash your cash

    It’s never too early to open a savings account — especially one that’s designed to offer the features you need the most. With a Simply Savings Student account, you’ll get tools and resources that make saving your money a snap, plus no monthly maintenance fees and the ability to earn interest. (See current rates here.)

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  • What’s Next?
    Set Yourself Up for Success

    Banking that grows with you

    As you continue to grow, your banking needs will too. Luckily, UBT is here to guide you through every step of your financial journey, and we provide several accounts to level up to once you’re ready to move on from our youth bank accounts. Take a look at some of the options we have to offer below.

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Designer Debit Cards

Wear your personality on your debit card

With a Simply Free Student account, you can express your unique self with a debit card design that fits your personality — whether you’re into video games, sports, or something a little more quirky, like pineapples. Plus, if you lose your debit card, we can have a new one printed for you on the spot in one of our branches.

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.

Download for Apple®
Download for Android™
A screenshot of the UBTgo mobile app.
Learn more about managing your money
Finding a place of your own

Living on your own after high school? There’s a lot to consider — and we can help. Check out some handy tips we’ve put together.
P2P payments

Learn some best practices for using peer-to-peer payment services that allow you to transfer funds to others instantly.
Budgeting your wants and needs

Budgeting is a key part of managing your money, and it starts with being able to identify what qualifies as a need vs. a want. 
Purchasing your first car

Tackle the car-buying process confidently with our guide containing a comprehensive list of what you’ll need to consider.
How to bank with UBT

See the different ways you can bank with us, plus how to reach out and get help from our friendly bankers.
Student loans

Read about the different types of loans there are, determine which ones make sense for you, and see how to apply.
Need Help?

Our friendly bankers are here for you

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Jamie Nordstrom
Branch Manager
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Simply Free Student account for ages 25 and under. (1) $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. (2) ATM usage fee at non-UBT ATMs waived on first 2 transactions posted per statement cycle (does not waive surcharges some ATM owners may assess.)

Message and data rates may apply.

iPhone®, Apple Pay®, Apple®, and App Store® are registered trademarks of Apple Inc.

Android™, Google Play™, and Google Play logo are trademarks of Google LLC.