Fund transfers made easy through UBTgo

Money movement — how money flows into, out of, and between your accounts — is a core part of managing your finances. We have several options available to you within UBTgo, whether you’re moving money between UBT accounts or between multiple financial institutions. Read on for in-depth instructions on setting up transfers depending on your needs. 

Transfer money between UBT accounts in UBTgo

You can move money between UBT accounts and pay UBT loans by making transfers between UBT accounts. Transfers and payments between two UBT accounts or loans can be made immediately, future-dated, or on a recurring basis. 

To transfer funds immediately between UBT accounts or from a UBT account to a UBT loan:

1. Choose the From and To accounts.
2. Input the amount that you wish to transfer.
3. Under Schedule, select Immediate.
4. Enter a description (optional). This is only visible to you in the Transfer History.
5. Click Continue. You will see a verification screen showing you information about the transfer that will be created.
6. If you are satisfied with your transfer, click Transfer. To change the details, click Edit Transfer. To cancel, click Cancel.

To set up a future-dated or recurring transfer or loan payment from a UBT account to a UBT account:

1. Choose the From and To accounts.
2. Input the amount that you wish to transfer.
3. Under Schedule, select Future-Dated (One-Time) or Recurring.
4. Enter a start date using the calendar control.
5. For recurring transfers or loan payments, select the Transfer Frequency to determine how often the transfer will take place. You can also choose whether the transfer should be programmed to end on a specific date, after a set number of transfers, or it can be set to continue indefinitely.
6. Enter a description (optional). This is only visible to you in the Transfer History.
7. Click the Send me an email checkbox if you would like to be notified by email when the transfer is executed. (Note: This option is available only for transfers between your own accounts.)
8. Click Continue. You will see a verification screen showing you information about the transfer that will be created.
9. If you are satisfied with your transfer, click Transfer. To change the details, click Edit Transfer. To cancel, click Cancel.

(Note: From and To accounts cannot be the same. Internal transfers and payments (UBT account to UBT account/loan) submitted before 9 p.m. Monday to Friday (excluding federal holidays) will be processed same-day. Transfers and payments submitted after 9 p.m. CT on a business day or on weekends or federal holidays will post the next business day.)

Additional information about internal transfers

Once transfers have been set up or completed, you’ll be able to view additional details as needed: 

• Transfer Activity: This section allows you to view all scheduled transfers and transfer history between UBT accounts. You can also edit or cancel a scheduled transfer from this section.
• Scheduled Transfers: You can see all transfers that have been created for your accounts. Clicking on a column header will sort the transfers according to that header. For example, clicking on Amount will sort in order of Amount from the lowest dollar amount to the highest and vice versa. Amount indicates the amount of a transaction. You can also sort by Status, Frequency, Next Transfer Date, or the From and To accounts.
• Transfer Details: To access details about your transfers, click the arrow to the left of the transfer from account. This will show all the transfer details, including the description if one was entered. Under Transfer Details, you can also change the transfer by clicking Edit Transfer, or you can choose to discontinue the transfer by clicking Cancel Transfer.
• Transfer History: This shows all the transfers that have been completed for your accounts. Clicking on a column header will sort the transfers according to that header. For example, clicking on Amount will sort in order of Amount from the lowest dollar amount to the highest and vice versa. Amount indicates the amount of a transaction. You can also sort by Status, Frequency, Transfer Date, Completion Date, or the From and To accounts.

Create/edit a transfer to/from another financial institution

UBTgo allows you the ability to set up transfers with another financial institution. Once your transfer accounts are set up, you will be able to transfer funds back and forth with ease, giving you access to your money whenever you need it.

Adding an external bank account via the UBTgo app:

1. Enter your username and password to log into UBTgo.
2. Choose Transfer/Pay, then Transfer Money.
3. Tap the From account at the top of the screen and then Manage External Accounts. From there, choose Add Account and then External Bank Account.
4. Enter your external account’s routing number, account number, account nickname, and specify if the account is a checking or savings account. Once entered, click Add Account.
5. Now that your external account has been added and verified in UBTgo, you can set up transfers to and from that account. Transfers can be set up on a one-time, future-dated or recurring basis.

Making a transfer to/from another financial institution using the UBTgo app:

1. Log into UBTgo and tap Transfer/Pay, then Transfer Money
2. Choose the From and To accounts.
3. Input the amount that you wish to transfer.
4. Under Schedule, select Immediate, Future, or Recurring.
5. Enter a description (optional). This is only visible to you in the Transfer History.
6. Click Continue. You will see a verification screen showing you information about the transfer that will be created.
7. If you are satisfied with your transfer, tap Send to submit your transfer. Tap the back arrow to edit.

Adding an external bank account via a web browser: 

1. Enter your username and password to log into UBTgo.
2. Navigate to Transfer Accounts under the Transfers menu. From there, choose Add Account, then External Bank Account.
3. Enter your external account’s routing number, account number, and account nickname and specify if the account is a checking or savings account. Once entered, click Add Account.
4. Now that your external account has been added and verified in UBTgo, you can set up transfers to and from that account. Transfers can be set up as immediate (one-time), recurring, or future-dated.

Making a transfer to/from another financial institution using a web browser:

1. Log into UBTgo and click on Transfers.
2. Complete the fields under the Make a Transfer section:
   
   1. Select the appropriate accounts in the From and To drop-down.
   2. Enter the amount you would like to transfer.
   3. Select Immediate (One-time), Future, or Recurring Transfer.
   4. Select the Transfer Date using the scheduling calendar if making a future-dated transfer.
3. Click on Continue to verify your transfer details. Click Transfer to submit your transfer, or click Edit Transfer to go back and edit your transfer details.

Additional external transfer actions

• See history of transfers between other financial institutions: You can view your history of transfers made with other financial institutions via a web browser by clicking Transfers, then Transfer Activity. Information will be available in the Transfer History tab. In the UBTgo app, this is available by tapping Transfer/Pay and scrolling down to Bills & Transfers History.
• Manage transfer schedules between other financial institutions: You can view and manage your scheduled transfers between other financial institutions via a web browser by clicking Transfers, then Transfer Activity. Information will be available in the Scheduled Transfers tab. In the UBTgo app, this is available by tapping Transfer/Pay and accessing the Scheduled Bills & Transfers section.

Making loan payments

If you’re looking for more information about how to make loan payments, click here. You have options to pay your UBT loan via a transfer from a UBT checking or savings account, setting up payments from an external account, or making a one-time payment via our loan payment system. 

If you have any questions about using UBTgo or your accounts, please contact our Customer Support team at 833.323.1454 or start a secure chat.