The very high path loss caused by molecular absorption becomes the biggest problem in Terahertz (THz) wireless communications. Recently, the multi-band ultra-massive multi-input multi-output (UM-MIMO) system has been proposed to overcome the distance problem. In UM-MIMO systems, the impact of mutual coupling among antennas on the system performance is unable to be ignored because of the dense array. In this letter, a channel model of UM-MIMO communication system is developed which considers coupling effect. The effect of mutual coupling in the subarray on the functionality of the system has been investigated through simulation studies, and reliable results have been derived.