APY
2.89%
As of Nov 8, 2026. Rates are variable.
Union Bank and Trust Company · Checking account
Union Bank and Simply Free Plus
−$59 a year for an everyday customer. Monthly fee not stated. $1,000 to open.
- A year, everyday customer
- −$59
- APY
- Receipt · APYChecked Nov 8, 2026
Issuer's page · ubt.com
The source states this figure; we have no exact sentence on file yet.
- Monthly fee
- Not stated
- To open
- Receipt · Minimum to openChecked Nov 8, 2026
Issuer's page · ubt.com
The source states this figure; we have no exact sentence on file yet.
Against the market
How it ranks
#512of 1043 checking accounts, by a year’s value for an everyday customer
All 1043 checking accounts, rankedFeatures
- Debit card
- Interest bearing
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
In the bank’s words
Terms
Rate conditions
- Balance needed for the APY
- $0.01ubt.com, checked Nov 8, 2026
- To earn the APY
- 12 debit card purchases posted (ATM transactions do not apply)
- receive paperless statements (requires enrollment via online or mobile banking and ongoing valid email address)
- access online or mobile banking at least once
- one direct deposit posted
- APY when those aren’t met
- 0.05%ubt.com, checked Nov 8, 2026
- APY paid on balances up to
- $100,000ubt.com, checked Nov 8, 2026
- Interest compounds
- monthlyubt.com, checked Nov 8, 2026
Fees
- Minimum to open
- $1,000ubt.com, checked Nov 8, 2026
FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.
Rates and fees change; the bank’s own page is the final word. Not all of this account’s figures are on record yet (monthly fee missing). Report a mistake · How we make money · Not stated: 2 items counted at typical fees