Simply Savings
A basic savings account that offers the flexibility to easily deposit and withdraw money.
Simply Savings Student
An account specially designed for those 25 and under, with no maintenance fee.
Union Money Fund
A savings account with the opportunity to earn higher interest and write checks.
Value Edge Money Market
Earn higher interest on balances over $10,000 with easy account access.
| Minimum opening deposit | Monthly fee | Age requirement | Earns interest; see current rates | Six free debit transactions per calendar month | |
|---|---|---|---|---|---|
| Simply Savings | $25 | $3; waived with a $100 average balance | N/A | ✓ | ✓ $5 fee for each additional |
| Simply Savings Student | $25 | N/A | Ages 25 and under | ✓ |
✓ |
| Union Money Fund | $50 | $5; waived with a $1000 average available balance | N/A | ✓ | N/A |
| Value Edge Money Market | $10,000 | N/A | N/A | ✓ | ✓ $25 fee for each additional |
Checking & Savings Offer
Get up to $200† and a better bank
If you don’t have both checking and savings accounts with UBT, there’s no better time than right now to get started — and earn a cash reward. Here’s how:
- Get up to $150† when you open a new checking account and meet requirements
- Get a $50† bonus when you open a new Simply Savings account and meet requirements
That’s up to $200† for bringing it all together at UBT. Plus, you can enjoy all the benefits of working with a family-owned bank that cares about our customers, the communities we serve, and each other.
UBT HSA
Start saving for tomorrow’s healthcare expenses today
Our health savings accounts offer a triple tax advantage — and room to grow.
Your Money Has People
Real people who really care
Our people take pride in going the extra mile to help our customers, so you can relax knowing we have your best interests in mind. Beyond savings accounts, you’ll find a full range of services to help you grow your wealth — backed by real people, like Lauren.
Fee Relief
With $10,000 in combined personal accounts (HSAs excluded), your debit activity fees and return deposited item fees are waived on your personal checking accounts.
ATM freedom
Enjoy free, unlimited use of all non-Union Bank ATMs as well as Union Bank ATMs.
(Note: This does not waive surcharges some ATM owners may assess.)
It’s automatic
Each month, we automatically check to see if you qualify — you don’t have to sign up. Applies where the primary account holder is the same on the qualifying deposit accounts and checking account.
RoundUp
An easy way to save
When you use your Union Bank Visa® debit card, we’ll round up the total to the nearest dollar and automatically deposit the difference into your savings account. Over time, this change can really add up! It’s easy and free. Sign up at any UBT location.
Frequently Asked Questions
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.
Savings account statements are rendered quarterly. If you have a checking account and have elected for combined statements then you will receive a statement monthly.
A checking or savings account will become inactive after 12 months of no credit or debit activity.
Yes. You can buy electronic savings bonds as gifts TreasuryDirect. You can hold the bonds in your gift box area in TreasuryDirect until you’re ready to electronically deliver them to the gift recipient. The recipient must have a TreasuryDirect account (or be named on a minor linked account if under 18 years old).
†Checking offer not valid for primary accountholder on existing UBT personal checking account(s). Savings offer not valid for primary accountholder on existing Simply Savings or Simply Savings Student account(s). Offer not valid if existing checking or savings accounts closed 120 days prior to 05/02/2022. Receive $50 when you open a Simply Free Checking account and complete the following within 90 calendar days of account opening: (1) have $500 in electronic direct deposits posted; and (2) enroll in e-Statements via online or mobile banking. Receive $150 when you open an interest-earning checking account (Simply Free Plus, Simply Free Platinum, or Premium Interest Advantage) and complete the following within 90 days of account opening: (1) have $2,500 in electronic direct deposits posted; and (2) enroll in e-Statements via online or mobile banking. Receive $50 when you open a Simply Savings account and complete the following within 90 days of account opening: (1) maintain a $2,500 balance; and (2) enroll in e-Statements via online or mobile banking. Bonus is credited to your active account within 100 days of account opening if you meet requirements. $50 opening deposit required on checking accounts (Simply Free Plus requires a $1,000 opening deposit). Simply Savings requires a $2,500 opening deposit in new money. Various Annual Percentage Yields (APYs) offered for interest-earning checking accounts based on the account and balance maintained. For example, Simply Free Platinum requires a $100 minimum daily balance to earn .05% APY. Simply Savings earns .05% APY. APYs accurate as of 05/02/2022. Fees may reduce earnings; rates subject to change. Promotion offers limited to one new checking account and one new savings account per person and cannot be combined with other offers. Simply Free Platinum accounts are designed for people ages 50 and over. Premium Interest Advantage is limited to residents of Douglas, Sarpy, and Washington counties in Nebraska. Promotions available 05/02/2022 to 09/30/2022. Member FDIC.