Now Open: Fort Collins

Feel good banking means a breath of fresh air.

Though our name may be new to the Northern Colorado area, our people have lived, worked, and supported the community here for years.

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  • Business Checking Offer

    Business Checking Offer

    The easiest $1,000* your business will ever make

    Get $1,000 bonus cash* when you open a new business checking account and meet some simple requirements in the first 90 days:

    • Make an opening deposit of at least $10,000 and maintain that balance
    • Have 10 ACH credits posted to the account
    • Enroll in paperless statements
    Contact Ryan to get Started
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  • Treasury Management Offer

    Treasury Management Offer

    Get paid when you sign up for the services your business needs

    Get $250** for each business banking service you enroll in — up to $1,000!** Choose from:

    • Desktop Teller: deposit checks from your office
    • ACH payments: securely send and receive payments
    • Lockbox services: let us collect and process your payments
    • Positive Pay: stop fraud before it starts
    • Online wire transfers: larger transfers made easy
    Contact Ryan to get Started
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  • Premier Checking Offer

    Premier Checking Offer

    $1,000† and a bank you can feel good about

    Earn a $1,000 cash bonus† when you open a Premier Checking account with $50,000 in new money and meet requirements.

    Open in Branch
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  • Premier Money Market Offer

    Premier Money Market Offer

    A rate so good you’ll shout it from the mountaintops

    Earn up to 4.20% APY‡ for 12 months on balances of $25,000 and up (1.55% APY on balances under $25,000) when you open an account with $25,000 in new money.

     

    Open in Branch
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An aerial shot of Fort Collins, CO.

Get to Know UBT

Family-owned and focused on service and community

Our family-owned bank provides the products and services you need, but with personalized customer care that the big-box banks can’t begin to compete with. Now in Nebraska, Kansas, and Colorado, we care about our customers, our community, and each other. You can count on our people to show up, roll up their sleeves, and pitch in to better the world around them. That’s feel good banking. 

100+ years of banking excellence — right at your fingertips

Union Bank & Trust combines over a century of trusted financial expertise with seamless digital convenience. We’re committed to helping you strengthen your financial position with confidence, offering a wide range of personal and business banking and lending solutions, as well as secure, easy-to-use tools that are accessible wherever you are.

With our highly rated UBTgo app¹ (4.9 stars) and real-person customer support, managing your money has never been easier. Union Bank & Trust, a privately owned bank in Lincoln, Nebraska, holds $8.7 billion in bank assets and $40 billion in trust assets as of December 31, 2024.

¹Message and data rates may apply.

Products and services offered to Northern Colorado customers

Private Banking

Private banking provides you a single point of contact that will take care of your financial planning, investments, home loans, business banking, or whatever else you might need. Spend less time banking and more time doing . . . well, anything else. 

Commercial Banking

From loans, commercial real estate, equipment financing, online banking, and every unexpected need in between, we have a team for that. 

Treasury Management

Get everything you and your business need to manage your accounts, gain efficiencies, improve cash flow, and sharpen day-to-day operations.
Headshot of Ryan Sahd

Regional President — Colorado

Ryan Sahd

Ryan Sahd brings 24 years of experience to the position, where he oversees all Colorado operations and helps establish and grow the bank’s lending, treasury, and wealth management relationships in its new market. 

A graduate of Colorado State University with a bachelor’s degree in business administration, Sahd serves as a board member for STEP Denver and Northeast Denver Housing Authority.

Say Hello
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Private Banker — AVP

Nathan Kimple

With 10 years of banking experience, Nathan Kimple brings a practical, well-rounded approach to supporting clients through every stage of their financial journey. He believes in building strong, lasting relationships by taking the time to listen and understand what matters most to each person and business he works with.

Nathan is committed to making a positive impact in Northern Colorado communities and enjoys collaborating with others who value trust, service, and community growth.

Say Hello
Jack McCool headshot blue background 2025 square

Private Banker — AVP

Jack McCool

For Jack, it’s all about community connectedness and helping others — whether that’s helping you reach your financial goals or helping at-risk youth through his involvement in NoCo Unify. 


 
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Investment products: Not FDIC Insured — No Bank Guarantee — May Lose Value.

 

Loan products subject to credit approval.

*New business checking customers only. To qualify for the promotion, you must open your business checking account at the Union Bank and Trust branch located at 123 North College Ave in Fort Collins, Colorado. If multiple business accounts are opened with the same authorized signer(s), only one account will be eligible to receive the bonus. Offer not valid if you are an owner on an existing business checking account or a business checking account closed within the last 12 months. Receive $1,000 when you open a Simply Free Business, Basic Business, Basic Business with Interest, Business Builder, or Business Analysis checking account and complete the following within 90 calendar days of account opening: (1) deposit and maintain a $10,000 balance; (2) receive 10 or more ACH credits into the account; and (3) 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. Fees may reduce earnings. Promotion offers limited to one new business checking account per person. Available 9/15/2025 to 12/31/2025. 
 
**Receive up to $1,000 for enrolling your new or existing business checking account in new qualifying treasury management services. You will receive $250 for each new enrolled service for a maximum possible bonus of $1,000. Qualifying treasury management services include: Desktop Teller (Remote Deposit Capture), ACH, Lockbox, Positive Pay, and Online Wires. Eligible accounts include: Simply Free Business, Basic Business, Basic Business with Interest, Business Builder, and Business Analysis. Offer valid 9/15/2025 to 12/31/2025. 
 
†Offer not valid for primary accountholder on either an existing Premier Checking account or a Premier Checking account closed within the last 12 months. Receive $1,000 when you open a Premier Checking account and meet the requirements. To receive the $1,000 bonus, you must: (1) make a minimum opening deposit of $50,000 in new money; (2) receive one direct deposit within 90 calendar days of account opening; (3) maintain a balance of $50,000 for 90 calendar days from account opening; and (4) enroll in paperless statements via online or mobile banking within 90 calendar days from account opening. $1,000 will be credited to your active account within 100 days of account opening if you meet the requirements. Annual Percentage Yield (APY) accurate as of 09/16/2025. You must meet activity requirements each statement cycle to earn the Qualifying APY of 3.85% on the portion of your balance that is $100,000 and under; balances over $100,000 earn 1.66%-3.86% APY, depending on the total balance of the account. Required activity requirements per statement cycle include: at least 6 Visa debit card purchases posted (excludes ATM transactions), one direct deposit posted, receive paperless statements (requires enrollment via online or mobile banking and ongoing valid email address), and access online or mobile banking at least once. If the 4 activity requirements mentioned above are not met, you will earn the Non-qualifying APY of 1.41%. Fees may reduce earnings; rates subject to change. Premier Checking limited to Private Banking clients. Promotion available 7/01/2025 to 10/31/2025. Limit one per person and cannot be combined with any other offers.
 
‡Offer not valid for primary accountholder on either an existing Premier Money Market Account (MMA) or a Premier MMA closed within the last 12 months. Open a new Premier MMA and receive 4.20% Annual Percentage Yield (APY) on balances of $25,000 or more for 12 months from account opening; balances under $25,000 will earn an APY of 1.55%. After the first 12 months, the standard Premier MMA variable interest rate and APY tiers will apply, depending on the daily balance of the account. Rates subject to change. Fees may reduce earnings. $25,000 opening deposit required in new money. Premier MMA limited to Union Bank & Trust Private Banking clients. Promotion available 7/1/2025 to 10/31/2025. Cannot be combined with any other offers.