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.
Everyday account management | Electronic transactions | Staff-assisted transactions | |
Over 65 | FREE | FREE | |
Under 18 | N/A | FREE | FREE |
Student | FREE | FREE | FREE |
Home loan | FREE |
Electronic transactions include Debit Mastercard, automatic payments and direct debits. Fees detailed further down the page will still apply. Withdrawal fees for Christmas saver and Loyalty saver will still apply. Staff assisted transactions include withdrawals and transfers handled by our staff in branch, by phone or by email. The account management fee for Everyday unlimited will still apply.
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.
Everyday account fees | |
Account management (per month) | $3.50 |
Electronic (per transaction) includes APs and DDs | 20 free/month then 35c each |
Unity ATM | no charge |
Other ATM* | $1 |
Staff assisted transactions** |
$3.00 |
*$1 ATM fee is charged at any ATM for each withdrawal, balance enquiry and decline. Normal transaction fees also apply. ATM provider fees may also apply.
**Staff assisted transactions include withdrawals and transfers handled by our staff in branch, by phone or by email.
Everyday Unlimited account fees | |
Account management (per month) | $12 |
Electronic (per transaction) includes APs and DDs | no charge |
Unity ATM | no charge |
Other ATM* | $1 |
Staff assisted transactions** | $3 |
*$1 ATM fee is charged at any ATM for each withdrawal, balance enquiry and decline. Normal transaction fees also apply. ATM provider fees may also apply.
**Staff assisted transactions include withdrawals and transfers handled by our staff in branch, by phone or by email.
Freedom account fees | |
Account management (per month) | no charge |
Electronic (per transaction) includes APs and DDs | no charge |
Unity ATM | no charge |
Other ATM* |
$1 |
Staff assisted transactions | no charge |
*$1 ATM fee is charged at any ATM for each withdrawal, balance enquiry and decline. Normal transaction fees also apply. ATM provider fees may also apply.
Bill Pay account fees | |
Account management (per month) | no charge |
Electronic (per transaction) includes APs and DDs | 35c |
Unity ATM | n/a |
Other ATM* |
n/a |
Staff assisted transactions** | $3.00 |
*$1 ATM fee is charged at any ATM for each withdrawal, balance enquiry and decline. Normal transaction fees also apply. ATM provider fees may also apply.
**Staff assisted transactions include withdrawals and transfers handled by our staff in branch, by phone or by email.
Everyday saver fees | |
Account management (per month) | no charge |
Electronic (per transaction) includes APs and DDs | 35c |
Unity ATM | no charge |
Other ATM* |
$1 |
Penalty withdrawal fee | n/a |
Staff assisted transactions** | $3 |
*$1 ATM fee is charged at any ATM for each withdrawal, balance enquiry and decline. Normal transaction fees also apply. ATM provider fees may also apply.
**Staff assisted transactions include withdrawals and transfers handled by our staff in branch, by phone or by email.
Online saver fees | |
Account management (per month) | no charge |
Electronic (per transaction) includes APs and DDs | 35c |
Unity ATM | n/a |
Other ATM* |
n/a |
Penalty withdrawal fee | n/a |
Staff assisted transactions** | $3.00 |
*$1 ATM fee is charged at any ATM for each withdrawal, balance enquiry and decline. Normal transaction fees also apply. ATM provider fees may also apply.
**Staff assisted transactions include withdrawals and transfers handled by our staff in branch, by phone or by email.
Kids saver fees | |
Account management (per month) | no charge |
Electronic (per transaction) includes DDs | no charge |
Unity ATM | n/a |
Other ATM |
n/a |
Penalty withdrawal fee | n/a |
Staff assisted transactions | no charge |
Christmas saver fees | |
Account management (per month) | no charge |
Electronic (per transaction) includes APs and DDs | n/a |
Unity ATM | n/a |
Other ATM |
n/a |
Penalty withdrawal fee (per withdrawal) | $10 (Free Nov - Jan) |
Staff assisted transactions** |
$3 (Free Feb - Oct) |
**Staff assisted transactions include withdrawals and transfers handled by our staff in branch, by phone or by email.
Loyalty saver fees | |
Account management (per month) | no charge |
Electronic (per transaction) includes APs and DDs | n/a |
Unity ATM | n/a |
Other ATM | n/a |
Penalty withdrawal fee | $10 |
Staff assisted transactions** | n/a |
^Loyalty saver existing accounts only, no new accounts can be opened
**Staff assisted transactions include withdrawals and transfers handled by our staff in branch, by phone or by email.
ATM transactions | |
Unity ATM | No charge |
Other bank ATM - withdrawal, balance enquiry and decline | $1 per transaction |
Automatic Payment (AP) and Direct Debit (DD) | |
Set up or amend via a staff member | $5 |
Loan payment account | No account or transaction fees apply |
TD connect account | No account or transaction fees apply |
Bank branch transactions | |
Limited services are provided to customers via Westpac: | |
Deposit at bank | $2.50 |
Cash handling at bank | 25c per $100 or part thereof |
Debit Mastercard® | |
New card (including joint) - first card only | Free |
New/replacement card | $10 each |
Debit Mastercard® - Overseas transactions | |
Overseas ATM transaction | $7 NZD per transaction |
Overseas EFTPOS transaction | 80c NZD per transaction |
Debit Mastercard® foreign currency fee (on the $NZD value of the transaction) | 2.25% per transaction |
Statements | |
Paper statements | $3.50 each |
Interim/replacement statements | $2 per page |
Approval | $75 |
Direct Debit honour fee - charged for: (a) an unauthorised overdraft; or (b) exceeding approved overdraft limit |
$17 |
Dishonoured payments | |
Direct Debit dishonour fee | $20 |
Rejected external or internal AP | $10 |
Personal loans | |
Approval | $200* |
Approval – where fully secured by shares | Free |
Home loan fee | |
Approval | $0 |
Early repayment of fixed term loan | $30 plus any costs |
Prepare mortgage/caveat discharge forms | $100 |
Default and other fees (includes overdraft defaults) | |
Reminder letter | $20 |
Repossession warning notice administration | $50 per notice |
Repossession warrant administration | $100 per warrant |
Debt recovery agent visit | As per invoice |
Property law notice administration | $350 per notice |
Post-repossession fee | $100 |
*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 cost 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.
Dormant account fee | $50 per year |
If a member account is inactive (no deposits or withdrawals) for more than one year and cannot be located, this account is treated as dormant and a fee of $50 is charged for the transfer to dormancy and each subsequent year of inactivity. Where possible, reasonable action is taken to contact affected members to reactivate their account. | |
Transaction search, recovery requests, debit card enquiries and disputes | $15 per enquiry |
Debit card recurring payments cancellation | $15 each |
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.
The product issuer is Unity Credit Union, trading as Unity. T&Cs apply. Lending approval fees and other fees apply. All variable interest rates, fees and returns are subject to change without notice. The Product Disclosure Statement and other important information is available here or on request from Unity. Unity savings are shares secured by a first ranking security over Unity’s assets.
Phone: 0800 229 943
Email: enquiries@unitymoney.co.nz