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Running your account

Our aim is to make it easy for you to bank with us, so we’ve provided some further information and useful tips to help you below.

  • Paying In Cash

    There are two ways you can pay cash into your account, these are:

    • You can go to your local NatWest (England and Wales), RBS (Scotland) or Ulster Bank (Northern Ireland) branch with a paying in slip
    • Setting up a Post Office® Cash Account card. This will require you to assign a Post Office®  convenient to you.

    Charges may apply

  • Withdrawing Cash

    You can withdraw cash from your account by setting up an encashment facility at your local NatWest (England and Wales), RBS (Scotland) or Ulster Bank (Northern Ireland) branch.

    Charges may apply

  • Paying in Cheques

    All deposit cheques should be sent in an envelope to our one-line FREEPOST address:

    Freepost UNITY TRUST BANK 1984

    Please note that UNITY TRUST BANK must be in capitals as shown, and the address must be on one line.  Cheques are sent directly to our clearing centre to prevent any delay in getting the funds into your account.

    You can also pay in cheques at your local NatWest (England and Wales), RBS (Scotland) or Ulster Bank (Northern Ireland) branch with a paying in slip. Charges may apply for this service.


  • Image Clearing

    From 30 April 2018 we are making changes to reflect the introduction of a new Image Clearing System for cheques and credits, introduced by Cheque & Credit Clearing Company. This is a new way of clearing cheques across the UK that allows banks to clear a digital image of a cheque, rather than the original paper cheque.

    This means cheques will be processed more quickly – the Image Clearing System will speed up the time it takes to clear a cheque, meaning funds will be available faster.

    If your cheque is processed using Image Clearing it will clear as follows:

    Day 0 You pay the cheque into your account.
    Day 1 You’ll start earning credit interest (if payable) on the amount of the cheque.

    The money is available for you to use. Should the bank or building society subsequently receive an instruction not to pay the cheque, they’ll explain the reason to you.

    After 23:59 the bank or building society of the person making the payment to you can’t reclaim the payment (unless fraud is suspected).

    If a Sterling cheque is paid into your account after 3.30pm on a business day or on a non-business day, the “Image Clearing” process will begin on the next business day.

    Internet Banking and electronic payments are still the most convenient method of payment – while this change will speed up the process of clearing cheques, electronic payment is still a faster method of making a payment.

Making changes to your account

If you wish to change the address of your organisation all you need to do is send us a letter stating the new address and ensure the letter is signed in accordance with your mandate.

You may also need to add or remove a signatory, telephone user or internet banking user, you can do this by simply completing the relevant form. These can be found here.

Opening additional accounts
We understand that you may need to open additional accounts, if all the details and signatories are the same you can send a letter stating the name of the additional account and ensure the letter is signed in accordance with your mandate.

Alternatively, if the details are changing please complete a new account application form.

Closing your Unity account
You may need to close your Unity account, in order to do this you will need to send a letter signed in accordance with your mandate to us stating the name of the account you wish to close and details of where you would like the outstanding balances redirected to.

Fraud Awareness

Telephone banking fraud, or ‘vishing’, is becoming increasingly commonplace. This is where fraudsters do not actually scam their victims online, but use the telephone in an attempt to trick them into disclosing information or completing certain actions that could result in financial loss. It is very important to keep your passwords and bank details private, so please be cautious when taking phone calls.

If you receive a call from someone claiming to be from Unity Trust Bank, and think it might be a scam, then it is important that you report it to us so that we can investigate on your behalf.

More information about how to keep safe from potential scams and fraud can be found on the Take Five to Stop Fraud website

We have put together a leaflet to assist you in putting in place the internal controls to assess, prevent and detect the risk of your organisation being affected by fraud.

Download the leaflet for more information – Fraud Awareness.

Special Stationery

For customers who choose to produce your own, personalised stationery (paying-in books, cheque books etc.), we recommend that you ask your agency/printer which format they would prefer to use and then download the appropriate file from this dedicated page.


Useful Links

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 Social Impact 2016

Case studies