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Internet banking FAQs

Did you know we have a page of online tutorials to help guide you through common internet banking tasks? Click here.

Q: I’m new to internet banking, how do I register?
A: Watch our short video guide on how to register.

Q: Can I cancel direct debits?
A: Yes, direct debits can be cancelled by selecting the ‘Expire’ button in the Direct Debit section. You can also follow a tutorial by clicking here.

Q: Can I give users access to internet banking without letting them transfer funds?
A: Yes, Unity offers a ‘view only’ and ‘submit’ facility that allows you to keep other members of your organisation informed or to submit transactions for you to authorise without compromising security.

Q: Can I pay bills online and transfer funds to other bank accounts?
A: Yes, payments can be made to any bank account via the bill payment service by clicking the payments menu.

Q: How can I change the reference on a bill payment?
A: If you wish to make regular payments to the same beneficiary quoting different reference numbers, it is industry standard practice to create multiple beneficiaries, each quoting the required reference. Alternatively, if you wish to amend the reference on an existing beneficiary for future payments, you can do so using the beneficiaries menu but do remember to authorise the changes using the ‘Awaiting Authorisation’ screen, before making any payments. Once a Beneficiary ‘template’ has been created it will not automatically update if you change a reference when processing an individual payment but the money will reach the destination quoting the reference you enter.

Q: How secure is internet banking?
A: Your security and privacy are of utmost importance to us. We take many steps to protect your information ranging from secured networks designed to prevent unauthorised activity through to advanced use of encryption technology.

Q: Do I need to use two-factor authentication with internet banking?
A: In Autumn 2019, we are introducing Strong Customer Authentication (SCA) as part of a new regulation being introduced to combat fraud and increase the security of online payments. This additional authentication will be undertaken through an automated telephone call.  Read our Strong Customer Authentication FAQs here.

Q: If I am unable to connect to the internet, can I use telephone banking?
A: Yes, As long as you are a signatory or authorised telephone banking mandate holder. Our friendly staff are always happy to help and only a phone call away.

Q: What do I need for internet banking?
A: You will need a PC capable of running the latest version of Microsoft Internet Explorer. Alternatively, you could use other browsers such as Mozilla Firefox and Safari. You will also need a method of connecting to the Internet via an Internet Service Provider (ISP).

Q: What if my organisation requires more than one person to authorise payments?
A: Unity has developed ‘dual authority’ and ‘triple authority’ options for your peace of mind. This requires a minimum of two users, to complete a transaction. One user submits a transaction and another user will then authorise it from the awaiting authorisation screen.

Q: What security measures do you recommend?
A: We recommend that you follow best practice whilst connecting to the Internet by using a firewall and ensuring that any software is kept up-to-date, particularly anti-virus software. For your own peace of mind, you can do a few things to protect your account – never disclose your password to anyone and always log off when you have finished your transactions.

Switching made simple

By switching your bank account to Unity you’ll be helping to create a better society.  You’ll also benefit from 24/7 access to your account using our Internet Banking service.

Our free account switcher service makes the process as easy as possible:

  • We’ll close your existing account for you.
  • We contact your existing bank for a list of your Direct Debit and Standing Order payments for the account you’re switching from.
  • You select the accounts you want us to move to us.

Switch to us

How we make a difference

We are a bank established to serve the needs of our customers and enrich society as a whole.  We work with organisations that aim to have a positive impact on society through economic, community or social change.

Our people support charities and communities through our ‘Unity in the Community’ (UitC) programme.  The Unity team is actively involved in volunteering and fundraising events  organised throughout the year.  Good causes are nominated by our people to receive donations.

To find out more about how we make a difference, view our Impact Report – Half Year 2020 or Impact Report – 2019.

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