retail banking

Retail Products

Double Edge Savings Account

This account combines features of both current and savings accounts and can be used as collateral for a loan.

Features

-          Combines features of savings and current account

-          Non-clearing customised cheque.

-          Opening and minimum operating balance of N20,000 for individuals and N50,000 for corporate bodies.

Benefits

-          Cheque and dividend warrant lodgments allowed.

-          Interest bearing at normal saving s rate.

-          COT free

-          Collateral for borrowing

-          Instant access to electronic banking

-          Facilities (Internet Banking, ATM, SMS Alerts).

-          On-line withdrawal /deposit from any of our branches.

-          Allows withdrawals by third party but subject to maximum of N50,000(may be reviewed to N150,000 based on popular demand).

Target Savings Account (TSA)

This account is for savers with a specific target like holy trips, holidays, opening of new business, preparation for weddings etc.

Features

-             Flexible opening balance..

-             Personal cheque and dividend warrant lodgment applicable.

-             Cash lodgment and payment

-           Monthly statements of account (By email or surface mail).

Benefits

-          ATM card. (for individuals).

-          Internet banking access.

-          SMS alert.

-          Interest Bearing.

Holy Trip Muslim

Features

-          Non-interest savings account (Payable on demand).

-          Deposit and withdrawal slips for cash lodgments and withdrawals

-          Initial deposit of N5,000

-          Duration as required by the customer.

-          Maximum of one withdrawal per quarter.

-          Personal cheque and dividend warrant lodgment.

Benefits

-          Access to PTA For international passengers.

-          Direct payment to Travel agencies.

Savings Account

This is a regular savings account allows safe keeping of your money while yielding interest.

Features

-          Minimum opening balance of N2000.00 and operating balance of N500.00.

-          Cash lodgment and payment

-          Quarterly statements of account (By email or surface mail). Additional request for Statement to be charged.

Benefits

-          ATM card.

-          Internet banking access.

-          SMS alert.

-          Interest Bearing subject to a maximum of three withdrawals within a month.

-          Online deposit/ withdrawals from any Unity Bank branch.

Fixed Deposit Account

This account allows you to place money at a higher negotiable interest rate.

Features

-          Can be withdrawn at any time after the initial 30days..

-          It serves as security for credit facilities.

-          Minimum deposit of N100,000.00

Benefits

-          Competitive interest rate.

Beta Account

Business Empowerment & Thrift account is for artisans and apprentices. The account has a five year life span, it can be used as collateral for a loan, and customers have opportunity to win funds for empowerment tools.

Features

-          Flexible Opening Balance.

-          Regular periodic deposit up to a targeted amount over a specific period (max period of 5yrs).

-          Interest Bearing.

-          Personal cheque lodgment in the name of the account holder (Conditions Apply).

-          Only one withdrawal in a quarter .

-          Converts automatically to current account when the child turns 18 years .

Benefits

-          Access to scholarship.

-          Account can be used as collateral for loan.

-          Minimum of N50, 000 for three consecutive months provides an opportunity to win tools, materials for business expansion (Conditions Apply).

-          ATM card.

-          SMS alert.

-          Cheques and Dividend warrants payable to the account.

Unity Kids Account

Encourages savings from childhood, opportunity to win scholarship, free birthday card and welcome pack for customers who open account with N10,000 and above.

Features

-          Normal savings interest rate..

-          One withdrawal allowed monthly.

-          Converts automatically to current account when the child turns 18 years .

Benefits

-          Encourages savings and banking habits from childhood.

-          Automatically becomes member of ACE Kiddies Club.

-          The child gets a birthday gift. .

Holy Trip Christian

Features

-          Personal cheque and dividend warrant lodgment.

-          Deposit and withdrawal slips for cash lodgments and withdrawals

-          Initial deposit of N5,000

-          Duration as required by the customer.

-          Maximum of one withdrawal per quarter.

Benefits

-          Normal savings interest rate.

-          Access to PTA from the bank.

-          Direct Payment to Travel Agency.

-          Access to loan facilities.

Current Account

This is a regular current account for your day-to-day use..

Features

-          Flexible opening balance

-          Cash/cheque lodgments and payment

-          Clearing of banking and financial instruments.

-          Withdrawals on demand.

-          Monthly statements of accounts (By Email or Surface Mail)

-          COT charged according to bankers tariff

Benefits

-          ATM card.

-          Internet banking access. (On Demand)

-          Availability of COT Concessions for large turnover.

-          Interest payment on minimum balance to be determined by the Bank's management

-           Facilitates transfer of funds

-           Ease of payments

-           Cheque book issued in the name of the account

-           Availability of Overdraft/Loan facility on application

-           Availability of Business & Personal Travel Allowance (Conditions apply)

-           SMS alert (On request)

 

end faq

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  • Unity Farmer
  • Target Savings Account
  • New Unity Mobile
  • Internet Banking
  • Unity Kids
  • E-Channels
  • Holy Trip
  • Annual Report
  • Holy trip Card
  • Unity Mobile
  • Platinum Card