Business Checking

Let’s find the plan that works for your business.

The right business banking solutions help you seize opportunities and overcome challenges that each day brings. At the core of your business banking services is your checking account. Choose the right account for you, and add a variety of options to keep things running smoothly.

If you’d like help navigating the options, just call us, send an email, open an online chat, or stop by your nearest branch.

To apply, please call (402) 323-1557 or email business@ubt.com
  Basic Business Business Builder Business Analysis
The Basics A low-cost account designed with the small business in mind. Gain the efficiencies of electronic services at one monthly fee. Designed for the growing business. For businesses with large numbers of monthly transactions. Let us provide a sample analysis of your account.
Minimum Opening Deposit $50 $50 $50
Monthly Fee $12; waived when a $500 minimum daily balance is maintained Choose from a range of services to best suit your organization for one monthly fee of $50 $15.00 monthly maintenance fee
Interest Paid Interest may be available for eligible organizations No No; balances create Earnings Credits towards Transaction & Services fees  
Transaction & Activity Limited 250 free transactions per statement cycle, including deposited items, withdrawals, electronic debits and checks. 
If more than 250 transactions, a $.25 fee per additional transaction is assessed.
500 free transactions per statement cycle, including deposited items, withdrawals, electronic debits and checks.
If more than 500 transactions, a $.25 fee per additional transaction is assessed.  ACH activity (if selected) $.12 per item* 
Checking activity and service fees are offset by earning credits. Earnings credits are based on short-term market rates applied to your average positive available balance (less reserve requirements1).
Earnings credits can significantly reduce or eliminate monthly service charges.
Negative available balances are assessed a fee based upon the Bank's current lending rates.
e-Statements Free and encouraged; not required Required; if paper statement, an additional $5 monthly fee will apply. Free and encouraged; not required
Online Account Management Access with Business Banking Online Access with Business Banking Online
Create a package  that includes following business tools: ACH Services, Business Banking Online, Business BillPay, Business Credit Card, Business Debit Card, Checkmarc Check Recovery, Desktop Teller for one monthly fee. 
Access with Business Banking Online

 * Designed for ACH activity of less than 20 payments and total dollars less than $50,000 per period. 
 **No set up fee on Merchant Card Processing or POGO. 

You may also want to consider:

Value Edge Money Market

  • Invest $10,000 or more in a safe, federally insured account where you can earn attractive money market interest rates.
  • Potential for a higher rate based on your balance.
  • Access your account by check or ATM card

Union Money Fund

  • Opportunity to earn more interest with larger amounts of savings.
  • Funds are easily accessible.
  • Ability to write checks on the account

Certificates of Deposit

  • Opportunity to earn more interest with larger amounts of savings.
  • Choose terms from 3 months up to 5 years.
  • Get more detailed information here.

To apply, please call (402) 323-1557 or email business@ubt.com

 
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Federal law requires that a percentage of all funds on deposit must be held in reserve. This amount is deducted from the average positive available balance before the earnings credit is determined.


Important Information About Procedures For Opening A New Account—
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you; we may also ask to see your driver’s license or other identifying documents.