Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
The verdict on

Union Bank & Trust Mobile

55
User verdict / 100 High confidence Divided

The Union Bank & Trust Mobile app is generally functional for basic banking tasks like checking balances and transferring money, but recent updates have introduced significant performance issues, connectivity problems, and a clunky user interface, contradicting its high lifetime rating.

4.9★ lifetime (19,799) Free to download since 2012 by Union Bank and Trust Company updated 0.4 mo ago recent negative 38% 120 reviews across 1 regions
Performance & Speed User Interface & Design Connectivity Issues Update Issues Zelle Functionality Mobile Deposit
5★123
4★21
3★11
2★14
1★81
recent reviews across 1 regions, vs the 4.9★ lifetime average

Recent reviews for the Union Bank & Trust Mobile app indicate a decline in user experience despite a high lifetime rating. Users report frequent issues with app speed, connectivity, and a poorly designed interface, particularly after recent updates, though some still find it convenient for basic banking.

What users like

  • Good for checking balances and basic account reviewR1R4R5R25
  • Easy to navigate for some usersR5R9R12R17
  • Convenient for managing funds on the goR1R14R22R36
  • Helpful for UNL students with sign-up bonuses and promotional savings accountsR2

What users complain about

  • Frequent issues with slow loading and app unresponsivenessR3R6R68R69
  • Connectivity problems, often reporting no network even with strong signalR33R43R79R230
  • Zelle function is unreliable, often displaying blank pages or crashingR4R18R58
  • Recent updates have worsened the user interface and overall experience, making it less intuitive and clunkyR93R150R163R168
  • Lack of essential features like Touch ID or Face ID for faster loginR162R167R232R234
  • Mobile check deposit often fails or takes too long to processR46R90R103R121
  • Payment processing can be slow or miscategorized, especially for extra principal paymentsR20R78
  • Issues with forced updates leading to an infinite loop or inability to log inR21R26R96
  • Poor display scaling and layout on newer iPhone modelsR157R158R166R174
  • Bill paying feature is difficult to use, lacking sorting or search for payeesR49R76

Latest update · v20.23.0

What the developer says changed (the verdict above weighs this against what reviewers report):

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.

Recurring themes

Performance & Speed negative
Many users report the app is extremely slow to load transactions, account balances, or any page, often getting stuck on loading screens or spinning indefinitely. This issue has become more prevalent after recent updates.R3R6R68R69
Connectivity Issues negative
A significant number of users experience frequent 'no network connectivity' errors, even when they have a strong Wi-Fi or cellular signal, preventing them from logging in or using the app.R33R43R79R80
User Interface & Design negative
Recent updates have led to a 'desktop look' that many find clunky, unappealing, and difficult to navigate on mobile. Users complain about poor display scaling on larger phone screens, unorganized layouts, and a lack of modern features like Touch ID or Face ID.R93R149R156R158
Zelle Functionality negative
The Zelle feature within the app is frequently reported as non-functional, with users experiencing blank pages, crashes, or being unable to complete transactions. Some resort to using the website for Zelle.R4R18R40R58
Mobile Deposit negative
Users consistently report problems with mobile check deposits, including checks not being processed, requiring multiple attempts, or taking an excessively long time (over 4 days) to clear.R46R90R103R121
Update Issues negative
Many users have faced problems with the update process itself, getting stuck in an infinite loop between the app and the app store, or finding that updates degrade rather than improve functionality, leading to login issues and restricted access.R21R23R26R87

Who it's for

This app is for Union Bank & Trust customers who primarily need to check account balances and perform simple transfers, especially UNL students benefiting from specific bank offers R2. It is not recommended for users who rely on advanced mobile banking features, expect fast and reliable performance, or frequently use Zelle or mobile check deposit, as these functions are often problematic R4R18R46R121.

Evidence note: The recent review sample heavily skews negative, especially concerning performance and post-update issues. While there are positive reviews praising ease of use for basic functions, the recurring themes of slowness, connectivity, and poor UI after updates are strong and widespread.

