BANKING INCLUDING HOME LOANS, ACCOUNTS, CREDIT CARD UniBank is a division of Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian Credit Licence 238981.. For products and services, conditions, fees and charges apply. These may change or we may introduce new features or fees and charges in the future.

EVERYDAY BANKING

UniBank is a division of Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian Credit Licence 238981.. For products and services, conditions, fees and charges apply. These may change or we may introduce new features or fees and charges in the future.

SAVINGS ACCOUNTS

Everyday savings accounts. When you have a savings account with UniBank, earning a good return on your money is easy. And, with so many options to choose from, you’re guaranteed to find the right savings solutions to fit your needs.

ABOUT | UNIBANK

UniBank was established by staff of the Chemistry Department at the University of Western Australia in 1964. Originally called The University Staff Credit Society Limited, the company’s focus was to provide financial products and services to members of the university community at a time when obtaining finance was difficult for everyone.

TERM DEPOSIT

Term Deposit interest is calculated on the daily closing balance of the account and can be credited (compounded) to the term deposit account annually or on maturity. Term deposits lodged for more than 12 months must have interest paid at least every 12 month period as well as at maturity and the interest can be compounded to the principal.

HELP CENTRE

UniBank is a division of Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian Credit Licence 238981.. For products and services, conditions, fees and charges apply. These may change or we may introduce new features or fees and charges in the future. OWNER OCCUPIER HOME LOANS UniBank is a division of Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian Credit Licence 238981.. For products and services, conditions, fees and charges apply. These may change or we may introduce new features or fees and charges in the future. BUSTING 5 MYTHS ABOUT HOME BUYING UniBank is a division of Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian Credit Licence 238981.. For products and services, conditions, fees and charges apply. These may change or we may introduce new features or fees and charges in the future. WHERE DOES MY MONEY GO Teachers Mutual Bank Limited has been named one of the World’s Most Ethical Companies from 2014-2020, and includes subsidiaries Teachers Mutual Bank (2014-2020) UniBank (2016 - 2020), Firefighters Mutual Bank (2018 - 2020) and Health Professionals Bank (2020). Material contained in Money Matters is for information only.

FRAUD ALERT

Fraud Alert. You may have received an email in the last 24 hours claiming to be from Teachers Mutual Bank and asking you to update your billing information. For security reasons, neither Teachers Mutual Bank or UniBank would never ask you to click on a link to BANKING INCLUDING HOME LOANS, ACCOUNTS, CREDIT CARD UniBank is a division of Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian Credit Licence 238981.. For products and services, conditions, fees and charges apply. These may change or we may introduce new features or fees and charges in the future.

EVERYDAY BANKING

UniBank is a division of Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian Credit Licence 238981.. For products and services, conditions, fees and charges apply. These may change or we may introduce new features or fees and charges in the future.

SAVINGS ACCOUNTS

Everyday savings accounts. When you have a savings account with UniBank, earning a good return on your money is easy. And, with so many options to choose from, you’re guaranteed to find the right savings solutions to fit your needs.

ABOUT | UNIBANK

UniBank was established by staff of the Chemistry Department at the University of Western Australia in 1964. Originally called The University Staff Credit Society Limited, the company’s focus was to provide financial products and services to members of the university community at a time when obtaining finance was difficult for everyone.

TERM DEPOSIT

Term Deposit interest is calculated on the daily closing balance of the account and can be credited (compounded) to the term deposit account annually or on maturity. Term deposits lodged for more than 12 months must have interest paid at least every 12 month period as well as at maturity and the interest can be compounded to the principal.

HELP CENTRE

UniBank is a division of Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian Credit Licence 238981.. For products and services, conditions, fees and charges apply. These may change or we may introduce new features or fees and charges in the future. OWNER OCCUPIER HOME LOANS UniBank is a division of Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian Credit Licence 238981.. For products and services, conditions, fees and charges apply. These may change or we may introduce new features or fees and charges in the future. BUSTING 5 MYTHS ABOUT HOME BUYING UniBank is a division of Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian Credit Licence 238981.. For products and services, conditions, fees and charges apply. These may change or we may introduce new features or fees and charges in the future. WHERE DOES MY MONEY GO Teachers Mutual Bank Limited has been named one of the World’s Most Ethical Companies from 2014-2020, and includes subsidiaries Teachers Mutual Bank (2014-2020) UniBank (2016 - 2020), Firefighters Mutual Bank (2018 - 2020) and Health Professionals Bank (2020). Material contained in Money Matters is for information only.

