UBT Checking Accounts

What to look for in a free checking account

There are a lot of free checking accounts out there, but they aren’t all created equal. So how do you know which one is the right fit? We’ve got some pointers on features to look for, things to consider, and a bonus that shows it pays to choose local.

Finding the right account

Fun fact: Most people don’t re-evaluate their checking account for nearly 20 years after opening it. Why not?

If a pair of shoes didn’t fit you well, would you wear them every day? We sure hope not. Though a checking account won’t make a fashion statement like an amazing pair of heels or chukkas, it is something you’ll use every day, so it should fit you just as well. Click here to keep reading.

Download our Switch Kit

We understand that changing banks can be a little daunting, so we put together a Switch Kit with six simple steps to help make it as easy as possible.

UBT’s Switch Kit

Use these forms to update your direct deposits, automatic payments, and more. The Switch Kit includes forms for:

- Direct deposit change
- Automatic and recurring payments
- Automated transfers and investments

Open a checking account online

So let’s say you’ve done your homework and are ready to open your new Union Bank & Trust checking account online — hooray! Our team of people is excited to help you make the most of your money. Now you might be wondering just how to go about opening your new checking account. Here’s a hint… it’s fast and easy! You can open an account online in about five minutes — less time than it takes to figure out what to eat for dinner.

Mobile banking

These days, we’ve come to rely on our phones for just about everything: communicating, entertaining ourselves in the waiting room, keeping tabs on news headlines, and so on. So, why not banking? We’ve put together a list of the things your mobile banking app should be able to do (and they just so happen to be things the UBTgo mobile app can do in spades). Let’s check them out.

Best bank customer service

If you’re looking for a bank that provides a complete range of products and services for families and businesses — and backs it up with exceptional customer service — you're in the right place. But rather than tell you about it ourselves, we thought we'd share some of the comments we've received from our customers. Read on to learn more.

Reduce overdrafts

We all do our best to keep tabs on our account balances and keep track of our spending — but sometimes life happens, and you find yourself facing an overdraft. Correcting your account is easy enough, but how do you prevent overdrafts in the future? Like cavities, it takes daily upkeep and having some insurance in place. Get the details here.

Take advantage of bonus offers

Finding the right checking account is important — and it’s even better when it comes with a cash bonus. Once you’ve decided which account is right for you, now is the perfect time to get started: We’ll give you a cash reward of up to $150* when you open a new checking account and meet requirements. Learn more and get started here.

*To qualify for the checking promotion, you cannot be a primary accountholder on an existing UBT personal checking account. Offer not valid if existing checking account closed 120 days prior to 05/01/2023. Receive $100 when you open a Simply Free 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. Receive $150 when you open an interest-earning checking account (Simply Free Plus, Simply Free Platinum, or Premium Interest Advantage) and complete the following within 90 days of account opening: (1) have $2,500 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 05/01/2023. 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. Premium Interest Advantage is limited to residents of Douglas, Sarpy, and Washington counties in Nebraska. Available 05/01/2023 to 09/29/2023. Member FDIC.

Message and data rates may apply.

Learning Center articles, guides, blogs, podcasts, and videos are for informational purposes only and are not an advertisement for a product or service. The accuracy and completeness is not guaranteed and does not constitute legal or tax advice. Please consult with your own tax, legal, and financial advisors.