Get the features you need most in your day-to-day life with our basic checking account.
Simply Free Plus
Earn premium interest for savvy banking behaviors, like using your debit card or having a direct deposit.
Simply Free Student
Created for younger customers, ages 14 to 25
Simply Free Platinum
Made for those ages 50+, with perks like earning interest and free checks
|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 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 $150†when 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.
Interested in Moving to UBT?
We’ll send info to make it easier
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.)
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
A branch can print a direct deposit form for you. You can also download and print our Direct Deposit Form.
A checking account is a basic bank account that allows you to deposit and withdraw money in a variety of ways at your convenience.
The fastest way to add someone to your account would be to stop into any branch location with them.
We are not able to remove an account owner; a new account would need to be opened.
We require a signature from an account owner to close an account. The fastest and simplest way is to stop into any branch location.
Yes, Union Bank and Trust does not place limits on the number of checking accounts that you maintain with us.
Need More Help?
Find a banker near you
†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.