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Please find below details of our opening hours and closure times during the holiday season.  Members can access their accounts 24 hours a day, seven days a week via Internet Banking or our Mobile App. To report fraud during this period please email our fraud monitoring team on financialcrimes@unitybank.com.au We would like to take this opportunity to wish all of our members a very merry Christmas and a happy New Year. Service Centre Wednesday 24th December 25th December & 26th December Monday 29th December & Tuesday 30th December Wednesday 31st December Thursday 1st January Call Centre 8.00AM - 4.00PM Closed 8.30AM - 6.30PM 8.30AM - 4.00PM Closed Adelaide Closed Closed Closed Closed Closed Bankstown 10.00AM - 12.00PM Closed 10.00AM - 3.00PM 10.00AM - 12.00PM Closed Bathurst 10.00AM - 12.00PM Closed 10.00AM - 3.00PM 10.00AM - 12.00PM Closed Blayney 10.00AM - 12.00PM Closed 10.00AM - 3.00PM 10.00AM - 12.00PM Closed Brisbane Closed Closed Closed Closed Closed Budgewoi 10.00AM - 12.00PM Closed Closed Closed Closed Collie 9.00AM - 1.00PM Closed 9.00AM - 2.00PM 9.00AM - 1.00PM Closed Eugowra 9.30AM - 4.00PM Closed 9.30AM - 4.00PM 9.30AM - 4PM Closed Fremantle 10.30AM - 12.00PM Closed 10.30AM - 2.30PM 10.30AM - 12.00PM Closed Gulargambone 9.00AM - 5.00PM Closed 9.00AM - 5.00PM 9.00AM - 5.00PM Closed Kandos 10.00AM - 12.00PM Closed 10.00AM - 3.00PM 10.00AM - 12.00PM Closed Lismore 10.00AM - 12.00PM Closed Closed Closed Closed Melbourne (G&C) 10.00AM - 12.00PM Closed Closed Closed Closed Melbourne (Unity) 10.00AM - 12.00PM Closed 10.00AM - 2.00PM 10.00AM - 12.00PM Closed Moranbah Closed Closed Closed Closed Closed Newcastle (G&C) 10.00AM - 12.00PM Closed Closed Closed Closed Newcastle (Unity) 10.00AM - 12.00PM Closed 10.00AM - 12.00PM 10.00AM - 12.00PM Closed Oberon 10.00AM - 12.00PM Closed 10.00AM - 3.00PM 10.00AM - 12.00PM Closed Port Kembla 10.00AM - 12.00PM Closed Closed Closed Closed Sydney Elizabeth St 9.00AM - 12.00PM Closed Closed Closed Closed Sydney Sussex St 10.00AM - 12.00PM Closed Closed Closed Closed Trundle 12.00PM - 4.00PM Closed 9.00AM - 4.00PM 9.00AM - 4.00PM Closed Wagga Wagga (G&C) 10.00AM - 12.00PM Closed Closed Closed Closed Wyong 10.00AM - 12.00PM Closed 10.00AM - 3.00PM 10.00AM - 12.00PM Closed  

With Boxing Day and other seasonal sales just around the corner, online shopping is set to surge, and unfortunately, so is the risk of scams. As the holiday sales approach, the Customer Owned Banking Association (COBA) is urging consumers to remain vigilant. “Scammers often use tactics like creating a sense of urgency to get customers to make immediate decisions and payments. Knowing that pressured shoppers are less likely to spot a scam, criminals deliberately target events like Boxing Day sales,” COBA Head of Financial Crimes and Cyber Resilience Martin Latimer explained. According to ACCC’s Scamwatch, there have been more than $8 million in reported losses from shopping scams in 2025 so far. To help savvy shoppers stay safe, COBA’s financial crimes team share their expert tips on how to spot, and avoid, such scams. Beware of fake websites Scammers often create ‘phantom’ websites that are designed to trick even the savviest shopper. Latimer urges Australians to be extra cautious when browsing online deals, and to double-check the legitimacy of a website before you decide to make any payments. Look out for poor website design and spelling or grammatical errors, as well as a lack of customer feedback or reviews for the seller or product.  “Scammers are experts at creating convincing fake websites that closely resemble legitimate retailers. Pay close attention to the domain name, because even a small typo could mean you're on a scam site,” Latimer advised. Shoppers are urged to verify the site's legitimacy by looking out for a privacy policy, terms and condition, or even contact details - many fake websites don’t include this level of information. If you are shopping on an Australian website, you can use the Australian Domain Authority’s website register to see which company or trademark registered it. Don’t click on unsolicited links Phishing is a tactic criminals use to steal your personal and financial information, such as login credentials or credit card details. Scammers often send unsolicited emails or messages pretending to be legitimate retailers, delivery companies or payment processors, in an attempt to trick shoppers to click on links or download suspicious attachments. “A common phishing tactic is a scammer sending an email or text message about a sale or delivery, urging you to click on a link. These links then lead to fake websites or download malware onto your device,” Latimer explained. “Never open attachments from unknown senders, as they may contain malware. Instead, always go directly to the retailer’s official website.” Use secure payment methods Before making any online purchases, make sure your payment is protected. Check that the website shows “https” and a padlock icon to safeguard your financial information. Latimer added: “Scammers will often encourage you to use untraceable payment methods, like wire transfers or cryptocurrency, so avoid these. Stick to trusted and secure payment methods, which often have built-in buyer protection and fraud prevention features to help safeguard your purchases.” Trust your instincts. If something appears suspicious or too good to be true, it probably is. Need help? If you believe someone has gained access to your bank account and/or personal information, even if the scam appears unrelated to your finances, you should contact your bank immediately. A timely response can be critical. If you have concerns about your account contact us immediately. You can report cybercrime directly to the Australian Cyber Security Centre (ACSC) or National Anti-Scam Centre (NASC) – Scamwatch. Find out how scams work, how to protect yourself, what to do if you’ve been scammed or report a scam to the Australian Competition and Consumer Commission (ACCC) via Scamwatch. Change your passwords and enable two-factor authentication to protect your accounts. As always, we remain committed to your security and privacy online. To understand how we help to keep you safe, please refer to our Security page. For more information on common scams and how to protect yourself, please visit the News section of our website.

