Personal Checking Accounts

The best checking account to fit your lifestyle

Your checking account should work for you, not the other way around. Choose an account that offers the features and benefits you really want — plus a cash bonus of up to $150* when you meet requirements.

Compare All

Simply Free Bonus MyStyle Journey
No age requirement No age requirement For those ages 14 to 25 For those age 50 and over
$50 minimum opening deposit $1,000 minimum opening deposit $50 minimum opening deposit $50 minimum opening deposit
No monthly maintenance or activity fee No monthly maintenance or activity fee No monthly maintenance or activity fee $10 monthly maintenance
fee can be waived as one of three account options
 
Online and mobile banking (UBTgo) Online and mobile banking (UBTgo) Online and mobile banking (UBTgo) Online and mobile banking (UBTgo)
Free Visa debit card Free Visa debit card Free Visa debit card Free Visa debit card
Unlimited check writing Unlimited check writing Unlimited check writing Unlimited check writing
  Earns interest, interest rate varies   Earns interest, interest rate varies
Free ATM usage at all Union Bank ATMs* Free ATM usage at all
Union Bank ATMs*, plus two non-Union Bank ATMs each statement cycle
Free ATM Usage at all
Union Bank ATMs*, plus choice of up to 20 non-Union Bank ATMs each statement cycle
Free ATM usage at all
Union Bank ATMs*, plus two non-Union Bank ATMs each statement cycle
e-Statements recommended, but not required e-Statements required to qualify for Bonus rate e-Statements required to earn $50 bonus e-Statements recommended, but not required
  Earns higher interest
when these criteria are
met in a statement cycle:
Choose three of the
following features:
Choose three of the
following features:
  At least 12 debit card purchases posted (excludes ATM transactions)

$50¹ (requires e-Statements and 10 point-of-sale transactions)

Fee Freedom – waives the $10 monthly maintenance fee, if it applies.
 

Receive e-Statements (requires enrollment via online or mobile banking and ongoing valid email address)

ATM Fee Freedom²

Free checks —
free specialty gray wallet checks when selected as a feature. (Discount may be available on alternate styles.)
  Access online or mobile banking at least once Free designer debit card Free designer debit card
  One direct deposit posted to this account Free replacement of your designer debit card Free check images —
free if enrolled in e-Statements (monthly $2 check image fee is waived); copies of checks provided in your printed statement.
    $10 mobile banking bonus³ $10 bonus for enrolling your account in e-Statements via online or mobile banking within 60 days of account opening.

*Does not waive surcharges some ATM owners may assess.

MyStyle Checking for ages 14-25. $50 opening deposit. (1)Within 60 days of account opening you must enroll in e-Statements via online or mobile banking and have 10 debit card purchases posted (excludes ATM transactions). $50 credited to active account within 10 days of month-end if both requirements met. New checking account customers only. Cannot be combined with other offers. (2)ATM usage fee at non-UBT ATMs waived on first 20 transactions posted per statement cycle (excludes surcharges ATM owners may assess). (3)$10 deposited to active account within 30 days of account-opening month-end.

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

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.

debit cards

Debit Cards

Getting a debit card is fast (and easy)

Need a new debit card? You can choose from more than 50 designer debit card options and have one printed instantly at any UBT branch, or we can send it in the mail.

More reasons to choose checking with UBT

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 — or an amount you choose — 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.

Interested in Moving to UBT?

We’ll send info to make it easier.

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.

Tom Jara

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
Relationship Advantage: A premium program for our most invested customers

Fee Relief

With $10,000 in combined personal accounts (HSAs excluded), your monthly maintenance fee, debit activity fees, and return deposited item fees are waived on one personal checking account.

ATM freedom

Enjoy free, unlimited use of all non-Union Bank ATMs 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. Applies where the primary account holder is the same on the qualifying deposit accounts and checking account.

Frequently Asked Questions

I need a voided check for my direct deposit, where can I get one?

A branch can print a direct deposit form for you. You can also download and print our Direct Deposit Form.

What is a checking account?

A checking account is a basic bank account that allows you to deposit and withdraw money in a variety of ways at your convenience.

How can I add someone to an account?

The fastest way to add someone to your account would be to stop into any branch location with them.

How can I remove an owner from an account?

We are not able to remove an account owner; a new account would need to be opened.

How can I close an account?

We require a signature from an account owner to close an account. The fastest and simplest way is to stop into any branch location. 

Can I have multiple checking accounts?

Yes, Union Bank and Trust does not place limits on the number of checking accounts that you maintain with us.

*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.