If you are over 65 years of age, under 18 years of age, registered as a full-time student or you have a home loan with us then you will benefit from some fee exemptions as detailed below.

^Includes Debit Mastercard transactions, automatic payments, direct debits/credits, and bill payments. Electronic transactions do not include overseas Debit Mastercard transactions or transactions made in New Zealand with a merchant that processes payments overseas. Some transactions may still be processed overseas even if the merchant’s website ends in “.co.nz” or charges in New Zealand Dollars (NZD). If the payment is processed overseas, the “International Transaction Fee” will apply (see Debit Mastercard fees below for details). If you are unsure where a payment is processed, please check with the merchant. There is no Electronic Transaction Fee of .35c for transferring from your Unity account to another members Unity account.
*Staff-assisted transactions include withdrawals, internal transfers, external payments and one-off statement requests handled by our staff in branch, by phone or by email. See over the page for charges.
^#Free with an Everyday unlimited account only.

Everyday account: electronic transaction fees (excluding international Debit Mastercard transactions) and account management fees are charged at the end of the month.

Bill Pay account: electronic transaction fees are charged on the day.

All other fees are charged on the day of the transaction.

• All internal transfers between Unity accounts using mobile banking and internet banking are free.
• Set up and amend recurring transactions/payments using internet banking or mobile banking.
• If you need some cash, ask to withdraw some money when making a payment with your Debit Mastercard (note: you will need to insert and enter your PIN to avoid any merchant fees for contactless payment)

^Includes Debit Mastercard transactions, automatic payments, direct debits/credits, and bill payments. Electronic transactions do not include overseas Debit Mastercard transactions or transactions made in New Zealand with a merchant that processes payments overseas. Some transactions may still be processed overseas even if the merchant’s website ends in “.co.nz” or charges in New Zealand Dollars (NZD). If the payment is processed overseas, the “International Transaction Fee” will apply (see Debit Mastercard fees below for details). If you are unsure where a payment is processed, please check with the merchant. There is no Electronic Transaction Fee of .35c for transferring from your Unity account to another members Unity account.

^Includes Debit Mastercard transactions, automatic payments, direct debits/credits, and bill payments. Electronic transactions do not include overseas Debit Mastercard transactions or transactions made in New Zealand with a merchant that processes payments overseas. Some transactions may still be processed overseas even if the merchant’s website ends in “.co.nz” or charges in New Zealand Dollars (NZD). If the payment is processed overseas, the “International Transaction Fee” will apply (see Debit Mastercard fees below for details). If you are unsure where a payment is processed, please check with the merchant. There is no Electronic Transaction Fee of .35c for transferring from your Unity account to another members Unity account.

^Includes Debit Mastercard transactions, automatic payments, direct debits/credits, and bill payments. Electronic transactions do not include overseas Debit Mastercard transactions or transactions made in New Zealand with a merchant that processes payments overseas. Some transactions may still be processed overseas even if the merchant’s website ends in “.co.nz” or charges in New Zealand Dollars (NZD). If the payment is processed overseas, the “International Transaction Fee” will apply (see Debit Mastercard fees below for details). If you are unsure where a payment is processed, please check with the merchant. There is no Electronic Transaction Fee of .35c for transferring from your Unity account to another members Unity account.

^Includes Debit Mastercard transactions, automatic payments, direct debits/credits, and bill payments. Electronic transactions do not include overseas Debit Mastercard transactions or transactions made in New Zealand with a merchant that processes payments overseas. Some transactions may still be processed overseas even if the merchant’s website ends in “.co.nz” or charges in New Zealand Dollars (NZD). If the payment is processed overseas, the “International Transaction Fee” will apply (see Debit Mastercard fees below for details). If you are unsure where a payment is processed, please check with the merchant. There is no Electronic Transaction Fee of .35c for transferring from your Unity account to another members Unity account.

