Loans & Building Credit FAQs

Can I apply for a personal loan online?

Yes-- You can apply for a personal loan HERE.

You may also stop by any Union Bank & Trust location or contact a loan specialist via phone at (402) 323-1789, or toll free (888) 828-4450.

Can I make a loan payment online?

Yes, you can make a loan payment online through our online payment portal

Once you have been directed to the Online Payment Center, follow the directions listed. Depending on the loan type, you may only be able to process a payment online using routing and account information. 

Other Payment Methods:

  • From your Union Bank & Trust checking or savings account: you can make a transfer through Online Banking or by contacting our Customer Support Team, at no charge.
  • Automatic Payments: Union Bank will pull your monthly payment automatically from your designated account at another financial institution. The authorization form can be requested by contacting our Customer Support Team at (402) 323-1777 or toll-free at (800) 297-2837 and is also free of charge.
  • By Phone: If you are making a payment by phone, there is a processing fee of $5. Payments can be made using routing and account information or with a credit or debit card.
  • In Person: You may also make a loan payment at any of our branches.
Does Union Bank & Trust offer credit cards? How do I apply?

Union Bank offers both Personal and Commercial Credit Cards.

To select the right card for you and apply online, click HERE for Personal Credit Cards and HERE for Commercial Credit Cards. You may also stop into any branch location or contact a loan officer by phone at 402-323-1789 or toll-free at 1-888-828-4450.

How can I access my credit card statements online?

Once logged into the Credit Card Online Banking (either via UBTgo or directly at, select “Statements” at the top of the screen and select “View Statements”.

You may view your activity by statement by selecting the statement period and then selecting “View Transaction Detail”. You may also view or print statements in PDF by selecting “View Statement PDFs”

What information do I need when I sign up to view my Credit Card online?

If you'd like to sign up to access your credit card statements, payments, and other features online, you'll need the following:

  • Internet access
  • A valid e-mail address
  • Your complete Union Bank & Trust credit card number
  • Your ZIP code
  • The last 4 digits of your social security number

Make your entries without dashes or spaces and continue to follow the sign-up instructions on the screen to complete your enrollment. When you have completed enrollment, you will be able to view your most recent statement and make online payments.

How can I make a credit card payment?

To make a credit card payment, you can do so through Union Bank's credit card website, by sending your payment through the mail (to the address on the remittance slip of your statement), stopping into a Union Bank branch, or by calling the number listed on the back of your card (1-800-221-5920).

Bankcard Processing Center

PO Box 6818

Carol Stream, IL 60197

Are there any fees for having a Union Bank & Trust credit card?

There are no Annual Fees associated with Union Bank & Trust's Rewards, Signature Rewards, or Commercial Cards.

Union Bank's Secured Credit Card has an annual fee of $25.00.

Late Payment Fees, Cash Advance Fees, or Interest Charges may be assessed. For detailed information regarding Fees associated with the credit cards, please contact us at (833) 323-1465 or view additional information by clicking HERE

How do I increase my credit card limit?

To request a Credit Card limit increase, you can stop by any of our branches or visit our Credit Cards web page and click the "Apply Now" button next to the card you have. This will open the application form. Indicate at the top of the application that you are requesting a Credit limit increase and the desired amount. Applications can be dropped off at any of our branches or mailed to us at:

Union Bank & Trust Company

Attn: Credit Card Division

P.O. Box 82535

Lincoln, NE 68501-2535

You may also speak with a loan officer by calling (402) 323-1789.

I lost my credit card. What should I do?

As soon as you discover your credit card is missing, call our Credit Card Customer Service center toll-free at (800) 221-5920 to report your card as lost or stolen. You may call 24 hours a day, seven days a week.

Do Union Bank Credit Cards offer rewards?

Yes. When you use your Union Bank & Trust Credit Card you earn one point for every dollar you spend on signature-based purchases. Points can be redeemed for cash back, merchandise, gift cards or travel. To learn more about Scorecard Rewards, call (800) 854-0790.

I locked myself out of the credit card website, who can I contact for assistance?

Please contact a UBT Credit Card Specialist at 402-323-1465, toll-free at 833-323-1465, and we will be happy to assist you.

What do I do if my credit card expires?

We will issue a new card approximately one month before your current credit card expires and will send it to your current billing address. Your current credit card will continue to work until the end of the month in which it expires or, until you activate your new card. We recommend activating your new card immediately, once you receive it. This can be done by calling our card activation center at (866) 444-0083. Please have your new card available when you call.

For additional questions, or if you have not received the replacement as expected, please contact our Credit Card Support at (402) 323-1465, or toll-free (833) 323-1465.

Be sure to shred your old card once the new one has been activated.

What is the minimumloan amount that I can apply for?

$2500 is the minimum amount that can be applied for on a loan.

What is the minimum credit score for a ready loan?

The minimum credit score needed for a ready loan is 670.

What is the minimum credit score for an auto loan?

The minimum credit score for an auto loan is 650.

How long does it take to get the funds if I am approved for a loan?
  1. We can close with docusign and normally have funds to you within 24 hrs.
Can I get discounts on loan rates?

Yes. You can get a .25% discount for being an existing UBT customer and a .25% discount if you set up automatic payments.

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).

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.

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 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.

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 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.

Loan products subject to credit approval.