Security

At Unity Bank, we take the protection and security of your information, transaction data and privacy seriously.

As part of our commitment to fraud prevention and detection, our team may call, email or SMS you to confirm a transaction. If you are unsure about the validity of the SMS please call us on 1300 36 2000 during business hours or the Fraud Bureau 1300 705 750 at any time.

We will never ask for your password or account details to be disclosed via a link within an SMS or email message. If you receive an SMS or email of this nature, please delete the message and notify the Bank on 1300 36 2000.

Our Commitment to Your Security and Privacy

The Internet is a vast, largely unregulated, network of computers that spans the world. There are no laws that embrace the Internet in its entirety. The security and protection of your personal information and online transactions is therefore of paramount importance and we have employed a wide range of security measures to help protect this data. These measures extend from data encryption to firewalls to automatic timeouts. Therefore, when you do your banking online with us, you can be assured that your banking is safeguarded and protected.

In addition to this, to safeguard your personal information we have adopted the following communication practices:

• We will never send you a link to Internet Banking via email.
• We will never request that your Internet Banking password or login details be communicated to us in any form.
• We will never ask you to disclose your credit card details or PIN via phone or email.
• Any changes to the web address or to our access sites will only ever be communicated via our authorised website or other formal means.
• We will always identify external links to third party websites; we will make these links explicit so that you can see what you are clicking on.

Furthermore, we will ensure we are always compliant with all online communication legislation and relevant codes of practice. In particular, we will abide by the requirements of the Spam Act 2003 and will ensure that:

• we secure your consent to receiving any commercial electronic messages (as defined by the Spam Act 2003)
• our emails to you contain clear and accurate identification of who is responsible for sending the message, and how they can be contacted
• our emails to you contain an unsubscribe facility, allowing you to indicate that such messages should not be sent to you in the future.

Our Guarantee to You

Furthermore, in the unlikely event that an unauthorised transaction does occur on your account, we guarantee that you will not be liable for any unauthorised transaction carried out (provided you meet your obligations under our Conditions of Use, the ASIC epayments Code and you haven't contributed to the loss).

It's all part of our commitment to you, our members.

If you believe your account has been compromised or if an authorised transaction has occurred on your account, please call us on 1300 36 2000 during business hours or call the Fraud Bureau on 1300 705 750 after business hours.

Your Security, How Can You Play a Part?

As your financial institution, we take the protection of your information and transaction data very seriously.  But online security is a partnership between us (as the provider of online banking services to you) and you (the user of these services).  As such, it's important that you keep informed and take steps to improve your own online security.

Keeping Informed

Technology cannot automatically protect you against all fraud and security risks.  There has been a significant increase in email, SMS and other types of online fraud over the last few years; these scams will continue to increase and we need to ensure that you are aware of this. Things you can do to keep informed:

• See our scam awareness pages, the latest scam alerts and more.
• Visit the Scam Watch government site.

Improving Your Online Security

Equally, technological protection cannot protect you if you are not careful with your personal information. You need to play your part in protecting your information responsibly and in accordance with our terms and conditions.

• Use a complex password for your Internet Banking login/s
• Do not share your password with anyone. However, if you think that someone has accessed your member number/login name) and/or password you should:
  • Login to Internet Banking and immediately change your password
  • Contact us as soon as possible to advise us of what has occurred
• If using a publicly accessible computer (for example, at a library), make sure you log off Internet Banking when you have finished so no one can gain unauthorised access to your accounts
• Do not click on links in SMSes or emails 
• If you receive a suspicious email or SMS purporting to come from a financial institution: 
  • Contact the financial institution on their publicly listed phone number to verify the SMS or email
  • Delete the message immediately and do not click on any links
• See our page for more information about how to improve your online security