Personal Checking Accounts

Choose a checking account that fits — and get rewarded

With a checking account from UBT, you can get all the features and benefits that matter most to you, plus a cash bonus of up to $150when you meet requirements.

Compare All

  Promotional Bonus Special features No monthly maintenance or activity fees Earns interest
interest rate varies
Minimum opening deposit Age requirement Free Visa debit card & card design Non-UBT ATM waivers* Free online & mobile banking and e-statements
Simply Free $50†  




Simply Free Plus $150† Earn higher interest when you meet certain requirements.** $1000

Simply Free Student $50¹  $50¹ (requires e-Statements and 10 point-of-sale transactions)



Ages 14 to 25

Simply Free Platinum $150† Free specialty gray wallet checks and copies of checks provided in your printed statement. $50

Age 50 and over

*Waives 2 non-UBT ATM usage fees per statement cycle. Does not waive surcharges some ATM owners may assess.

**Statement cycle activity requirements: 12 debit card purchases posted (excludes ATM transactions), receive e-Statements via online banking (requires ongoing valid email address), access online banking, direct deposit posted.

Simply Free Student account for ages 14-25. $50 opening deposit. (1)$50 deposited to your active account within 70 days of account opening when you meet these two requirements: enroll in e-Statements via online and mobile banking and have 10 debit card purchases posted (excludes ATM transactions) within 60 days of account opening. New checking account customers only. Cannot be combined with other offers.

Checking & Savings Offer

Get up to $200† and a better bank

If you don’t have both checking and savings accounts with UBT, there’s no better time than right now to get started — and earn a cash reward. Here’s how:

  • Get up to $150when you open a new checking account and meet requirements
  • Get a $50 bonus when you open a new Union Savings account and meet requirements

That’s up to $200 for bringing it all together at UBT. Plus, you can enjoy all the benefits of working with a family-owned bank that cares about our customers, the communities we serve, and each other.


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More reasons to choose checking with UBT

Relationship Advantage

Relationship Advantage automatically gives special checking account benefits to those with $10,000 or more in combined personal CDs, savings, checking, and IRAs (excludes HSAs). Learn more below.

Automatic savings

Our RoundUp Program allows you to round your purchase to the nearest dollar — or an amount you choose — and deposit that automatically into your savings. Over time, it really adds up.

Protect your info

In partnership with Deluxe Provent, Union Bank offers you Identity Protection to help protect your personal information and accounts.

Peace of mind

At UBT, we know mistakes happen, so we offer overdraft solutions to fit your needs. Get peace of mind and a solution that works for you.


Debit Cards

Getting a debit card is fast (and easy)

When you open a new UBT checking account, you can choose from our designer debit card options and have one printed instantly at any UBT branch, or we can send it in the mail. (Need a replacement card? We can help with that, too — just visit your favorite branch to have a new one printed.)

Relationship Advantage: A premium program for our most invested customers

Fee Relief

With $10,000 in combined personal accounts (HSAs excluded), your debit activity fees and return deposited item fees are waived on your personal checking accounts.

ATM freedom

Enjoy free, unlimited use of all non-Union Bank ATMs as well as Union Bank ATMs.
(Note: This does not waive surcharges some ATM owners may assess.)

It’s automatic

Each month, we automatically check to see if you qualify — you don’t have to sign up. Applies where the primary account holder is the same on the qualifying deposit accounts and checking account.

Our People Make the Difference

At UBT, your money has people

We’re a family-owned bank that cares about our customers, the communities we serve, and each other. In addition to checking accounts, you’ll find all the financial services that make your life easier, backed by real people (like Tom), who really care.


UBTgo Mobile App

Find out why our app has 4.9 stars

The UBTgo mobile app✳ is faster, sleeker, and now easier to use than ever — and judging by the reviews, our users agree! Visit your phone’s app store today to download the latest version and see for yourself how easy it can be to manage your money from anywhere.


Frequently Asked Questions

I need a voided check for my direct deposit, where can I get one?

A branch can print a direct deposit form for you. You can also download and print our Direct Deposit Form.

What is a checking account?

A checking account is a basic bank account that allows you to deposit and withdraw money in a variety of ways at your convenience.

How can I add someone to an account?

The fastest way to add someone to your account would be to stop into any branch location with them.

How can I remove an owner from an account?

We are not able to remove an account owner; a new account would need to be opened.

How can I close an account?

We require a signature from an account owner to close an account. The fastest and simplest way is to stop into any branch location. 

Can I have multiple checking accounts?

Yes, Union Bank and Trust does not place limits on the number of checking accounts that you maintain with us.

Message and data rates may apply.

Checking offer not valid for primary accountholder on existing UBT personal checking account(s). Savings offer not valid for primary accountholder on existing Simply Savings or Simply Savings Student account(s). Offer not valid if existing checking or savings accounts closed 120 days prior to 06/01/2021. Receive $50 when you open a Simply Free Checking account and have $500 in electronic direct deposits posted within 90 calendar days of account opening. Receive $150 when you open an interest-earning checking account (Simply Free Plus, Simply Free Platinum, or Premium Interest Advantage) and have $2,500 in electronic direct deposits posted within 90 calendar days of account opening. Receive $50 when you open a Simply Savings account and maintain a $2,500 balance for 90 calendar days from account opening. Bonus is credited to your active account within 100 days of account opening if you meet requirements. $50 opening deposit required on checking accounts (Simply Free Plus requires a $1,000 opening deposit). Simply Savings requires a $2,500 opening deposit in new money. Various Annual Percentage Yields (APYs) offered for interest-earning checking accounts based on the account and balance maintained. For example, Simply Free Platinum requires a $100 minimum daily balance to earn .05% APY. Simply Savings earns .05% APY. APYs accurate as of 06/01/2021. Fees may reduce earnings; rates subject to change. Promotion offers limited to one new checking account and one new savings account per person and cannot be combined with other offers. Simply Free Platinum accounts are designed for people age 50 and over. Premium Interest Advantage is limited to residents of Douglas, Sarpy, and Washington counties in Nebraska. Promotions available 06/01/2021 to 09/30/2021.