- Do not leave deposited checks lying around, do not put deposited checks in trash or recycle containers, unless they have been shredded first.
- When logged into UBTgo from your mobile device, click on the "Deposits" on the bottom of the screen, or from the Menu at the top of the screen, select "Deposit a Check"
- Be sure to endorse the back of the check with "For Mobile Deposit Only at Union Bank" and your signature
- Select the account you wish to deposit into
- Enter the amount of the check
- Take images of the front and back of the check
- Select "Make Deposit"
- Successful deposits will be listed under "View Deposit History"
Deposit Limits
Funds Availability
How do I set up online banking?Visit ubt.com or download the UBTgo mobile app. Choose the registration option and fill out all of the information asked for.
For UNL international students, faculty, and staff:
If you do not have a social security number, use the first four digits of your UNL Student ID number unless otherwise instructed. If you haven't gotten a U.S. phone number yet, fill in the phone number field with zeros.
Where can I find my full account number in UBTgo?The full account number is now available in both Desktop and Mobile in the account details section.
- Desktop – Select Account > Account Details is on the right side of the page > Select Show Full Account to display full account number
- Mobile – Select Account > Select Account Details icon > full account number is displayed
Current Balance is your most up-to-date balance, which includes pending activity, while your Available Balance reflects collected funds and identifies available funds for purchases and payments. The Available Balance may reflect differently from your Current Balance if you have pending or recent deposit activity.
How do I use debit card controls?You can freeze your card from the associated account screen.
You can manage real-time alerts and set limits from within the More menu on the new release of the UBTgo mobile app.
Can I see my balance without logging in to the mobile app?Yes, to enroll you will need to login to the mobile app. Tap the More menu and choose Quick Balance. Slide the toggle on. Once enabled, you will be able to toggle on the accounts for which you would like to see balances. After you've made your selections, tap Save. The next time you launch the app, tap Quick Balance in the bottom right of the login screen to see your account balances.
How can I see pending credit card transactions in the UBTgo mobile app?Pending transactions can be viewed within the app by tapping Pay Now button within the credit card account screen. This will sign you in to the credit card portal where you can access all of your UBT credit card information, transactions, and make payments.
How do I make a loan payment from the mobile app?If you have a UBT deposit account, you can easily make payments to your UBT loan using the Move Money feature within the mobile app. Log in, select Move Money from the menu, and setup a transfer from the deposit account to your loan.
If you do not have a UBT deposit account, please make your payment on our website here.
How do I change the order of my accounts in the mobile app?Within the UBTgo mobile app, accounts are organized by type of account (checking, savings, loans) and then alphabetically by nickname within that account type. You can manipulate the order of accounts within the account type by changing your accounts' nicknames (nicknames are available for loans, HELOCs, checking and savings). To change an account's nickname, click on the account. On the account screen, slide the account action options all the way to the right to tap Details. Within the Details drawer, select the Change button next to the account nickname. Type the new name and tap save.
How do I view pending mobile deposits within the app?You can view your mobile deposit history by visiting the Deposit section of the app and tapping the history icon in the top right corner.
How do I log out of the mobile app?You can force log out of the UBTgo mobile app by tapping the icon on the top right of the Accounts listing screen or by visiting the More menu and tapping the Sign Out option in the Security section.
What if I get an error message when I try to enroll in Zelle® with an email address or U.S. mobile number?
Your email address or U.S. mobile phone number may already be enrolled with Zelle® at another bank or credit union. Call the Customer Support Team at 833.323.1454 and ask them to move your email address or U.S. mobile phone number to UBT so you can use it for Zelle®.
Once customer support moves your email address or U.S. mobile phone number, it will be connected to your UBT bank account so you can start sending and receiving money with Zelle® through the UBTgo mobile banking app and online banking.
I'm unsure about using Zelle® to pay someone I don't know. What should I do?If you don't know the person, or aren't sure you will get what you paid for (for example, items bought from an online bidding or sales site), you should not use Zelle® for these types of transactions.
These transactions are potentially high risk (just like sending cash to a person you don't know is high risk). Neither UBT nor Zelle® offers a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.
Is my information secure?Keeping your money and information safe is a top priority. When you use Zelle within our mobile app or online banking, your information is protected with the same technology we use to keep your bank account safe.
Will the person I send money to be notified?Yes! They will receive a notification via email or text message.
How long does it take to receive money with Zelle®?Money sent with Zelle® is typically available to an enrolled recipient within minutes 1 .
If you send money to someone who isn't enrolled with Zelle®, they will receive a notification prompting them to enroll. After enrollment, the money will move directly to your recipient's account, typically within minutes 1 .
