Support

What is Unity Bank’s routing number?

The routing number for Unity Bank is 091808363.

How can I find my account number?

• Log into the Unity Bank mobile app.
• On the home page, click on the account in the upper left corner of the mobile page, below the shortened displayed account number.
• Click on the eye icon to display your complete account number.

How can I update my mailing address, phone number, or email address?

If you are requesting a change of your mailing address, please contact your local branch.

See instructions below of how to update phone number(s), email address, password, etc.

• Log into online banking
• Click on Profile tab at the top of the online banking home page

Profile page will allow you to change the following information:

• Password
• Challenge Questions
• Email
• Security Challenge – update phone number to receive a one-time passcode
• Phone
• Address – View only – contact your local branch to update your mailing address
• Electronic statements

How can I check my account balance?

Telephone Banking:
Dial 833-552-0678. Follow the prompts and input your account number and pin number when requested. If it is your first time using telephone banking, follow the prompts to set up a telephone banking pin number. 

Mobile App-Instant Balance is a great feature to view our account balance without having to login 

• Log into the mobile app.
• Tap “More” at the bottom of the screen.
• Go to Settings and select Instant Balance.
• On the Instant Balance Settings page select the account(s) that you would like to be able to see the balance from the mobile app login screen.
• Click Save. After logging out and back in, Instant Balance will appear above your user name.
  • If you do not see an account, repeat the steps to select the account you are not able to view a balance.

How do I access my statements?

To access account statements follow the below steps" 

• Log into online banking
• Click on the account you want to look at your monthly statement
• Click on the Documents tab
• Select Document Type – Estatements
• Date Range – Select the date range of the statement you are choosing to view
• Click Submit
• Click on the statement that you are choosing to view

You can save the document to a folder on your computer, or you can print out the statement if you choose to do so.

*Note, statements are not available on the mobile app

What are the current CD Rates?

We offer many rates and terms that will fit into your savings plans. View our current CD specials here. Connect with a personal banker to learn more. 

How can I close my account?

The bank prefers customers to close accounts in person or with written communications. However, if coming into the bank is not possible, please contact a bank employee at the branch.

How can I order checks?

If you have previously ordered checks through Unity Bank you can reorder checks here: Main Street Check Order

For first time check orders, please contact your local branch or our Customer Care Team at 877-889-6847. 

Where can I find tax forms? 

Tax forms are mailed to customers at the address on file. 

• 1099-INT: Interest that is earned on DDA or CD accounts (not IRAs) that have a combined total of $10.00 and greater. Customers will receive one 1099-INT for all their interest earned. Provided to customers by January 31st.
• 1098: Customers will receive a 1098 for any interest they pay on a qualifying mortgage loan. For each qualifying loan that the customer has paid $600.00 or more, they will receive a 1098 tax form. Provided to customers by January 31st.
• 1099-R: Customers that have taken a distribution from their Traditional, Roth, or SEP IRA during the tax year, will receive a 1099-R. Provided to customers by January 31st.
• 1099-SA: These report any distributions taken from a customer’s HSA account during the tax year. Provided to customers by January 31st.
• 1099-Q: These report any distributions taken from a customer’s Coverdell Education Savings Account (CESA) during the tax year. Provided to customers by January 31st.
• 5498: For any contributions made to a Traditional, Roth, or SEP IRA. Since customers have until April 15th of the following year to make contributions for the prior year, the forms are not due to customers until May 31st.
• 5498-SA: For any contributions made to an HSA. Since customers have until April 15th of the following year to make contributions for the prior year, the forms are not due to customers until May 31st.
• 5498-ESA: For any contributions made to a Coverdell Education Savings Account (CESA). Since customers have until April 15th of the following year to make contributions for the prior year, the forms are not due to customers until May 31st.

Can I make an ATM deposit?

Yes, you can make an ATM deposit at these Unity Bank locations:  Augusta, Crosby, Edina, Genola/Pierz, Mentor, Polson, Red Lake Falls, Rush City, Staples, and Thief River Falls.

How can I find information about specific branches?

Visit our Locations page for branch locations and hours.

How do I activate my debit card?