FRAUD ALERT

Fraud Alert. You may have received an email in the last 24 hours claiming to be from Teachers Mutual Bank and asking you to update your billing information. For security reasons, neither Teachers Mutual Bank or UniBank would never ask you to click on a link to

ABOUT | UNIBANK

UniBank was established by staff of the Chemistry Department at the University of Western Australia in 1964. Originally called The University Staff Credit Society Limited, the company’s focus was to provide financial products and services to members of the university community at a time when obtaining finance was difficult for everyone.

PERSONAL LOANS

Compare all UniBank Personal Loans. **Comparison rate warning. Comparison rates quoted are based on $10,000 for a term of 3 years for Travel Loans, $10,000 for a term of 3 years for Car Loans and All Purpose Loans and $30,000 for a term of 5 years for Secured New Car Loans, with monthly repayments. The Secured New Car Loan is a secured

product.

GET STARTED

UniBank is a division of Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian Credit Licence 238981.. For products and services, conditions, fees and charges apply. These may change or we may introduce new features or fees and charges in the future.

OUR STORY | UNIBANK

UniBank is the result of the merger between The University Credit Society Limited (Unicredit) and Teachers Mutual Bank Limited. After a comprehensive strategic review of Unicredit operations in 2014 and careful consideration of the various alternatives, the Unicredit Board concluded that joining forces with another strong and equally dedicated party was the best path forward to securing a ABOUT THE MOBILE BANKING APP Download our app. Once you’re registered for Internet Banking, download our Mobile App for safe, easy-to-use banking anytime, anywhere on your mobile phone. You can manage your money on your terms - check your balance, pay bills, transfer funds, all with the touch of a finger. And with innovation, safety and simplicity at its core,

including

MOBILE BANKING APP FAQS The steps to change your card PIN are as follows: Step 1: On the bottom navigational panel of the app, tap "Cards". Step 2: On the next screen swipe through until you find the card you want to change the PIN of. Step 3: Tap "Change PIN". Step 4: Enter your existing PAYMENTS | OSKO BY BPAY | UNIBANK Visit osko.com.au or payid.com.au. 1800 864 864. 1800 864 864. Call now. +61 8 9389 1011. +61 8 9389 1011. Contact us from overseas. For more information and answers to the most frequently asked questions, view here . *Important information. PAYMENTS | PAYID | UNIBANK BSB 806-036 All enquiries 1800 864 864 Need Help? Search now.

Overseas?

ONE OF THE WORLD'S MOST ETHICAL COMPANIES The World’s Most Ethical Company assessment is based upon the Ethisphere Institute’s Ethics Quotient (EQ) framework and honours superior achievements in transparency, integrity, ethics and compliance. Teachers Mutual Bank Limited has been named one of the World’s Most Ethical Companies from 2014-2021, and includes subsidiaries Teachers

CONDITIONS OF USE

6 7 Transitioning From the time of opening their account until their eighteenth birthday, we may transition children through different account types, access BANKING INCLUDING HOME LOANS, ACCOUNTS, CREDIT CARD UniBank is a division of Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian Credit Licence 238981.. For products and services, conditions, fees and charges apply. These may change or we may introduce new features or fees and charges in the future.

EVERYDAY BANKING

UniBank is a division of Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian Credit Licence 238981.. For products and services, conditions, fees and charges apply. These may change or we may introduce new features or fees and charges in the future.

SAVINGS ACCOUNTS

Everyday savings accounts. When you have a savings account with UniBank, earning a good return on your money is easy. And, with so many options to choose from, you’re guaranteed to find the right savings solutions to fit your needs.

TERM DEPOSIT

Term Deposit interest is calculated on the daily closing balance of the account and can be credited (compounded) to the term deposit account annually or on maturity. Term deposits lodged for more than 12 months must have interest paid at least every 12 month period as well as at maturity and the interest can be compounded to the principal.

HELP CENTRE

UniBank is a division of Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian Credit Licence 238981.. For products and services, conditions, fees and charges apply. These may change or we may introduce new features or fees and charges in the future. OWNER OCCUPIER HOME LOANS UniBank is a division of Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian Credit Licence 238981.. For products and services, conditions, fees and charges apply. These may change or we may introduce new features or fees and charges in the future. WHERE DOES MY MONEY GO Teachers Mutual Bank Limited has been named one of the World’s Most Ethical Companies from 2014-2020, and includes subsidiaries Teachers Mutual Bank (2014-2020) UniBank (2016 - 2020), Firefighters Mutual Bank (2018 - 2020) and Health Professionals Bank (2020). Material contained in Money Matters is for information only.

