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Protect Your Wealth and Start Paying Yourself 

The freedom to live the retirement lifestyle of your choice with more time to spend with your friends and family can make your retirement years truly enjoyable.  However, this is not the time to become complacent about your financial initiatives.  Stay open to new ideas and opportunities to leverage your money, even if you are satisfied with your products and their performance.

Here are some ways UBM can help you fortify your financial position during your retirement years:


Old Fashioned Service with New Age Technology

Bank with us any way you choose.

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You hold the banking world in your hands.  Today, you can bank with us in the lobby of our Winger, Fosston, Plummer and Bemidji branch locations and you can also bank from anywhere else in the world at anytime.  No matter if you choose in-person, online via NetBanc or out-and-about via MobileBanc, we promise to give you the information and service you have grown to expect. holding the world in your hand


Check out our CD Rates

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Take advantage of our CDs - click for our current rates and terms checkmark


Use the extra services that come with your UBM checking account

Learn how ePay and a UBM debit card can help you

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A checking account today is not the same account it was years ago.  With check writing on the decline, many of us are using our checking accounts as the hub from where we pay bills electronically and make our ATM withdrawals.  We encourage you to take a couple of minutes to learn more about our online bill payment solution ePay and our UBM Debit Cards to see if either of these services can fit into your lifestyle. ATM machine



We'll bring the banking to you

Travel all you want ... We will bring your statements to you.

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No need to worry about your statements in the mail if you are gone for an extended period of time or changing to your "winter" address before going south for the winter.  Sign up for our eStatements and we will deliver them to you no matter where you are.  Our eStatements are fast, secure and keep you up-to-date on your banking. See what free services you will receive on your UBM checking account with eStatements. eStatements
When you head south, take us with you.  With MobileBanc and eDeposit, not only can you stay on top of your finances, but also make check deposits to your UBM accounts. mobile phones


Rent a safe deposit box

This a convenient place to store important items that would be difficult or impossible to replace.

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UBM’s safe deposit boxes offer privacy and in most cases, greater security. Than keeping your valuables and important documents elsewhere.  Additionally, some insurance companies charge lower insurance premiums on valuables kept in a bank's safe deposit box instead of at home.  Check out our reduced rates on safe deposits for those 55 and over... Safe Deposit Box


For help determining the best practices and products for sound and productive money management during your particular lifestage, please contact us at 800-421-2588 or