Personal Banking

Putting the “personal” in personal banking

From checking and credit cards to savings and loans, we have the financial services and support you need to build the life you want.

Home Loans

We’ll make it easy to build, buy, or refinance

Ready for the home of your dreams? Let our friendly, experienced home loan team guide you through the steps of finding the right loan to buy, build, or improve on your home. 

0% Credit Card Offer

Find your financial zen

The holidays are over, a new year has started, and it’s the perfect time to lose some credit card baggage and resolve to bring your finances into balance. A new credit card from UBT can help you do just that! Open a new account, and you’ll get 0% introductory APR° for 12 months on balance transfers completed within your first 60 days — plus 0% intro APR* on purchases for 12 months, too. (After that, variable APR 14.00–20.00%.) It’s the perfect way to tackle your financial resolutions and start your year fresh.

A UBT credit card on a table surrounded by spa items, like candles, plants, and cucumber slices
Why Union Bank & Trust?

We get to know you

At UBT, people don’t have your money — your money has people. That means personalized service from real people who get to know you, your goals, and your individual needs.

We’re local

Since getting our start in Lincoln, we’ve expanded to include locations across the state and in parts of Kansas. We’re proud of our Midwestern roots and the people we serve.

We give back

We care about the communities we serve, so we make it a point to support charitable causes and civic organizations that make for an even better place to live and work.

We’re always innovating

Whether it’s improving our online experience or offering new ways to bank on the go, we’re always working to give you the best banking experience possible — so you can focus on what matters.

We’re family owned

UBT has been owned by the same family for more than 50 years, which means we understand the value of putting down roots, caring for those around us, and supporting other families as they grow.

We can do it all

At UBT, we cast a wide net. We offer banking and lending services to individuals and businesses, investing and wealth management solutions, trust services*, and more — all with a personal touch.

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.


Need More Help?

Contact a personal banker near you

Message and data rates may apply.

*Investment products: Not FDIC Insured — No Bank Guarantee — May Lose Value.


°Offer subject to credit approval. Valid on approved Rewards and Signature Rewards credit card applications received between 11/01/21 to 02/28/22. *Introductory 0.00% APR for 12 months from date of account opening on purchases. Introductory 0.00% APR for 12 months from date of account opening on balance transfers made within 60 days of card open date. Balance transfer fees waived on transfers made within 60 days of card open date. After introductory period ends, the standard variable APR for purchases will be applied to unpaid introductory balances, new purchases, and new balance transfers. As of 01/20/22, the standard variable APR for purchases is 14.00% – 20.00%, based on your creditworthiness. The APR will vary with the market based on the Prime Rate. Fees include foreign transaction fee of 3% of each transaction in U.S. dollars. After introductory period ends, balance transfer fee of $5 or 3% of the amount of each transfer, whichever is greater, applies.