CONDITIONS OF USE

Contents Opening and operating your accounts Accounts and access facilities 5 Children’s accounts 5 Proof of identity 6 Account details 6 Summary of accounts and access facilities 10 REQUEST TO RELEASE SECURITY PROPERTY Address of properties to be released (All to complete) Section A – Nominated representative details (Solicitor/Conveyancer/Financial Institution/Agent) Section B – Settlement details Reason for request Firefighters Mutual Bank, Health Professionals Bank, Teachers Mutual Bank and UniBank are divisions of Teachers Mutual Bank Limited

FRAUD ALERT

Fraud Alert. You may have received an email in the last 24 hours claiming to be from Teachers Mutual Bank and asking you to update your billing information. For security reasons, neither Teachers Mutual Bank or UniBank would never ask you to click on a link to BANKING INCLUDING HOME LOANS, ACCOUNTS, CREDIT CARD UniBank is a division of Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian Credit Licence 238981.. For products and services, conditions, fees and charges apply. These may change or we may introduce new features or fees and charges in the future.

EVERYDAY BANKING

UniBank is a division of Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian Credit Licence 238981.. For products and services, conditions, fees and charges apply. These may change or we may introduce new features or fees and charges in the future.

SAVINGS ACCOUNTS

Everyday savings accounts. When you have a savings account with UniBank, earning a good return on your money is easy. And, with so many options to choose from, you’re guaranteed to find the right savings solutions to fit your needs.

TERM DEPOSIT

Term Deposit interest is calculated on the daily closing balance of the account and can be credited (compounded) to the term deposit account annually or on maturity. Term deposits lodged for more than 12 months must have interest paid at least every 12 month period as well as at maturity and the interest can be compounded to the principal.

HELP CENTRE

UniBank is a division of Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian Credit Licence 238981.. For products and services, conditions, fees and charges apply. These may change or we may introduce new features or fees and charges in the future. OWNER OCCUPIER HOME LOANS UniBank is a division of Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian Credit Licence 238981.. For products and services, conditions, fees and charges apply. These may change or we may introduce new features or fees and charges in the future. WHERE DOES MY MONEY GO Teachers Mutual Bank Limited has been named one of the World’s Most Ethical Companies from 2014-2020, and includes subsidiaries Teachers Mutual Bank (2014-2020) UniBank (2016 - 2020), Firefighters Mutual Bank (2018 - 2020) and Health Professionals Bank (2020). Material contained in Money Matters is for information only.

CONDITIONS OF USE

Contents Opening and operating your accounts Accounts and access facilities 5 Children’s accounts 5 Proof of identity 6 Account details 6 Summary of accounts and access facilities 10 REQUEST TO RELEASE SECURITY PROPERTY Address of properties to be released (All to complete) Section A – Nominated representative details (Solicitor/Conveyancer/Financial Institution/Agent) Section B – Settlement details Reason for request Firefighters Mutual Bank, Health Professionals Bank, Teachers Mutual Bank and UniBank are divisions of Teachers Mutual Bank Limited

FRAUD ALERT

Fraud Alert. You may have received an email in the last 24 hours claiming to be from Teachers Mutual Bank and asking you to update your billing information. For security reasons, neither Teachers Mutual Bank or UniBank would never ask you to click on a link to

ABOUT | UNIBANK

UniBank was established by staff of the Chemistry Department at the University of Western Australia in 1964. Originally called The University Staff Credit Society Limited, the company’s focus was to provide financial products and services to members of the university community at a time when obtaining finance was difficult for everyone.

HELP CENTRE

UniBank is a division of Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian Credit Licence 238981.. For products and services, conditions, fees and charges apply. These may change or we may introduce new features or fees and charges in the future.

GET STARTED

UniBank is a division of Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian Credit Licence 238981.. For products and services, conditions, fees and charges apply. These may change or we may introduce new features or fees and charges in the future.

OUR STORY | UNIBANK

UniBank is the result of the merger between The University Credit Society Limited (Unicredit) and Teachers Mutual Bank Limited. After a comprehensive strategic review of Unicredit operations in 2014 and careful consideration of the various alternatives, the Unicredit Board concluded that joining forces with another strong and equally dedicated party was the best path forward to securing a ABOUT THE MOBILE BANKING APP Download our app. Once you’re registered for Internet Banking, download our Mobile App for safe, easy-to-use banking anytime, anywhere on your mobile phone. You can manage your money on your terms - check your balance, pay bills, transfer funds, all with the touch of a finger. And with innovation, safety and simplicity at its core,

