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  Special features No monthly maintenance or activity fees Earns interest —

 rate varies
Minimum opening deposit Age requirement Free Visa debit card & card design Non-UBT ATM waivers* Free online & mobile banking and paperless statements
Simply Free  





Simply Free Plus Earn higher interest when you meet certain requirements.** $1,000


Simply Free Student $50 bonus¹ (requires paperless statements and 10 point-of-sale transactions)



Ages 14 to 25

Simply Free Platinum Free specialty gray wallet checks and copies of checks provided in your printed statement. N/A

Ages 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 (ATM transactions do not apply), receive paperless statements (requires enrollment via online or mobile banking and ongoing valid email address), access online or mobile banking at least once, and one direct deposit posted.

Simply Free Student account for ages 14-25. (1) $50 deposited to your active account within 70 days of account opening when you meet these two requirements: enroll in paperless 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. (2) $10 Credit: New checking account customers only. Requires enrollment in Union Bank's RoundUp Program to an eligible Union Bank savings account within 60 days of checking account opening. $10 will be credited to active checking account within 70 days of account opening if you meet the requirements

Simply Basic

An account free of overdraft fees

For a small $5 monthly fee, our Simply Basic account is designed to offer a safe starting point for those who are building (or rebuilding) their financial footing. You’ll get handy features like a debit card, free online BillPay, and free online and mobile banking* — and oh yeah, there are NO overdraft fees. Plus, it comes with friendly support from real people who care about your success.


Effective as of June 18, 2024

Checking account rates

Simply Free Plus checking

$1,000 minimum to open

When activity requirements met**
Balance Interest Rate APY Range*
$0.01 to $100,000 3.85% 3.92%
Over $100,000 1.00% 1.30%–3.92%
When activity requirements not met**
Balance Interest Rate APY Range*
$0.01 or more 0.05% 0.05%

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


Simply Free Platinum checking

Balance Interest Rate APY*
$100 to $4,999.99 0.25% 0.25%
$5,000 to $9,999.99 0.50% 0.50%
$10,000 to $24,999.99 0.60% 0.60%
$25,000 and over 0.70% 0.70%

You must maintain a daily minimum balance of $100 to obtain the APY.

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.

Message and data rates may apply.

A screenshot of the UBTgo mobile app.
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 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 are waived on your personal checking accounts.

ATM freedom

Enjoy free, unlimited use of all non-Union Bank ATMs1 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. Qualifying personal accounts in which you are an owner will be included, as long as you are the primary account holder on at least one of those accounts. 

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.

Tom Jara

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.

1The non-UBT ATM usage fee will be credited back to your account at the end of each statement cycle for any non-UBT ATM usage fee assessed during the statement cycle. Your account must be in active (not closed) status at the time the credit is paid. 

*To qualify for the promotion, you must open your account online. Checking offer not valid for primary accountholder on an existing UBT personal checking account. Offer not valid if existing checking account closed within the last 120 days. Receive $150 when you open a Simply Free, Simply Free Plus, Simply Free Platinum, or University checking account and complete the following within 90 calendar days of account opening: (1) have $500 in electronic direct deposits posted; and (2) enroll in paperless statements via online or mobile banking. Bonus is credited to your active account within 100 days of account opening if you meet requirements. $1,000 opening deposit required on Simply Free Plus checking accounts. Various Annual Percentage Yields (APY) offered for interest-earning checking accounts based on the account and balance maintained. For example, Simply Free Platinum requires $100 minimum daily balance to earn .25% APY as of 5/1/2024. Fees may reduce earnings; rates subject to change. Promotion offer limited to one new checking account per person and cannot be combined with other offers. Simply Free Platinum accounts designed for people ages 50 and over. University checking accounts are designed for faculty or staff of UNL. Not affiliated with or endorsed by any college or university. Available 5/1/2024 to 6/30/2024. Member FDIC.