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.
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 |
$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 9/1/2023. Rates subject to change. 2) Excludes surcharges ATM owners may assess. 3) 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.
For specific questions related to your Nebraska property escrow analysis, please click here for our FAQ download. If you have any questions not covered in the FAQ, our contact information is in the download.
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.
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.
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.
Have Questions?
Get help from an expert
*To qualify for the Checking 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 $50 when you open a Simply Free Checking, 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 3/13/2024. Fees may reduce earnings; rates subject to change. Promotion offers limited to one new checking and one new savings 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 11/1/2023 to 4/30/2024. Member FDIC.