Minimum Opening DepositA $1,000.00 deposit is required to open this account.
Monthly Service Fee
Interest RateWhen activity requirements are met, account earns 0.90% for balances below $100,000 and 0.10% on balances over $100,000.00. If requirements are not met, APY is 0.05% To qualify for the bonus rate, each month you must: - Have at least one direct deposit; - Log into Online Banking at least once; - Receive monthly statements electronically; - Make at least 12 debit card transactions.
up to 0.90%
Debit Cards & Using ATMs
Non-affiliated ATM Usage FeeAfter 2 free withdrawals per statement cycle, there is a $2.00 fee each time you use a non-affiliated ATM.
International ATM Usage FeeThere is a $2.00 fee each time you use a ATM in another country. The first 2 uses per statement cycle are free.
Electronic & Telephone Banking
Online Bill Pay
Mobile & Text BankingThis institution supports: - A text messaging service to view account balances, view recent activity, locate ATMs; - A mobile-browser website to view recent activity, transfer funds, pay bills, locate ATMs; - An iPhone and iPad application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs; - An Android application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs.
Deposit Checks with Mobile PhoneThis feature is available for the iPhone, iPad, and Android mobile application.
Person-to-Person Payments$.50 per transaction with PopMoney. Can make an instant payment for $2.50
Email AlertsThis Email Alert feature enables you to receive: - Warnings when your balance falls below a certain threshold; - Notice of deposits or withdrawals over a certain threshold; - The bad news that your account balance is below $0.
Included with Online Banking
Automated Phone Banking
Checks & Statements
Unlimited Check Writing
Free or Discounted Checks
Monthly Paper Statements
Check Images with Statements
Online StatementsOnline statements are required for this account.
Online Check ImagesImages of canceled checks can be viewed online.
Overdrawing the Account
Negative Balance FeeA $25.00 Continuous Overdraft Fee will be charged on every fifth consecutive day the account is in overdraft status
Returned Item FeeThe Insufficient Funds Fee is $34.00 per overdraft.
Overdraft ProtectionThis checking account has 2 options for Overdraft Protection.From a linked Savings Account: - Transfer fee of $3.00. The transfer fee is charged per transaction; - Funds are transferred in fixed increments of $100.00.From a linked Alternate Checking Account: - Transfer fee of $3.00. The transfer fee is charged per transaction; - Funds are transferred in fixed increments of $100.00.
About Union Bank & Trust
Union Bank & Trust is a Nebraska-based, family owned bank, with thirty-six full service and loan production offices located in twenty-two Nebraska and Kansas communities. Through this family's progressive, customer-focused management style, the institution has grown into a thriving, financially diverse organization.