Product & Services Booklet

Welcome to

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WelcomeWe are excited to welcome you to Bankstown City Unity Bank

– a bank that is member focused and strives to deliver exceptional

service through innovative products, modern technology and

convenience.

This booklet is designed to assist you in making more informed

decisions in regard to fi nancial products and services which are

offered by Bankstown City Unity Bank.

We are 100% owned by our members which means we are not

answerable to fi nancial shareholders.

Instead, we are able to return our surplus funds to our members in

the form of great products, personal service and investment in our

local communities.

If you have any general enquiries about this booklet, or would like

more information about any of our products, please contact our

Member Service Centre on 1300 65 4477.

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24/7 Access

Direct Charge FEE-FREE ATM Access

Access to over 9,700 ATMs Australia wide 24/7. Use your VISA Debit card to check your

balance, withdraw funds and change your PIN at any rediATM.

rediATM (our preferred ATM network)

Look out for your nearest rediATM, there are over 3,000 machines Australia

wide. rediATMs will not charge Bankstown City Unity Bank members the

Direct Charge fee.

Cashcard ATMs

If you can’t fi nd a rediATM, then there is bound to be a Cashcard ATM near

you. There are over 5,500 machines located Australia wide in clubs, retail

outlets, hotels and newsagents.

NAB Bank ATMs

National Australia Bank (NAB) are now part of our Direct Charge

Fee-Free network. There are over 1,200 NAB ATMs across Australia.

To fi nd your nearest Direct Charge Fee-Free ATM visit bcub.com.au

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Banking App

We are thrilled to announce the launch of the new and improved banking app! With an

abundance of new features, banking with our app has never been quicker, easier or more

secure. Now available for iOS and Android smartphones.

Mobile Banking

Mobile banking, ATM locations, contact details, it’s all at your fi ngertips using our FREE

mobile banking facility. Mobile banking lets you bank from the convenience of your mobile

phone anywhere, anytime. Access your balances or transactions easily, instantly and

securely using your mobile phone.

Android / Apple Pay

The convenience of a mobile wallet is now in your hands. Now you can tap and pay with

your phone. Download and add your Bankstown City Unity Bank VISA card to start making

simple, secure purchases today.

Banking Anywhere, Anytime

Internet and phone banking provides secure access to your accounts 24 hours a day,

seven days a week at your convenience whether you are at home or abroad.

4 | Unity Bank Product Book 2017

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VISA Credit Card

Our VISA Credit Card rewards you with the lowest possible interest rate. It also offers you

an interest free period of up to 55 days on every new purchase, saving you money.

Plus you get:

A special interest rate for the fi rst six months

No annual fee for the fi rst year

Additional cardholder’s card at no charge.

VISA Debit Card

Linked to your Access Savings Account, use your own money and still get the

worldwide convenience wherever VISA is accepted. We can also arrange the safety

net of an overdraft facility.

24/7 Access

Debit and Credit Cards

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A loan for every need

Home Loans

Our home loans are available for owner occupiers, investors or to refi nance your current loan

from another fi nancial institution.

Our First Rate Home Loan has no gimmicks, just a straightforward variable rate that

allows you to own your home sooner. There are no ongoing account keeping fees and no

early repayment penalties. You can make the repayments weekly, fortnightly or monthly,

it’s your choice.

Our All in One Home Loan offers greater fl exibility with a complete range of features and

a highly competitive variable interest rate.

This product ticks all the boxes:

100% interest offset facility

NO annual fee on VISA credit card

Discount on home & contents and building insurance

0.25% p.a. bonus interest on term deposits

EXTRA FREE monthly transactions

No monthly account keeping or service fees

Access to our ‘Premium Rate’ for personal loans.

Our Fixed Rate Home Loan gives you peace of mind knowing that your repayments will

stay the same during the fi xed period. Our competitive fi xed rate terms are available for

1, 2, 3 and 5 years and come with a number of optional extras including:

Rate Lock Option (you can choose to lock in the rate at the time of application)

Split Option (have part of your loan fi xed and the rest variable).

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Our First Home Buyers Loan is designed to help you purchase your fi rst property. We’ll

lend up to 95% of the value of the property and will give you a special reduced rate on the

property valuation and legal costs. This loan is only available to applicants who are eligible

for the First Home Owners Grant scheme.

Our Home Equity Line of Credit allows you to borrow against the value of your home for

almost any worthwhile purpose: buying shares, getting a deposit on an investment property,

building an extension, even taking a holiday.

Our Interest Only Loan allows you to repay only the interest on the amount of your loan for

a set term of the loan, ideal for any borrower. This option is great if you intend to build or

occupy the property and renovate – the lower repayments mean you have more to spend

on the renovations.

All of our variable Home Loans come with exclusive benefi ts:

FREE redraw facility

NO early payout penalties

Make extra repayments whenever you like

Fast approval.

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FEATURES ALL IN ONE REWARDS ALL IN ONE

Why choose this loan?A fantastic solution for

all your property needs

Complete fl exibility with

a full range of features

Unlimited extra repayments ✓ ✓

Free redraw ✓ ✓

100% interest offset facility ✓ ✓

No monthly or annual fees ✓

Discount on Personal and Car loans ✓

No annual credit card fee ✓ ✓

Discount on Home Building& Contents Insurance ✓

A loan for every need

Choose Your Home Loan

A full list of features and benefi ts.

