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 on the desktop, 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
  • And much more

Download UBTgo 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.

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

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
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.

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3 NO PURCHASE NECESSARY. Void where prohibited. Participate in the Drawing by adding your UBT Debit or Credit Card to mobile wallet between Friday, March 1, 2024, at 12:01 a.m. Central Time and Wednesday, March 31, 2024, at 11:59 p.m. Central Time (the "Promotion Period"). You must be at least 18 years of age and a resident of the 50 United States or the District of Columbia at time of entry. Residents of the state of Maine are not eligible to participate. YOU MUST NOT BE PROHIBITED BY FEDERAL OR STATE LAW FROM ENTERING THIS DRAWING OR FROM WINNING THE PRIZE. You may enter only once. You need not be present to win. You may win only once. One winner will receive one (1) Visa® Gift Card valued at $250.00. Winner must pick up prize at a UBT Branch location of their choice by 5:00pm on May 3, 2024. Odds of winning depend on the number of entries received. This Drawing is in no way sponsored, endorsed, or administered by, or associated with Visa. Employees of Union Bank and Trust Company, its parent, subsidiary and affiliated companies, and the immediate family members (parents, siblings, children, and spouse) and/or those living in the same household (whether or not related) of each are not eligible to win. Member FDIC.