If your payment is pending, we recommend confirming that the person you sent money to has enrolled with Zelle® and that you entered the correct email address or U.S. mobile phone number.
If you're waiting to receive money, you should check to see if you've received a payment notification via email or text message. If you haven't received a payment notification, we recommend following up with the sender to confirm they entered the correct email address or U.S. mobile phone number.
Still having trouble? Please contact Customer Support.
1) Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®.
Can I cancel a payment?You can only cancel a payment if the person you sent money to hasn't yet enrolled with Zelle. To check whether the payment is still pending because the recipient hasn't yet enrolled, you can go to your activity page, choose the payment you want to cancel, and then select "Cancel This Payment."
If the person you sent money to has already enrolled with Zelle, the money is sent directly to their bank account and cannot be canceled. This is why it's important to only send money to people you trust, and always ensure you've used the correct email address or U.S. mobile number when sending money.
If you sent money to the wrong person, we recommend contacting the recipient and requesting the money back. If you aren't able to get your money back, please contact Customer Support.
Scheduled and recurring payments are not sent with Zelle. You can cancel a payment that is scheduled in advance if the money has not already been deducted from your account.
Can I use Zelle® internationally?In order to use Zelle®, the sender and recipient's bank accounts must be based in the U.S.
How does Zelle® work?When you enroll with Zelle® through your online banking Bill Pay account, or mobile banking app, your name, the name of your financial institution, and the email address or U.S. mobile number you enrolled is shared with Zelle® (no sensitive account details are shared – those stay with your financial institution).
When someone sends money to your enrolled email address or U.S. mobile number, Zelle® looks up the email address or mobile number in its "directory" and notifies your financial institution of the incoming payment. Your financial institution then directs the payment into your bank account, all while keeping your sensitive account details private.
What if I want to send money to someone whose bank doesn't offer Zelle®?You can find a full list of participating banks and credit unions live with Zelle® at https://www.zellepay.com/.
If your recipient's financial institution isn't on the list, don't worry! The list of participating financial institutions is always growing, and your recipient can still use Zelle® by downloading the Zelle® app for Android and iOS.
To enroll with the Zelle® app, your recipient will enter their basic contact information, an email address and U.S. mobile number, and a Visa® or Mastercard® debit card with a U.S. based account (does not include U.S. territories). Zelle® does not accept debit cards associated with international deposit accounts or any credit cards.
How do I get started with Zelle®?It's easy — Zelle® is already available within UBTgo mobile banking app and online banking within Bill Pay! Sign-in on the desktop and follow a few simple steps to enroll with Zelle® today.
What kind of payments can I make with Zelle®?Zelle® is a great way to send money to family, friends, and people you are familiar with such as your personal trainer, babysitter or neighbor 2 .
Since money is sent directly from your bank account to another person's bank account within minutes 1 , Zelle® should only be used to send money to friends, family and others you trust.
Neither UBT nor Zelle® offers a protection program for any authorized payments made with Zelle® – for example, if you do not receive the item you paid for or the item is not as described or as you expected.
1) Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle® .
2) Must have a bank account in the U.S. to use Zelle® .
If you have already enrolled with Zelle® , you do not need to take any further action. The money will move directly into your bank account, typically within minutes 1 .
If you have not yet enrolled with Zelle® , follow these steps:
- Click on the link provided in the payment notification you received via email or text message.
- Select your financial institution.
- Follow the instructions provided on the page to enroll and receive your payment. Pay attention to the email address or U.S. mobile number where you received the payment notification - you should enroll with Zelle® using that email address or U.S. mobile number to ensure you receive your money.
1) Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle® .
How do I use Zelle® ?You can send, request, or receive money with Zelle® .
- To get started, log into online banking or your mobile app, navigate to Bill Pay and select "Send Money with Zelle®". Accept terms and conditions, enter your email address or U.S. mobile phone number, receive a one-time verification code, enter it, and you're ready to start sending and receiving with Zelle® .
- To send money using Zelle® , simply add a trusted recipient's email address or U.S. mobile phone number, enter the amount you'd like to send and an optional note, review, then hit "Send." In most cases, the money is available to your recipient in minutes 1 .
- To request money using Zelle® , choose "Request," select the individual(s) from whom you'd like to request money, enter the amount you'd like to request, include an optional note, review and hit "Request" 3 .
- To receive money, just share your enrolled email address or U.S. mobile phone number with a friend and ask them to send you money with Zelle®.
1) Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle® .
2) Must have a bank account in the U.S. to use Zelle® .
3) In order to send payment requests or split payment requests to a U.S. mobile number, the mobile number must already
enrolled with Zelle® .
You can send money to friends, family and others you trust 2 .
