CONVENIENCE SERVICES
It is our pleasure to provide our clients with the services necessary to seamlessly run their business. From payment processing to credit card applications, Union Bank and Trust supports you and your industry.
PERSONAL BANKING
Our dedicated group of specialists work tirelessly to create solutions customized for your financial needs. We are owned in perpetuity with a stable ownership model so were with you for the long haul. We’re here to serve you, your business and your clients—now, and 40 years from now—while honoring a tradition that upholds our founding values.
CLICK PERSONAL OR COMMERCIAL BELOW TO LEARN MORE
Bill Pay Services
Handle online transactions from your office, whether that’s at home, in an office building, or out in the field.
Managing Your Holdings
Our Treasury Management Experts Can Work Towards Securing Your Future and Maximizing Your Gains
Paycheck Protection Program
We have all the resources you need to help your business thrive in uncertain times.
Protect Yourself
We Provide Numerous Services To Protect Your Assets, But There’s More That You Can Do!
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Free Consultation
WHAT IS HAPPENING IN
COMMERCIAL BANKING?
PERSONAL BANKING
provides custom solutions and products—including loans, lines of credit and individual retirement accounts — for you and your growing family.
SERVICES
CHECKING
Union Bank & Trust likes to keep things simple with our personal accounts so you can focus on the things that matter most in your life. Choose from one of our four convenience options.
BASIC CHECKING
This account is a simple solution for no fees when you maintain a small minimum balance.
- $100 minimum opening account
- $200 minimum daily balance to avoid service charge.
- $6 per month and $0.15 per debit will be charged if the balance falls below $200.
- No interest earned
- Complimentary starter pack of personalized duplicate checks
- All the conveniences listed below
CLUB ADVANTAGE CHECKING
This is a no minimum balance account with a small monthly fee
$100 minimum opening account
$100 minimum opening account
- No minimum monthly balance
- $6 per month
- No interest earned
- Free money orders
- Complimentary starter pack of personalized duplicate checks
- All the conveniences listed below
*Fees may reduce earnings
Conveniences: Take more control of your account. Each account comes with great conveniences that make it easy to manage your money. Click here for details.
- Debit Card or ATM Card
- Free Online Banking
- E-statements
- Free Check Safekeeping
- Direct Deposits
- Automatic Transfers
- Overdraft Protection Line of Credit – subject to credit approval
- Savings transfers to protect against overdrafts
- Credit Cards
- Gift Cards and more
INTEREST PLUS CHECKING
This is an interest earning checking option no minimum balance account with a small monthly fee.
- $1,000 minimum opening account
- $1,000 minimum daily balance to avoid service charge.
- $8 per month and $0.15 per debit will be charged if the balance falls below $1,000.
- Interest is earned at published rate.*
- Complimentary starter pack of personalized duplicate checks
- All the conveniences listed below
55 PLUS CHECKING
Checking account with benefits for customers age 55 or older.
- $100 minimum opening account
- No minimum monthly balance
- No monthly service charge
- No interest earned
- standard style of personalized duplicate checks
- All the conveniences listed below
SAVINGS, CDs & IRAs
Keeping your money liquid is always a great idea while you earn interest. Union Bank & Trust offers three convenient savings accounts that give you easy access to your money, along with CDs that offer a fixed interest rate for a period of time. All deposit accounts are FDIC insured up to $250,000 per account holder.
BASIC SAVINGS
- $100 minimum balance to avoid service charges. $5 per month will be charged if the balance falls below $100.
- A variable rate of interest is paid quarterly.
- Limited transactions may apply.*
- Minor savings accounts are also available.
MONEY MARKET SAVINGS
- $1,000 minimum balance to avoid service charges.
- $10 per month will be charged if the balance falls below $1,000.
- A variable interest rate is paid monthly.
- Limited transactions may apply.*
ELECTRONIC TRANSFER ACCOUNT
- A monthly direct deposit of government benefits is required to be eligible (Social Security, Supplemental Security Income (SSI), Veterans Benefits, Railroad Retirement, Civil Service Salary or Retirement, or Military Retirement).
- No minimum balance.
- $3 monthly service charge.
- Limited transactions may apply.*
*Savings accounts are limited to 6 free withdrawals per month. Additional withdrawals are $1 each. Fees may reduce earnings.
Conveniences:Take more control of your account. Each account comes with great conveniences that make it easy to manage your money. Click here for details.
- ATM Card
- Free Online Banking
- E-statements
- Automatic Transfers
- Direct Deposit
- Credit Cards
- Gift Cards and more
Do you like the idea of getting a guaranteed competitive rate on your savings? Come to Union Bank & Trust for a Certificate of Deposit. We pay competitive rates and you can select the term that fits you best. Balances are FDIC insured up to $250,000.
CERTIFICATES OF DEPOSITS
- Guaranteed rate.
- Variety of terms available; $1,000 minimum deposit.
- Penalty for early withdrawal.
- Saving for retirement doesn’t happen by itself. That is why you should visit our community bank to help you make the best choice for your IRA. Each IRA has distinct tax advantages, see one of our IRA specialists to explain all the details.
INDIVIDUAL RETIREMENT ACCOUNTS
- 12, 24 and 36 month maturities
- Contribution limit for 2018: $5,500 (if you are age 50 and over, you can make an additional $1,000 catch-up contribution)
- Roth IRA: Your IRA contributions are not tax-deductible, and account growth and withdrawals are tax-free.
