UBTgo FAQs

What software do I need to view my e-Statement?

You will need the latest version of Adobe Acrobat Reader; you can download it from Adobe's Website.

Are e-Statements free?

Yes, e-Statements are free and are a convenient, safe, secure way to receive your checking and savings statements.

Do I have to enroll in UBTgo to receive e-Statements?

Yes, you must be enrolled in UBTgo to receive e-Statements.

If you are not enrolled in UBTgo, you may begin the enrollment process on our homepage, by clicking on "Register for UBTgo". Once you have completed the registration information, you will be prompted to create login credentials.

If you are currently enrolled in Online Banking, you can enroll in e-Statements from UBTgo by selecting Accounts>e-Statement Enrollment. Check the box on the right-hand side of the page for the account(s) you wish to enroll and the click "Save". A disclosures page will come up that provides terms and conditions, and you will be prompted to enter an "e-Statement Confirmation Code". Once these steps are completed, your account(s) will be enrolled.

What are the benefits and advantages of e-Statements?

At Your Fingertips

When you switch to e-Statements, you’ll get a secure, convenient and environmentally friendly way to access your monthly statements.

  • Receive an e-mail notification from Union Bank & Trust the day your statement is available.
  • Access your last 24 months of account statements and check images by logging on to UBTgo Online Banking.
  • View your statements 24-hours a day from anywhere with internet access.
  • Download and save your statements to view whenever it is convenient for you.

One Less Thing to Think About
We’ll notify you by e-mail when your statement is available. Then simply log in and view up to 24 months of statements and check images.

Safer Than Paper
An e-Statement can’t be stolen from your mailbox, delivered to the wrong house, or taken from your trash. Plus, you use your secure Online Banking login to access your statements.

Good for Earth. Good for You.
When you sign up for e-Statements, you’re extending the life of our natural resources. Plus, they are a free way to help you manage your checking and savings statements faster and easier. Now that's green.

To enroll in e-Statements: Please log into UBTgo using your existing username and password. From there, select Accounts > e-Statement Enrollment, and follow the sign-up process.

Will I still get a paper statement if I enroll in e-Statements?

No, the e-Statement is an electronic replacement for the paper statement. However, you may print your e-Statements, and/or save them to a disk or your hard drive.

Regardless of whether you are enrolled in e-Statements, you have access to the last 24 months' worth of statements within UBTgo.

To view/print a statement from Online Banking:

  • Log into UBTgo and select Accounts>Statements
  • Select the account for which you are wanting the statement(s).
  • All statements available for that account for the last 24 months will be listed, with the most recent at the top.
  • Click on the file(s) to download and save/open them.
  • When the statement is open, select File>Print.
What is an e-Statement?

An e-Statement is an electronic mail notification sent to your e-mail address the day your statement is available to view in UBTgo. The e-Statement will replace your current paper statement, providing you immediate access to your account information.

You may enroll in e-Statements by logging into UBTgo and selecting e-Statement Enrollment from the secondary menu. 

What is UBTgo and how do I enroll?

UBTgo allows you access to your accounts from your personal computer or smart device 24 hours a day, 7 days a week! You can review all the details of your Union Bank accounts, as well as check balances and track spending, transfer funds, verify payments, see if checks have cleared, access debit card controls, and access account statements.

To get started with UBTgo, click on "Register for UBTgo" link on our homepage.
 

How do I delete a payee from my BillPay (Payments)?

Once logged into UBTgo, select "Payments". This will direct you to the Payment Center. This page will show a list of your available merchants to pay. Simply locate the merchant you wish to delete and click on their name - this will expand the information related to this payee.

At the very bottom of this pop up box, should be 3 options:  "Save Changes", "Cancel" or "Remove..." - by selecting "Remove..." you will be asked once more if you want to delete that payee before it is officially removed.

How do I access my account information by phone?

Yes. TeleBank gives you quick access to account activity information, transfers, interest rates around the clock, every day of the week. You can obtain information on checking, savings, Certificates of Deposit, and loans including current balances, most recent transactions, make transfers between accounts or make a loan payment. There is no fee for access to TeleBank.

To sign-up for TeleBank, simply call our TeleBank line at (402) 323-1282 in Lincoln, or toll-free at (800) 828-2441.

You will be prompted to select your language preference, and then you will be asked to enter your account number and TeleBank PIN.

*Note: if this is your first time using TeleBank, you will need to use the last four digits of your Social Security Number as the PIN.

