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At UBT, your money has people
We're a family-owned bank that cares about our customers, the communities we serve, and each other. When you call or chat looking for support, you are talking to real people (like Jesse) who really care.
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Updates for your next branch visit
UBT will be following all local directed health measures; as such, masks are required indoors at our Lincoln locations. We may ask you to lower your mask to identify yourself at our secured entrances or when you meet with a teller or banker. For other locations, masks can be worn at your discretion.
We continue to have a number of social distancing safeguards in our branches, so please keep your eyes peeled for updates on how to make the most of your next visit to a branch. See you soon!
Frequently Asked Questions
Some small businesses are able to receive payments with Zelle®. Ask your favorite small business if they accept payments with Zelle®. If they do, you can pay them directly from your mobile app using just their email address or U.S. mobile number.
Neither UBT nor Zelle® offers a protection program for any authorized payments made with Zelle®, so you should only send money to people (and small businesses) you trust. Always ensure you’ve used the correct email address or U.S. mobile number when sending money.
Interest on a HELOC or a home equity loan is deductible if you use the funds for renovations to your home — the phrase is “buy, build, or substantially improve.” The caveat here is that the money must be spent on the property whose equity is the source of the loan. (We strongly encourage you to consult your tax professional for guidance that applies to your own unique circumstances.)
That totally depends on your circumstance, and it’s certainly not an either/or situation. But typically, your available balance on a HELOC is higher than a credit card, and because this line of credit is secured by your home, HELOC interest rates are generally lower than what credit cards offer. That’s why it works well for large projects, leaving your credit card free for the everyday stuff.
This part is really easy, especially if you have a UBT checking account. You can make a payment on your HELOC in any local branch, online within UBTgo, or on your phone using the UBTgo mobile app (message and data rates may apply).
You can choose to pay off any remaining balance owed against your HELOC at any time. If you pay off your HELOC balance early, you have the option of leaving it open for future borrowing.
You can make interest-only or principal-plus-interest payments the entire term of the HELOC if there is an outstanding balance. (Note: If your credit score does not qualify you for interest-only payments, you’ll pay 1% of the principal plus interest.) It’s worth noting that additional principal payments, if you can make them, would reduce the amount of your monthly payments. This information (principal, interest, and payment details) is always readily available to you, and you can set up an automatic payment for your convenience.