Frequently asked

Does the Union Bank & Trust Mobile app support Zelle?
While the app is supposed to support Zelle, many users report significant issues, including blank pages, app crashes, and difficulty completing transactions, often requiring them to use the bank's website instead R4R18R58.
Are there issues with the app's speed and connectivity?
Yes, a common complaint is that the app is extremely slow to load transactions and account balances, frequently displaying 'no network connectivity' errors even when the device has a strong internet connection R3R6R33R68.
Does the app have Touch ID or Face ID for login?
No, several users express disappointment that the app lacks Touch ID or Face ID support, requiring them to manually enter passwords for login, which they find inconvenient R162R167R232R234.
Are loan payment features improved with the latest update?
The developer notes claim improved loan payment features, such as scheduling payments from other accounts and paying multiple loans in one transaction. However, recent user reviews do not specifically confirm or deny these improvements, with some users still reporting general payment processing delays or miscategorization of extra payments R20R78.
How does the app perform on newer iPhone models?
Many users with newer iPhone models, including iPhone X and above, report poor display scaling, with the app not fitting the screen correctly, appearing overscanned, or having elements cut off, making it difficult to use R157R158R166R174.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R1] 5/5 · US Bank app: This is an amazing app it allows me to look at my funds on my phone which is very useful
  2. [R4] 2/5 · US App Issues: 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
  3. [R5] 5/5 · US Easy: Works great for us, easy to make changes and review accounts !! Wish all apps were this user friendly .
  4. [R25] 5/5 · US Easy: It’s easy to just open my phone and see how much money I have
  5. [R9] 5/5 · US Simple App: Works great for me
  6. [R12] 5/5 · US Easy to navigate: It’s easy too navigate the app.
  7. [R17] 5/5 · US Works Great!!: Very easy to use!!
  8. [R14] 5/5 · US App: Like having control and information at my fingertips
  9. [R22] 5/5 · US Convenient: I don’t know what I would do without this app
  10. [R36] 5/5 · US UBT App: An exceptionally convenient way to do one’s banking business!
  11. [R2] 4/5 · US Great for UNL: 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
  12. [R3] 2/5 · US Slow: Extremely slow when loading transactions or account balances.
  13. [R6] 1/5 · US The app is always down: The app has issues almost every week and becomes inaccessible. Really frustrating.
  14. [R68] 1/5 · US Slow app performance: This app is so slow and non responsive so many times. Other banking apps are much better. Don’t understand why UBT wouldn’t build a better app.
  15. [R69] 2/5 · US App often times takes forever to load.: Recently, the app frequently takes a very long time load...I don't understand why.
  16. [R33] 3/5 · US Good UI, but WiFi problems: Easy to use- however, oftentimes gives me prompts that the internet isn’t sufficient and refuses to log in, even though I have a perfectly good internet connection
  17. [R43] 1/5 · US Unreliable: This app mostly but sometimes even with full bars and or connected to a secure WiFi it will not load and just spins.
  18. [R79] 1/5 · US Periodically Doesn't Work: Will regularly continue loading for minutes straight just to tell you an error occurred. During these times you can't check your balance, or log in with password or fingerprint. Massive issue I can't wait to see get ignored.
  19. [R230] 3/5 · US Connectivity issue: I like the app when it works but so many times I get an attention message - You do not have network connectivity. Please check your connection and try again. This happens when I have full cell phone strength and can also be connected to a Wi-Fi.
  20. [R18] 1/5 · US Zelle: Zelle app has lot of problems, app crashes when we open directly, when we tried a payment it went on hold and asked to contact customer support but unable to reach customer support. Totally disappointed
  21. [R58] 1/5 · US Cannot use Zelle: The app is really bad. Whenever I try to use Zelle through the app, it kicks me out. Super inconvenience!
  22. [R93] 1/5 · US Worst “upgrades” I’ve ever seen.: This app used to be so easy to use and stream lined, now it’s horrible. Who updates an app just to make it HARDER to use?
  23. [R150] 1/5 · US TWO YEARS LATER: Took y’all TWO YEARS to finally update your mobile app. We’ve been begging for TWO YEARS???!
  24. [R163] 2/5 · US Bad update: I’ve used the app for a few years now however they decided to “update” their app to much dismay. In my opinion, it was not an update, it was a down grade. The app doesn’t perform consistently and isn’t integrated well for day to day use. I wish they would return to the old system because I don’t see the benefit of the current operating system. Along with poor operation, the app is just
  25. [R168] 1/5 · US Awful: Who is developing this? It gets worse with each update. Everyone in my family agrees it’s awful, not user friendly and half of the time the numbers split between 2 lines. I assume your letting a junior high class develop the software. Gets worse and worse, can’t wait for the next update, it will probably just give me a blank screen. I’m seriously considering taking my business elsewhere bec
  26. [R162] 3/5 · US An uncomfortable app: From the moment I started using this app, I felt its overall performance was poor. First, the app's size felt off; I don't know why, but it looks very large! Then, all the operations are incredibly slow. I don't know why, is it due to poor program optimization or slow server response? I can only grudgingly give it three stars. Also, I haven't seen any optimization or upgrades with each update. I remember a much older version was very smooth and comfortable, but this new version is very clunky... making it very uncomfortable. I just wanted to check my balance, but every login and operation is very annoying! I also found that this version doesn't have fingerprint unlock; every login requires a password, which is very inconvenient. I just hope this app can be fully optimized to improve page loading speed and smoothness. Thank you! · translated
