Basic Business
A straightforward, low-cost account. Let’s start with the basics and add what you need.
Business Builder
Add a package of electronic services to improve efficiencies — all for one monthly fee.
Business Analysis
Built to handle the complexities of business with simple, effective account maintenance.
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.

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.

Frequently Asked Questions
Yes. You can allow users our “Standard Access”, which includes transfers, stop payment capabilities, and mobile deposit, or a “View Only” option.
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.
Yes, interest may be available on Basic Business Checking with Interest for eligible organizations.
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.
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.
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.