including

OWNER OCCUPIER HOME LOANS UniBank is a division of Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian Credit Licence 238981.. For products and services, conditions, fees and charges apply. These may change or we may introduce new features or fees and charges in the future. BUSTING 5 MYTHS ABOUT HOME BUYING UniBank is a division of Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian Credit Licence 238981.. For products and services, conditions, fees and charges apply. These may change or we may introduce new features or fees and charges in the future. MOBILE BANKING APP FAQS The steps to change your card PIN are as follows: Step 1: On the bottom navigational panel of the app, tap "Cards". Step 2: On the next screen swipe through until you find the card you want to change the PIN of. Step 3: Tap "Change PIN". Step 4: Enter your existing THE IMPORTANCE OF SLEEP WHILE STUDYING UniBank is a division of Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian Credit Licence 238981.. For products and services, conditions, fees and charges apply. These may change or we may introduce new features or fees and charges in the future. OVERSEAS MONEY TRANSFER CHANGE Notification of change to incoming overseas money transfer details. UniBank members are advised that the preferred intermediary bank for CUSCAL – UniBank's provider of overseas transactional banking services – has changed to NAB (previously JP Morgan). The change may affect members who receive or send money from overseas. Skip to content Skip to footer navigation

Menu

Type text to search

* BSB: 806-036 INTERNET BANKING

* Sustainability

* About Us

* Contact

* Apply

* Help Centre

*

* Why Join Us

* Home Loans

* Accounts

* Credit Card

* Personal Loans

* Insurance

* Travel

BSB

806-036

All enquiries

1800 864 864

Phone enquiries are available 8am to 7pm, weekdays, and 9am to 3pm,

Saturday.

Please refer to our contact us/locations page for the opening hours of each of our offices.

FOLLOW US

*

*

*

Search Login

* INTERNET BANKING

* Mobile App

Lock in a fixed rate today At only 3.48% p.a. (4.45% comparison**), there's never been a better time to secure your home loan repayments for 3 years*.

*Conditions apply.

Know more

Help protect your family's future with an Ezicover insurance policy On acceptance your first month's premium will be waived*

*Conditions apply.

KNOW MORE

Get what you want, sooner Enjoy $0 Application3 for a limited time on all our personal loans*

*Conditions apply.

Know more

TAB NAVIGATION

*

Responsible Banking

*

Explore Products

*

ATMs

*

Tools & Calculators

*

RESPONSIBLE BANKING

*

Our approach to responsible banking

*

Corporate Social Responsibility initiatives

*

OUR APPROACH TO RESPONSIBLE BANKING OUR APPROACH TO RESPONSIBLE BANKING At UniBank, social responsibility is built into our very foundations – never bolted on as an afterthought. It affects who we are, what we do and why we do it. And by operating responsibly and sustainably, we’re able to channel our profits into doing good. We call this commitment ‘Feel-Good Wealth,’ and have strong governance in place to make sure our standards are upheld. For more information on how we do business differently, see our section on:

Sustainability

*

CORPORATE SOCIAL RESPONSIBILITY INITIATIVES CORPORATE SOCIAL RESPONSIBILITY (CSR) INITIATIVES Learn more about our ethical banking approach and Corporate Social Responsibility (CSR) initiatives below: ADDRESSING CLIMATE CHANGE We want the next generation to live in a better world. It’s why we invest in social and environmental programs that help create positive change now, for a better tomorrow.

Know more

INVESTING IN THE COMMUNITY We invest in the university community to create opportunities for staff, students and the university education sector to flourish.

Know more

RESPONSIBLE BUSINESS We want to lead by example—for the benefit of our business and our

members.

Know more

*

EXPLORE PRODUCTS

*

Home Loans

*

Bank Accounts

*

Personal Loans

*

Credit Card

*

HOME LOANS

HOME LOANS

Whether you’re buying your first home, investing or renovating, we have a wide range of home loans to suit your needs. OWNER OCCUPIER HOME LOANS

Classic Home Loan

Solutions Plus Home Loan

My First Home Loan

Fixed Rate Home Loan Interest Only Variable Home Loan Flexi Choice Home Loan

INVESTOR HOME LOANS

Fixed Rate Investor Home Loan Flexi Choice Investor Home Loan Interest Only Variable Investors Home Loan ------------------------- Compare all home loan interest rates

*

BANK ACCOUNTS

BANK ACCOUNTS

Our everyday banking accounts, savings accounts and term deposits can help you take control so you have money for today, tomorrow and your

future.

