Building Credit

Set yourself up for success

Whether you're starting from scratch or repairing past damage, building and maintaining good credit is one of the best things you can do for your financial future. We'll help you learn how.

Frequently Asked Questions

Can I schedule my payment for a future date?

Yes. Simply select Future as your scheduling option. You’ll be able to select which date you’d like your payment to come out on.

Can I make my loan payment through the UBTgo mobile app?

If you are making a payment from your UBT checking or savings account, you can make a payment through the mobile app.

Can I be reminded when I have an upcoming payment due?

Yes. Setting up an Alert is fast and easy. Learn how to set up an Alert in our handy “Enrolling in UBTgo and setting up loan payments” guide, found here.

What if I don’t want to pay online?

You are welcome to stop by any of our branches to pay in person.

Can I pay my loan with an external account?

Yes. Once you’ve established and verified an external account, you can set up your loan payments from that external account in the same way you would with a UBT account. Get step-by-step instructions here. Please note: Not all loan types will qualify for this payment method; eligible loans currently include hospital or patient loans, dealer loans, personal and commercial agricultural loans, and Ready Loans.

Can I stop a recurring payment that was set up online through UBTgo?

Yes. On the UBTgo mobile app, a recurring payment can be stopped in the Move Money section. After you select the transfer, there is a Cancel Recurring Transfer button. If you’re logged into UBTgo on your computer, a recurring payment can be stopped by going to Transfers, then Scheduled Transfers. Simply tap the delete icon (the trash can).

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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.

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