The Business Owners' Toolbox

Business Checking Accounts Business Savings/Money Market Cash Management Tools Business Loans Business Start-Ups Managing Your Human Resources Other Business Services Our Benefits for Your Employees

Business Checking Accounts Small Business Checking Simple and easy to manage, this is the right account for a small business. Minimum opening balance $100 Minimum daily balance requirement (If minimum daily balance is not met, there will be a $5.00/monthly fee assessed) $500 Checks/debits per month 50 Per transaction after 50 $0.15 Interest Non-interest bearing E-statements & check images (Statements available online only) Monthly Businesses can also eliminate the $5 monthly service fee by having a business loan or business VISA card at UB&T. From UB&T's online banking you can obtain your monthly statements, check images and daily transactions; make transfers between accounts and even pay your bills. Non-Profit Checking Non-Profit Groups and Organizations can enjoy free checking with UB&T. The monthly statement is delivered through our website. Ask our Personal Bankers for details.   Top Commercial Checking This account is designed for businesses that keep significant balances or have high transaction activity. The payment of interest on checking accounts for partnerships or corporations is prohibited. So an earnings credit is used instead of interest to offset monthly service fees. Monthly statements   Per check charge $0.15 Charge per item deposited $0.06 Monthly service charge $8.00 Charge for negative collected balance during statement cycle $0.90/ per $100 Earnings credit applies to offset service fees. Credit for average collected balance maintained during statement cycle is indexed to the 90-day T-Bill. Top E-Business Checking Designed for businesses that access the internet and write over 50 checks per month. It offers a low monthly service charge of $1 because you receive your monthly statement from our website. Your account balance works for you because the earnings credit offsets your monthly processing fees. Processing fees are the same as our commercial checking.   Commercial Checking with a Sweep Account This account is designed for larger companies who wish to move excess funds to an interest-bearing savings or money market account. Commercial Checking implements a monthly account activity analysis and an earnings credit based on the 90-day T-Bill. Commercial Checking with Interest Designed for businesses that are eligible to earn interest on their checking account balances. (Ex: sole proprietors, non-for-profits). Monthly fees are the same as commercial checking with interest earnings credited each month. Business Savings & Money Market Business Savings This is a great way to save your money for future needs. You earn interest on your account. Six withdrawals from the account each month are free. Business Money Market Our Money Market Account allows you to save your money and earn interest at a higher rate, along with allowing limited check writing activity. Your interest earnings is maximized with our tier-balanced structure. Top Cash Management Tools Online Banking for Business Our online banking system offers a variety of tools for business that include bill pay, view daily account activity, make transfers between accounts, ACH origination and wire transfer capability. It is compatible with Quicken® and Microsoft Money®. For questions about banking online you can call the bank or email: CARE@UB-T.COM ACH Origination This comprehensive processing solution uses the Automatic Clearing House system to allow your business to collect receivables or disburse payments electronically. For example: collecting utility payments, membership dues, insurance premiums or crediting your employees their payroll by direct deposit. To discuss ACH with us please contact Deposit Operations at 608-882-5200 x4502 or email DEPOPS@UB-T.COM Desk Mate - Remote Deposit Terminals This service enables you to make your bank deposit from your office at any time of day. No more rushing to the bank every day. Remote Deposit allows you to scan, submit and deposit all of your checks electronically into your UB&T business checking account. To find out more about Remote Deposit contact Julie Redfern at 608-882-5200 x1125 or email JREDFERN@UB-T.COM Wire Transfers Customers can wire funds from their account or receive wires from another bank in the form of wire transfers. These can be done once or on a systematic basis. Merchant Card Processing Allowing customers to pay for goods or services with a credit/debit card is vital to the health of most businesses. UB&T has partnered with Wind River Financial of Madison, WI to provide competitive and reliable merchant services with the right equipment for your specific business needs. Contact a Personal Banker or Loan Officer if you would like to find out more. Top Business Loans Business Loans Available: UB&T and our family of banks provide complete loan services to help new or expanding businesses. If your business or farm is located in our market area of Dane, Green and Rock counties see our commercial lenders for your financing and banking needs. Commercial Loans Lines of Credit Revolving Line Seasonal Line Term Loan Construction Commercial Real Estate Small Business Administration (SBA) Letters Of Credit Ag Business Loans/Services available Farm Real estate Machinery and Cattle loans Annual Crop Operating Loans FSA Guaranteed loans Crop Insurance Top Business VISA Credit Card Our VISA Credit Card for business gives you an efficient way to keep track of business travel expenses, entertain clients and purchase supplies. A 25 day grace period on purchases gives you an opportunity to pay your balance before interest charges occur. You also receive free travel accident insurance when your travel