UNL Student Banking

The exclusive on-campus bank that’s got your back

Welcome to UNL! Between studying, working, and having a social life, we know you’ve got a lot on your plate. We’re here to help make managing your money as easy — and rewarding — as possible. Keep scrolling to learn more about the special offers you can take advantage of as a UNL student.

Love Library at the University of Nebraska-Lincoln

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 bonus (requires paperless statements and 10 point-of-sale transactions)1
  • ATM fee freedom2
  • One “oops” overdraft fee waiver per year3
  • $10 RoundUp credit when requirements are met4

To open online, you just need your Social Security number and a state-issued ID, driver’s license, or passport. 

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.

UNL Sponsorships

Let’s make our community better together

Would you like us to support an organization you belong to? Fill out our sponsorship request form for our UNL Donations Committee to review.

On-campus support and resources

Nebraska Union branch

As a student, 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.

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

What do I need to open a Simply Free UNL Account?

Domestic students need a government issued ID and their N Card.

International students will need a passport and their N Card.

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. 

Where can I find my account number and routing number?

Union Bank's routing number is 104910795.

You can find your account number in a few places:

  1. In UBTgo accessed through desktop or the mobile browser on the Account Details section of the Account Activity Screen
  2. On your checks
  3. On a monthly statement either mailed to your or accessed through UBTgo


What is the reason for a savings account?

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. 

Can I use my debit card internationally?

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. 

What is UBT's Wire SWIFT Code for receiving an international wire?


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:

  1. Receiving Bank: Union Bank & Trust Co.
  2. SWIFT Code: UNTUUS42
  3. Beneficiary: Union Bank & Trust Co. Account Name
  4. Address: Union Bank & Trust Co. Account Address
  5. Account Number: Union Bank & Trust Co. Account Number

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Simply Free UNL account details: For currently enrolled UNL students. $50 suggested opening deposit. (1) $50 deposited to your active account within 70 days of account opening when you meet these two requirements: enroll in paperless 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. (4) $10 Credit: New checking account customers only. Requires enrollment in Union Bank's RoundUp Program to an eligible Union Bank savings account within 60 days of checking account opening. $10 will be credited to active checking account within 70 days of account opening if you meet the requirements. Account not affiliated with or endorsed by any college or university.

**Simply Savings Student Details: For ages 25 and younger. Annual Percentage Yield (APY) accurate as of the effective date in the deposit account rates. Rate subject to change. Fees may reduce earnings.

Loan products subject to credit approval.