Unity Bank Debit Card are activated using a Phone automated system. Note, activation must be completed within 90 days of the date was issued

• Call # 866-661-8548 – Card Self Service
• Enter card number as it appears on your card, followed by #
• Enter 3-digit security code on the back of your card
• Enter Primary cardholder’s 5-digit zip code
• Enter 4 last digits of primary cardholder’s social security number
• Enter primary cardholder’s 10-digit phone number
• Enter the four digit pin you would like to use with the card

What are the transaction limits on my debit card?

Unity Bank debit cards come with standard 1-day transaction limits. For consumer debit cards, point-of-sale transactions, the transaction limit is $1,000 per day. For ATM withdrawals, the transaction limit is $500 per day. For business debit card, point-of-sale transactions, the transaction limit is $1,000 per day. Business debit cards have no ATM access. 

If you need a temporary or permanent increase to your transaction limit, please contact your branch or our Customer Care Team at 877-889-6847. 

What should I do if my debit card is lost or stolen? 

1. Lock your Card via the Mobile Banking App 

• Log into mobile app
• Click on Cards at the bottom of the page
• On the Card is On – tap the red button, you will be asked are you sure you want to turn your card off.   Click Yes.  Card is Off will display on your screen

2. Report the Card as Lost/Stolen 

• Monday – Friday 8:00 am – 6:00 pm CST and Saturday 9:00 am – Noon CST call 877-889-6847
• Report lost or stolen debit card after normal business hours – call 800-472-3272

How can I set my debit card for travel?

If you are planning on traveling outside the country please follow the below instruction. For travel within the United States, no travel plan in required. 

• Log into mobile app
• Click on Card at the bottom of the page
• Scroll down to Manage Card section – Click on Manage Travel Plans
• Click Add Travel Plan
• Select how you would like to receive the Security Token – Click Next
• Enter Security Token number – Click Submit
• Enter Traveling to Destination – Search for country – Click Save
• Travel Dates – Enter Date of Departure and Date of Return – Click Submit
  • *For travel dates more then 10 days, you will need to call your local branch for assistance.

*Please contact the branch to submit a travel request for the following countries: Afghanistan, Albania, Barbados, Bolivia, Brazil, Cayman Islands, China, Colombia, Democratic Republic of the Congo, Dominican Republic, Egypt, Gibraltar, Guyana, Haiti, Iran, Iraq, Jamaica, Jordan, Korea, Mali, Mexico, Mozambique, Nigeria, Panama, Philippines, Russia, Rwanda, Senegal, South Africa, South Sudan, Syria, Taiwan, Tanzania, Togo, Trinidad and Tobago, Uganda, Ukraine, Yemen 

How can I view my account balance through online banking?

Log into online banking.

All account balances will be displayed on the home page.

How can I find out if a check has cleared my account?

To see if a check has cleared your account follow the below steps: 

• Log into online banking.
• Click on the account the check was written on.
• In the Search Transactions on the right side of the screen, enter the Amount, Check Number and/or date of the check – Click Search
• Check will be displayed in the Transactions listing
  • If the check does not display by using the Search Transactions option
  • Click on the Description heading to sort the Transactions description and scroll down to the checks section to view all of the checks that have cleared your account.
• Click on the check number in the Description column
• The check image will display the front and back of the check

How can I find the amount of a deposit?

To find the amount of a deposit follow the following steps: 

• Log into online banking
• Click on the account the deposit was made into
• Scroll to the date the deposit was completed or enter the date of the deposit in the Search Transactions and Click Search

How can I check my direct deposit or Social Security deposit?

View deposits in the Mobile Banking app or Online Banking.

• Log into online banking
• Click on the account the deposit was made into
• Scroll to the date the deposit was completed or enter the date of the deposit in the Search Transactions and Click Search

Can I transfer money between accounts in Online Banking? 

Yes! Money can be transferred in between accounts using the following steps: 

• Log into online banking – https://www.unitybanking.com
• Click on Transfer tab at the top of the Home page
• Select the From Account
• Select the To Account
• Enter Date – you do have the option to schedule a recurring transfer if you choose to do so
• Enter Amount
• Enter a brief description if needed
• Click Preview Transfer
• Review transfer information, if correct Click Complete Transfer

How do I use online bill pay?

