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You are here: Home / Bank Promotions / UBT Union Bank & Trust Promotions: $50, $500 Checking Bonuses (KS, MO, NE, IA) – Ends 9/30/25

UBT Union Bank & Trust Promotions: $50, $500 Checking Bonuses (KS, MO, NE, IA) – Ends 9/30/25

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Find the latest UBT Union Bank & Trust promotions, bonuses, and offers here.

Update 5/13/25: There’s currently a $500 checking bonus valid through 9/30/25 but keep in mind that this offer is only available in Nebraska and Kansas.. There is also an existing $5o student checking bonus.

About UBT Union Bank & Trust Promotions

Union Bank and Trust are headquartered in Lincoln, Nebraska. It was established in 1917 and has grown to 816 employees. They have 37 branch locations throughout the state.

UBT Union Bank & Trust $500 Checking Bonus 

Union Bank & Trust Checking Bonus

  • What you’ll get: $500 bonus
  • Account Type: Checking
  • Availability: KS, MO, NE, IA
  • Direct Deposit Requirement: Yes (see what works)
  • Credit Inquiry: Soft Pull
  • ChexSystems: Unknown
  • Opening Deposit: None listed
  • Credit Card Funding: None
  • Monthly Fee: None
  • Household Limit: None listed
  • Closing Account Fee: None listed, check with CSR for more information
$500 Bonus at UBT Union Bank & Trust

(Expires 09/30/2025)

For more advanced features in a checking account, compare this offer to:
BMO Smart Money Checking ($400 cash bonus*)KeyBank Checking ($300 bonus)
Chase Private Client ($3,000 Bonus)

How To Earn Bonus

HOW TO EARN BONUSFINE PRINT
  • Step 1: Open a new checking account online or by visiting your nearest branch.
  • Step 2: Meet some simple requirements:
    • Have $2,500 in direct deposits posted to your account within 90 days
    • Enroll in paperless statements within 90 days
  • Step 3: Wait for $500 to hit your account!
  • Keep in mind that this offer is only available in Nebraska and Kansas.
  • To qualify for the checking promotion, you cannot be a primary accountholder on an existing UBT personal checking account.
  • Offer not valid if existing checking account closed in the last 120 days.
  • Receive $500 when you open a Simply Free, Simply Free Plus, Simply Free Platinum, or Premium Interest Advantage checking account and complete the following within 90 calendar days of account opening: (1) have $2,500 in electronic direct deposits posted; and (2) enroll in paperless statements via online or mobile banking.
  • Bonus is credited to your active account within 100 days of account opening if you meet requirements.
  • $1,000 opening deposit required on Simply Free Plus checking accounts.
  • Various Annual Percentage Yields (APY) offered for interest-earning checking accounts based on the account and balance maintained.
  • For example, Simply Free Platinum requires $100 minimum daily balance to earn 0.14% APY as of 5/8/2025.
  • Fees may reduce earnings; rates subject to change.
  • Promotion offers limited to one new checking account per person and cannot be combined with other offers.
  • Simply Free Platinum accounts designed for people ages 50 and over.
  • Premium Interest Advantage is limited to residents of Douglas, Sarpy, and Washington counties in Nebraska.
  • This offer is only available in Nebraska and Kansas.
  • Available 5/01/2025 to 9/30/2025.

UBT Union Bank & Trust $50 Student Checking Bonus

For UNL students, you can earn $50 Checking Bonus from UBT Union Bank & Trust when you open a new Checking account and complete the requirements.

  • Account Type: Simply Free UNL
  • Availability: UNL Students
  • Direct Deposit Requirement: No
  • Credit Inquiry: Soft Pull
  • ChexSystems: Unknown
  • Opening Deposit: None listed
  • Credit Card Funding: None
  • Monthly Fee: None
  • Household Limit: None listed
  • Closing Account Fee: None listed
$50 Bonus at UBT Union Bank & Trust

(Limited time offer)

You can compare this to several great entry level checking account offers:
BMO Smart Money Checking ($400 cash bonus*) BMO Smart Advantage Checking ($400 cash bonus*)
Bank of America ($300 bonus offer)Chase Total Checking® ($300 bonus)
KeyBank Key Smart Checking ($300 bonus)SoFi Checking and Savings ($325 bonus)

How To Earn Bonus

HOW TO EARN BONUSFINE PRINT
  • Open a qualifying checking account with the required minimum deposit
  • Enroll in e-Statements via online or mobile banking
  • Have 10 debit card purchases posted (excludes ATM transactions) within 60 days of account opening.
  • For currently enrolled UNL students.
  • $50 opening deposit.
  • (1) $50 deposited to your active account within 70 days of account opening when you meet these two requirements: enroll in e-Statements via online or mobile banking and have 10 debit card purchases posted (excludes ATM transactions) within 60 days of account opening.
  • New checking account customers only.
  • Cannot be combined with other offers.
  • (2) ATM usage fee at non-UBT ATMs waived (excludes surcharges ATM owners may assess).
  • (3) Waives one NSF Paid Item Fee/NSF Returned Item Fee per calendar year.
  • (4) $10 Credit: New checking account customers only.
  • Requires enrollment in Union Bank’s RoundUp Program to an eligible Union Bank savings account within 60 days of checking account opening.
  • $10 will be credited to active checking account within 70 days of account opening if you meet the requirements. Account not affiliated with or endorsed by any college or university.

