UBTgo Mobile App

Carry your bank in your pocket

If you have your mobile device, you have your bank. The UBTgo app lets you do nearly everything you can do on the desktop, right from the palm of your hand. And with the latest release, we’ve made lots of improvements that make your UBTgo experience even better:

  • Faster, easier mobile check deposit
  • A clearer picture of your account balances for easy scanning
  • Speed enhancements and a sleek updated design
  • And much more

Download the new release today from your device’s App Store and enjoy a better mobile banking experience.

Why download the UBTgo app?

Mobile check deposit

Deposit your birthday money before your candles are even done smoking. You can deposit checks whenever, wherever. Just be sure to endorse the back of the check with the words “For Mobile Deposit Only at Union Bank” along with your signature when you deposit your check.

Debit card controls

Lose your debit card? Turn it off. Find it the next day? Turn it back on. Keeping tabs on your debit card has never been easier. You can also set up real-time card alerts for transactions on your card, restrict transactions for certain types of purchases, and place location controls on in-person purchases.

Biometric authentication

Logging into UBTgo should be fast, easy, and secure — and with biometric authentication, it’s all three. Once you enroll, logging in is a snap with Apple Touch ID®/Face ID® or Android Fingerprint™. Say hello to one-touch login and goodbye to typing in your password every time you want to access your account.

Fast Balance

Sometimes, all you need to know is how much money is in your account. Enter Fast Balance. Once you enable this feature, you’ll be able to see balances for the account(s) you specify without having to log in. Simply tap the Fast Balance bar on the top center of the login screen — no tiny keyboard required.

Personal BillPay

Save yourself a trip to the mailbox

Binge-watching shows is fun. Remembering to pay your cable bill is not. Set up your bills to be paid automatically, on whatever day you choose, with BillPay from UBT. There are no monthly fees, and you can even transfer money between your accounts at different financial institutions and set up reminders for upcoming bills.

Frequently Asked Questions

Can I pay my loan with an external account?

Yes. You can set up your loan payments with an external account in the same way you would with a UBT account.

Can I pay a small business with Zelle®?

Some small businesses are able to receive payments with Zelle®. Ask your favorite small business if they accept payments with Zelle®. If they do, you can pay them directly from your mobile app using just their email address or U.S. mobile number.

Neither UBT nor Zelle® offers a protection program for any authorized payments made with Zelle®, so you should only send money to people (and small businesses) you trust. Always ensure you’ve used the correct email address or U.S. mobile number when sending money.

What are some fixes for common account aggregator problems?

Authentication issues: In some cases, your authenticator might fail on login or you may receive a message saying there is a problem with your bank.

  • Log in to your UBTgo account to verify you have the correct login credentials (username, password) and that multifactor authentication is correctly set up. It’s also good to ensure there are no updates to UBT’s Terms and Conditions that require acceptance. If none of these conditions exist, contact your third-party service provider for further support.
  • Important note: None of the current third-party account aggregators accept cookies. This means that each login from these aggregators is recognized as a new device triggering MFA every time.

Account issues: The third-party aggregator or service provider cannot find the right account.

  • Tip: Try manually linking your account. Some payment companies allow account connection via routing number and account number. If this doesn’t work, contact your third-party service provider for further support.
What account aggregator issues should I look out for?

UBT clients should contact their third-party account aggregator or service provider directly if they experience the any of the following issues:

  • Problems linking your UBT account(s) — fails after selecting account
  • Ability to display some but not all UBT accounts
  • Issues or questions concerning the exporting or downloading of transactions from your UBT account to third-party sites or dashboards
Is account aggregation safe and secure?

When using account aggregation, it’s important to weigh the convenience and benefits with the inherent risks of sharing your personal credentials and having all your financial information stored in one location. It’s equally important to fully understand the privacy terms and conditions and data security methods of any third-party account aggregation service provider you utilize.

Please note, UBT doesn't support third-party applications utilizing account aggregation with which we do not have a direct relationship. UBT’s security policy also doesn't allow third-party account aggregators to log in on behalf of our customers without their intervention.

How does account aggregation work?

Account aggregators register at each financial institution using credentials provided by you, the client. From there, they use “screen scraping” or an application programming interface (API) to gather and display your transaction and balance information. An API provides better security than screen scraping.

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