This section provides help if you are stuck or can't find what you are looking for. It also has the answers to the most frequently asked questions.
You can register for Online Banking by using our general enquiry form or calling us to discuss your options. Alternatively, please apply at one of our branches.
The system will require you to change your Access Code the first time you use Online Banking. To change your Access Code in Online Banking, select Change Access Code under Settings & Security in the top drop down menu.
We encourage you to set up a strong access code between 8-40 characters long with a mix of upper and lower case letters and numbers. Never use sequential number patterns or personal information, such as a birthdate or anniversary, which might be easy to guess or gather from social media pages.
When provided with a temporary access code we advise you to log on and change it as soon as possible. If you have forgotten it, you can use the Self Service password reset by clicking ‘Forgotten your Access Code’. For this you will need a few details, therefore if you are a brand new member or not sure about the details being asked you will need to contact us to reset your access code for you.
Online Banking will allow three login attempts before blocking access to your accounts. Contact your Service Centre or call us on 1300 36 2000 during business hours for information about getting your Access Code reset.
Self Service password reset is available on the login page by selecting the ‘Forgotten your Access Code’ option. If you have already attempted to log in a few times unsuccessfully, this option may not be available to you. To use this option you will need to know a few details about your account and have a valid card on one of your accounts.
Your Online Banking access will be blocked as a security measure after a number of unsuccessful login attempts. Please call us if you are unable to log in following multiple attempts. Alternatively, there may be an issue with your registration or brand. Please call us.
Access codes must be at least 8 characters long with a combination of upper and lower-case letters, numbers, and special characters.
The account will remain the same and will still require two signatures to process a transaction. These transactions will still not be allowed to be processed within the new Online Banking site.
SMS verification codes at login are an added security measure to keep your funds safe. Once the User ID and Access Code is entered, an SMS will automatically be sent to the registered mobile number. Input the code and click OK to be logged into see your account and complete your banking.
At Unity Bank, we are committed to your security and privacy online. Industry reports suggest that hackers can run automated programs to find user names and passwords until they match, if they have the date of birth with them. Date of birth is easily accessible through social media and through purchase of mailing lists. This is why we have adopted the industry recommendation and have removed DOB as part of the login and to minimise the online security risk for our members.
When you login to Online Banking via the Unity Bank website, you enter our secure Online Banking environment. Click here to learn more about our Online Security.
A transaction list is a list of all your transactions over the period of time that you select. It is similar to a statement. (Note: This account transaction list does not constitute the account statement the Bank is required to issue to you in accordance with the terms and conditions applicable to your account)
You can download a list of your transactions to a number of formats for uploading to an accounting package. Under the Statements tab you can choose Statements and then Create a transaction list. Alternatively you can click the Download Transaction quick link when browsing your accounts.
In the Statement tab you can choose to have your statements sent online. If this option is chosen, you can view the statement in the same tab under the heading Statements.
Funds can be transferred between accounts under the same Membership number and/or to other Unity Bank accounts.
Funds can also be transferred to other Australian financial institutions (conditions apply). You will require the BSB, account number and account name details of the receiving account. Please ensure to check that the account details are correct before making any transfers.
The account from which funds are being transferred must be a Savings Account or if you are in advance on your loan account and have registered for Redraw you may transfer funds from your loan account.
The funds to be transferred must not be greater than the available balance.
We have now made it easier for our members to transfer funds to their internal and external accounts via one location under Online Banking. All transfers whether they are external or internal can be done via Online Banking. Select the 'Transfer Money' from 'Payments and Payees' in the top drop down menu.
You can set up future dated payments to pay bills or transfer fund using Online Banking. Select the appropriate option under 'When' on the 'Transfer Money' page to future date your payment. You can also choose to nominate single future payment or recurring future payment including the frequency of the payment.
Osko transactions are transferred on the same day, provided the payment is to an existing payee. Funds transferred to external accounts including BPAY payments can take up to 3 working days. These exclude any future dated payments.
By default the daily limit is $10,000 which applies to all payments and transfer to non-G&C Mutual Bank (external) accounts and BPAY Billers. You can increase or decrease this limit by contacting us on 1300 36 2000.
Contact us immediately either by email, through our Fraud Enquiry Form or phone on 1300 36 2000.
You have the convenience to open Term Deposits and Savings Accounts via our Online Banking service.
Redrawing from your loan account is an easy process and can be completed via Online Banking.
Select the loan account from which you wish to redraw and then select the appropriate transfer type you would like to do. You can either select transfer or BPAY to process your redraw transaction. Please call us on 1300 36 2000 if you need any assistance in processing your redraw.