  27. [R167] 2/5 · US Update needed: Please update the app so I can use faceID for faster login and make the interface suitable for the iPhone X. Other than that I am happy with the app.
  28. [R232] 3/5 · US Needs Touch ID: I have used a few banking apps and was surprise to see that this one does not have Touch ID. It makes logging in much faster and easier with Touch ID.
  29. [R234] 3/5 · US More user enhancements: The app works for the most part, but the experience is severely lacking. I need to be able to use the app properly without being prompted for a password after only a few minutes. It also needs Touch ID support for the people who have very long passwords.
  30. [R46] 1/5 · US Don’t cash checks on the app: Why would it be an option to cash a check online if it takes longer than 4 days for it to be in my account? I need money and simply have to wait and hope it hits my account. No reliable banking app should have that problem.
  31. [R90] 1/5 · US Was great now it’s not: I’ve used this app for a long time and the last 2 weeks I have had major issues trying to make deposits go through. IF it works it’s because I tried at least a dozen times, today it won’t work at all. It’s a huge waste of my time.
  32. [R103] 1/5 · US Second gen app just as bad: None of the features work. Impossible to deposit checks from app.
  33. [R121] 1/5 · US Mobile deposit not working: Neither the iPhone or iPad will deposit a check...it doesn’t automatically take the picture, I have to do it manually I have the most recent version of iOS and each device and I have deleted the app and reinstalled it on each. Live Chat and phone calls to 833-323-1454 have been a bust Additional information Wednesday: the check is on a flat table on a piece of black
  34. [R20] 3/5 · US Payment takes too long to be processed.: I did setup automatic payment every month but every time I tried to pay extra $100 to the principal account before the deadline they generated it as regular payment and I don’t like it.
  35. [R78] 3/5 · US Payments: It’s takes several days for account payments to update
  36. [R21] 1/5 · US Can’t update: Says I need to update but I click it and then the App Store says it don’t need it. It just keeps doing the same thing
  37. [R26] 1/5 · US Stuck in infinite loop: Forced me to update. When I click the Update button in the app, it brings me to the App Store, where the only option is to Open. If I click Open it brings me back to the app where the only option is the Update button. Deleting the app and starting over didn’t work either. Gee, this is great.
  38. [R96] 1/5 · US Update won’t let me sign in: I just updated it and i’ve been trying to check my balance for an hour and it won’t let me sign in. I’ve called customer support and all they’ve told me was to delete the app and redownload. That’s no help at all
  39. [R157] 1/5 · US iPhone X came out in 2017 and still not update: Really? Been almost three years and y’all still didn’t update the app for iPhone X and above users!!!
  40. [R158] 1/5 · US Update the application: The app needs to be updated, it is incredibly clunky, slow, and doesn’t even fit larger displays? This application is TERRIBLE and needs and update ASAP. So many bugs and issues it’s maddening.
  41. [R166] 1/5 · US UBT GO: Very disappointed in the quality of the app. I have an iPhone X and it doesn’t fit the screen. It is hard to navigate. Very disappointed.
  42. [R174] 1/5 · US Update is unusable on iPhone 7+: The old version of the app looked and worked fine on my iPhone 7+ - not right away, of course, but they eventually got the aspect ratio and resolution correct. But with this latest version, it’s back to being an overscanned, low-res mess because it doesn’t know I’m using a 1920x1080 display. How is that even possible? It’s 2018, AND you had a working version for o
  43. [R49] 1/5 · US Awful: This app is useless. When I log in and try to pay a bill, it goes to a loading screen and then nothing happens. I haven’t been able to make a payment successfully without having to use my laptop. It’s 2023. It shouldn’t be this difficult to give you my money.
  44. [R76] 1/5 · US Bill Paying is horrible: If you have more than a few dozen payee’s, there is no way to sort the list or search for a payee. Even more of a slap in the face is that there is no default sort order for the list, not even alphabetical. I have to scroll, slowly, through the list looking for the one I want. I have hundreds of payees! Shame on this lazy app design.
  45. [R80] 2/5 · US UBT go app: It’s not a bad app providing you get get through. Just tried to login and it said it couldn’t link or something like that.
  46. [R149] 1/5 · US Terrible: The app is absolutely terrible. Horrible interface and difficult to navigate. It should be simple to look at your account and withdrawals but it’s quite a process. Also the deposit feature makes it difficult to use and doesn’t work over half the time. On the app it’ll show different withdrawals than on the website. I like go bank local but get with the times and make this app smoother pl
  47. [R156] 1/5 · US Feels unorganized: It’s an unpleasant hassle to find my account balance (when it doesn’t even show the cents.) I don’t understand why I have to click through tabs and then a pop up screen. It could be much simpler.
  48. [R40] 5/5 · US Zelle: I love the ease of the app. I wish I knew how to access Zelle while using it. I’ve been having to leave the app and go to ubt.com to use Zelle.
  49. [R23] 1/5 · US Access: I can’t access through the app since the last update. It says to check my modem and wires but I don’t use a modem or wires to connect to the internet.
  50. [R87] 1/5 · US Useless: They must have just done an update because I woke to my app saying “application usage is restricted on this device!” I’ve had the same phone for years. I called and they told me everything was fine and the guy on the phone could use his app just fine. I wiped my phone and used a backup from the day before. Bam! Had access again! Not thinking I forgot to tell it not to auto update. It did

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store