Since money is sent directly from your bank account to another person's bank account within minutes 1 , it's important to only send money to people you trust, and always ensure you've used the correct email address or U.S. mobile number.
1) Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle® .
2) Must have a bank account in the U.S. to use Zelle® .
Zelle® is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes 1 . With just an email address or U.S. mobile phone number, you can send money to people you know and trust, regardless of where they bank 2 .
1) Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle® .
2) Must have a bank account in the U.S. to use Zelle® .
If enrolling in Zelle® and Billpay for the first time through the mobile app, you'll need to visit the "More" section of the app. Scroll down to the lower section and select "Payments" and follow the prompts to start sending money with Zelle® . Watch a short video here.
Once enrolled in BillPay and/or Zelle® , you'll have a Zelle® icon available from the "Move Money" section of the app.
What is account aggregation?Account aggregation is a service provided by some online financial and payment providers that allows their users to consolidate or link personal financial account information from their various online financial relationships. It’s important to note that account aggregation only allows these providers to download past transactions and display balances, not make transactions.
How does account aggregation work?Account aggregators register at each financial institution using credentials provided by you, the client. From there, they use “screen scraping” or an application programming interface (API) to gather and display your transaction and balance information. An API provides better security than screen scraping.
Is account aggregation safe and secure?When using account aggregation, it’s important to weigh the convenience and benefits with the inherent risks of sharing your personal credentials and having all your financial information stored in one location. It’s equally important to fully understand the privacy terms and conditions and data security methods of any third-party account aggregation service provider you utilize.
Please note, UBT doesn't support third-party applications utilizing account aggregation with which we do not have a direct relationship. UBT’s security policy also doesn't allow third-party account aggregators to log in on behalf of our customers without their intervention.
What account aggregator issues should I look out for?UBT clients should contact their third-party account aggregator or service provider directly if they experience the any of the following issues:
- Problems linking your UBT account(s) — fails after selecting account
- Ability to display some but not all UBT accounts
- Issues or questions concerning the exporting or downloading of transactions from your UBT account to third-party sites or dashboards
Authentication issues: In some cases, your authenticator might fail on login or you may receive a message saying there is a problem with your bank.
- Log in to your UBTgo account to verify you have the correct login credentials (username, password) and that multifactor authentication is correctly set up. It’s also good to ensure there are no updates to UBT’s Terms and Conditions that require acceptance. If none of these conditions exist, contact your third-party service provider for further support.
- Important note: None of the current third-party account aggregators accept cookies. This means that each login from these aggregators is recognized as a new device triggering MFA every time.
Account issues: The third-party aggregator or service provider cannot find the right account.
- Tip: Try manually linking your account. Some payment companies allow account connection via routing number and account number. If this doesn’t work, contact your third-party service provider for further support.
Some small businesses are able to receive payments with Zelle®. Ask your favorite small business if they accept payments with Zelle®. If they do, you can pay them directly from your mobile app using just their email address or U.S. mobile number.
Neither UBT nor Zelle® offers a protection program for any authorized payments made with Zelle®, so you should only send money to people (and small businesses) you trust. Always ensure you’ve used the correct email address or U.S. mobile number when sending money.
Can I pay my loan with an external account?Yes. You can set up your loan payments with an external account in the same way you would with a UBT account.
Once I submit my loan payment online through UBTgo online or mobile banking, when will my loan be paid?
If you’re paying from a UBT account prior to 9 p.m. CT on a business day, the payment will process on that same business day. If it’s after 9 p.m. CT on a business day or it’s a weekend or holiday, the payment will process on the next business day.
If you’re paying from a non-UBT account and submit your payment prior to 6 p.m. CT on a business day and you select the same day as the transfer date, the loan payment will credit on the next business day. If the payment is submitted after 6 p.m. CT on a business day or it’s a weekend or holiday, the earliest date available for you to select as the transfer date is the next business day. Your loan payment will then be credited within two business days.
How do I use a Zelle®️ QR code?Zelle®️ QR code provides peace of mind knowing you can send money to the right person, without typing an email address or mobile number.
To locate your Zelle®️ QR code, log into UBTgo, click “Send Money with Zelle®️”. Next, go to your “Zelle®️ settings” and click “Zelle®️ QR code” and your QR code will be displayed under “My Code”. From here you can view your QR code and use the print or share icons to text, email or print your Zelle®️ QR code. To receive money, just share your Zelle®️ QR code.
To send money, log into UBTgo, click “Send money with Zelle®️”, click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Once you allow access to your camera, simply point your camera at the recipient’s Zelle®️ QR code, enter the amount, hit “Send,” and the money is on the way! When sending money to someone new, it’s always important to confirm the recipient is correct by reviewing the displayed name before sending money.