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FIRST RATE TIDE YOU OVER FIXED RATE

Great ongoing

variable interest rate

For when you need

just a little extra

Lock in your

great rate

✓ ✓

✓ ✓

✓ ✓ ✓

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A loan for every need

Personal Loans

Our Personal Loans offer superior value and can be used for just about anything

worthwhile. Something for the house, a boat or a caravan, renovating or landscaping, even

a holiday or just consolidating your debts.

It’s all possible with our Personal Loans. You can borrow from as little as $2,000 with

fl exible repayment options to suit your needs.

Car Loans

We offer fi xed or variable loans for new or used cars up to 3 years old. Talk to us in advance

of buying your car and we will pre-approve the loan to help you negotiate a better deal.

Savings Account Overdraft

Think of your Savings Account Overdraft as your fi nancial safety net. It’s linked to your

Access Savings Account, and you can access the funds just as you would access your

Savings Account. An overdraft can help you reduce the possibility of bounced cheques or

rejected transactions and is particularly useful if your pay varies from week to week.

You pay no interest on your overdraft until you use it, and then only on the portion you use.

It’s like having a pre-approved loan ready and waiting.

Special Purpose Loans

The range of Special Purpose Loans consist of reverse mortgages, loans for the self

employed, commercial loans and vehicle and equipment leasing.

These Special Purpose Loans are provided by trusted associate companies. However for

your peace of mind, your point of contact will always be us, thus ensuring that you receive

the standard of service we are well known for.

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Savings and investment accounts

Access Savings Account

This is the account that is automatically opened for you when you join Bankstown City Unity

Bank as a member. It is a transaction account that gives you the widest possible access to

your funds.

You can withdraw cash at ATMs, EFTPOS and Bank@Post, pay bills using BPAY through our

app, mobile, internet or telephone banking, use electronic funds transfer to direct credit your

salary, benefi ts and dividends and pay bills by direct debit.

Bonus Saver

Be rewarded for saving and reaching your goals faster. There are no account keeping fees

and interest is calculated daily and paid monthly. You can simply access your Bonus Saver

account by using our app, mobile, internet or telephone banking.

Power Up eSaver

Enjoy a higher interest rate with 24/7 access to your money via our app, mobile, internet

or telephone banking. It’s easy to apply for and you can start with as little as $1.

Interest is paid monthly.

Pensioner Security Account

An account exclusively for senior members over 55 years of age that gives 24/7 access to

your funds in a variety of ways.

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Christmas Club Account

This account is designed to save for the inevitable budget pressures of the Christmas

and holiday season. Put away some money every pay, and park unexpected windfalls like

your tax refund.

There are no deposit restrictions, but withdrawals can only be made from 1 November to

31 January to remove the temptation of forgetting why you started saving.

Cash Management Account

This account is great for those individuals who require 24 hour access using the

convenience of our app, mobile, internet or telephone banking or direct debit payments

but do not need a cheque book or debit card.

Fixed Term Deposits

A great investment option for funds you don’t need to access for a while. You can invest

a minimum of $1,000 for terms of 3 to 36 months, so you can choose whatever best

suits you.

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Other services

Insurance

We are able to offer you the highest levels of protection at the lowest possible price.

Peace of mind cover is available for motor vehicles, home, home & contents, boat

& pleasure craft, caravans & trailers, landlord, and travel insurance.

Special Term Deposit for Young Members

Our Kick Starter Term Deposit is available only to members aged 14 to 25 years

and has a minimum deposit requirement of just $500. This product has been designed

especially in recognition of the needs of our younger members who are committed to

saving for their future.

Foreign Exchange Services

We are able to offer you a range of foreign exchange services, including Multi Currency

Travel Cards and telegraphic transfers.

Business Banking

We offer a range of banking solutions to help you make managing your business as easy

as possible. These include; payroll services, cheque books, business loans, overdrafts,

internet banking and point of sale terminals.

Financial Planning Advice

We can refer you to a qualifi ed fi nancial planner. A fi nancial planner can help you with

things like retirement planning, tax minimisation and investments. Your fi rst interview and

consultation are free.

Information in this brochure was correct as at 2 June 2017 and is subject to change. For all loans, terms and conditions,

fees and charges and approval conditions apply. Details such as current interest rates, comparison rates, fees

and charges, etc are available on our website www.bcub.com.au or by contacting any branch. The contents of

this brochure do not take into account your personal needs and fi nancial circumstances and therefore you should

consider whether the product is appropriate for you. Bankstown City Unity Bank is a division of Unity Bank Limited

ABN 11 087 650 315 AFSL/Australian Credit Licence 240399. It is recommended that you read the Conditions of Use

Booklet prior to acquiring the product.

Notes

Your member number

Bankstown City Unity Bank Product Book– June 2017

Our Vision

The lifelong fi nancial prosperity, security and dignity of our members.

Our Mission

Unity Bank is a member owned cooperative and fi nancial mutual. We are

100% committed to our members – maritime, mining and power workers, and

the Australian communities we serve. We will always stand by our members,

delivering better all round fi nancial value, service and care for the individual.

1300 65 4477

02 8263 3277

mail@bcub.com.au

bcub.com.au

64 Kitchener Parade Bankstown NSW 2200

PO Box K237 Haymarket NSW 1240

facebook.com/BankstownCityUnityBank @BCUB_AU #BCUB_AU

Bankstown City Unity Bank is a division of Unity Bank Limited ABN 11 087 650 315 AFSL/Australian Credit Licence 240399.