At United Bank & Trust Company, we make the extra effort our customers appreciate. In addition to providing practical account options and convenient loans, we offer a wide variety of other services to help you manage your money better and more conveniently. You’ll find our personal bankers have a wealth of experience and truly enjoy working personally with you to find the best solution to your financial needs.
ATMsOur Sheffield, Dows, Alden and Hampton locations each have a 24 x 7 ATM on site. Cash-only ATMs are available inside the front vestibules of our Sheffield and Dows offices. Drive-up ATMs are located on site at our Hampton and Alden offices. We even have an ATM at Dugan's Supermarket in Rockwell. Our ATM’s are the next best thing to having your own personal teller 24 hours a day!
MONEYLine Phone BankingWith our simple phone banking service, you can access your account information anytime - morning, noon, or night. Whether you’re balancing your checkbook late at night or transferring money while on vacation, MONEYLine makes banking easy. The simple, step-by-step instructions walk you through your transactions from any touch tone phone. Check your balances and cleared transactions, transfer funds, and much more – 24 hours a day, 7 days a week! All menu options are also available in Spanish.
Night DepositoriesConvenient 24-hour night depositories are available at all five of our locations – Alden, Dougherty, Dows, Hampton and Sheffield. If you can’t make it to the bank during regular business hours, you can be certain that your deposits will be made first thing the following business day.
ATM CardsTurn any ATM into your own personal teller with our ATM card! You can use your ATM card to withdraw cash, check your balance, make a deposit or transfer money. It gives you access to your checking or savings account funds any time of any day.
SHAZAMChek Photo Debit CardsA UBTC photo debit card is the picture of security! Our tamper proof card design has your photo and signature on the front of the card, making it difficult for anyone else to use. It provides you with an economical and convenient way to buy the products and services you need. Plus - you benefit from having a fast, easy form of identification whenever you may need it! Use your photo debit card wherever MasterCard debit cards are accepted to purchase anything you may need… in one easy step. (Non-photo debit cards are available upon request)
Credit CardsWe offer VISA Platinum cards. They're small on rates and big on rewards! No matter where you are in the world, you'll enjoy the benefits reserved exclusively for cardholders. See your banker for more information.
TravelMoney CardsUBTC Travel Cards are the smart, secure way to travel. They combine the advantages of traditional Travelers Cheques with the convenience of a prepaid reloadable card. UBTC Travel Cards are accepted at millions of MasterCard debit merchants and ATMs. Unlike cash, they're replaceable or refundable if lost or stolen. They are accepted as currency around the world. (Not FDIC Insured)Reloadable CardsA UBTC Reloadable Card puts you in control. Enjy convenient features such as direct deposit, online and phone purchasing power, ATM acceptance and so much more! With a UBtC Reloadable Card you only spend what you load on the card. Take advantage of direct deposit and card reloads whenever you need. (Not FDIC Insured)
Youth CardsHello Freedom! A UBTC Youth Card is a great tool for teaching money management. It can be used where MasterCard debit cards are accepted, online, over the phone and at ATMs. Reloading is easy and direct deposit is available. You can even set up text alerts! (Third-party fees may apply. Not FDIC Insured)Gift CardsGive the perfect gift with a UBTC Gift Card! They’re great for birthdays, weddings, graduation, holidays and so much more. Take advantage of our large card order (25+ cards) and select your card design and message – wow! (Not FDIC Insured)
Do you ever worry because you …
If these situations sound familiar you should consider our overdraft protection tools!
Automatic Transfers from SavingsIf you sign up for United Bank & Trust Company's Automatic Transfer program, we will automatically transfer funds from your savings account to your checking account when your checking account becomes overdrawn. This automatic transfer can protect you from the cost and embarrassment of an overdraft or a bounced check.*
Ready ReserveUnited Bank & Trust Company's Ready Reserve Overdraft Line of Credit is another great financial tool to have in your banking toolbox. It is a simple, cost-effective way to avoid unexpected overdrafts and resulting fees.
How It Works:
IMPORTANT: Ready Reserve is subject to credit approval.* Note: Federal regulations limit the number of automatic withdrawals from a savings account to six per month.
Are your valuables protected from fire and theft? A safe deposit box at United Bank & Trust Company can provide convenient safekeeping for your important papers and belongings. Don't take chances by keeping your valuables “safe” at home … find peace of mind by protecting them in a safe deposit box at United Bank & Trust Company. Please note that box sizes are approximate and availability will vary by location.
UBTC box sizes include:
Use our safe deposit boxes to protect:
United Bank & Trust Company's safe deposit boxes are available during business hours for a small annual rental fee. Contact one of our offices for pricing information and availability. Start safeguarding your valuables today!
“Trust Company” is part of our name for good reason. We can be a valuable and trusted component in managing our customers’ financial matters when they are gone or unable to do so. The staff and trust officers of United Bank & Trust Company can work with you to develop and carry out a plan that assure the financial well being of you and your loved ones. There just is no good reason not to do estate planning!
United Bank & Trust Company and Your Estate
A well thought out estate plan offers several important benefits:
United Bank & Trust Company and your attorney are important members of your estate planning team. Your attorney takes the lead by working with you to develop the right kind of estate plan for accomplishing your goals. Once a plan is in place and the time is appropriate, we are there to help carry it out.
Examples of our estate and trust services include:
United Bank & Trust Company as ConservatorAs a court approved conservator, the bank manages the assets for a person who is unable to handle their own financial affairs. In this role, the bank also sees that all bills are paid on time and that all tax returns are promptly and properly filed. The bank also prepares and files annual reports to the court.
Marketing and Website provided by SPC
At times, we may provide links to sites outside the control of our bank. We do not make any representations concerning the linked sites' contents or availability.You should review each site's privacy and information security policies carefully before you enter confidential information. Deposit and loan products offered by United Bank & Trust, Member FDIC, Equal Housing Lender. The standard insurance amount is $250,000 per depositor.