University Checking
Earn 4.33% APY on balances $100,000 and under¹
University Checking gives you all the privileges of a checking account, and you can earn premium interest. Simply have the following activity each statement cycle:
- 12 Visa® debit card purchases posted
- Receive paperless statements
- Access online or mobile banking
- One direct deposit posted
That's it! There are no monthly maintenance fees — just 4.33% APY on balances of $100,000 and under and 1.57%–4.33% APY on balances over $100,000 (when requirements are met)1 on the account you use every day — because you deserve a little bonus. See University Checking Details below for more information.
CDs and money markets
Investing for your future is always a smart move, and we’ve got plenty of options to make it easy. See how our certificates of deposit and money markets can help round out your savings plan.
Auto and personal loans
Whether a new car is on your road map or you’re starting a home renovation project, our flexible financing options will help you achieve your goals sooner than you think.
Home loans
Are you in the market for buying or building a new home, or looking to refinance your current home loan? Our experienced home loan team can help you find the right loan for your needs.
Wealth management
From investment management to estate planning, trust administration to financial planning, our wealth management team offers a full breadth of services to help you plan ahead.
A Banker Just for Faculty & Staff
Your money has people — on-campus people
At UBT, our people take pride in going the extra mile — people like Miranda, whose entire goal is to serve UNL faculty and staff. She's experienced, she's knowledgeable, and she can connect you with UBT experts who can guide you through core banking services, home and personal loans, wealth management, and more, all with your best interests in mind.
University Checking Details
An account just for UNL employees
| Must be UNL faculty, staff, or administrator |
| No monthly fee |
| Up to 4.33% APY on balances $100,000 and under, and 1.57%–4.33% APY on balances over $100,000 (when requirements are met)¹. |
| Unlimited free ATM transactions² |
| Other benefits: |
| University Checking debit card with increased daily withdrawal and purchase limits³ |
| Free paperless statements (required to earn qualifying APY) |
| 24-hour account access through UBTgo, with online and mobile banking⁴, mobile deposits⁴, Bill Pay, e-Alerts, and Zelle®. |
| Free, unlimited check writing |
| Free safe deposit box for the first year (where available)⁵ |
| One free NSF fee waiver per year⁶ |
| Short-term Federal Investment Trust** |
| Relationship Advantage: Maintain $10,000 in total deposits with Union Bank (excluding health savings accounts) to automatically waive selected fees on one personal checking account, plus ATM Usage Fee at Non-UBT ATMs (excludes surcharges from ATM owners) are waived on your checking and savings accounts. |
1) 4.33% Annual Percentage Yield for balances $100,000 and under and 1.57%–4.33% APY for balances over $100,000 applicable if you meet the following requirements each statement cycle: 12 debit card purchases posted (excludes ATM transactions), receive paperless statements (requires enrollment via online or mobile banking and ongoing valid email address), access online or mobile banking, and one direct deposit posted. If requirements are not met 0.25% APY applies to entire balance. Fees may reduce earnings. APY accurate as of 5/1/2024. Rates subject to change. (2) Excludes surcharges ATM owners may assess. (3) Visa Gold Check Card daily limitations apply; ATM withdrawal limit of $700.00 (or your available balance, whichever is less) and point-of-sale purchase limit of $7,500.00 (or your available balance, whichever is less). (4) Message and data rates may apply. (5) Annual safe deposit box rental fee up to $80 (depending on the size of the box selected) waived for the first year when you open a safe deposit box of any size at any Union Bank location with available safe deposit boxes. (6) Waives one NSF Paid Item Fee/NSF Returned Item Fee per calendar year. This account is not affiliated with or endorsed by any college or university.
**Investment products: Not FDIC Insured — No Bank Guarantee — May Lose Value.
UBTgo Mobile App
Find out why our app has 4.9 stars
The UBTgo mobile app is faster, sleeker, and now easier to use than ever — and judging by the reviews, our users agree! Visit your phone’s app store today to download the latest version and see for yourself how easy it can be to manage your money from anywhere.
Message and data rates may apply.
Frequently Asked Questions
Visit ubt.com or download the UBTgo mobile app. Choose the registration option and fill out all of the information asked for.
For UNL international students, faculty, and staff:
If you do not have a social security number, use the first four digits of your UNL Student ID number unless otherwise instructed. If you haven't gotten a U.S. phone number yet, fill in the phone number field with zeros.
To access paperless statements via your web browser:
- Log into UBTgo and select Accounts > Statements
- Select the account for which you are wanting the statement(s). All statements available for that account for the last 24 months will be listed, with the most recent at the top.
- Click on the file(s) to download and save/open them.
- If you would like to print your statement, when the statement is open, select File > Print.
To access paperless statements via your smartphone:
- Log into UBTgo, tap the menu, and tap Accounts > Statements
- Select the account for which you are wanting the statement(s). All statements available for that account for the last 24 months will be listed, with the most recent at the top.
- Tap on a statement to open and view it.
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.
Great question! As you work on a mortgage with your loan officer, they’ll go over all the terms and conditions and give you a disclosure with an itemized list of what you can expect to pay every month. Most mortgages will include your principal payment, interest, and escrow. Click here to get an in-depth explanation of all these terms and more.
That’s the best way to do it! We’ve made making a loan payment as easy as possible. Here’s how:
The best way to regularly pay your mortgage is to set up automatic loan payments through UBTgo on a desktop computer or via our mobile app. After logging in, choose your mortgage from the list of accounts on your dashboard, then choose Make a Payment from the list of options. Choose the recurring payments option and pick the day of the month you’d like your payments to automatically pull from your account.
One-time automated payments can be made using the instructions above and choosing the One-Time Payment option. Or make a one-time automatic payment via phone by calling 888-267-1262. (Fees may apply for this service.)
You can make your payment whenever the mood strikes. If you prefer to make payments every two weeks, you can use the instructions for online payments above to get it done. Please note that you’ll want to make sure your second payment pays the mortgage in full on or before your payment due date to avoid the payment being late.
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