# Union Bank & Trust Mobile

> Secure mobile banking app for account management, transactions, and bill payments. (iPhone/iPad app by Union Bank and Trust.)

- Source: https://appshunter.io/ios/app/union-bank-and-trust-mobile/id509180082 (this page in markdown: same URL + `.md`)
- Developer: [Union Bank and Trust](https://appshunter.io/developer/509180085)
- Category: Finance
- Price: Free
- Rating: 4.90/5 from 20,119 App Store ratings · 121 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.0 · 151 MB
- Languages: American English
- Released: 2012-04-02
- Data updated: 2026-08-28
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/union-bank-and-trust-mobile/id509180082/reviews.md

## What is Union Bank & Trust Mobile?

Your life moves fast, so your banking app should, too. The newly redesigned UBTgo app gives you fast, easy, secure access to the account info and banking transactions you need most, no matter the hour. And with UBT's unparalleled personal service right at your fingertips, managing your money has never been easier.

• Enjoy a clean, intuitive, and easy-to-navigate user experience designed with your needs in mind
• Manage all your accounts in a single, beautiful application
• Get alerts for account balances, transactions, and more
• Enroll in BillPay from the app, see your eBills, and schedule payments — both one-time and recurring
• Deposit checks from anywhere
• Split your screen and use another app at the same time with multi-tasking on your tablet
• Temporarily freeze/unfreeze your debit cards when you need
• Access all your personal and credit card accounts, including lines of credit and mortgages
• Find nearby ATMs and branches right from the login screen
• Call from the app to speak with an advisor
• Log in fast with Touch ID or Face ID (depending on your device) for extra security and ease
• Check recent transactions
• Schedule and edit one-time or recurring transfers
• View your digital statements

For additional information, contact our Customer Support Team at 402.323.1454 or toll-free at 833.323.1454. Union Bank does not charge a fee for utilizing mobile banking; however, your regular data and text messaging rates will apply.

## Key features

- Account management
- BillPay enrollment
- Mobile check deposit
- Card freezing
- ATM/branch locator
- Biometric login

## What do users think of Union Bank & Trust Mobile?

Overall sentiment: neutral

**Pros**

- 👍 Easy to use
- 🚀 Simplified life management
- 🔒 Secure account access
- 💡 Helpful for users with memory issues

**Cons**

- 🐛 Inconsistent performance and reliability
- 🚨 Inaccurate transaction reporting
- 🚨 Inconvenient feature removals
- 🚨 Slow and unresponsive app

**Commonly reported bugs**

- App frequently crashes or fails to load
- Restricted usage on certain devices
- Delayed account transaction updates

**Most requested features**

- Ability to sort and search bill pay payees
- App notifications
- Two-factor authentication

## Recent user reviews (10 of 121)

All indexed reviews: https://appshunter.io/ios/app/union-bank-and-trust-mobile/id509180082/reviews.md

### 3/5 — New version

*2026-07-30*

There’s a huge lag between purchases and purchase dates and when my money is available and when it’s not. It lets me think I have money when I don’t, just cause purchases haven’t gone through. So I think the live transfer display needs to be more accurate and accounting needs to be faster.

**Developer response:** Thank you for the feedback.  There are now two balances. Current Balance is the most up to date balance and take into account all pending activity. Available is what is actually available to you for use and take into account all pending activity except paper check deposits. You may be seeing a negative Available balance if you deposited a check on the same day. Paper check funds are available to you on the next business day for use. This update will enable us to allow for real-time payments in the future. If you want more explanantion of the new features, you can visit www.ubt.com/go/mobile-app. We will pass along your feedback about saving your login info, but we should also mention that Touch ID and Face ID are also newly available with this update.

### 5/5 — Great app

*2026-07-13, version 20.23.0*

The app is great

### 5/5 — Bank app

*2026-05-27, version 20.22.0*

This is an amazing app it allows me to look at my funds on my phone which is very useful

### 4/5 — Great for UNL

*2026-05-17*

This app is great for UNL students, especially with the sign-up bonus! The savings accounts are lacking quite a bit after graduation, but I really like their current 12-month promotional “Money Market Account” that has an interest rate of 3.45%, which is the highest for non-CD accounts.

