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.
This account is only available to persons 16-25.
Monthly Service Fee
Debit Cards & Using ATMs
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.
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.
Electronic & Telephone Banking
Online Bill Pay
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.
Deposit Checks with Mobile Phone
This feature is available for the iPhone, iPad, and Android mobile application.
$.50 per transaction with PopMoney. Can make an instant payment for $2.50
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
Checks & Statements
Unlimited Check Writing
Free or Discounted Checks
Monthly Paper Statements
Check Images with Statements
Online statements are required for this account.
Online Check Images
Images of canceled checks can be viewed online.
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
Returned Item Fee
The Insufficient Funds Fee is $34.00 per overdraft.
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.
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.