Business Checking Accounts

Get an account that works for you

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.

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Basic Business Business Builder Business Analysis
Minimum opening deposit of $50 Minimum opening deposit of $50 Minimum opening deposit of $50
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. 
Monthly fee of $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 monthly maintenance fee
Interest may be available for eligible organizations No interest paid No interest paid; balances create Earnings Credits towards Transaction & Services fees  
250 free transactions per statement cycle, including deposited items, withdrawals, electronic debits and checks. 
If more than 250, a $0.25 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 requirements**).
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 are free and encouraged; not required e-Statements are required; if paper statement, an additional $5 monthly fee will apply. e-Statements are free and encouraged; not required
Online account access with Business Banking Online 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 origination activity of less than 20 payments and total dollars less than $50,000 per pay period. 
**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.

Visa Business Debit Card

Convenient access to your funds

Managing your business checking account is easy with the Visa Business Debit Card. It gives you (or designated employees) the flexibility to purchase, deposit, withdraw, transfer funds, and check balances.

Person holding debit card with computer
What you’ll need to open business checking

Business formation documents

Articles of Incorporation, Articles or Certification of Organization, Articles or Certification of Partnership, etc.

Authorized individuals

Account signers, guarantors, or other authorized individuals must provide their name, position, Social Security number, personal address, date of birth, and government-issued ID.

Trade name and TIN

If your business operates under a different name than your legal business name, please bring the documentation you have filed with the Secretary of State’s office and your Business Tax Identification Number (TIN) or Employer Identification Number (EIN).

Beneficial owners form

Federal regulation requires us to obtain, verify, and record information about the beneficial owners of corporations, limited liability companies, partnerships, and similar businesses formed in the United States.

Business Banking Online

Your business, at your fingertips

For most business owners, there are no standard business hours. So wherever your day takes you, manage your business accounts when it works for you on your computer or on a mobile device.

In-Person Banking

Stop by your nearest branch

Whether you have questions, want to manage your accounts or open a loan, or just want to chat, we’re always happy to see you.

Treasury Management Services

At UBT, your money has people

Before we recommend any products or services, a treasury management expert — like Jan — will ask questions and take the time to listen to your needs and goals. Then, we’ll offer the right mix of services to get you there, backed by service you’ll only get from a family-owned bank.

Jan Sheridan

Frequently Asked Questions

Can I have multiple BBO users within my organization with different levels of access?

Yes. You can allow users our “Standard Access”, which includes transfers, stop payment capabilities, and mobile deposit, or a “View Only” option.

Are there fees with Business Analysis Checking?

The fees associated with a Business Analysis Checking account include a monthly maintenance fee as well as checking activity charges for debits and credits.  

Basic Fees Include:

Maintenance Fee - $15 monthly fee.
Balance MGT fee - Calculated based on average positive account balance that is maintained.
Electronic Debits - $0.15 per item.
Electronic Credits - $0.20 per item.
Deposited Items - $0.10 per item.
Regular credits - $0.27 per item.
Return check items - $7.00 per item.
Paid check off of account - $0.17 per item.

Other fees may apply depending on additional products & services that may be utilized.
Contact a Treasury Management Services representative for complete details.

Can I earn interest on my Basic Business Checking account?

Yes, interest may be available on Basic Business Checking with Interest for eligible organizations.

Are there any business overdraft protection options?

Yes. Typically, a line of credit is an effective form of overdraft protection for businesses. Visit with a Treasury Management Officer (402-323-1557) for more details.

Is a Business Debit Card available with Basic Business Checking?

Yes, a business debit card is available and encouraged for all business checking accounts.  There is no annual or transactions fees and the purchase detail appears on your checking statement.

Are there transaction limits for Basic Business?

Each Basic Business and Basic Business with Interest account includes 250 free transactions per statement cycle. These transactions include deposited items, withdrawals, electronic debits and checks. If there are more than 250 transactions, a nominal transaction fee is assessed. 

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