University Checking
Earn 3.95% 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 3.95% APY on balances of $100,000 and under and 1.30%–3.95% 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.
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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 3.95% APY on balances $100,000 and under, and 1.30%–3.95% 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) 3.95% Annual Percentage Yield for balances $100,000 and under and 1.30%–3.95% 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 12/1/2024. 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.
Eligible small business accounts can send, receive, or request money with Zelle®. To get started, log into the UBTgo or online banking. In the main menu, select "Transfer and Pay". Then "Send money with Zelle®".
Enter your email address or U.S. mobile number, receive a one-time verification code, enter it, accept the terms and conditions, and you’re ready to start sending and receiving money with Zelle®.
To send money with Zelle®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile number), add the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes.1
If the small business or consumer you send money to has already enrolled with Zelle® through their banking app, the money is sent directly to their bank account and cannot be canceled. It’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.
To receive money using Zelle® with a small business account, share your enrolled email address or U.S. mobile number with your customers and ask them to send you payment with Zelle® right from their banking app. No need to share any sensitive account details. After the consumer sends you payment with Zelle®, you will receive your money directly into your enrolled bank account.
To request money using Zelle® with a small business account, click “Send Money with Zelle®,” select “Request,” enter the individual’s email address or U.S. mobile number, confirm the recipient is correct and tap “Request.”2
If your customer is using Zelle® through their banking app, they’ll be able to pay you with Zelle®. You’ll receive a payment notification once your customer has sent you money in response to your request. If your customer is enrolled in the Zelle® app, they will not be able to send you money with Zelle®, and you should arrange for a different payment method.
No, Union Bank & Trust does not charge any fees to use Zelle® with a small business account.
Your mobile carrier's messaging and data rates may apply.
Zelle® does not offer purchase protection for payments made with Zelle®. tbd
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