Real Service from Real People

These bankers will be your partner

Whether it’s in our office or out in your fields, let’s talk about the right plan for you. UBT takes a fair, straightforward approach to your finances that you can rely on year after year. Whether you're expanding your acres or passing the farm to the next generation, you’ll get thoughtful, detailed guidance from real people (like Nora) who really care about your farm and family.

Nora Turner

Crop Insurance

Expecting the unexpected

From damaging drought and hail to fluctuating grain prices, your ag operation faces risks every year. Crop insurance is an important tool for mitigating these risks and protecting your profitability. Let’s talk about your operation, and we’ll guide you to a crop insurance solution that works for you.

  • Multi-peril crop insurance
  • Crop revenue coverage
  • Revenue assurance

Frequently Asked Questions

What is UBT's Wire SWIFT Code for receiving an international wire?


To assist our customers living abroad or with family members who live outside of the United States, we have an International Wire SWIFT Code. Use the information below to send a wire to a Union Bank & Trust account:

  1. Receiving Bank: Union Bank & Trust Co.
  2. SWIFT Code: UNTUUS42
  3. Beneficiary: Union Bank & Trust Co. Account Name
  4. Address: Union Bank & Trust Co. Account Address
  5. Account Number: Union Bank & Trust Co. Account Number
Why should I set my paycheck up for direct deposit?

Direct deposit of payroll provides you same-day access to your funds the day your employer issues your check. Eliminate mail delays and the added trip to the bank to make your deposit. With direct deposit, you'll simply receive your paycheck in your personal checking account on your payday. That's it!

To be eligible to receive Direct Deposit into your personal checking account, your employer must be enrolled in the service on their business checking account. If you are currently receiving a check, ask your employer if direct deposit is available. A branch can print a direct deposit form for you. You can also download and print our Direct Deposit Form.

What is Money Compass?

Money Compass is a personal financial management tool that is built in to UBTgo. With Money Compass, you can:

  • See your UBT and non-UBT accounts with account aggregation
  • Create custom categories for transactions
  • Set spending targets
  • Create savings goals
  • Project cash flow
  • Track your net worth
  • Be alerted when you're approaching a spending target

Check out the demo to learn how to use this tool. 

Can I move money to my account at a different bank?

Yes, using account to account transfers within personal Billpay, you can link an account you own at another financial institution. Once setup, you can easily send money to and from that account. Learn more by watching the demo in the Learning Center.

What are the advantages to my patients?

A patient account financing program helps your patients in the following ways: 

  • Manageable monthly payments
  • Patients able to add to their existing loan
  • Every patient is treated with a high level of respect and integrity
What patient account financing reports are available to us?

On a monthly basis you will receive:

  • Outstanding volume summary report 
  • Account-level information on new loans and repurchases sent daily
  • Analysis on the YTD repurchases and delinquent accounts
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Loan products subject to credit approval.