How to open your checking account online

Opening an account is fast, easy, safe, and secure — and you can do it from the comfort of home.

June 01, 2021
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So you’ve done your homework and are ready to open your new Union Bank & Trust checking account online. That’s great! You’ve made the right choice. Our team of people is excited to help you make the most of your money. Now you might be wondering just how to go about opening your new checking account. Here’s a hint… it’s easy!

What you’ll need to open your account

To make this easy-peasy, we recommend gathering the items listed below before you start. If you plan to open a joint account, you’ll need all of the same information for the other person on the account. And don’t forget, a minimum opening balance may be required depending on the type of account you’re opening ($50 for Simply Free and Simply Free Platinum; $1,000 for Simply Free Plus).

  • Form of ID — Grab your driver’s license, passport, military ID, or state-issued ID.
  • Social Security number — Only U.S. citizens and permanent residents can apply online, so you’ll need to know your Social Security number or have your card handy.
  • Funding information — You’ll need your debit card, credit card, or the online banking credentials for the bank account you’d like to fund from.

Once you have this basic information rounded up, it’s time to get started!

Step 1: Opening your account online

First things first: Navigate to the personal checking page on our website, choose which type of account you’d like to open, and click the Open an Account button. From there, start by telling us if you’re already a UBT customer, a new customer, or are resuming an in-progress application. Next, tell us what state you live in — we can open accounts online for residents of Nebraska, Kansas, Missouri, and Iowa. Then, it’s time to enter your name, address, date of birth, SSN, and other basic information about yourself. This is also where you will indicate whether you wish to add a joint owner on the account.

Step 2: Fund your new checking account

You can open and fund your account by making the minimum opening deposit (if required) or a greater amount of your choosing. This opening deposit can be made via an automatic debit from one of your other bank accounts, or you can use a debit or credit card.

Step 3: Verify your information

The online application will automatically do a collective verification of all the information you entered. This step also includes verifying that the funds you wish to use to open your new account are actually there. If everything is good to go, you’ll automatically be moved forward in a few seconds. If anything needs additional attention, a real person from our Customer Support Team will reach out to help you.

After you open

Once you’ve completed the online account opening process, you’ll see your new account number (write it down, just in case), and you’re ready for even more great things! With your new account number in hand, let’s get you all the tools that will help make your life easier. Do your banking from anywhere by enrolling in UBTgo online and mobile banking and all that it has to offer. This is also the perfect time to move your direct deposits (like your paychecks) into your new UBT checking account. We have a handy form to help you with that, too. It's included in our Switch Kit.

You’ll also receive an email and a “welcome aboard” phone call from one of our friendly bankers, so if you have any questions about your new account, other services we have to offer, or their favorite type of food, they’ll be happy to answer them! And remember, if you need anything at all in the weeks or months after you open your account, we’re just a click, call, or chat away (we love to see you in person, too). We look forward to helping you — and most of all, thank you for choosing UBT!

As an added bonus...

Now is the perfect time to come to UBT. We’ll make a good thing even better by rewarding you with up to $200 when you open new checking and savings accounts with us and meet requirements. You get a bonus and a better bank — now that’s a win-win.

  • Personal
  • Managing Your Money
  • opening an account

Message and data rates may apply.

Checking offer not valid for primary accountholder on existing UBT personal checking account(s). Savings offer not valid for primary accountholder on existing Simply Savings or Simply Savings Student account(s). Offer not valid if existing checking or savings accounts closed 120 days prior to 06/01/2021. Receive $50 when you open a Simply Free Checking account and have $500 in electronic direct deposits posted within 90 calendar days of account opening. Receive $150 when you open an interest-earning checking account (Simply Free Plus, Simply Free Platinum, or Premium Interest Advantage) and have $2,500 in electronic direct deposits posted within 90 calendar days of account opening. Receive $50 when you open a Simply Savings account and maintain a $2,500 balance for 90 calendar days from account opening. Bonus is credited to your active account within 100 days of account opening if you meet requirements. $50 opening deposit required on checking accounts (Simply Free Plus requires a $1,000 opening deposit). Simply Savings requires a $2,500 opening deposit in new money. Various Annual Percentage Yields (APYs) offered for interest-earning checking accounts based on the account and balance maintained. For example, Simply Free Platinum requires a $100 minimum daily balance to earn .05% APY. Simply Savings earns .05% APY. APYs accurate as of 06/01/2021. Fees may reduce earnings; rates subject to change. Promotion offers limited to one new checking account and one new savings account per person and cannot be combined with other offers. Simply Free Platinum accounts are designed for people age 50 and over. Premium Interest Advantage is limited to residents of Douglas, Sarpy, and Washington counties in Nebraska. Promotions available 06/01/2021 to 09/30/2021.

Learning Center articles, guides, blogs, podcasts, and videos are for informational purposes only and are not an advertisement for a product or service. The accuracy and completeness is not guaranteed and does not constitute legal or tax advice. Please consult with your own tax, legal, and financial advisors.