Frequently Asked Questions (FAQs)

You’ve got questions. We’ve got answers. Browse common FAQs below, but don’t hesitate to contact us if you have a question that’s not included below!

Q: Why should I bank with URB? 

A: URB has the best customer service. We pride ourselves on timely responses and individual solutions for your banking needs.

Q: I need a business loan. What do I need to provide to the Bank? 

A: Personal financial statement, personal and business tax returns for the prior three years, prior year business financials including balance sheet and profit and loss statements, and organizational documents.

Q: Do I have to have great credit to get a loan?

A: No, we don’t solely base a credit decision on one’s credit score. We consider a Borrower’s individual capacity for repayment, the quality of collateral being pledged, and many other financial ratios before determining whether or not to extend credit.

Q: How long does it take to approve and close a business or commercial loan? 

A: Typically, it takes anywhere from 2-6 weeks depending on how long it takes to obtain all of the Borrower’s financial and organizational documentation.

Q: How do I wire money?

A: You need to call 402.505.8500 and speak to a Personal Banker for details. 

Q: How do I reset my online banking?

A: You need to call 402.505.8500 and speak to a Personal Banker. 

Q: What are your hours?

A: Bank Lobby: Monday - Friday 8:00 am - 5:00 pm; Saturday 9:00 am - 12:00 pm

    Drive Up:  Monday - Friday 7:30 am - 5:30 pm; Saturday 9:00 am - 12:00 pm

Q: Do you have other branches?

A: We currently have one location. Our address is 111 N. 181st Street Elkhorn, NE 68022

Q: How do I dispute a transaction on my account? 

A: Give us a call at 402.505.8500 and ask to talk to a Personal Banker.

Q: How do I change my PIN number on my Visa Debit Card?

A: Come into the bank with your debit card and we can help you with that


If you have a question not answered above, don’t hesitate to get in touch and we’re happy to help!



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