What you should know about banking with UBT
When we’re meeting new customers for the first time and helping them with their accounts, we’re frequently asked these questions.

As we answer these questions more and more in-depth, it dawned on us that we should blog about it. Read on!
1. How do I find the right account?
We all have our own unique financial situations, goals, needs, and lifestyles. And those change over time. In fact, most people don’t re-evaluate their checking account for nearly 20 years after opening it. Why not? It’s important to evaluate your banking — in this case, your checking account in particular — and ensure it’s still the best choice for you. (Plus, sometimes you can get sweet cash rewards for opening an account!)
Ready to find the right UBT account for you? Check out this blog article.
2. Can I get answers and support from real people when I need it?
You may be comfortable opening an account and doing your banking online, but when you have a question or an issue arises, you prefer to reach out to a real person. Better yet, a real person who actually works for the organization, not some far-away call center. At UBT, you have access to banking experts who really care.
Now is a good time to break up with your bank and switch to UBT. Check out this blog article.
3. Everyone says they provide great customer service — what sets you apart?
Many banks operate with more of a sales culture. At UBT, we go to great lengths to maintain a service culture. We don’t have aggressive monthly sales quotas; rather, our bankers will take the time to listen and recommend products and services that are right for you based on your financial needs and situation.
Ready for a bank that puts your best interests first? Check out this blog article.
4. What do other customers say about UBT?
Our goal is to provide you with a banking relationship that makes you so happy, you’ll tell your friends and family about it. But don’t take our word for it; check out what our customers have been saying.
They said it — and we appreciate it. See the blog article here.
Now is the perfect time to come to UBT. We’ll make a good thing even better by rewarding you with $500* when you open a checking account with us and meet requirements. You get a nice bonus and a better bank — now that’s a win-win.
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*To qualify for the checking promotion, you cannot be a primary accountholder on an existing UBT personal checking account. Offer not valid if existing checking account closed in the last 120 days. Receive $500 when you open a Simply Free, Simply Free Plus, Simply Free Platinum, or Premium Interest Advantage checking account and complete the following within 90 calendar days of account opening: (1) have $2,500 in electronic direct deposits posted; and (2) enroll in paperless statements via online or mobile banking. Bonus is credited to your active account within 100 days of account opening if you meet requirements. $1,000 opening deposit required on Simply Free Plus checking accounts. Various Annual Percentage Yields (APY) offered for interest-earning checking accounts based on the account and balance maintained. For example, Simply Free Platinum requires $100 minimum daily balance to earn 0.14% APY as of 5/8/2025. Fees may reduce earnings; rates subject to change. Promotion offers limited to one new checking account per person and cannot be combined with other offers. Simply Free Platinum accounts designed for people ages 50 and over. Premium Interest Advantage is limited to residents of Douglas, Sarpy, and Washington counties in Nebraska. This offer is only available in Nebraska and Kansas. Available 5/01/2025 to 9/30/2025. Member FDIC.