Simply Free
Get the features you need most in your day-to-day life with our basic checking account.
Simply Free Plus
Earn premium interest for savvy banking behaviors, like using your debit card or having a direct deposit.
Simply Free Student
Created for younger customers, ages 14 to 25
Simply Free Platinum
Made for those ages 50+, with perks like earning interest and free checks
| Special features |
Bonus Offer |
No monthly maintenance or activity fees | Earns interest — rate varies |
Minimum opening deposit | Age requirement | Free Visa debit card & card design | Non-UBT ATM waivers† | Free online & mobile banking and paperless statements | |
|---|---|---|---|---|---|---|---|---|---|
| Simply Free |
|
N/A |
✓ |
N/A |
N/A |
N/A |
✓ |
N/A |
✓ |
| Simply Free Plus | Earn higher interest when you meet certain requirements.** |
N/A |
✓ |
✓ |
$1,000 |
N/A |
✓ |
✓ |
✓ |
| Simply Free Student | $50 bonus¹ (requires paperless statements and 10 point-of-sale transactions) |
✓ |
N/A |
N/A |
Ages 14 to 25 |
✓ |
✓ |
✓ |
|
| Simply Free Platinum | Free specialty gray wallet checks and copies of checks provided in your printed statement. |
N/A |
✓ |
✓ |
N/A |
Ages 50 and over |
✓ |
✓ |
✓ |
†Waives 2 non-UBT ATM usage fees per statement cycle. Does not waive surcharges some ATM owners may assess.
**Statement cycle activity requirements: 12 debit card purchases posted (ATM transactions do not apply), receive paperless statements (requires enrollment via online or mobile banking and ongoing valid email address), access online or mobile banking at least once, and one direct deposit posted.
Simply Free Student account for ages 14-25. (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 and 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) $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
Simply Basic
An account free of overdraft fees
For a small $5 monthly fee, our Simply Basic account is designed to offer a safe starting point for those who are building (or rebuilding) their financial footing. You’ll get handy features like a debit card, free online BillPay, and free online and mobile banking — and oh yeah, there are NO overdraft fees. Plus, it comes with friendly support from real people who care about your success.
Effective as of December 10, 2024
Checking account rates
Simply Free Plus checking$1,000 minimum to open |
||
| When activity requirements met** | ||
| Balance | Interest Rate | APY Range* |
| $0.01 to $100,000 | 3.49% | 3.55% |
| Over $100,000 | 1.00% | 1.26%–3.55% |
| When activity requirements not met** | ||
| Balance | Interest Rate | APY Range* |
| $0.01 or more | 0.05% | 0.05% |
**Statement cycle activity requirements: 12 debit card purchases posted (excludes ATM transactions), receive paperless statements via online banking (requires ongoing valid email address), access online banking, direct deposit posted.
Simply Free Platinum checking |
||
| Balance | Interest Rate | APY* |
| $100 to $4,999.99 | 0.16% | 0.16% |
| $5,000 to $9,999.99 | 0.36% | 0.36% |
| $10,000 to $24,999.99 | 0.46% | 0.46% |
| $25,000 and over | 0.51% | 0.51% |
You must maintain a daily minimum balance of $100 to obtain the APY.
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.
Relationship Advantage
Relationship Advantage automatically gives special checking account benefits to those with $10,000 or more in combined personal CDs, savings, checking, and IRAs (excludes HSAs). Learn more below.
Automatic savings
Our RoundUp Program allows you to round your purchase to the nearest dollar and deposit that automatically into your savings. Over time, it really adds up.
Protect your info
In partnership with Deluxe Provent, Union Bank offers you Identity Protection to help protect your personal information and accounts.
Peace of mind
At UBT, we know mistakes happen, so we offer overdraft solutions to fit your needs. Get peace of mind and a solution that works for you.
Debit Cards
Getting a debit card is fast (and easy)
When you open a new UBT checking account, you can choose from our designer debit card options and have one printed instantly at any UBT branch, or we can send it in the mail. (Need a replacement card? We can help with that, too — just visit your favorite branch to have a new one printed.)
Fee Relief
With $10,000 in combined personal accounts (HSAs excluded), your debit activity fees are waived on your personal checking accounts.
ATM freedom
Enjoy free, unlimited use of all non-Union Bank ATMs1 as well as Union Bank ATMs.
(Note: This does not waive surcharges some ATM owners may assess.)
It’s automatic
Each month, we automatically check to see if you qualify — you don’t have to sign up. Qualifying personal accounts in which you are an owner will be included, as long as you are the primary account holder on at least one of those accounts.
Our People Make the Difference
At UBT, your money has people
We’re a family-owned bank that cares about our customers, the communities we serve, and each other. In addition to checking accounts, you’ll find all the financial services that make your life easier, backed by real people (like Tom), who really care.
Frequently Asked Questions
A branch can print a direct deposit form for you. You can also download and print our Direct Deposit Form.
A checking account is a basic bank account that allows you to deposit and withdraw money in a variety of ways at your convenience.
The fastest way to add someone to your account would be to stop into any branch location with them.
We are not able to remove an account owner; a new account would need to be opened.
We require a signature from an account owner to close an account. The fastest and simplest way is to stop into any branch location.
Yes, Union Bank and Trust does not place limits on the number of checking accounts that you maintain with us.
Need More Help?
Find a banker near you
1The non-UBT ATM usage fee will be credited back to your account at the end of each statement cycle for any non-UBT ATM usage fee assessed during the statement cycle. Your account must be in active (not closed) status at the time the credit is paid.
