Checking Your Way  – FREE!

Open a UB&T free checking account that is designed for you! Union Bank & Trust Company checking accounts require no minimum balance and no monthly maintenance fee. Account statements are generated monthly and available on the UB&T online banking website for free, or you can have your monthly statement delivered by mail for $3.00. Your checking account will be earning interest, making money for you. The only balance requirement is $100 to open your account. *Overdraft / return item fees may apply if your balance drops below zero.       

Benefits of UB&T free checking:

  • Free ATM withdrawals at UB&T automated teller machines and those within the ACCESS network.
  • Free online banking and bill pay.
  • UB&T Online Banking features Popmoney, making sending and receiving money as easy as emailing and texting.
  • Free Mobile Banking provides anytime, anywhere access to your accounts.
  • Free check imaging available online. If you need a front/back copy of a check and don’t have internet access someone on our staff can help you.

Switch to UB&T

You’ve made a great decision to join the UB&T family and switching to us is easy! As our thanks, let us take care of the paperwork. Our personal bankers work hard to make it easy for you; get started with our One Visit Switch Kit.

Personal 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 are maximized with our tier-balanced structure.

Check Credit Line of Credit

This personal line of credit is designed to protect your checking account from becoming overdrawn. It can be set up so that each deposit you make will be applied to the loan balance first. Talk with your personal banker or loan officer on the terms and details.

Check Orders

UB&T prints all our checks in-house. Please call or email your local bank to order your checks.

Savings Accounts

Save your money at UB&T. We offer different options to meet your financial goals.

Personal 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.

Young Saver’s Club

A savings account designed for customers under 18 years of age. This is a great way to teach kids about money management and saving for the future.

Christmas Club

Start savings for the holidays today. Money can be added anytime.

Overdraft Prevention

Contact your personal banker or loan officer on the terms and details.

Debit Card

To report a lost or stolen debit card, please contact any of of our locations during normal business hours. If after hours, please call 800-236-2442 and then contact your local office on the subsequent business day to order a replacement card.

Direct Deposit

Receive your Social Security and other federal benefit payments through direct deposit. To learn how easy, convenient and safe it is, log on to

Our bank routing number is 075902816 for all electronic deposits or withdrawals.

Safe Deposit Box

Protect your important valuables and papers from fire or theft by storing them in a safe deposit box at any of our bank locations. We have a variety of sizes available. For only pennies a day have the peace of mind knowing your items are safe with us.