Online Investing FAQ

Please refer to our guide to account types.

Along with taxable individual, joint, and custodial accounts, we also offer Traditional and Roth IRAs. Please note that IRAs have an annual account fee. 

If you have another account type in mind, contact us. Most account types are supported by our platform. Send us an email at investonline@ubt.com or call us at 877.851.8847 and we will be happy to help.

1. Walk through the questions until you get to the page congratulating you on opening your account.
2. You will receive an email asking you to verify your email address.
3. Once you verify your email address, log in to your account at https://invest.ubtgo.com/#/login.
4. You may receive an email asking for additional documentation for your identity before your account can be opened. No need to worry — we simply need a little more information to verify your identity. You’ll receive an email; follow the prompts to provide the requested information. In some cases, it’s as easy as uploading a picture of your driver’s license.
5. If you were required to provide additional documentation, an investment professional will need to review and approve your documentation. Upon final approval, you will receive an email letting you know that you are now ready to log in. Log in to your account at https://invest.ubtgo.com/#/login.

Visit www.irs.gov to see what tax bracket you fall into, or simply provide your best estimate.

Your login email will be the email address you provide us when opening an account. Once you complete the onboarding process, you will receive an email to set your password. If you do not see the email, please check your spam folder.

A trusted contact is a person you appoint for us to contact if we need to address possible financial exploitation, to confirm the specifics of your current contact information, health status, or the identity of any legal guardian, executor, trustee or other holder of a power of attorney, or as otherwise permitted.

You can deposit funds into your Online Investing account via ACH electronic transfer. There are no wire or transfer fees on our end, but you should check to see if your financial institution charges fees for your transaction. Note: We do not accept cash or checks.

• Simply log in to your account and click My Profile-Funding
• Then, select Bank Accounts
• Click Add Bank Account
• Search for “Union Bank & Trust (NE) – Personal”
• Enter your UBT username and password when prompted
• Select your checking or savings account and click Confirm

• Simply log in to your account and click My Profile-Funding
• Then, select Bank Accounts
• Click Add Bank Account
• Search for your bank 
• Enter your username and password for your bank
• Select your checking/savings account
• Review the information and when ready, click Confirm
• If your bank is not listed, you will select “Link with account numbers” and enter your routing number, bank account number, and the amount you want deposited. Please call us at 877.851.8847 or email investonline@ubt.com if you have any questions.

•  Simply log in to your account and click My Profile, and Bank Accounts
• Click Add ($) icon
• Select One-Time Deposit or Recurring Deposit 
• Select the Online Investing account you wish to deposit into
• If one-time deposit, simply enter the amount you want to deposit
• If recurring deposit, simply enter the amount you want to transfer and the frequency
  • Then set the starting and ending dates or you can click on the No End Date radio button
• Please note: With IRAs, you will have to select the contribution year
• Review the information and when ready, click Add Funds
• You will receive an email confirmation once the money has been transferred 

First, don’t worry about minimum account balances, because we don’t have any. How much you choose to invest depends on your goal, budget, and what planning you have done so far to reach that goal.

• Simply log in to your account and click My Profile, and Bank Accounts
• Click Withdraw ($) icon
• Select the Online Investing account you wish to withdraw from
• Enter the amount you wish to withdraw
• You will receive a pin code via text after clicking Remove Funds to confirm your withdrawal.
• UBT does not charge trading fees or assess penalties for requested withdrawals or account closures. (Please note: our platform provider charges a $60 account closing fee for IRA accounts)
• Please note:  With IRAs, you will have to select distribution type, and enter Federal & State tax Withholding percentages (0-100%).
• Please note:  Possible IRS penalty if money is taken out of IRA before age 59 ½. Certain exemptions to the penalty are available
  • Please visit www.irs.gov for more information.

Plaid lets you connect your financial accounts to apps and services to help them provide products and services to you. These apps can help you do things like manage your money and make progress toward your financial goals.

If you make a deposit into your investment account, the funds are usually available the following business day. Sometimes deposits take longer to process. If they aren't available the following business day, they will post within three to five business days. Funds are available to invest as soon as they're deposited.

Please note there is a six day hold on new deposits before they are cleared and can be withdrawn.

