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
|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||Earn higher interest when you meet certain requirements.**||✓||✓||$1000||
|Simply Free Student||$50¹ (requires e-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.||✓||✓||$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.
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.