EVERYDAY BANKING

Everyday account

Everyday Direct account

Bill Paying account

SAVINGS ACCOUNTS

Online Savings account Reward Saver account Cash Management account Summer Stash account Pension Advantage account TEEN AND KIDS SAVINGS ACCOUNTS

Everyday account

Mighty Saver account Term deposit account

TERM DEPOSITS

Term deposit account ------------------------- Compare all Bank Accounts

*

PERSONAL LOANS

PERSONAL LOANS

Want to renovate your home? Need a new set of wheels to get you on your way? Whether you’re planning some home improvements, in the market for a new car or simply want to get away on holiday, our personal loans can help. All-Purpose Personal Loan

Travel Loan

Car Loan

Secured New Car Loan ------------------------- Compare all Personal Loans

*

CREDIT CARD

CREDIT CARD

With our low rate credit card, you can make the most of your money—both at home and abroad. Use your credit card for shopping, travelling overseas or even to consolidate other credit or store card

debt.

------------------------- Learn more about our Credit Card

*

ATMS

*

Security tips

*

SECURITY TIPS

PROTECT YOURSELF FROM ATM THREATS Ensure that no one can observe you entering your PIN when using the ATM. To protect your PIN details, cover your hand when entering your

PIN at an ATM.

Be discreet when withdrawing cash at an ATM. If you believe an ATM looks suspicious or has been tampered with, do

not use it.

IMPORTANT CHANGES TO THE REDIATM NETWORK

Learn more

Take the right steps to protect yourself

*

TOOLS & CALCULATORS

*

Home Loan Calculators

*

Personal Loan Calculators

*

Credit Card and Savings Calculator

*

HOME LOAN CALCULATORS HOME LOAN CALCULATORS Make sense of your home loan with our mortgage repayment calculator or use our home loan key facts sheet to learn more about the lending

process.

How much can I borrow? What will the repayments be on my mortgage? Use our home loan key facts sheet How much stamp duty will I pay?

*

PERSONAL LOAN CALCULATORS PERSONAL LOAN CALCULATORS Calculate repayments on a personal loan and see the total cost in interest over that period. What could your personal loan repayments be?

*

CREDIT CARD AND SAVINGS CALCULATOR CREDIT CARD AND SAVINGS CALCULATOR Work out your credit card repayments and how you can save on interest by paying more than the minimum each month. Plus, start planning your financial future by using our savings calculator. CREDIT CARD CALCULATOR What could your credit card repayments be?

SAVINGS CALCULATORS

What could your savings look like? Create a budget planner NEWS AND HELPFUL INFO

* NBN scam warning

* RBA announcement

* Important changes to the rediATM network

* Latest news

* Why choose UniBank? * Find your 2018/19 financial year interest

* Download our app

* Online security tips

* Using Apple Pay

* Student Banking

* How do I change my PIN?

BE IN THE KNOW

Stay up-to-date with Money Matters  for the latest news, product information, promotions, interesting tips and helpful

advice.

Subscribe now

You’ll receive a copy quarterly straight to your inbox. ------------------------- AS A MEMBER YOU'LL ENJOY... When you join UniBank, you’ll own a share in one of Australia’s largest mutual banks. This means, you're not just a customer, you're a shareholder who benefits from our profits with competitive rates, low fees and amazing products and services. * High interest rates on savings accounts * A Mobile lender that comes to you * Low interest rates on loans

Become a member

It only takes a few minutes

Back to top.

FOOTER MENU

PRODUCTS

* Accounts

* Credit Card

* Personal Loans

* Home Loans

* Insurance

* Mobile Wallet

* Travel

CONTACT

* Contact

* Calculators and tools * Complaint resolution

* Apps

* Help Centre

* Financial hardship

ABOUT US

* About Us

* Why Join Us

* Member news & media * Applications and forms

* Money Matters

SOCIAL LINKS

FOLLOW US

*

*

*

BSB

806-036

All enquiries

1800 864 864

Phone enquiries are available 8am to 7pm, weekdays, and 9am to 3pm,

Saturday.

Please refer to our contact us/locations page for the opening hours of each of our offices.

PRIVACY AND SITEMAP

Website terms | Privacy | Security | Financial services guide |

Sitemap

UNIBANK IS A DIVISION OF TEACHERS MUTUAL BANK LIMITED ABN 30 087 650 459 AFSL/AUSTRALIAN CREDIT

LICENCE 238981.

For products and services, conditions, fees and charges

apply. These may

change or we may introduce new features or fees and charges in the future. Full details are available on this website or on request. Lending criteria apply to approval of credit products. This information is general in nature and does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. Read the disclosure documents for your selected product or service, including the Terms and Conditions or Product Disclosure Statement, before deciding. Unless otherwise specified, the products and services described on this website are available only in Australia from or through Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL and Australian Credit Licence 238981. © 2019 Teachers Mutual Bank Limited ABN 30 087 650 459 AFSL/Australian Credit Licence 238981