Select 'Account/Transaction Details' from 'Accounts' drop down menu to view full transaction history.
Log into Online Banking, select 'Payments and Payees' in the menu bar, then select 'Scheduled Payments'.
This will display all of the payments you have scheduled to be made in the future. Select the scheduled payment to modify or cancel as required.
Please note, all future dated payments can only be cancelled up until the day before the payment is due.
If checking on our Mobile App, after logging in click on 'Pay' on the bottom screen, then click on 'Future Payments'.
If you have scheduled a payment to be made in the future, you must ensure there are sufficient funds in your account to cover the payment on the day before the payment is due.
Click on the 'Periodical Payments' / 'Future Payments' function. This will display all of the payments you have scheduled to be made in the future, with options to view, or delete them. Please note that future dated payments can only be cancelled up until the day before the payment is due.
There is no fee for EFT, BPAY or Osko transactions, additionally there is no fee for transfers between Unity Bank accounts. You may however be charged a fee by other financial institutions when transferring from or to these accounts.
Please refer to our Fees and Charges Schedule for more information.
As a security measure, if the Access Code is entered incorrectly three times, you will have your access deactivated. This is to stop someone trying to guess your Access Code.
To be reactivated, you will have to Contact Us on 1300 36 2000 and provide adequate identification to the operator.
You now have the convenience of switching from paper to more secured online statements - eStatements. Log into Online Banking, then proceed as follows:
To view your eStatement, select 'Statements' in the top drop down menu and then 'GCMB Online Statements'.
Select 'View' on the right side to view a statement.
Select the eStatement you wish to save. When it opens in Adobe Acrobat Reader, in the bottom right-hand corner, select save. If you are using a computer, the file will be in your recent downloads. If you are on a mobile device, it will be saved to your device.
You can use 'Secure Mail' to send and receive email to and from Unity Bank without having to leave your Online Banking. From time to time, we will use this service to notify you of system upgrades or important information relating to Online Banking. You can also use this service to email us and one of our staff will respond to your enquiry as soon as possible.
This can be found on the top right-hand corner with the mail icon labelled 'Inbox'.
Online banking supports all modern browsers including Microsoft Edge, Google Chrome, Mozilla Firefox, Opera, Safari and Brave.
Make sure to keep your browsers up-to-date. Most modern browsers are configured to automatically update themselves, however you can typically manually update via the 'Help' or 'About' menus.
There are a number of pop-up blockers you may have on your system, which if enabled will prevent you from accessing the Online Banking login page.
Internet Explorer has built a pop-up blocker. You can access this via the 'tools' menu on the browser to disable or add unitybank.com.au to your exceptions list.
Problems connecting to Online Banking are generally due to your Internet Browser settings not being quite compatible with our secure site. The following messages show the most common errors and their solutions.
This can be remedied by altering the browser settings (if using Internet Explorer).
Click on Tools, then Internet Options. On the General tab, in the section ‘Browsing history’, click on Settings. Alter the ‘Check for newer versions of stored pages’ option to – Every time I visit the webpage. Click on OK, and OK.
If your access is denied, it is because either the Access Code or Member Number you have entered is incorrect. Please check this carefully before re-entering, because if these values are entered incorrectly three times, access to your account will be blocked for security. Please call us on 1300 36 2000 if you are experiencing these issues.
This indicates congestion between your computer and our secure data center and is usually cleared within a few minutes or so. Please leave for a few minutes and try again.
Your browser not accepting 'cookies' causes this.
These can be enabled through the tools setting in your browser.
If using Internet Explorer, in the menu bar, select Tools → Internet Options → Privacy → Advanced
Select Accept or Prompt under Third-Party Cookies, then select 'Ok', 'Ok'.
This is caused when your browser does not clear the 'cookies' from a previous session. You can search in your browserfor further instructions on how to clear cookies through your browsers tools settings.
If you continue to have login problems, please check that you have the latest updates for your Internet browser and Operating System (Windows). These updates are recommended for your continued security.
Yes. So long as you have Internet access and remember your User ID and Access code, you can access most Online Banking functions from anywhere in the world. Please ensure that you maintain strict control over your Login details. In addition, ensure that the PC you are using has the latest virus protection and is secure. You may also need to be able to access your mobile phone for a verification code.
Online Banking will time out after a period of inactivity, however we recommend that you never leave your Online Banking site open if you leave the computer you are working on. Log out of Online Banking and re-login at a later time if required.
Sometimes we need to take our systems/services offline to perform upgrades or maintenance. We suggest checking our website and social media pages for any outages. If problems persist, please contact us.
