• UBTgo Mobile App

    UBTgo Mobile App

    Carry your bank in your pocket

    If you have your mobile device, you have your bank with you. Our UBTgo app lets you do nearly everything you can do via a web browser, right from the palm of your hand. With the UBTgo app, you have access to:

    • Fast, easy mobile check deposit
    • Quick Balance feature
    • Debit card controls
    • Open new accounts
    • And much more
    Someone holding their phone that is opened to the UBTgo mobile app.
  • UBTgo Online

    UBTgo Online

    Bank anywhere you have an internet connection

    Whether it’s from the comfort of your home or on the go, turn your web-capable device into your most convenient bank location. By logging in to UBTgo via a web browser, you have access to:

    • All your accounts in one convenient location
    • Debit card controls
    • Stop payment for checks
    • Transfer money to yourself and others
    • Pay bills
    • And much more
Someone making a purchase with a UBT card in their mobile wallet

Mobile Wallet

Pay on the go with your mobile wallet

Have you added your UBT credit or debit card to your smartphone’s mobile wallet yet? Using your mobile wallet is a fast, simple, secure way to pay for goods and services. Not sure how to get started? Check out our step-by-step tutorial at the link below.

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.

Quick Balance

Sometimes, all you need to know is how much money is in your account. Enter Quick 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 Quick Balance icon on the bottom right of the login screen — no tiny keyboard required.

A woman smiling as she looks down at her phone

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

How do I use a Zelle® QR code?

Zelle® QR code provides peace of mind knowing you can send money to the right person, without typing an email address or mobile number. 

To locate your Zelle® QR code, log into UBTgo, click “Send Money with Zelle®”. Next, go to your “Zelle® settings” and click “Zelle® QR code” and your QR code will be displayed under “My Code”. From here you can view your QR code and use the print or share icons to text, email or print your Zelle® QR code. To receive money, just share your Zelle® QR code. 

To send money, log into UBTgo, click “Send money with Zelle®”, click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Once you allow access to your camera, simply point your camera at the recipient’s Zelle® QR code, enter the amount, hit “Send,” and the money is on the way! When sending money to someone new, it’s always important to confirm the recipient is correct by reviewing the displayed name before sending money.

Once I submit my loan payment online through UBTgo online or mobile banking, when will my loan be paid?

If you’re paying from a UBT account prior to 9 p.m. CT on a business day, the payment will process on that same business day. If it’s after 9 p.m. CT on a business day or it’s a weekend or holiday, the payment will process on the next business day.


If you’re paying from a non-UBT account and submit your payment prior to 6 p.m. CT on a business day and you select the same day as the transfer date, the loan payment will credit on the next business day. If the payment is submitted after 6 p.m. CT on a business day or it’s a weekend or holiday, the earliest date available for you to select as the transfer date is the next business day. Your loan payment will then be credited within two business days.

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

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