Union Bank & Trust Company (NE)

Commercial bank · Lincoln, United States

Union Bank and Trust Company is a family-owned Nebraska bank founded in 1917, headquartered in Lincoln, with 37 offices and USD 9.24 billion of assets at 30 June 2026. For companies it runs business checking, business loans and lines of credit, treasury management, business credit cards and employee benefit plans, and it says it serves both small businesses and multimillion-dollar corporations from the same branch network. It is a domestic dollar bank: nothing on its business pages describes foreign currency accounts, international collection or trade finance. Business account opening starts with an online request form rather than a full online application.

Legal name: Union Bank and Trust Company
Regulated by: FDIC, Nebraska Department of Banking and Finance
Licence confirmed: yes, on a regulator's own list
Established: 1917
Website: www.ubt.com

Scores, 0 to 10

7.0Financial strength & stability

USD 999 million of equity on USD 9.24 billion of assets (10.8 percent) with ROE of 15.67 percent at 30 June 2026 and FDIC insurance, though the bank is unrated. · source

6.5Customer satisfaction

Trustpilot carries a single review on an unclaimed profile, too thin to quote. The usable sample is the App Store, where Union Bank & Trust Mobile is rated 4.9 out of 5 from 20,222 ratings. · source

5.5United States

Nebraska state charter with 37 offices and USD 9.24 billion of assets at 30 June 2026, a full business and treasury line, but no online business account application. · source

5.0Business cards (Visa, Mastercard)

Business credit cards with rewards and business debit cards are offered, but no virtual cards, no per-card spend controls and no published foreign transaction fee. · source

5.0On-ramp: buy crypto with fiat

Evidence is thin: the 2024 treasury management services agreement restricts unlawful internet gambling and foreign billers in bill pay but has no crypto clause, and no reports of blocked exchange transfers at UBT were found, checked September 2026. · source

5.0Off-ramp: crypto to fiat in a business account

Evidence is thin: the 2024 treasury management agreement publishes no source-of-funds rule for crypto proceeds and no reports of returned exchange wires at UBT were found, checked September 2026. · source

4.5Best interest on business balances

Business savings exists but no business deposit rate is published on the business banking pages. · source

4.0Cross-border payments, FX and multi-currency accounts

Business pages describe dollar accounts, lending and treasury only; no foreign currency account and no published FX margin. A named treasury management service with cash-flow tools and multi-user online banking, but single currency and no cash pooling across countries. · source

4.0Lowest fees

Business checking is sold through a chooser page and a banker; no monthly fee or transaction price list is published on the business pages. · source

4.0Fast digital onboarding

Applicants fill in an online business banking request form and are then contacted; there is no completed online account opening. · source

3.5Online businesses: e-commerce and SaaS

Business banking covers checking, lending and cards; no acquiring programme or marketplace payout product is described. Treasury tools and business online banking exist, but there is no API, no USD receiving account for a foreign company and no recurring-revenue lending. · source

3.5Startups & VC-backed companies

Small business banking is offered, but there is no venture debt, no pre-revenue path and no startup programme. · source

3.0Crypto-friendly bank

The business pages publish no policy on cryptocurrency businesses and list no digital-asset service. · source

3.0High-risk verticals (iGaming, cannabis, adult, forex)

The bank publishes no prohibited-activities list and no policy on gambling, cannabis, adult or forex clients. · source

2.5Fintech companies that need a partner bank

No safeguarding accounts, BIN sponsorship or agency banking offer for payment firms appears on the site. · source

2.5Trade, manufacturing & import-export

No letters of credit, guarantees or supply-chain finance on the business pages. · source

2.5Foreign-owned & non-resident companies

Nothing on the site offers remote onboarding for owners living abroad; the process runs through Nebraska bankers. · source

1.0Crypto wallet and custody for a business

Union Bank & Trust's business section lists checking, lending, treasury management, card acceptance and ACH, with no crypto holding for any client, checked September 2026. · source

1.0Accept crypto payments

Merchant services at UBT are credit and debit card acceptance and ACH collection, with no crypto or stablecoin acceptance, checked September 2026. · source

1.0Bitcoin

No bitcoin buying, holding or transfer is offered to UBT business clients, checked on its business pages September 2026. · source

1.0Ethereum

No ether product is offered to UBT business clients, checked on its business pages September 2026. · source

1.0Stablecoins (USDC, USDT and others)

No stablecoin accounts, payouts or settlement role at UBT was found on its business pages or in press, checked September 2026. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.