Business Checking
Your checking account is the core of your business’s finances. Choose from several accounts to find the right fit for you, plus plenty of additional options to keep things running smoothly.
Business Financing
If you’re ready to take your business to the next level, or get it off the ground in the first place, we offer lending solutions to fit — plus responsive service, expertise, and local decision makers.
Business Lending
Make sure you have what you need to apply
Whether you’re just starting your business or contemplating growth and expansion, we know you have plans — big plans. If it’s time to secure financing to help your business grow and thrive, there are things you’ll need to know and prepare ahead of time — and our handy checklist can help.
Treasury Management Services
Desktop Teller
Reduce costs, gain efficiencies, and improve cash flow by depositing your checks straight from your business.
Electronic payments
A powerful way to collect payments, pay employees and vendors, and move your money between institutions.
Business BillPay
Simplify your accounts payable by paying everything online from the same place.
Fraud management
Stop problems before they start with Positive Pay, which helps you prevent daily check fraud and errors with ease.
Credit and purchasing cards
Easily manage your business spending with our Visa® credit and purchasing cards.
Merchant card services
Accepting payments from your customers is easy with merchant card services from UBT.
Sweep services
Improve cash management by automatically sweeping funds to take advantage of higher interest rates.
Lockbox services
We’ll collect and process your customer payments for you, quickly and efficiently.
Small Business Pop-Up
A space for small business entrepreneurship
Periodically, we’ll be featuring a different small business banking customer front and center in our business pop-up space. It might be a brand you’re already familiar with, or something completely new to you! Check back regularly to see which new local business you can help support — or apply below to occupy the space if you’re a UBT business banking customer with a product to sell.
Small Business Conference Room
A meeting space for small businesses
When you need a change of scenery or a little more room for an upcoming meeting, we have a space that’s perfect for you! At Union Bank Place in downtown Lincoln, our Small Business Center is available for businesses and entrepreneurs to reserve. It can comfortably accommodate 18 people, has easy access to restrooms, and you can get delicious coffee from Stories Coffee Co. on site — not to mention their convenient catering options. And best of all, it’s free!
Free Download
Most small businesses will need a personal financial statement to secure funding. This worksheet will help get you started.
Resources for Entrepeneurs
Do more with a little help from our friends
Two things your business will need to lock down: a business plan and access to legal services. We work closely with the University of Nebraska and Score to ensure budding businesses have what they need to be successful.
Business plan help through Nebraska Business Development Center
Frequently Asked Questions
Zelle® QR code provides peace of mind knowing you can send and receive money, without typing an email address or U.S. mobile number.
To locate your Zelle® QR code, log in to UBT Business, then select Zelle®. Next, go to your "Zelle® settings" and click "Zelle® QR code" and your QR code will be displayed under "My Code". From here you can view your QR code and use the print or share icons to text, email or print your Zelle® QR code. To receive money, share your Zelle® QR code.
To send money, you’ll need to access UBT Business via the mobile app. Then, click "Send money with Zelle®", click "Send," then click on the QR code icon displayed at the top of the "Select Recipient" screen. Once you allow access to your camera, simply point your camera at the recipient's Zelle® QR code, enter the amount, hit "Send," and the money is on the way! When sending money to someone new, it's always important to confirm the recipient is correct by reviewing the displayed name before sending money.
There are a few ways you can encourage your customers to pay you with Zelle®.
- Tell customers verbally that you accept payments with Zelle®, and that they can easily send you money right from their banking app.
- Include it on an invoice. We recommend adding “I accept payments with Zelle®” or “Pay me with Zelle®”.
- Use Zelle® to request money from your customers (which will send them a notification telling them you’ve requested payment with Zelle®).*
Please note, you’ll only be able to receive payments from consumers using Zelle® through their financial institution’s banking app.
The fees associated with a Business Analysis Checking account include a monthly maintenance fee as well as checking activity charges for debits and credits.
Basic Fees Include:
Maintenance Fee - $15 monthly fee.
Balance MGT fee - Calculated based on average positive account balance that is maintained.
Electronic Debits - $0.15 per item.
Electronic Credits - $0.20 per item.
Deposited Items - $0.10 per item.
Regular credits - $0.27 per item.
Return check items - $7.00 per item.
Paid check off of account - $0.17 per item.
Other fees may apply depending on additional products & services that may be utilized.
Contact a Treasury Management Services representative for complete details.
Business BillPay allows businesses the convenience of paying their bills electronically for a small monthly fee.
- Secure and offers a high level of control
- Flexibility to pay virtually anyone, anytime, anywhere
- Simply log in to Business Banking Online to access Business BillPay
- Built-In Reporting to generate reports highlighting your Business BillPay activity. Your transactions will be itemized on your monthly checking account statement
