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 Union
Bank & Trust Company offers a variety of checking
accounts. There is sure to be one that fits your banking
style. All our accounts include:
- Free Checkmate Check Card to qualifying customers.
- Free ATM withdrawals at UB&T automated teller
machines and those within the ACCESS network.
- Free online banking and bill pay.
- 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.
- Free 24 Hour Phone Bank. Call (608) 882-6952
or toll-free at 1-877-BankUBT.
UB&T also features a package pricing program
which allows you to avoid service charges by having
either a savings, CD, or mortgage loan with us. Contact
one of our Personal Bankers to select the plan that
best suits your needs.
Union ACH
The Union ACH Checking Account is great for those
individuals that receive direct deposit of payroll,
social security, or any other income. $100 is required
up front to open the account, but there after no minimum
balances are required. Individuals can write up to
25 checks for free each month. Statements are generated
monthly and mailed.
E-Checking
This checking account is designed for those who enjoy
banking online. Account statements are generated monthly
and only available on the UB&T online banking
website. For this added convenience with your E-Checking
Account, you will be earning interest, making money
for you. The only balance requirement is at account
opening, after that there is not a minimum balance
to maintain. 25 checks can be written for free each
month.
Union ACH Union Basic
If you write a lot of checks each month the Union
Basic account is for you. For a small fee you will
have unlimited checking activity. $100 needs to be
deposited at opening, but there after no minimum balance
are required.
Union Plus
The Union Plus checking account is designed for
individuals that like to keep high balances. A minimum
balance of $1,000 needs to be maintained. This account
pays interest so you will be making money on your
account. 25 checks can be written each month for free.
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.
Checkmate Debit
Card
Avoid the hassle of writing checks by having a UB&T
Checkmate Card. This is a dual purpose card meaning
you can make purchases at any merchant that accepts
MasterCard or use your check card to obtain cash at
all automatic teller machine (ATM). Check card transactions
are automatically deducted from your UB&T checking
account. Transactions will appear on your monthly
statement.
A Checkmate Card is Free if you have a Personal
Checking with UB&T or one of our family of banks.
Stop in and complete your application today.
UB&T VISA
Credit Card
When you travel and shop, carry the credit cards
that carry our name and our guarantee of customer
satisfaction. Our VISA Classic Card and VISA Rewards
Card are accepted worldwide. Use them for purchases
or to get cash at more than 360,000 bank offices and
automated teller machines (ATM) around the world.
Your Visa Card is password protected when shopping
at participating online stores. Travel accident insurance
is free when you pay for your travel with our credit
card. You also receive automatic coverage on rental
vehicles, at no additional cost, for damage due to
collision or theft.
24-hour card member service at 1-800-423-7503 or
view your account information online at www.mycardstatement.com
Download a credit
card application or contact
one of our offices.
 Save
your money at UB&T. We offer different options to
meet your financial goals. Contact
one of our Personal Bankers to find the savings plan
that best suits your needs.
Regular Savings
This is a great way to save your money for future
needs. You earn interest on your account. Three withdrawals
from the account each month are free.
Kids Klub Savings Account
A savings account designed for kids under 16 years
of age. This is a great way to teach kids on money
management and saving for the future. Kids will receive
a quarterly newsletter filled with special savings
incentives and fun activities. UB&T offers a Kids
Kash website for online help with homework and
more.
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 is maximized with our tier-balanced structure.
Christmas Club
Start savings for the holidays today. Money can
be added anytime. Your check will be mailed to you
by November 1st of each year.
 To
learn more about UB&T Certificate of Deposits,
interest rates, and current specials contact
one of our Personal Bankers.
Personal Certificate of Deposits
UB&T Certificates allow you to save your money
at a guaranteed interest rate at a term that fits
your needs. We offer a variety of terms. You are subject
to a penalty if withdraw from CD early.
1 Year Add-on Certificates
Add money to your certificate anytime during the
term. A great account for children and teens saving
for college. Terms are one year in length. The account
enjoys a variable interest rate. Rates are based on
the 3-Month Treasury Bill and subject to change. A
penalty may occur if withdraw from CD early.
 Save
for your retirement by opening an Individual Retirement
Account (IRA) at UB&T. Contact one of our Personal
Bankers to learn more about our interest rates, current
specials, and to open your IRA CD.
Traditional IRA
Pay less in your taxes now when opening a Traditional
IRA. If you have earned income, you and your spouse
can contribute up to $5,000 each for your retirement.
Individuals over 50 years of age can also take advantage
of catch-up contributions.
Roth IRA
Earn tax-free growth of your retirement money and
receive tax-free qualified withdrawals with a Roth
IRA. If you have earned income, you and your spouse
can contribute up to $5,000 each for your retirement.
Individuals over 50 years of age can also take advantage
of catch-up contributions.
Direct Rollovers/Transfers
Take advantage of UB&T IRA CDs by rolling over any
employer pension or profit sharing plans or transferring
your IRA at another financial institution to UB&T.
We can do all the paperwork for you.
UB&T advises those interested in opening an IRA
to also consult your tax advisor to determine which
IRA type best suits your financial situation.
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