^Includes Debit Mastercard transactions, automatic payments, direct debits/credits, and bill payments. Electronic transactions do not include overseas Debit Mastercard transactions or transactions made in New Zealand with a merchant that processes payments overseas. Some transactions may still be processed overseas even if the merchant’s website ends in “.co.nz” or charges in New Zealand Dollars (NZD). If the payment is processed overseas, the “International Transaction Fee” will apply (see Debit Mastercard fees below for details). If you are unsure where a payment is processed, please check with the merchant. There is no Electronic Transaction Fee of .35c for transferring from your Unity account to another members Unity account.

^Includes Debit Mastercard transactions, automatic payments, direct debits/credits, and bill payments. Electronic transactions do not include overseas Debit Mastercard transactions or transactions made in New Zealand with a merchant that processes payments overseas. Some transactions may still be processed overseas even if the merchant’s website ends in “.co.nz” or charges in New Zealand Dollars (NZD). If the payment is processed overseas, the “International Transaction Fee” will apply (see Debit Mastercard fees below for details). If you are unsure where a payment is processed, please check with the merchant. There is no Electronic Transaction Fee of .35c for transferring from your Unity account to another members Unity account.

^Includes Debit Mastercard transactions, automatic payments, direct debits/credits, and bill payments. Electronic transactions do not include overseas Debit Mastercard transactions or transactions made in New Zealand with a merchant that processes payments overseas. Some transactions may still be processed overseas even if the merchant’s website ends in “.co.nz” or charges in New Zealand Dollars (NZD). If the payment is processed overseas, the “International Transaction Fee” will apply (see Debit Mastercard fees below for details). If you are unsure where a payment is processed, please check with the merchant. There is no Electronic Transaction Fee of .35c for transferring from your Unity account to another members Unity account.

^Includes Debit Mastercard transactions, automatic payments, direct debits/credits, and bill payments. Electronic transactions do not include overseas Debit Mastercard transactions or transactions made in New Zealand with a merchant that processes payments overseas. Some transactions may still be processed overseas even if the merchant’s website ends in “.co.nz” or charges in New Zealand Dollars (NZD). If the payment is processed overseas, the “International Transaction Fee” will apply (see Debit Mastercard fees below for details). If you are unsure where a payment is processed, please check with the merchant. There is no Electronic Transaction Fee of .35c for transferring from your Unity account to another members Unity account.

*Withdrawals and transfers made between 1 February - 31 October, through any channel, will incur a $10 fee which will be charged on the day.

*Loyalty saver existing accounts only, no new accounts can be opened.

^Includes Debit Mastercard transactions, automatic payments, direct debits/credits, and bill payments. Electronic transactions do not include overseas Debit Mastercard transactions or transactions made in New Zealand with a merchant that processes payments overseas. Some transactions may still be processed overseas even if the merchant’s website ends in “.co.nz” or charges in New Zealand Dollars (NZD). If the payment is processed overseas, the “International Transaction Fee” will apply (see Debit Mastercard fees below for details). If you are unsure where a payment is processed, please check with the merchant. There is no Electronic Transaction Fee of .35c for transferring from your Unity account to another members Unity account.

^Where Unity incurs a charge from another organisation when acting on a member’s behalf, Unity Credit Union will pass these costs on to the member.

Due to the nature of these charges the exact cost will not be known until the time of application. Examples of such cost include, but are not limited to, legal costs and disbursements or costs associated with the registration, variation and discharge of securities. If you would like further information about these possible charges, please contact us on 0800 229 943.

*If you repay part or all of your fixed-rate home loan early e.g. during the fixed-rate period, an Early Repayment fee (also known as a break fee) may apply. This fee reflects the loss we may incur when a fixed-rate loan is repaid early and is calculated in line with your loan agreement.

Where Unity incurs a charge from another organisation when acting on a member’s behalf, Unity will pass these costs on to the member. Due to the nature of these charges, the exact cost will not be known until the time of application. Examples of such costs include, but are not limited to, legal costs and disbursements or costs associated with the registration of securities. If you would like further information about these possible charges please contact us on 0800 229 943.