Fund transfers made easy through UBTgo

Fund transfers made easy through UBTgo

Making a funds transfer through UBTgo has never been slicker, but we want to make sure you have the instructions you need to complete the steps for any kind of funds transfer imaginable, whether it’s between multiple UBT accounts or between multiple financial institutions.

Create/edit a transfer to/from another financial institution

UBTgo allows you the ability to set up transfers with another financial institution. Once your transfer accounts are set up, you will be able to transfer funds back and forth with ease, giving you access to your money whenever you need it.

Adding an external bank account:

To get started transferring funds with another financial institution, you will first need to set up external bank account within UBTgo. 

1. Enter your username and password to log into UBTgo.
2. If you’re on the mobile app, tap the More button in the bottom navigation bar, then tap Transfer followed by Manage Transfer Accounts. If you’re on your computer, tap on Transfers in the top left of your dashboard, then select Transfer Accounts.
3. Tap Add Account, then tap External Bank Account.
4. Enter your external account’s routing number, account number, account nickname, and specify if the account is a checking or savings account. Once entered, click Add Account.
5. In a few days, you will see microdeposits in the external account. In UBTgo, navigate to your external bank accounts list via Transfer Accounts or Manager Transfer Accounts (see step 2). Locate your newly created external bank account and click Verify. Enter the microdeposits on this screen to verify the account for use.
6. Now that your account with another Financial Institution has been added and verified in UBTgo, you can set up transfers to and from that account. Transfers can be set up on a one-time or recurring basis.

To make a transfer to/from another financial institution using a web browser:

1. Log into UBTgo and click on Transfers. 
2. Complete the fields under the Make a Transfer section:
   
   1. Select the appropriate accounts in the From and To drop-down. External bank accounts will be identified as “External Accounts” in your account list.
   2. Enter the amount you would like to transfer.
   3. Select either One-time or Repeating Transfer.
   4. Select the Transfer Date using the scheduling calendar if making a future date transfer.
3. Click on Continue to verify your transfer details. Click Transfer to submit your transfer or click Edit Transfer to go back and edit your transfer details.

To make a transfer to/from another financial institution using the UBTgo app:

1. Log into UBTgo and click on Transfer/Pay and then Transfer Money OR click on More, scroll down, and select Transfers.
2. Choose the From and To accounts.
3. Input the amount that you wish to transfer.
4. Under Schedule, select Immediate, Future, or Recurring.
5. Enter a description (optional). This is only visible to you in the Transfer History.
6. Click Continue. You will see a verification screen showing you information about the transfer that will be created.
7. If you are satisfied with your transfer, click Send. To change the details, click Back. To cancel, click Cancel.

View history of transfers between other financial institutions:

You can view your history of transfers made with other financial institutions via a web browser by clicking Transfers > Transfer Activity > Transfer History or via the UBTgo app by clicking Transfer/Pay > Scroll down to see history.

Manage transfer schedules between other financial institutions:

You can view and manage your scheduled transfers between other financial institutions via a web browser by clicking Transfers > Transfer Activity > Scheduled Transfers > Edit Transfer (after expanding the transfer details) or via the UBTgo app by clicking Transfer/Pay > Scroll down to see Scheduled Bills & Transfers.

Create/edit a transfer or loan payment between multiple UBT accounts

UBTgo also allows you to make transfers between UBT accounts and payments to most UBT loans. Transfers and payments between two UBT accounts or loans can be made immediately, future-dated, or on a recurring basis. Payments to UBT loans from an external loan payment account can be set up to be future-dated or as a recurring payment for applicable loan types.

To transfer funds immediately (applicable to UBT accounts and loans):

1. Choose the From and To accounts.
2. Input the amount that you wish to transfer.
3. Under Schedule, select Immediate.
4. Enter a description (optional). This is only visible to you in the Transfer History.
5. Click Continue. You will see a verification screen showing you information about the transfer that will be created.
6. If you are satisfied with your transfer, click Transfer. To change the details, click Edit Transfer. To cancel, click Cancel.

(Note: From and To accounts cannot be the same. If you have insufficient funds in your From account, you will not be able to complete your transfer.)

To set up a future-dated or recurring transfer or loan payment:

1. Choose the From and To accounts.
2. Input the amount that you wish to transfer.
3. Under Schedule, select Future-Dated (One-Time) or Recurring.
4. Enter a start date using the calendar control.
5. For recurring transfers or loan payment only, select the Transfer Frequency to determine how often the transfer will take place.
6. For recurring transfers and loan payments only, you can also choose whether the transfer should be programmed to end on a specific date, after a set number of transfers, or it can be set to continue indefinitely.
7. Enter a description (optional). This is only visible to you in the Transfer History.
8. Click the Send me an email checkbox if you would like to be notified by email when the transfer is executed. (Note: This option is available only for transfers between your own accounts.)
9. Click Continue. You will see a verification screen showing you information about the transfer that will be created.
10. If you are satisfied with your transfer, click Transfer. To change the details, click Edit Transfer. To cancel, click Cancel.

(Note: From and To accounts cannot be the same. Payments to UBT loans from an external loan payment account set up by 3 p.m. Central Time will be applied the following business day. Not all loan types are eligible for external loan payments. Loans that are not eligible will be greyed out in the To drop-down.)

Transfer Activity

This section allows you to view all scheduled transfers and transfer history between UBT accounts. You can also edit or cancel a scheduled transfer from this section.

Scheduled Transfers

Scheduled Transfers are all the transfers that have been created for your accounts. Clicking on a column header will sort the transfers according to that header. For example, clicking on Amount will sort in order of Amount from the lowest dollar amount to the highest and vice versa. Amount indicates the amount of a transaction. You can also sort by Status, Frequency, Next Transfer date, or the From and To accounts.

To view your Transfer Details, click the arrow to the left of the transfer from account. This will show all the transfer details, including the description if one was entered. Under Transfer Details, you can also change the transfer by clicking Edit Transfer, or you can choose to discontinue the transfer by clicking Cancel Transfer.

Transfer History

Transfer History shows all the transfers that have been completed for your accounts. Clicking on a column header will sort the transfers according to that header. For example, clicking on Amount will sort in order of Amount from the lowest dollar amount to the highest and vice versa. Amount indicates the amount of a transaction. You can also sort by Status, Frequency, Transfer Date, Completion Date, or the From and To accounts.

To view your Transfer Details, click the arrow to the left of the transfer from account. This will show all the transfer details, including the description if one was entered.

Of course, if you have any questions about using UBTgo or your accounts, please contact our Customer Support team at 833.323.1454 or start a secure chat.