- Traditional IRA: Your IRA contributions may be tax-deductible, but account growth and withdrawals are taxed when you take the money out.
- Penalty for early withdrawal
- Contact us for current interest rates
LOANS
Thinking about that next big purchase? See our community bank for fast and flexible financing plans that can fit your budget. Here are a list of several personal loan options that we offer. All loans are subject to bank approval.
HOME EQUITY LINES OF CREDIT & LOANS
Take advantage of the equity you have built in your home to use as collateral to get the things you want in life.
- A great line of credit or term loan for homeowners
- No annual fee
- Fixed rate loans are also available
- Fast financing for home additions, improvements, buying new cars, or paying off credit cards
- Flexible repayment plans
- Interest may be tax deductible (see a tax advisor)
MONEY MARKET SAVINGS
- $1,000 minimum balance to avoid service charges.
- $10 per month will be charged if the balance falls below $1,000.
- A variable interest rate is paid monthly.
- Limited transactions may apply.*
VEHICLE, MOTORCYCLE, & BOAT LOANS
Need new wheels or a new boat to enjoy the Minnesota summers? Our friendly lending team will give you the time and attention you deserve.
- Fast service
- Very competitive rates and payments
- Variety of rate discounts available
- Financing for RVs, ATVs, campers, and motorcycles
PERSONAL LOANS & CREDIT LINES
Whatever you need or dream, visit the lending team at Union Bank & Trust. We offer out-of-the-box lending solutions to meet almost any need.
MORTGAGE LOANS
- A complete array of home financing options
- Conventional, FHA, and VA Loans
- Competitive pricing & fast approval
- Fixed and variable rate options
- First-time Home Buyers program
- Low down payment options
Click here to visit our trusted local partner, LeaderOne Financial Corp. for current rates and to apply online!
MORTGAGES
Union Bank & Trust provides
our customers with quality mortgage services.
our customers with quality mortgage services.
- See current mortgage rates
- Apply for a mortgage loan
- See many mortgage options
- Get all your mortgage questions answered
This service is ideal if you would like to refinance, purchase a new home, or make other real estate investments.
ONLINE BANKING
To meet your convenience needs, Union Bank & Trust offers a safe and easy way to bank from anywhere you can access the Internet. No matter what time of day, you can bank when it’s most convenient for you.
You will be able to:
- View your account balance
- View your current transactions.
- Transfer funds between accounts
- View and print previous statements
- Download transactions into your financial software
- View and print cleared checks
E-STATEMENTS
Go green with E-Statements! Its the environmentally-friendly solution by having your statement sent electronically for fast and secure delivery.
- You’re notified by e-mail when your E-Statement is available
- View your E-Statements electronically instead of the paper method at your convenience
- Need a hard copy? Just click “Print”.
Enjoy the convenience! Login to your account and select E-Statements, click on “User Options” and follow the E-Statement enrollment instructions and choose the accounts you would like to have E-statements.
ADDITIONAL SERVICES
DEBIT CARD
Your Union Bank & Trust Debit Card works like a check – only it’s easier, faster and more convenient than writing a check. It helps you get cash at ATMs, and you can use it at any merchant that accepts VISA®. Your Debit Card looks like a credit card but works like your check because the purchase amount is automatically deducted from your checking account.
- Your purchases will be easier, faster and more convenient
- You’ll save money because you’ll have fewer checks to order
- No need to write checks or even carry a bulky checkbook
- Receive a detailed list of every transaction on your monthly checking account statement
Save money on ATM withdrawals by getting cash back at some retailers. Simply select “Debit” when at the retailer swipe machine and ask to get cash back.
To report a lost or stolen Debit Card after hours, weekends, or holidays, please call 800-535-8440.
ATM CARD
Want something a little more basic? The Union Bank & Trust ATM card can help you get cash at ATMs all over the world and is available on both checking and savings accounts. Keep in mind that savings accounts do come with some limits regarding the number of withdrawals. We are connected to the Instant Cash® ATM network which allows you to make withdrawals all over the country.
*SAFE DEPOSIT BOX – IMPORTANT NOTICE
The contents of your safe deposit box are not insured against loss by this financial institution. For your protection you may wish to obtain your own box content insurance from an insurance company of your own choice. You should also keep a complete up-to-date list and description of all property stored in your safe deposit box. This inventory and any other proof of ownership documents should be stored in another location other than your safe deposit box.
OVERDRAFT PROTECTION
Get the smartest service around! Protect yourself from overdrafts with a convenient line of credit that connects to your checking account, or you can arrange to have automatic transfers from savings. You can use your line of credit as a short term loan to meet temporary needs. The line of credit is subject to application approval.
Click here to contact a banker about this valuable service.
CREDIT CARDS*
Need a convenient way to charge your purchases? Union Bank & Trust has partnered with TCM Bank to provide our customers with credit card options. Click Here For More Information.
*Subject to credit approval.
EXTRAS:
- Free Direct Deposit
- Cashiers Checks and Money Orders
- Unlimited check writing
- Free check safekeeping
- Notary Services
- Gift Cards
- Combined monthly statements
- Safe Deposit Boxes*
WHAT IS HAPPENING IN
PERSONAL BANKING?
