Minimum Opening Deposit
A $50.00 deposit is required to open this account.
Account holders may choose 3 of the follow options to add on to the account:
$50 cash deposit after the first time debit card is used 10 times.
20 Free non-UBT transactions per month.
Free Designer Debit Card
$10 cash deposit after enrolling in Mobile Banking.
Free Upgrade of Designer Debit Card.
$50.00
Account Restrictions
This account is only available to persons 16-25.
Students
Monthly Service Fee
$0.00
Debit Cards & Using ATMs
Debit Card
$0.00/yr
Non-affiliated ATM Usage Fee
This fee can be waived if you choose the add on option to receive 2 free non-affiliated transactions per statement cycle.Otherwise, there is a $2.00 fee each time you use a non-affiliated ATM or after your first 2 non-Union Bank & Trust ATM withdrawals per month.The fee estimate assumes that this account will be enrolled in the 2 free non-affiliated ATM option.
$2.00/per use
International ATM Usage Fee
There is a $2.00 fee each time you use a ATM in another country. The first 2 uses per statement cycle are free.
$2.00/per use
Electronic & Telephone Banking
Online Bill Pay
Free
Mobile & Text Banking
This 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.
Free
Deposit Checks with Mobile Phone
This feature is available for the iPhone, iPad, and Android mobile application.
Free
Person-to-Person Payments
$.50 per transaction with PopMoney. Can make an instant payment for $2.50
Free
Email Alerts
This 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
Free
Checks & Statements
Unlimited Check Writing
Yes
Free or Discounted Checks
No
Monthly Paper Statements
Yes
Check Images with Statements
$2.00/month
Online Statements
Online statements are required for this account.
Yes
Online Check Images
Images of canceled checks can be viewed online.
Yes
Overdrawing the Account
Negative Balance Fee
A $25.00 Continuous Overdraft Fee will be charged on every fifth consecutive day the account is in overdraft status
Yes
Returned Item Fee
The Insufficient Funds Fee is $34.00 per overdraft.
$34.00/per item
Overdraft Protection
This 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.
Available
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.