I’ll likely be looking elsewhere for a long-term high-yield savings account, but otherwise this bank is solid for college.

### 2/5 — Slow

*2026-04-29, version 20.22.0*

Extremely slow when loading transactions or account balances.

### 2/5 — App Issues

*2026-04-15*

The app is alright for checking balances and transferring money, but other functions there seems to be a major hiccup. Whenever I try to use the Zelle function, the page rarely populates. This happens on both mobile and desktop. I moved around to different MiFis and tried a hardline connection to try and eliminate network issues, but I can rarely get the Zelle page to populate; it just displays a blank page. Also I keep reading on the QR function to find other Zelle users and I’m not seeing anywhere to utilize those codes. Can someone point me in the right direction?

### 5/5 — Easy

*2026-03-22*

Works great for us, easy to make changes and review accounts !!
Wish all apps were this user friendly .

### 1/5 — The app is always down

*2026-03-09, version 20.21.2*

The app has issues almost every week and becomes inaccessible. Really frustrating.

### 5/5 — Bad

*2026-02-25, version 20.21.1*

App down for six hours, no customer support

### 1/5 — Ubt moblile

*2026-01-12, version 20.21.1*

This is the worst banking institution ever. I have been locked out of my account for three weeks. I have no idea how much money has gone negative, and I don’t know what to do.

## Frequently asked questions about Union Bank & Trust Mobile

### What can I do with the Union Bank & Trust Mobile app?

The app allows you to manage all your accounts, view transactions, deposit checks, enroll in BillPay, schedule payments, temporarily freeze/unfreeze debit cards, and find nearby ATMs and branches. You can also access personal and credit card accounts, including lines of credit and mortgages.

### Is the Union Bank & Trust Mobile app free to use?

Yes, Union Bank & Trust does not charge a fee for utilizing the mobile banking app. However, your regular data and text messaging rates will apply based on your mobile carrier plan.

### How do I log in securely to the app?

The app offers fast and secure login options using Touch ID or Face ID, depending on your device's capabilities. This provides an extra layer of security and convenience for accessing your accounts.

### Can I manage my bills through the app?

Yes, you can enroll in BillPay directly from the app, view your eBills, and schedule both one-time and recurring payments. This makes managing your bill payments convenient and efficient.

### What devices are compatible with the app?

The app is designed for mobile devices and offers features like multi-tasking on tablets, allowing you to split your screen and use another app simultaneously. Specific operating system requirements are not detailed but it is designed for modern smartphones and tablets.

## Version history (last 5 releases)

### 20.23.2 — 2026-08-25

This release includes performance improvements and bug fixes.

### 20.23.1 — 2026-07-21

This release includes performance improvements and bug fixes.

### 20.23.0 — 2026-06-30

Managing your loan payments just got easier. With our latest update, you can schedule payments from other bank accounts, pay multiple loans in a single transaction, and easily view your payment history—all in one place. Update today to take advantage of these new features.

### 20.22.1 — 2026-06-25

This release includes performance improvements and bug fixes.

### 20.22.0 — 2026-04-07

This release includes performance improvements and bug fixes.

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## More apps by Union Bank and Trust

- [Union Bank & Trust Business](https://appshunter.io/ios/app/union-bank-and-trust-business/id948919699)
- [Omnify Benefits](https://appshunter.io/ios/app/omnify-benefits/id1071556922)
- [UBT Retirement](https://appshunter.io/ios/app/ubt-retirement/id1528788501)
- [Bright Directions 529](https://appshunter.io/ios/app/bright-directions-529/id6746129703)
- [NEST 529 Direct](https://appshunter.io/ios/app/nest-529-direct/id6750487801)

All apps by Union Bank and Trust: https://appshunter.io/developer/509180085

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-28.*