Simply Free UNL
An account that’s exclusively for UNL students
Enjoy all the benefits of free checking with UBT — like instant-issue designer debit cards, no monthly fee, and easy online access — plus exclusive-to-UNL features:
- $50 (requires e-Statements and 10 point-of-sale transactions)1
- ATM fee freedom2
- One “oops” overdraft fee waiver per year3
To open online, you just need your Social Security number and a state-issued ID, driver’s license, or passport.
Simply Savings Student
A savings account with great features, designed especially for those 25 and under.
It’s never too early to start thinking about ways to build your credit. We’ll help you get started.
Whether you’re living off-campus, here from out of state, or just looking to take more road trips, a new (or new-to-you) vehicle might be just what you need.
UNL Debit Cards
Getting a debit card is fast and easy
We get it — sometimes debit cards get misplaced. That’s why we’ve made it easy to instantly get a replacement card printed at a UBT branch (like the one in the Nebraska Union). Plus, when you open a Simply Free UNL account, you can choose a free designer debit card, like our exclusive UNL design that lets you rep your Husker spirit no matter where you go.
Would you like us to support an organization you belong to? Fill out our sponsorship request form for our UNL Donations Committee to review.
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.
Frequently Asked Questions
Domestic students need a government issued ID and their N Card.
International students will need a passport and their N Card.
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.
Union Bank's routing number is 104910795.
You can find your account number in a few places:
- In UBTgo accessed through desktop or the mobile browser on the Account Details section of the Account Activity Screen
- On your checks
- On a monthly statement either mailed to your or accessed through UBTgo
Savings accounts are best for money that you intend to set aside. You can deposit into your savings account as many times as you like, but there are limits on how often you can withdraw in a month. Typically, savings accounts earn some interest.
Yes, international transactions will have a 1% fee assessed. When traveling, notify us ahead of time so that your card is not restricted for suspected fraud.
SWIFT Code: UNTUUS42
To assist our customers living abroad or with family members who live outside of the United States, we have an International Wire SWIFT Code. Use the information below to send a wire to a Union Bank & Trust account:
- Receiving Bank: Union Bank & Trust Co.
- SWIFT Code: UNTUUS42
- Beneficiary: Union Bank & Trust Co. Account Name
- Address: Union Bank & Trust Co. Account Address
- Account Number: Union Bank & Trust Co. Account Number
Connect with our people online
ᵠAvailable to currently enrolled UNL students who do not have an existing Union Bank savings account. Simply Savings Student account must be opened online or in person at the Union Bank & Trust UNL branch in the Nebraska Student Union from 06/01/2021 through 09/30/2021. Earn 3.0% APY for 12 months from date of account opening on balances up to $1,000. During the promotion period, any additional balance above $1,000 earns a variable APY between 3.0% and .20% as of 6/16/21, depending on the daily balance of your account. For example, a daily balance of $5,000 would earn an APY of 0.78%. After promotional period ends, the full balance will be subject to the standard variable APY, which is .20% as of 6/16/21. Rates subject to change, and fees may reduce earnings. $25 opening deposit required. Cannot be combined with other offers. Account not affiliated with or endorsed by any college or university.
Simply Free UNL account details: For currently enrolled UNL students. $50 opening deposit. (1)$50 deposited to your active account within 70 days of account opening when you meet these two requirements: enroll in e-Statements via online or mobile banking and have 10 debit card purchases posted (excludes ATM transactions) within 60 days of account opening. New checking account customers only. Cannot be combined with other offers. (2) ATM usage fee at non-UBT ATMs waived (excludes surcharges ATM owners may assess). (3)Waives one NSF Paid Item Fee/NSF Returned Item Fee per calendar year. Account not affiliated with or endorsed by any college or university.
**Simply Savings Student Details: For ages 25 and younger. $25 opening deposit. Annual Percentage Yield (APY) accurate as of the effective date in the deposit account rates. Rate subject to change. Fees may reduce earnings. We will match up to $10 of your RoundUp deposits posted within 60 days of enrollment.
Loan products subject to credit approval.