Loans & Building Credit FAQs

Yes-- You can apply for a personal loan HERE.



You may also stop by any Union Bank & Trust location or contact a loan specialist via phone at (402) 323-1789, or toll free (888) 828-4450.

Yes, you can make a loan payment online through our online payment portal. 



Once you have been directed to the Online Payment Center, follow the directions listed. Depending on the loan type, you may only be able to process a payment online using routing and account information. 

Other Payment Methods:

• From your Union Bank & Trust checking or savings account: you can make a transfer through Online Banking or by contacting our Customer Support Team, at no charge.
• Automatic Payments: Union Bank will pull your monthly payment automatically from your designated account at another financial institution. The authorization form can be requested by contacting our Customer Support Team at (402) 323-1777 or toll-free at (800) 297-2837 and is also free of charge.
• By Phone: If you are making a payment by phone, there is a processing fee of $5. Payments can be made using routing and account information or with a credit or debit card.
• In Person: You may also make a loan payment at any of our branches.

Union Bank offers both Personal and Commercial Credit Cards.



To select the right card for you and apply online, click HERE for Personal Credit Cards and HERE for Commercial Credit Cards. You may also stop into any branch location or contact a loan officer by phone at 402-323-1789 or toll-free at 1-888-828-4450.

Once logged into the Credit Card Online Banking (either via UBTgo or directly at www.ezcardinfo.com), select “Statements” at the top of the screen and select “View Statements”.

You may view your activity by statement by selecting the statement period and then selecting “View Transaction Detail”. You may also view or print statements in PDF by selecting “View Statement PDFs”

If you'd like to sign up to access your credit card statements, payments, and other features online, you'll need the following:

• Internet access
• A valid e-mail address
• Your complete Union Bank & Trust credit card number
• Your ZIP code
• The last 4 digits of your social security number

Make your entries without dashes or spaces and continue to follow the sign-up instructions on the screen to complete your enrollment. When you have completed enrollment, you will be able to view your most recent statement and make online payments.

To make a credit card payment, you can do so through Union Bank's credit card website, by sending your payment through the mail (to the address on the remittance slip of your statement), stopping into a Union Bank branch, or by calling the number listed on the back of your card (1-800-221-5920).



Bankcard Processing Center

PO Box 6818

Carol Stream, IL 60197

There are no Annual Fees associated with Union Bank & Trust's Rewards, Signature Rewards, or Commercial Cards.



Union Bank's Secured Credit Card has an annual fee of $25.00.



Late Payment Fees, Cash Advance Fees, or Interest Charges may be assessed. For detailed information regarding Fees associated with the credit cards, please contact us at (833) 323-1465 or view additional information by clicking HERE. 

To request a credit card limit increase, you can stop by any of our branches or apply now using our easy online application. Simply indicate in the notes section that you are requesting a credit limit increase. You may also speak to a Loan Specialist by calling 402.323.1789, or toll free 888.828.4450.  

As soon as you discover your credit card is missing, call our Credit Card Customer Service center toll-free at (800) 221-5920 to report your card as lost or stolen. You may call 24 hours a day, seven days a week.

Yes. When you use your Union Bank & Trust Credit Card you earn one point for every dollar you spend on signature-based purchases. Points can be redeemed for cash back, merchandise, gift cards or travel. To learn more about Scorecard Rewards, call (800) 854-0790.

Please contact a UBT Credit Card Specialist at 402-323-1465, toll-free at 833-323-1465, and we will be happy to assist you.

We will issue a new card approximately one month before your current credit card expires and will send it to your current billing address. Your current credit card will continue to work until the end of the month in which it expires or, until you activate your new card. We recommend activating your new card immediately, once you receive it. This can be done by calling our card activation center at (866) 444-0083. Please have your new card available when you call.

For additional questions, or if you have not received the replacement as expected, please contact our Credit Card Support at (402) 323-1465, or toll-free (833) 323-1465.



Be sure to shred your old card once the new one has been activated.

$2500 is the minimum amount that can be applied for on a loan.

The minimum credit score needed for a ready loan is 670.

The minimum credit score for an auto loan is 650.

1. We can close with docusign and normally have funds to you within 24 hrs.

Yes. You can get a .25% discount for being an existing UBT customer and a .25% discount if you set up automatic payments.

Yes. On the UBTgo mobile app, a recurring payment can be stopped in the Move Money section. After you select the transfer, there is a Cancel Recurring Transfer button. If you’re logged into UBTgo on your computer, a recurring payment can be stopped by going to Transfers, then Scheduled Transfers. Simply tap the delete icon (the trash can).

Yes. Once you’ve established and verified an external account, you can set up your loan payments from that external account in the same way you would with a UBT account. Get step-by-step instructions here. Please note: Not all loan types will qualify for this payment method; eligible loans currently include hospital or patient loans, dealer loans, personal and commercial agricultural loans, and Ready Loans.

You are welcome to stop by any of our branches to pay in person.

Yes. Setting up an Alert is fast and easy. Learn how to set up an Alert in our handy “Enrolling in UBTgo and setting up loan payments” guide, found here.

If you are making a payment from your UBT checking or savings account, you can make a payment through the mobile app.

Yes. Simply select Future as your scheduling option. You’ll be able to select which date you’d like your payment to come out on.