UNL Faculty & Staff Banking

Special perks for University personnel

You work hard at UNL. Let us reward you with a checking account bearing a premium 4.33% APY on balances $100,000 and under, and 1.57%–4.33% APY on balances over $100,000 (when requirements are met).Plus, if you open your account online, you can qualify for a $150 bonus* when you meet requirements.

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.

Miranda Soulliere

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.

On-campus support and resources

Nebraska Union branch

As UNL faculty or staff, life happens on campus — so your banking should, too. You’ll find a full-service branch inside the Nebraska Union, plus convenient ATMs located on both campuses.

Online chat

Need help from a real person but don’t have time to run down to the branch? We’ve got you covered. Simply start a chat with a member of our friendly, local customer support team.

Meet with a banker

If you’re looking to have a larger conversation about your finances, investing for the future, or any other banking needs, you can set up a time to meet with someone at the campus branch.

University Checking Details

An account just for UNL employees

Must be UNL faculty, staff, or administrator
$50 minimum opening deposit
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. $50 required to open account. 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.

A screenshot of the UBTgo mobile app.

Frequently Asked Questions

How do I set up online banking?

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. 

How do I access my paperless statements through UBTgo?

To access paperless statements via your web browser: 

  1. Log into UBTgo and select Accounts > Statements
  2. 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.
  3. Click on the file(s) to download and save/open them.
  4. If you would like to print your statement, when the statement is open, select File > Print.

To access paperless statements via your smartphone:

  1. Log into UBTgo, tap the menu, and tap Accounts > Statements
  2. 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. 
  3. Tap on a statement to open and view it. 
What do I do if I have questions about the escrow analysis I just received?

For specific questions related to your property escrow analysis, it’s best if you contact one of our Lincoln Nebraska based servicing specialists toll free at 833-560-1116. They will review your individual situation, talk through changes in your escrow, and assist with questions you have about your options.

What can I do to protect my identity and account information?

Great question! At UBT, we’re doing all we can to keep your data safe, but you can do a lot on your own keep your account information secure. Here are ways to protect yourself against cybercrimes and fraud.

  • Make sure your password is strong with a combination of words, numbers, and symbols that is easy to remember but hard to guess. Using a unique username and password (not just a strong password) for your banking account is critical security and best practice.
  • Be leery of emails you weren’t expecting even if they appear to come from someone you know, and never open attachments or click on hyperlinks in these emails.
  • Remember that no UBT employee or any other bank or IT professional will ever call, text, or email you to ask for your password.
  • Don’t trust unsolicited phone calls or emails asking for payment or personal information.
  • Don’t share or provide a password over the phone or through a link you receive in an email.
  • Don’t click on links or attachments sent by people you do not know through social media messaging apps.
Is my UBT account information secure?

Yes. We want to assure you that Union Bank’s cybersecurity team is continually assessing threat information and monitoring our systems to keep your information — and your money — safe and secure.

What is UBT doing to protect against cyberattacks?

We want to assure you that UBT has a team devoted to cybersecurity whose job it is to monitor for potential threats and vulnerabilities. They have extensive technical controls in place to protect our networks and data — including your information.

*To qualify for the promotion, you must open your account online. Checking offer not valid for primary accountholder on an existing UBT personal checking account. Offer not valid if existing checking account closed within the last 120 days. Receive $150 when you open a Simply Free, Simply Free Plus, Simply Free Platinum, or University 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 paperless statements via online or mobile banking. Bonus is credited to your active account within 100 days of account opening if you meet requirements. $1,000 opening deposit required on Simply Free Plus checking accounts. Various Annual Percentage Yields (APY) offered for interest-earning checking accounts based on the account and balance maintained. For example, Simply Free Platinum requires $100 minimum daily balance to earn .25% APY as of 5/1/2024. Fees may reduce earnings; rates subject to change. Promotion offer limited to one new checking account per person and cannot be combined with other offers. Simply Free Platinum accounts designed for people ages 50 and over. University checking accounts are designed for faculty or staff of UNL. Not affiliated with or endorsed by any college or university. Available 5/1/2024 to 6/30/2024. Member FDIC.