Simply Basic

No frills, no overdraft fees, no kidding

If you’re looking to build — or rebuild — your financial foundation, our Simply Basic account might be just what you need. For a small $5 monthly fee, you’ll get a safe place to deposit your paychecks, a debit card (but no checks to keep track of), and access to handy online tools that help make it easier to manage your money. Best of all? There are no overdraft fees!

An account that helps you keep more of your money

No overdraft fees

With a Simply Basic account, you can rest assured that there are no unexpected fees for you to worry about — your debit card and other transactions will simply be declined if you don’t have the funds.

Free online banking

A top-rated mobile app experience paired with free online banking and BillPay makes banking easy and convenient.

Safer than check-cashing businesses

Avoid the high fees charged by check-cashing and payday lending businesses. Deposit your money into your account, where it's protected by the FDIC up to applicable limits.

Free designer debit card

Choose from our library of debit card designs that let you show your personality wherever you swipe, whether you’re grabbing groceries or fueling up for a road trip.

Safe, eco-friendly paperless statements

Bank securely while securing the planet for future generations with easy-to-access paperless statements.

Local support from people who care

Take the guesswork out of banking with support from real people who are invested in your success, right here in your community.

A safe, affordable account you can feel good about

Whether you’re using direct deposit for your paychecks or bringing in a paper check, UBT has your back. We won’t charge a percentage of your pay, like check-cashing services do, and you won’t have to worry about unexpected fees. Plus, when you come to UBT, you’re working with people who have your best interests in mind. So stop by and see us!

Certifiably Safe

Committed to your peace of mind

This account is certified as a safe, affordable, and low-fee banking account by Cities for Financial Empowerment Fund, a nonprofit committed to improving the financial stability of low- and moderate-income households. 

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