Contact Us

We’re here for you

We’re all personal bankers, which means that we are fully trained experts with the knowledge you are looking for. If you need assistance with account specific questions, please log into UBTgo and use a secure message.

Monday – Friday: 7 a.m. – 7 p.m. Central

Saturday: 8 a.m. – 5 p.m. Central

Sunday: 9 a.m. – 5 p.m. Central

Our People Make the Difference

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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Stop By a Branch

We’re always glad to see you!

It might have been a while since you last stopped by one of our branches, so we’d like to take the opportunity to personally welcome you back. At UBT, we have numerous locations conveniently located to make it easy to stop by and get help from a friendly face. Click below to find a branch near you!

Frequently Asked Questions

What goes into my mortgage payment?

Great question! As you work on a mortgage with your loan officer, they’ll go over all the terms and conditions and give you a disclosure with an itemized list of what you can expect to pay every month. Most mortgages will include your principal payment, interest, and escrow. Click here to get an in-depth explanation of all these terms and more.

Can I pay my mortgage online?

That’s the best way to do it! We’ve made making a loan payment as easy as possible. Here’s how:

The best way to regularly pay your mortgage is to set up automatic loan payments through UBTgo on a desktop computer or via our mobile app. After logging in, choose your mortgage from the list of accounts on your dashboard, then choose Make a Payment from the list of options. Choose the recurring payments option and pick the day of the month you’d like your payments to automatically pull from your account.

One-time automated payments can be made using the instructions above and choosing the One-Time Payment option. Or make a one-time automatic payment via phone by calling 888-267-1262. (Fees may apply for this service.)

Can I make payments every two weeks?

You can make your payment whenever the mood strikes. If you prefer to make payments every two weeks, you can use the instructions for online payments above to get it done. Please note that you’ll want to make sure your second payment pays the mortgage in full on or before your payment due date to avoid the payment being late.

How can I save on my next mortgage or refinance?

Here are a couple ways to save on your mortgage:

  • A surefire way to save on your mortgage is to pay extra. The extra amount is posted to your principal balance and will save you on interest on that amount.
  • End your PMI period early. If you put down less than 20% on a conventional mortgage, you’ll be required to pay private mortgage insurance to protect your bank from default. Once you cross that 20% equity threshold, however, you’re no longer required to pay PMI. Making extra payments is a great way to cross that threshold!
  • Improving your credit is another great way to pay less. The higher your credit score, the lower your interest rate — and that means less paid to the bank every month!
What’s an escrow account?

An escrow account allows your financial institution to pay the required homeowners insurance and property taxes for you. You pay a portion of your taxes and insurance premiums with your monthly mortgage payment, and we hold them in a separate escrow account for you. When your taxes or insurance premiums come due, we pay them on your behalf with the funds in your escrow account.

What’s an escrow analysis?

The escrow analysis we perform for you account each year helps us ensure there’s enough money in your escrow account to cover your taxes and insurance premiums. We’ll send you a summary statement called an escrow analysis. It includes a review of your payments and projections. This analysis helps us determine the amount needed each month for us to pay your taxes and insurance on your behalf.

Message and data rates may apply.