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.

COVID-19 Relief

We're here for you

We know things are still rocky as our communities focus on reopening. We’re here to help our customers avoid further financial hardship. Please contact us to discuss your situation further.

Checking & Savings Offer

Get up to $200* and a better bank

If you don’t have both checking and savings accounts with UBT, there’s no better time than right now to get started — and earn a cash reward. Here’s how:

  • Get up to $150* when you open a new checking account and meet requirements
  • Get a $50* bonus when you open a new Union Savings account and meet requirements

That’s up to $200* for bringing it all together at UBT. Plus, you can enjoy all the benefits of working with a family-owned bank that cares about our customers, the communities we serve, and each other.

Get up to $200

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. 

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 Digital Banking

Your bank goes where you go

UBTgo helps you easily manage all of your money from any device. Deposit checks from your phone, pay a friend, pay your bills — you can do it all any time, anywhere.

Man using UBTgo on phone

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

 

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*Checking offer not valid for primary accountholder on existing UBT personal checking account(s). Savings offer not valid for primary accountholder on existing Union Savings or MyStyle Savings account(s). Offer not valid if existing checking or savings accounts closed 120 days prior to 06/01/2020. Receive $50 when you open a Simply Free Checking account and have $500 in electronic direct deposits posted within 90 calendar days of account opening. Receive $150 when you open an interest-earning checking account (Bonus, Journey, Premier, or Premium Interest Advantage) and have $2,500 in electronic direct deposits posted within 90 calendar days of account opening. Receive $50 when you open a Union Savings account and maintain a $2,500 balance for 90 calendar days from account opening. Bonus is credited to your active account within 100 days of account opening if you meet requirements. $50 opening deposit required on Checking accounts (Bonus Checking requires $1,000 opening deposit). Union Savings requires $2,500 opening deposit in new money. Various Annual Percentage Yields (APYs) offered for interest-earning checking accounts based on the account and balance maintained. For example, Journey Checking requires a $100 minimum daily balance to earn .05% APY. Union Savings earns .05% APY. APYs accurate as of 05/28/2020. Fees may reduce earnings; rates subject to change. Promotion offers limited to one new checking account and one new savings account per person and cannot be combined with other offers. Journey Checking accounts are designed for people age 50 and over. Premier Checking limited to Private Banking clients. Premium Interest Advantage is limited to residents of Douglas, Sarpy, and Washington counties in Nebraska. Promotions available 06/01/2020 to 09/30/2020. Member FDIC.