Online Investing from UBT

Go after your goals with help from people who care

With Online Investing from UBT, you can invest with confidence knowing our friendly, local experts are here and ready to help — and with no minimum investment required, it’s easy to get started.

  • New Investors

    New Investors

    Become a more confident investor

    New to investing and not sure where to start? Online Investing from UBT can help you get your financial goals on the right track, easily set up auto-deposits, and allocate assets based on your risk tolerance.

  • Hands-Off Investors

    Hands-Off Investors

    A “set it and forget it” investing approach

    If you feel like you don’t have the time or experience to manage your own investments, Online Investing from UBT offers optimized, automated options that handle the allocations and rebalancing for you — so you can spend your time doing what you love.

  • Hands-On Investors

    Hands-On Investors

    Make your portfolio your own

    We see you out there, DIYers, and we’re happy to let you set your own allocations to align with your goals, timeline, and risk tolerance within Online Investing. Get ready to dive in and start pursuing your goals your way.

Account options and fees


  • Cost is 0.5% of your balance annually + $10 annual fee ($0 minimum balance)
  • Free trades and transfersᶲ
  • Free automatic rebalancing
  • Our platform provider charges a $60 account closing fee


  • Cost is 0.5% of your balance annually ($0 minimum balance)
  • Free trades and transfersᶲ
  • Free automatic rebalancing
Why Online Investing with UBT?

Goal-based investing

Whether you’re saving for retirement, a honeymoon, or a new car, your online portfolio is designed to help you pursue your unique goals in a simple-to-manage way that makes sense for your situation.

Ongoing rebalancing

Your Online Investing portfolio features automatic reallocation and rebalancing based on your risk tolerance and time frame to help your investments stay on track toward hitting your goals.

Local support

Our teams are located right here in the Midwest, so you know your portfolio was built by people who understand their customers’ values and lifestyles and want to help each person reach their goals.

No minimums

Unlike other national financial institutions, we offer an option with no minimum balance requirement — and you can move funds from your bank account to your investment account and back again (and again).

Invest Your Way

Find an account that’s right for your goals

From individual taxable accounts to individual retirement accounts and Roth IRAs, Union Bank & Trust is here to help plan your future your way.

  • Individual taxable account

    An individual taxable account is your most flexible account option for saving and investing for things like travel or major purchases.
  • Individual retirement account

    An IRA is a great way to save outside of your employer’s retirement fund on a pre-tax basis, meaning the money you invest in your IRA isn’t taxed until it’s time to withdraw — usually in retirement. Please consult your tax advisor.
  • Roth IRA

    A Roth IRA is another great way to diversify your tax situation in retirement. Unlike a traditional IRA, a Roth IRA’s contributions are made after taxes are taken out, so your withdrawals won’t be taxed. Please consult your tax advisor.

The People Behind the Product

Portfolios backed by real people who really care

With Online Investing, you can rest assured that your money is invested in portfolios selected by real people (like Tom) who have your best interests in mind. They’ll use their decades of experience to help create online portfolios that align with a variety of objectives, risk tolerances, and timelines so you’re sure to find a portfolio that fits.


Frequently Asked Questions

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How do I withdraw money from my account?
  • Simply log in to your account and click My Profile, and Bank Accounts
  • Click Withdraw ($) icon
  • Select the Online Investing account you wish to withdraw from
  • Enter the amount you wish to withdraw
  • You will receive a pin code via text after clicking Remove Funds to confirm your withdrawal.
  • UBT does not charge trading fees or assess penalties for requested withdrawals or account closures. (Please note: our platform provider charges a $60 account closing fee for IRA accounts)
  • Please note:  With IRAs, you will have to select distribution type, and enter Federal & State tax Withholding percentages (0-100%).
  • Please note:  Possible IRS penalty if money is taken out of IRA before age 59 ½. Certain exemptions to the penalty are available
How do I set up a deposit?
  •  Simply log in to your account and click My Profile, and Bank Accounts
  • Click Add ($) icon
  • Select One-Time Deposit or Recurring Deposit 
  • Select the Online Investing account you wish to deposit into
  • If one-time deposit, simply enter the amount you want to deposit
  • If recurring deposit, simply enter the amount you want to transfer and the frequency
    • Then set the starting and ending dates or you can click on the No End Date radio button
  • Please note: With IRAs, you will have to select the contribution year
  • Review the information and when ready, click Add Funds
  • You will receive an email confirmation once the money has been transferred 
How do I link my Online Investing account to my UBT checking or savings account?
How do I deposit funds into my Online Investing account from my bank account?

You can deposit funds into your Online Investing account via ACH electronic transfer. There are no wire or transfer fees on our end, but you should check to see if your financial institution charges fees for your transaction. Note: We do not accept cash or checks.

What are the steps to open an online investing account?
  1. Walk through the questions until you get to the page congratulating you on opening your account.
  2. You will receive an email asking you to verify your email address.
  3. Once you verify your email address, log in to your account at
  4. You may receive an email asking for additional documentation for your identity before your account can be opened. No need to worry — we simply need a little more information to verify your identity. You’ll receive an email; follow the prompts to provide the requested information. In some cases, it’s as easy as uploading a picture of your driver’s license.
  5. If you were required to provide additional documentation, an investment professional will need to review and approve your documentation. Upon final approval, you will receive an email letting you know that you are now ready to log in. Log in to your account at

Investment products: Not FDIC Insured — No Bank Guarantee — May Lose Value.


Transfers are typically initiated through the Automated Clearing House (ACH) system. Although transfers to and from Union Bank accounts via ACH will not incur a charge, other financial institutions may charge for these services.