Personal Banking

Putting the “personal” in personal banking

From checking and savings to loans and wealth management, 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. 

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.

Message and data rates may apply.

A screenshot of the UBTgo mobile app.

Need More Help?

Contact a personal banker near you

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

 

**Checking offer not valid for primary accountholder on existing UBT personal checking account(s). Savings offer not valid for primary accountholder on existing Simply Savings or Simply Savings Student account(s). Offer not valid if existing checking or savings accounts closed within the last 120 days. Receive $100 when you open a Simply Free checking account and complete the following within 90 calendar days of account opening: (1) have $500 in electronic direct deposits posted; and (2) enroll in paperless statements via online or mobile banking. Receive $150 when you open an interest-earning checking account (Simply Free Plus, Simply Free Platinum, or Premium Interest Advantage) and complete the following within 90 days of account opening: (1) have $2,500 in electronic direct deposits posted; and (2) enroll in paperless statements via online or mobile banking. Receive $100 when you open a Simply Savings account and complete the following within 90 days of account opening: (1) maintain a $2,500 balance; and (2) enroll in paperless statements via online or mobile banking. Bonus is credited to your active account within 100 days of account opening if you meet requirements. $1,000 opening deposit required on Simply Free Plus checking accounts. Simply Savings requires a $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, Simply Free Platinum requires a $100 minimum daily balance to earn .20% APY. Simply Savings earns .40% APY. APYs accurate as of 09/24/2024. 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. Simply Free Platinum accounts are designed for people ages 50 and over. Premium Interest Advantage is limited to residents of Douglas, Sarpy, and Washington counties in Nebraska. Promotions available 07/1/2024 to 11/22/2024. Member FDIC.