Please contact Customer Support with any additional questions at (402) 323-1777, or toll-free at (800) 297-2837.

Can I export transactions from UBTgo?

Yes, to download a file with your account activity that is compatible with Quicken/QuickBooks, log into UBTgo and select Accounts>Download for Quicken.
Select the account and date range of activity and then click on either "Download to Quicken" or "Download to QuickBooks".

You may also download activity in a file compatible with Excel. Once logged into UBTgo, select Accounts > Account Activity. Under the “Account Selection & Transaction Search” heading, select the account and search features and then click "Spreadsheet" to download.

Is Online Banking secure at Union Bank?

Yes. Keeping financial and personal information about you secure and confidential is one of our most important responsibilities. Your information remains secure because our computer systems are protected in the following ways:

  • Computer anti-virus protection detects and prevents computer viruses from entering our computer network systems.
  • Firewalls block unauthorized access by individuals or networks.
    Firewalls are one way. Union Bank protects its computer network systems that interact with the Internet
  • To ensure that information remains confidential, Union Bank uses encryption technology, such as Secure Socket Layer (SSL), on its web site to transmit information between you and the bank. This protects data in three key ways:
    • Authentication ensures that you are communicating with us and prevents another computer from impersonating Union Bank.
    • Encryption scrambles transferred data so that it cannot be read by unauthorized parties.
    • Data integrity verifies that the information you send to Union Bank is not altered during the transfer. The system detects if data was added or deleted after you sent the message. If any tampering has occurred, the connection is dropped.
How do I access my e-Statements through UBTgo?
  • Log into UBTgo and select Accounts > Statements
  • Select the account for which you are wanting the statement(s).
  • All statements available for that account for the last 24 months will be listed, with the most recent at the top.
  • Click on the file(s) to download and save/open them.
  • When the statement is open, select File > Print.
How do I find images of my checks in UBTgo?

If you are signed up for e-Statements, images of your checks are included in your statement. You can access the most recent 24 statements for your account in UBTgo. Once logged in, select Accounts>Statements.

Within UBTgo, you may also search for a specific check image. Once logged in, select Accounts>Account Activity. You can search for a specific check number or for any date range within the last 24 months. If an image is available for a transaction, there will be a small "check" icon under the item description. Clicking on that icon will open an image of the item in a new window, which can then be saved or printed.

Is there a fee to access UBTgo from my mobile device?

The UBTgo services offered for mobile devices (access to your accounts via a mobile web browser, the UBTgo app, and Text Banking) are free to use. However, your mobile provider's message and/or data rates may apply

Is there a fee to Pay a Bill through UBTgo?

There is no fee to enroll or pay bills (vendors) electronically. Personal Bill Pay includes additional features, which do incur transaction fees, including: 

  • Same-day payment - $9.95 processing fee
  • Overnight payment - $14.95 processing fee
Does Union Bank have a Mobile Banking App?

Yes. If you have an iPhone or Android smart phone, you can go directly to the App store to download and enroll in Mobile Banking. Search for Union Bank & Trust, then follow the on-screen prompts to get started.

You will have instant access to all the same information and services as UBTgo through the web site.

For security purposes, no personal or financial information will be stored on your phone. You will need to log-in to your account each time you want to access your account information. Union Bank does not charge a fee for utilizing the Mobile Banking app; however, message and data rates may apply.

Is Mobile Banking secure?

Yes. Mobile Banking is just as secure as Online Banking, offering the following safeguards:

  • Authentication of user name/password 128-bit Encryption
  • Transaction validation and reconciliation to detect fraud
  • Specific software and server protection to guard against malicious attacks
  • Full audit capabilities through event logs and reporting

Along with the implemented safeguards, Mobile Banking does not save any files with personal or financial information on your cell phone. All information stays strictly within Online Banking. Some phones may have logo and branding files that are copied to the device (app), however those files do not contain any personally identifiable information.

Which phones can I use for Mobile Banking?

There are hundreds of models supported, as well as a number of different operating systems, including (but not limited to): Android, BlackBerry, iOS, Symbian, Windows Mobile, Linux, Palm webOS and Maemo.

Mobile Banking also works with most pre-paid plans; however, you will want to check with your provider to ensure that it supports standard U.S. short codes.

What should I do if I do not get a response to a Text Banking command for UBTgo?

First, you will want to verify that you sent the request to Union Bank's unique short code: 441-98.

Also, you may need to check with your service provider to ensure that your phone is enabled to send and receive messages to and from a short code. You may also contact a UBTgo Support Specialist at 833-323-1454.