Withdrawals from your investment account are processed by Automated Clearing House (ACH) and will typically post in three to five business days.

As long as the transfer is in a pending status, you can cancel it under Transactions. It will remain in pending status until the next business day. If it can be canceled, a cancel link will be available. If the transfer has already been processed, it can't be canceled.

Securities trade on business day one if entered (before 9 a.m. CT) and settle two business days later. There is an additional day or two for the ACH transfer.

You can view your transfer history under Transactions.

• This is a two-step process
• First log in to your account and click My Profile, and Bank Accounts.
• Click Withdraw ($) icon
• Select the Online Investing account you wish to withdraw from
• Click the radio button to Withdraw Full Portfolio Value
• You will receive a pin code via text after clicking Remove Funds to confirm your withdrawal
• After the withdrawal has been processed into your bank account log back into your account and click My Profile and My Accounts
• Click the Close Account link associated with the same account to officially close the account
• Note: IRA accounts have a $60 account closing fee 

The risk tolerance questionnaire is a series of questions that help us understand your comfort level with market risk as it relates to long-term return potential.

As of right now you can make changes to your asset allocation by reaching out to  investonline@ubt.com with your request. There is a future enhancement that will allow you to make asset allocation selections online.  

As of right now you can make changes to your asset allocation by reaching out to investonline@ubt.com with your request. There is a future enhancement that will allow you to make asset allocation selections online.  

As of right now you can make changes to your asset allocation by reaching out to investonline@ubt.com with your request. There is a future enhancement that will allow you to make asset allocation selections online.  

Your total account balance includes the sum of all your investments and cash. Your available cash for trading reflects the amount of cash that you can use to buy investments, while your available cash for withdrawal reflects how much is available to withdraw from your investment account. These values can be affected by pending transactions or recent trades.

If you have sold securities, the soonest the proceeds of the sale will be available to invest or withdraw is two business days after the trade date (T+2). If you recently deposited funds, they'll be available to invest as soon as the deposit is processed. Funds deposited are subject to a six day hold before they can be withdrawn. If the funds are subject to multiple holds (such as a trade and deposit), the longer hold period will apply.

Your holdings are the assets in your investment account and your cash balance. You'll generally see your investments and cash listed separately, but you can view the total balance at any time from your Dashboard.

On the Dashboard, you'll see a chart that tracks the performance of your investment account (or all investment accounts if you have more than one) over periods of time that you can select.

If needed, your accounts are rebalanced on the first business day of each month. For example: If the market value of a certain security increases significantly and grows above the upper limit, your account will automatically sell the amount above the upper limit and reallocate those funds to other securities to ensure your account is in line with your allocation.  Your account will also rebalance as money moves in and out of the account.

The investment professionals at Union Bank & Trust build portfolios using Modern Portfolio Theory (MPT). MPT was pioneered in 1952, earning its creator a Nobel prize. MPT is a theory on how risk-averse investors can construct portfolios to maximize expected return based on a given level of market risk. The theory emphasizes that risk is an inherent part of a higher return. Diversification of assets plays a major part, and our portfolios have broad style and geographic diversification. The amount of time to your goal plays a significant role in determining the mix of stocks and bonds you have in your account. In general, the longer the time to your goal, the higher allocation to stocks, or risk assets.

Portfolios used in Online Investing are built by the investment professionals of Union Investment Management Group (UIMG), the investment division of Union Bank & Trust. UIMG’s investment professionals include numerous officers who have attained the Chartered Financial Analyst® designation (CFA®), the highest distinction in the investment management profession, showing a commitment to independent critical thinking, rigorous analysis, and a commitment to the highest standard of ethics and professional conduct. 

Note: Chartered Financial Analyst® and CFA® are registered trademarks owned by CFA Institute.

Passive investing uses index-based investment vehicles to gain asset-class exposure. In active investing, a portfolio manager or managers try to outperform a benchmark index. Passive investing tends to be much less expensive than active investing, as there aren’t portfolio managers and a team of analysts to support. Over time, passive investing has tended to outperform active investing about two-thirds of the time. Most of the reason for the outperformance can be explained by the lower fees, although behavioral finance emotional errors may explain some as well. We believe using passive investment vehicles passes more of the return on to the investor, rather than going to the investment manager. We are strong believers that passive investing is an appropriate and valid approach to goals-based investing.