Bill Pay has many capabilities to have streamline your finances! 

• Log into online banking
• Click on Bill PayOptions within our bill pay system include
  • Payment Center – where you can setup your biller accounts and schedule your monthly payments like your cellphone bill, credit card bill, car payment, insurance premium, etc.
  • Activity – this option will show you the previous months bills that were paid
  • Send Money with Zelle – this option allows you to send money to friends and family immediately
  • Accounts – this option is where you can see your bank accounts that you can use to pay your monthly bills
  • Profile – this option allows you to view your personal information
  • Help Center – this option includes great questions and answers to our bill pay system.  A Bill Pay FAQs, Payments, eBills, AutoPay and Reminders

More questions? Reach out to one of our friendly Unity Bankers!

How can I reset my password for online banking?

Use the "Forgot Password" option in online banking or the mobile app, and input the following information: 

• Username
• Last 4 of your Social Security Number 
• Email Address

The temporary password will be sent to the email address you have on file with Unity Bank. The temporary password is valid for 30 minutes once received. If you do not receive a temporary password, please contact our Customer Care Team at 877-889-6847. 

How do I unlock my online banking profile?

If you online banking profile becomes locked. Please contact our Customer Care Team at 877-889-6847. Our Online Banking profile lock after three failed attempts to prevent any suspicious activity or fraud.

*Tip-Set up alerts in online banking to notify you when your profile is locked.

How can I enroll or re-enroll in online banking?

If you are enrolling in online banking for the first time navigate to the home page of www.unitybanking.com.

• On the home page – Click on First Time User
• Enter Type of Account – If you only have a savings account use Checking for type of account
• Enter Account Number
• Enter your Social Security Number
• Enter Date of Birth
• Enter Email Address (Note: this must match what Unity Bank has on file) 
• Enter Confirm Email Address

Click Enroll

• Enter Username
• Enter Password
• Enter Confirm Password

Select Terms and Conditions document to obtain the Confirmation Code for your terms and conditions document

• Close document and Accept Terms and Conditions
• Enter Terms and Conditions number

Click Continue

You are now enrolled in online banking and are able to see all of your accounts.  If you don’t see a specific account that you are a primary or secondary owner on, please call Customer Care Team for assistance at 877-889-6847. 

Does my online banking profile expire? 

For security reasons, our online banking profiles expire after 1 year of inactivity. If you have not logged into online banking in over 1 year, Click the First-Time user link to re-enroll in online banking 

What is the password requirement for Online Banking?

9 characters long
1 capital letter
1 lower case letter
1 number
1 special character

How do I enroll in mobile banking?

Before logging into the mobile banking app, enroll in online banking at www.unitybanking.com. Then download the Unity Bank mobile app from the Google Play Store or Apple Store. Log in with the same online banking credentials you used on the website. 

How do I enroll in mobile deposit?

On the bottom of the Mobile Banking app screen click on Mobile Deposit. Click OK on Exit to current application

• Enter Name, Phone Number, Email Address
• Review and accept the Mobile Deposit Terms and Conditions 
• Click Submit
  • You will receive an email confirmation once your mobile deposit application has been reviewed.  Allow at least 1 business day for review of your mobile deposit application.
  • The email will include specific instructions on how to endorse your mobile deposit check.

How do I use Zelle for money transfers?

Log into the mobile app and follow the instructions for sending money with Zelle, including adding new contacts and completing transactions. Visit our Zelle page for more information.

How can I request a lien release?

To request a lien release, please contact your local branch or call our Customer Care Team at 877-889-6847. 

How can I manage my loans?

For balance, payoff amounts, new or renewal requests, and payment amounts, contact our loan department at 877-889-6847.

What is Cash Management and how can it assist me?

Cash Management typically assists business customers. Find more information and contact details on the Cash Management page.

What should I do if I suspect fraud on my account?

Contact us immediately at 877-889-6847 regarding account fraud, check fraud, debit card fraud, or Zelle fraud.

How can I submit a complaint or celebrate excellent service?

We love to hear from our customers regarding your experience. Visit our customer feedback page.

How can I schedule an appointment?

Use the online appointment scheduler on our website to choose the branch, type of assistance, and preferred date and time.