The bank goes where you go

Frequently Asked Questions

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. 

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.

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 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.
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.
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.

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