UBT Union Bank & Trust $150 Checking Bonus (Expired)

Union Bank & Trust Checking Bonus

  • What you’ll get: $150 bonus
  • Account Type: Checking
  • Availability: KS, MO, NE, IA (Bank Locator)
  • Direct Deposit Requirement: Yes (see what works)
  • Credit Inquiry: Soft Pull
  • ChexSystems: Unknown
  • Credit Card Funding: None
  • Monthly Fee: None
  • Early Account Termination Fee: None listed
  • Household Limit: None listed
$50 Bonus at UBT Union Bank & Trust

(Expires 11/22/2024)

For more advanced features in a checking account, compare this offer to:
BMO Smart Money Checking ($400 cash bonus*)KeyBank Checking ($300 bonus)
Chase Private Client ($3,000 Bonus)

How To Earn Bonus

HOW TO EARN BONUSFINE PRINT
  • Receive $100 when you open a Simply Free Checking account and complete the following within 90 calendar days of account opening:
    • (1) have $500 in electronic direct deposits posted; and (2) enroll in paperless statements via online or mobile banking.
  • Receive $150 when you open an interest-earning checking account (Simply Free Plus, Simply Free Platinum, or Premium Interest Advantage) and complete the following within 90 days of account opening:
    • (1) have $2,500 in electronic direct deposits posted; and
    • (2) enroll in paperless statements via online or mobile banking.
  • Bonus is credited to your active account within 100 days of account opening if you meet requirements.
  • To qualify for the checking promotion, you cannot be a primary accountholder on an existing UBT personal checking account.
  • Offer not valid if existing checking account closed within the last 120 days.
  • Receive $100 when you open a Simply Free Checking account and complete the following within 90 calendar days of account opening: (1) have $500 in electronic direct deposits posted; and (2) enroll in paperless statements via online or mobile banking. Receive $150 when you open an interest-earning checking account (Simply Free Plus, Simply Free Platinum, or Premium Interest Advantage) and complete the following within 90 days of account opening: (1) have $2,500 in electronic direct deposits posted; and (2) enroll in paperless statements via online or mobile banking.
  • Bonus is credited to your active account within 100 days of account opening if you meet requirements.
  • $1,000 opening deposit required on Simply Free Plus checking accounts.
  • Various Annual Percentage Yields (APY) offered for interest-earning checking accounts based on the account and balance maintained.
  • For example, Simply Free Platinum requires $100 minimum daily balance to earn .25% APY as of 07/1/2024.
  • Fees may reduce earnings; rates subject to change.
  • Promotion offers limited to one new checking and one new savings account per person and cannot be combined with other offers.
  • Simply Free Platinum accounts designed for people ages 50 and over.
  • Premium Interest Advantage is limited to residents of Douglas, Sarpy, and Washington counties in Nebraska.
  • Available 07/01/2024 to 11/22/2024.
  • Member FDIC.

How To Avoid Monthly Fees

  • Simply Free Checking: No monthly maintenance or activity fees
  • Simply Free Plus Checking: No monthly maintenance or activity fees
  • Simply Free Student Checking: No monthly maintenance or activity fees
  • Simply Free Platinum Checking: No monthly maintenance or activity fees
KeyBank Checking Banner
Chase Business Checking Bonus Banner Ad

Bottom Line

UBT Union Bank & Trust is a great bank option for new sign-up promotions when available. This bonus is great because they have a soft pull, so your credit score is not affected. The difficult part for some people is to complete the direct deposit requirement.

If you aren’t a resident in the area, take a look at our nationwide list of the best bank bonuses.

UBT Union Bank can offer you fantastic resources to better your banking experience, however, they do not provide very competitive Savings and CD rates. Take advantage of our full list of Bank Rates and CD Rates to get the best deal for you!

*Check back at this page for updated UBT Union Bank & Trust promotions, bonuses and offers.

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Filed under: Bank Promotions

Disclaimer: These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

About Danny Nguyen

Danny Nguyen has a keen sense in how to save and make money while being as frugal as possible. With this, he is committed to passing on this knowledge and skills to our readers. Outside of work, Danny enjoys helping and giving back to the community, reading, working out, and spending time with what matters most - family!

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