fare is charged on your credit card account, all for a low annual fee of $25. To report your VISA credit card lost or stolen after business hours, call 1-866-604-0381. Visa Business Card application (pdf). Please DO NOT return applications by email. Business Start Ups Business Plan Services At UB&T we have resources available to assist start up businesses in developing their business plans. We recognize the importance of investigating the local market to better predict who your competition is and what the demand will be for your product or service. A thought out business plan will assist you in obtaining financing as well as provide a blue print for your success. Managing Your Human Resources Human Resource Assistance UB&T offers the expertise of the Human Resource Group to provide hands-on assistance and expertise to help companies deal with employee issues. These services include: Recruitment, Compensation & Benefit Plan Designs, Employee Development & Training, Executive Coaching, Policy Development, Outsourced HR Support, Human Resource Audits, Affirmative Action Plans and Payroll Services. Employee Benefits We can offer help with one of your largest expenditures, employee benefits. Our Financial Services Center** is contracted with more than 25 different insurance companies to provide group health, life and disability coverages for you and your employees. Other services include flexible spending accounts, health reimbursement arrangements and wellness programming, www.fscinvest.com. Top 401K Plans The Financial Services Center** is committed to meeting your retirement plan needs with outstanding guaranteed service and local support, investment strategies backed by over a century of financial expertise, and some of the lowest plan fees available. You get: Nearly 60 years of experience servicing retirement plans. A commitment to leading edge technology. A variety of plan sponsors to choose from and services to help you manage your plan. Help communicating and educating your employees. A diversified, custom built package of competitive investment options. Other Business Services Business Insurance Planning Services The Financial Services Center** offers sophisticated planning services for almost every type and size of business. With proper planning we can help you attract and retain key employees, prepare for the unexpected and plan for the continuation or sale of your business when you are ready to retire. Trust Services UB&T has had a Trust Department* since 1950. We assign far fewer clients to our Trust officers, so they have time to spend more time with each customer. Our investment advisers are professional and we use no load mutual funds. Trusts can be a wonderful tool for estate planning. Contact Chris Eager at 608-882-5200 x1112 or CEAGER@UB-T.COM to find out if a trust would benefit you. Top Personal Financial Planning Services Working with a financial planner can be a helpful step in securing your financial future. Most of us are far too busy with family and our own career to plan effectively. Effective planning requires time, and knowledge specific to tax laws, economics, insurance, investments, social security benefits, wills and trusts as well as the tools to develop and implement a coordinated effective plan. Feel free to contact Jeffrey G. Collins, CFP, CLU in the Financial Services Center**, 608-882-5200 Extension 1110, to arrange for a review of your current financial resources, identify and prioritize goals and objectives, then, develop and implement effective solutions. Personal Financial Planning / Retirement Plans / Investment Services / Insurance / Education Planning * Not all investment products are FDIC insured; Non-Deposit Investment Products (NDIPs) are not a deposit or other obligations of, or-guaranteed by, Union Bank & Trust Company; Non-Deposit Investment Products (NDIPs) are subject to investment risk, including possible loss of principal amount invested. **SII Investments, Inc. member FINRA, SIPC and a Registered Investment Advisor, is not affiliated with Union Bank & Trust Company or Financial Services Center. Securities and advisory services offered through SII Investments, Inc. are: NOT INSURED BY FDIC OR ANY FEDERAL AGENCY, MAY LOSE VALUE. NO BANK GUARANTEE. Our Benefits for Your Employees UB&T at Work is a suite of benefit and special offers for your employees Checking with payroll direct deposit No monthly minimum balance requirement No monthly service fee Write up to 25 checks monthly for free Free CheckMate Debit Card E-Statement to save a tree! Free Online Banking and Bill Pay Check Credit - a line of credit for your checking account, just in case you have an overdraft or payday is an extra day away. Subject to credit approval. Annual fee of $50 is waived the first year. $100 Discount of Closing Costs on a home mortgage or equity loan. A quarter percent discount on a consumer loan (auto, boat, snowmobile, etc.) with automatic payment from your UB&T checking or savings account. A quarter percent bonus on the interest rate of a certificate of deposit. (Limited to one certificate of deposit account per year) Free consultation for retirement or financial planning* Free insurance analysis*   * Not all investment products are FDIC insured; Non-Deposit Investment Products (NDIPs) are not a deposit or other obligations of, or guaranteed by, Union Bank & Trust Company; Non-Deposit Investment Products (NDIPs) are subject to investment risk, including possible loss of principal amount invested. **SII Investments, Inc. member FINRA, SIPC and a Registered Investment Advisor, is not affiliated with Union Bank & Trust Company or Financial Services Center. Securities and advisory services offered through SII Investments, Inc. are: NOT INSURED BY FDIC OR ANY FEDERAL AGENCY, MAY LOSE VALUE. NO BANK GUARANTEE. Top