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UBTC offers four checking accounts, twosavingsaccounts, a money market account and CDs.
UBTC has an expansive number of checking accounts that cater to different needs.
For 2025, GOBankingRates has ranked UBTC as one of theBest Banks in Nebraska.
All accounts do not have monthly maintenance or activity fees.
Some accounts earn interest.
Both accounts can earn interest based on account balances.
The minimum deposit to open a CD is $1,000.
The APY ranges fromto.
However, some may find the $1,000 minimum deposit a high bar.
It offers aAPY on balances $10,000 and up, depending on the balance tier.
Ally is an online-only bank that features low fees and high interest rates on its deposit accounts.
Banking Experience
United Bank and Trust Company offers mobile banking through its comprehensive mobile app.
Customer Service
To contact United Bank and Trust Company customer service, call 1-800-297-2837.
Truist offers retail and commercial banking, securities brokerage, asset management and insurance products.
UBTC is more community-focused, while Truist offers various services across a wider geographic area.
They also offer auto, home equity, personal and student loans.
Commerce Bank is a better choice for customers because of its broader variety of services and larger web link.
UBTC caters more to local businesses and individual banking needs.
Final Take
UBTC offers a variety of checking and savings accounts for its customers.
There are savings account options for young kids and adults that earn interest.
Checking accounts cater to a variety of financial goals for different customer needs.
CDs also offer competitive APYs.
Data was sourced from June 2024 FDIC reports, along with a selection of leading neobanks.
For savings and checking accounts, we chose only one product per category per institution.
If an institution did not offer a given product, it was not scored.
For institutions with multiple checking accounts, we selected fee-free options or those with the lowest barrier to entry.
If multiple savings accounts met these criteria, we selected the one with the highest APY.
All APYs were calculated based on the base APY being offered, achievable or both.
All factors were then scored and combined, with the lowest score being the best.
All products and offerings had to be available as of Nov. 8, 2024, to be considered.
Rates are subject to change; unless otherwise noted, rates are updated periodically.
All other information on accounts is accurate as of [date], 2024.
Rates are subject to change; unless otherwise noted, rates are updated periodically.
All other information on accounts is accurate as of [date].
