Tap into convenience with your mobile wallet

Remember when we all figured out online grocery orders and home deliveries during the pandemic? Fast forward a few years, and it turns out we weren’t just adapting, we were futureproofing. These days, simplifying the everyday isn’t just convenient — it’s essential.

You may still be working full-time, or maybe you're busier than ever in retirement, navigating packed calendars, appointments, and maybe a book club or grandkid soccer game or two. With prices creeping up, it's important to pay closer attention to how you spend and look for smart ways to save both time and money.

So, when a meal kit shows up at the door just in time for dinner, or an Amazon order arrives that you don’t even remembering placing? That’s not lazy, it’s self-preservation (which is pretty smart).

Budget-friendly bonus: How to save while simplifying

Using services like Amazon or meal kits can actually help the budget — if you use them strategically. Here are a few team-tested tips:

• Subscribe & Save options: Get discounts on essentials you use all the time — vitamins, pet food, and even some grocery items. It’s set-it-and-forget-it, and the savings add up.
• Bulk buys: Stocking up on non-perishables (like paper products and toiletries) at lower unit prices means fewer mid-week runs.
• Meal planning: For smaller households, meal kits can help reduce food waste and cut down on takeout temptation. Plus, you can find healthy, ready-made options you’ll actually enjoy.
• Fewer impulse buys: Ordering online can help you stick to the list. Walking into a store after a long day? Self-control goes right out the window.
• Track it all in UBTgo: This is huge — you can see where your money’s going in real time, which makes budgeting a snap.

It’s not just about saving time — it’s about spending smarter, with a little help from tools that work with your routine, not against it.

Mobile wallets: A little tip worth trying

For the ultimate in online ordering convenience, let’s talk mobile wallet. A mobile wallet (like Apple Pay®, Google Pay™, or Samsung Pay®) securely stores your debit card on your smartphone. And adding your UBT debit card to your mobile wallet can make life a whole lot easier (and give your budget a little high-five while you’re at it).

It’s super easy to use your mobile wallet for online purchases. Just select the digital wallet option at checkout, then confirm the purchase using your phone’s security method — like a fingerprint, face ID, or PIN. It uses your stored debit card to complete the purchase securely, without needing to manually enter your card details. (Learn more about mobile wallets, including how to add your card, here.)

And by the way, mobile wallets work when you’re out and about, too — most retailers are set up to accept mobile wallet payments. That means you can pull out your mobile wallet at the grocery store, coffee shop, and maybe even the farmer’s market. It’s secure, fast, and always accessible (even if the physical card is at home). You just might find, after trying it, that you have one of those “why didn’t I do this sooner?” moments.

Is it secure? You bet.

Mobile wallets and saved cards use strong encryption and authentication to keep your info safe. And your UBT debit card has the same protections online as it does in-store.

That means you’re covered—whether you're tapping your phone or clicking Place Order.  Plus, with UBTgo, you can track transactions in real time and contact your banker if anything looks off. We believe in smart convenience, not risky shortcuts.

Try it and you could win!

We’d love to know you’re giving this a try — so we’re adding an extra incentive by giving away a $100 gift card!* Here’s what to do: Add your debit card to your mobile wallet between January 1 and February 28, 2026, by logging in to UBTgo, then navigating to Debit Cards. From there, click the prompt under the card image to add it to your mobile wallet, confirm your card’s information when prompted, and then click Add to Mobile Wallet. Once your card has been added, click here to fill out a form to be entered for your chance to win our $100 gift card* (and to let us know how your experience went)! 

You’re already managing a lot — your household, your calendar, your community — so why not let your debit card do a little more of the heavy lifting? Whether it’s stocking up for Sunday dinner prep or replenishing your vitamins, it’s one small step toward a smoother week.