How will I know if I will be charged a fee within Bill Pay?

When using Bill Pay within UBTgo and selecting an option that incurs a fee, the fee will be displayed prominently on each page following that selection.

How do I access the UBTgo BillPay service?

BillPay (including Popmoney) can be accessed by clicking on the "Payments" tab within UBTgo.

Can a Bill Pay payment overdraw my account?

Yes. Like any other transaction, if you do not have enough funds in your account to cover the Bill Pay payment, you will incur our standard NSF Paid Item Fee or NSF Returned Item Fee and Continuous Overdraft Fee as applicable.

What happens if I set up a payment properly, but the payment reaches the vendor late?

CheckFree, our Bill Pay provider, guarantees all payments. If a payment is received late, CheckFree will cover a late fee, up to $50. BillPay Customer Service can be reached at 855-234-1241 between the hours of 6:00 AM - 12:00 Midnight CT, 7 days a week.

How do I set up new items in the UBTgo Bill Pay?

To access the UBTgo Bill Pay system, sign into UBTgo and select the "Payments" tab.

Payee information can be found on the Payment Center screen.

  • To set up a new vendor, click "Add a company or person to pay"
  • To review scheduled payments, view the section called "Pending Payments" in the right column of the Payment Center screen.
  • To make a payment, simply enter the amount and pay date next to the vendor name in the "Pay Bills" section.
How do I set up new items in the UBTgo Bill Pay?

To access the UBTgo Bill Pay system, sign into UBTgo and select the "Payments" tab.

Payee information can be found on the Payment Center screen.

  • To set up a new vendor, click "Add a company or person to pay"
  • To review scheduled payments, view the section called "Pending Payments" in the right column of the Payment Center screen.
  • To make a payment, simply enter the amount and pay date next to the vendor name in the "Pay Bills" section.
What is the cutoff time for UBTgo Bill Pay payments?

Transactions scheduled prior to 9:00 pm (Central Time) will be processed on the current business day. Transactions entered after 9:00 pm will be processed on the following business day (business day is every Monday through Friday, excluding federal holidays). 

What is Popmoney?

Popmoney allows customers to pay individuals electronically, directly to their checking account, using their mobile phone number, email address or account number.  It is free to enroll and send money "Standard" (3 business days) and "Next Day Delivery"  

How do I enroll in Popmoney in UBTgo?

To enroll, log into UBTgo and click the "Payments" tab. Once enrolled in the Bill Pay service, you are able to select the "Popmoney" tab.

How do I send money with Popmoney in UBTgo?

Within Bill Pay, click the Popmoney tab.  Then select "Send Money" from the main menu and follow the on-screen steps.  You will need to know the person's mobile phone number, email address or account and routing number.  

Please note: there are no fees for sending standard or next day delivery, however there is a $2.50 fee for sending instant delivery.  You can send money through UBTgo from any device.

What are the different ways I can send money to someone?
You can send money to someone using their email address, mobile number or account information:

  • Email address: your contact will receive an email with instructions on how to direct the payment into his or her account.
  • Mobile number: a text message will be sent to the recipient on your behalf with instructions on how to direct the payment into his or her account. You may want to tell your contact that standard message and data rates may apply.
  • Account information (routing and account number): the money will be deposited directly into your contact's account. You will also have the option to send an email to your contact

Receiving Money
When someone sends money to you, you will receive an email or text message.
If your financial institution offers Popmoney (such as UBT), you can log in to your account and direct the funds there. If your financial institution does not offer Popmoney, you can provide your account information at Popmoney.com, and your money will be sent to that account.
If you do not provide your account information, the payment will be automatically returned to the sender's account.
Money sent directly to an account will be automatically deposited. No action is required by the recipient.

How does my friend receive their Popmoney payment?

When you send a Popmoney payment, the recipient will receive a message (via text or email) inviting them to log in or enroll in Popmoney.  Once their enrollment is complete, the funds will be transferred.  There is no fee for your friend to accept the Popmoney payment. See full instructions here
 

Can I send a Popmoney request to multiple people?

Yes, you can send Popmoney payments to multiple people at one time. 

How do I request money through Popmoney in UBTgo?

Within Bill Pay, click the Popmoney tab.  Then select Request Money from the main menu and simply follow the onscreen steps and enter or select contacts.

What additional Popmoney features are available?

