UBTgo®

The easiest way to bank

Our UBTgo^® app has a 4.9-star user rating, and we think it’s pretty great too. Download the app now to get easy account access on the go, pay your bills, transfer money, and more — all from your device of choice.

Download for Apple®

Download for Android®

UBTgo® Mobile App
UBTgo® Mobile App

Carry your bank in your pocket

If you have your mobile device, you have your bank with you. Our UBTgo^® app lets you do nearly everything you can do via a web browser, right from the palm of your hand. With the UBTgo^® app, you have access to:

Fast, easy mobile check deposit

Quick Balance feature

Debit card controls

Open new accounts

And much more
UBTgo® Online
UBTgo® Online

Bank anywhere you have an internet connection

Whether it’s from the comfort of your home or on the go, turn your web-capable device into your most convenient bank location. By logging in to UBTgo^® via a web browser, you have access to:

All your accounts in one convenient location

Debit card controls

Stop payment for checks

Transfer money to yourself and others

Pay bills

And much more

Debit Card Controls

We make it easy to protect your account

Block and unblock your card if it goes missing
Set up real-time card alerts for transactions on your card
Restrict transactions for certain types of purchases
Place location controls on in-person purchases

Log into UBTgo®

Easy money management with UBTgo®

Mobile check deposit

Deposit your birthday money before your candles are even done smoking. You can deposit checks whenever, wherever. Just be sure to endorse the back of the check with the words “For Mobile Deposit Only at Union Bank” along with your signature when you deposit your check.

Account-to-account transfers

Get your money where you need it, when you need it there, by utilizing UBTgo’s money management tools. Whether it’s transferring money between your UBT accounts, to someone else’s UBT account, or even to an account at another financial institution, UBT makes money transfers fast and easy.

Zelle®

Zelle^® is a convenient way to send and receive money with friends, family and others you trust, even if they bank somewhere different than you.1 Use Zelle^® to gift money, pay the sitter, or split the cost of a night out.

Pay on the go with mobile wallet

Have you added your UBT credit or debit card to your smartphone’s mobile wallet yet? Using your mobile wallet is a fast, simple, secure way to pay for goods and services. Not sure how to get started? Check out our step-by-step tutorial.

A woman smiling as she looks down at her phone

Personal BillPay

Save yourself a trip to the mailbox

Binge-watching shows is fun. Remembering to pay your utility bills is not. Set up your bills to be paid automatically, on whatever day you choose, with BillPay from UBT. There are no monthly fees, and you can set up reminders for upcoming bills.

Log into UBTgo

Set Up BillPay

Related resources

A woman working on her laptop at her kitchen table

Guide

Enrolling in UBTgo and setting up loan payments

Blog 7/1/24

UBTgo’s most useful features

Blog 5/1/24

Digitize your child’s allowance plan

Frequently Asked Questions

How do I use a Zelle®️ QR code?

Zelle®️ QR code provides peace of mind knowing you can send money to the right person, without typing an email address or mobile number.
To locate your Zelle®️ QR code, log into UBTgo, click “Send Money with Zelle®️”. Next, go to your “Zelle®️ settings” and click “Zelle®️ QR code” and your QR code will be displayed under “My Code”. From here you can view your QR code and use the print or share icons to text, email or print your Zelle®️ QR code. To receive money, just share your Zelle®️ QR code.

To send money, log into UBTgo, click “Send money with Zelle®️”, click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Once you allow access to your camera, simply point your camera at the recipient’s Zelle®️ QR code, enter the amount, hit “Send,” and the money is on the way! When sending money to someone new, it’s always important to confirm the recipient is correct by reviewing the displayed name before sending money.

Once I submit my loan payment online through UBTgo online or mobile banking, when will my loan be paid?

If you’re paying from a UBT account prior to 9 p.m. CT on a business day, the payment will process on that same business day. If it’s after 9 p.m. CT on a business day or it’s a weekend or holiday, the payment will process on the next business day.

If you’re paying from a non-UBT account and submit your payment prior to 3 p.m. CT on a business day and you select the same day as the transfer date, the loan payment will credit on the next business day. If the payment is submitted after 3 p.m. CT on a business day or it’s a weekend or holiday, the earliest date available for you to select as the transfer date is the next business day. Your loan payment will then be credited within two business days.

Can I pay my loan with an external account?

Can I pay a small business with Zelle®?

Some small businesses are able to receive payments with Zelle®. Ask your favorite small business if they accept payments with Zelle®. If they do, you can pay them directly from your mobile app using just their email address or U.S. mobile number.

Neither UBT nor Zelle® offers a protection program for any authorized payments made with Zelle®, so you should only send money to people (and small businesses) you trust. Always ensure you’ve used the correct email address or U.S. mobile number when sending money.

What are some fixes for common account aggregator problems?

Authentication issues: In some cases, your authenticator might fail on login or you may receive a message saying there is a problem with your bank.

Log in to your UBTgo account to verify you have the correct login credentials (username, password) and that multifactor authentication is correctly set up. It’s also good to ensure there are no updates to UBT’s Terms and Conditions that require acceptance. If none of these conditions exist, contact your third-party service provider for further support.
Important note: None of the current third-party account aggregators accept cookies. This means that each login from these aggregators is recognized as a new device triggering MFA every time.

Account issues: The third-party aggregator or service provider cannot find the right account.

Tip: Try manually linking your account. Some payment companies allow account connection via routing number and account number. If this doesn’t work, contact your third-party service provider for further support.

What account aggregator issues should I look out for?

UBT clients should contact their third-party account aggregator or service provider directly if they experience the any of the following issues:

Problems linking your UBT account(s) — fails after selecting account
Ability to display some but not all UBT accounts
Issues or questions concerning the exporting or downloading of transactions from your UBT account to third-party sites or dashboards

Need Support?

Connect with our people online

Connor

Customer Support Team Senior Specialist

Call 800.297.2837

Live Chat

iPhone^®, Apple Pay^®, Apple^®, and App Store^® are registered trademarks of Apple Inc.

Samsung Pay^® is a registered trademark of Samsung Electronics Co.

Android^™, Google Play^™, and Google Play logo are trademarks of Google LLC.

^✳Message and data rates may apply.

App Store is a service mark of Apple Inc. Apple and the Apple logo are trademarks of Apple Inc, registered in the U.S. and other countries. Android, Google Play, and the Google Play logo are trademarks of Google Inc. Data charges may apply. Check with your mobile phone carrier for details. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

¹ Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle.