Minimum Opening Deposit
A $1,000.00 deposit is required to open this account.
$1,000.00
Monthly Service Fee
$0.00
Interest Rate
When activity requirements are met, account earns 0.70% for balances below $100,000 and 0.10% on balances over $100,000.00. If requirements are not met, APY is 0.05%To qualify for the bonus rate, each month you must: - Have at least one direct deposit; - Log into Online Banking at least once; - Receive monthly statements electronically; - Make at least 12 debit card transactions.
up to 0.70%
Debit Cards & Using ATMs
Debit Card
$0.00/yr
Non-affiliated ATM Usage Fee
After 2 free withdrawals per statement cycle, there is a $2.00 fee each time you use a non-affiliated ATM.
$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
Free thru Zelle
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.