In addition to sending, receiving and requesting money, you may add these additional features to your payments:

  • Set recurring and/or scheduled payments for added convenience
  • Add an eGreetings to personalize your payment
  • Send money to multiple mobile phone numbers and email addresses at one time
  • Save time and import contact information from email providers, such as Yahoo, Gmail, Hotmail, etc. Or import contact information directly from your cell phone when using Mobile Banking
Are there any requirements to use Popmoney in UBTgo?

Yes. To have Popmoney, customers have a checking account and be enrolled in UBTgo and Billpay

Who is in the Popmoney network?

The Popmoney network is nationwide and includes over 1,700 banks and credit unions.  To find out if a bank is part of the network, you can visit www.popmoney.com

Can a friend accept a payment if their bank is not in the Popmoney network?

Yes, users who do not use a bank or credit union in the Popmoney network can use www.popmoney.com to send and receive money.

How do you edit or delete a scheduled transfer?

On an existing scheduled transfer, select the pencil icon to edit, or the trash can icon to delete, an existing scheduled transfer.

How do I deposit a check using UBTgo on my mobile device?
  • When logged into UBTgo from your mobile device, click on the "Deposits" on the bottom of the screen, or from the Menu at the top of the screen, select "Deposit a Check"
  • Be sure to endorse the back of the check with "For Mobile Deposit Only at Union Bank" and your signature
  • Select the account you wish to deposit into
  • Enter the amount of the check
  • Take images of the front and back of the check
  • Select "Make Deposit"
  • Successful deposits will be listed under ""View Deposit History"
  • Items deposited by 6 PM Central time typically post on the same business day
I am trying to deposit a check through the UBT app, but the image is not being accepted. What should I do?
  • •Endorse the back of your check with the words "For Mobile Deposit Only at Union Bank" along with your signature.
  • Choose a place with bright, but indirect sunlight to avoid shadows when taking the photo.
  • Place the check on a non-shiny surface against a background with a strong contrast between the check and surrounding area.  Clear all objects away from the check like books, keys, change or other shiny objects that may interfere with transmission.
  • Be sure that the check is flat.
  • Hold the camera directly over check.
  • Use the borders making sure the entire check fits within the space. Tap the screen on the check to focus the image.
  • The check must contain a readable check number, payee name, and endorsement.
  • The check must contain a readable MICR line at the bottom of the check.
  • The check must contain a readable character (numeric amount of the check and legal amount of the check.
  • The check must be drawn on an institution located within the United States.
     
I deposited a check using the mobile app. What should I do with that check, now that it has been deposited?
  • Write ‘Mobile Deposit, DATE (where DATE is the full date you deposited the check) on the front of the check.
  • Securely store your check for 5 days after deposit submission and destroy after 14 days.
    • Do not leave deposited checks lying around, do not put deposited checks in trash or recycle containers, unless they have been shredded first.
       
Can I deposit a check from my cell phone?
  • When logged into UBTgo from your mobile device, click on the "Deposits" on the bottom of the screen, or from the Menu at the top of the screen, select "Deposit a Check"
  • Be sure to endorse the back of the check with "For Mobile Deposit Only at Union Bank" and your signature
  • Select the account you wish to deposit into
  • Enter the amount of the check
  • Take images of the front and back of the check
  • Select "Make Deposit"
  • Successful deposits will be listed under "View Deposit History"

 

Deposit Limits
Funds Availability
$3,000 daily deposit limit per user Funds are normally received within two business days. Please keep your paper check until the funds are posted to your account. Once received, view your deposit status under Deposit History.
How do I set up online banking?

Visit ubt.com or download the UBTgo mobile app. Choose the registration option and fill out all of the information asked for. 

For UNL international students, faculty, and staff:

If you do not have a social security number, use the first four digits of your UNL Student ID number unless otherwise instructed. If you haven't gotten a U.S. phone number yet, fill in the phone number field with zeros. 

Can I move money to my account at a different bank?

Yes, using account to account transfers within personal Billpay, you can link an account you own at another financial institution. Once setup, you can easily send money to and from that account. Learn more by watching the demo in the Learning Center.

What is Money Compass?

Money Compass is a personal financial management tool that is built in to UBTgo. With Money Compass, you can:

  • See your UBT and non-UBT accounts with account aggregation
  • Create custom categories for transactions
  • Set spending targets
  • Create savings goals
  • Project cash flow
  • Track your net worth
  • Be alerted when you're approaching a spending target

Check out the demo to learn how to use this tool. 

Message and data rates may apply.