An exchange-traded fund (ETF) is a basket of securities that are traded on a stock exchange. They offer diversification benefits of mutual funds while trading intraday like stocks.

Dividends are distributions of a portion of company earnings to shareholders.

• Capital gains occur when a security’s current value rises above the amount it was purchased for. They are not realized until that asset is sold.
• The capital gain may be short-term (one year or less) or long-term (more than a year) and must be reported on income taxes.
• ETFs can sometimes pass through accumulated realized capital gains to shareholders. You must report these on your income taxes if you receive a capital gain distribution.

A short-term capital gain is the result of selling off a security owned for less than one year. Short-term capital gains are taxed at a higher rate than long-term capital gains. Short-term capital gains are taxed at your ordinary income tax rate, while long-term capital gains are taxed at 0%, 15%, or 20% depending on your taxable income.

A wash sale is the sale of a security at a loss and the repurchase of that security or a substantially identical security 30 days before or after the sale.

You can reset your password online using the link from the login page.

We support Chrome, Edge, Firefox, Opera, and Safari from your desktop. For mobile devices, we support mobile Chrome, Safari, and Samsung Internet. We suggest you always use the most recent version of your browser for the best experience. You may experience issues if accessing the site from an outdated or non-supported browser.

Yes. We use Secure Sockets Layer (SSL) encryption for your browser access to this site. You can verify the digital certificate that confirms the encryption and security of this site by clicking the icon to the left of the site URL (depending on your browser, it might be a padlock, key, or company logo). Make sure the URL on the certificate matches the site URL, that it is signed by a trusted certificate authority, and that the date is current. In addition, data is encrypted during transmission and at rest.

A Form 1099 is a type of tax form used to report certain kinds of income. For investment accounts, you'll typically receive a Form 1099 if you had sufficient income in your investment account that must be reported on your tax return or if you withdrew from an IRA.

If you haven't made any withdrawals from your IRA or if you have a taxable account (such as an Individual, Joint, or Custodial account) that didn't have enough income (dividends or sales with gains) to report, you won't receive a Form 1099. You may still receive tax forms if other conditions were met. Consult with a tax professional if you're unsure about your tax status.

You can access the form via Documents. Tax forms are generally available by the end of February in the year they should be filed.

If you withdrew from your IRA in the tax year, you'll receive a Form 1099-R. If you made contributions to your IRA, you'll receive a Form 5498 which reports the contributions made. If you didn't withdraw from or contribute to your IRA in the tax year, you won't receive any tax forms.

If you still have questions about taxes, we recommend that you speak with a tax professional.

Catch-up contributions are contributions that allow individuals who are 50 or older to make additional contributions to their IRA above their normal maxed-out contribution.

The Required Minimum Distribution (RMD) is the minimum amount you need to withdraw from your traditional IRAs each year starting the year you turn 73. Please consult https://www.irs.gov for more information on calculating your RMD. You can always call us at 877.851.8847 or email investonline@ubt.com and we will be happy to assist you with your RMD.

Send us an email at investonline@ubt.com or call us at 877.851.8847 and we will be happy to help.

We are looking to add this functionality online soon. For now, please call us at 877.851.8847 or email investonline@ubt.com and we will be happy to assist you.

A prospectus is a formal document that is required by and filed with the Securities and Exchange Commission (SEC) that provides details about an investment offering for sale to the public. You will periodically receive updated prospectuses via email notification.

A trade confirmation is an electronic document you receive from your broker-dealer showing the details of buy or sell trade orders placed in your account.

You can update some of your personal information from the My Profile tab. Some of your information, like your date of birth or social security number, cannot be updated.

Paper statements are available at an additional cost.

Your password must be at least 8 characters long and contain three of the four following types of characters: upper-case letters, lower-case letters, numbers, or special characters (!, %, #, etc.).

Go to www.ubt.com/onlineinvesting and click the “Log In” button. The username and password will be the credentials you created during the account opening process. You should bookmark the page for future reference.

Your username will always be your email that you verified at the beginning of the account setup process. You can change your password by selecting your profile and clicking on Security.