From 10 December 2025, some social media platforms will be restricted, by law, to people aged 16 and over. These laws require affected platforms to take reasonable steps to prevent anyone under 16 from creating or holding accounts.  These measures are designed to protect young people from the risks and pressures associated with social media use. Information about the new restrictions is available at eSafety’s social media age restrictions hub. There are 4 potential scams that opportunistic criminals may use to take advantage of these changes. Who’s at risk Young people and their families affected by the new social media age restrictions Social media users What the scams might look like Platform impersonation scamsScammers may pretend to be social media platforms or age verification providers, and ask you to verify your age or risk losing your account. Government impersonation scamsScammers may pretend to be from government or law enforcement, claiming you have breached the new laws and threaten fines unless you provide proof of age. Fake ID scamsScammers may offer fake IDs or access to age-verified accounts for a fee, targeting young people under 16 and their families. ‘Hi Mum’ scamsScammers might impersonate young people aged 16 or older, contacting their parents or guardians to claim they need help verifying their age to use a social media platform. If someone contacts you about the social media age restrictions STOP. Don’t be rushed to share age verification details quickly. Don’t make any payments. No legitimate platforms are requesting payment associated with these laws. CHECK. Make sure the person or organisation you’re dealing with is real. Find out how your social media platforms are communicating with users about the restrictions and how they are verifying users’ ages. You can visit eSafety's frequently asked questions page for more information. PROTECT. If you’ve given any personal information, such as your age or proof of identity, or money to someone you suspect is a scammer act quickly. The What to do if you’ve been scammed page on scamwatch.gov.au has steps you can follow. Need help? If you believe someone has gained access to your bank account and/or personal information, even if the scam appears unrelated to your finances, you should contact your bank immediately. A timely response can be critical. If you have concerns about your account contact us immediately. You can report cybercrime directly to the Australian Cyber Security Centre (ACSC). Find out how scams work, how to protect yourself, what to do if you’ve been scammed or report a scam to the Australian Competition and Consumer Commission (ACCC) via Scamwatch. Change your passwords and enable two-factor authentication to protect your accounts. As always, we remain committed to your security and privacy online. To understand how we help to keep you safe, please refer to our Security page. For more information on common scams and how to protect yourself, please visit the News section of our website.

Every year on 30 November, International Computer Security Day highlights the importance of protecting personal and organisational information in an increasingly digital world. First acknowledged in 1988, the day is now recognised globally by schools, businesses, and communities of all kinds. As our reliance on technology grows, so does our exposure to cyber risks. Personal data, financial details, and business information can all be exploited if not properly secured. International Computer Security Day encourages individuals, organisations, and governments to reflect on their online habits and strengthen their digital defences. Over the past five decades, computers and digital devices have become essential to daily life, from work and study to banking and shopping. This dependence highlights the need for strong security practices and awareness. Cybercriminals continue to exploit vulnerabilities through identity theft, fraud, ransomware, and malicious software. Taking early, preventive measures is crucial to protecting both personal and business data. International Computer Security Day serves as a timely reminder to assess your digital security and put effective safeguards in place. Below are practical actions you can take to enhance your online safety: Use a unique and strong passphrase on every account: A passphrase is a more secure version of a password. Passphrases are hard for cybercriminals to crack, but easy for you to remember.         Create passphrases that are: 15 or more characters Unpredictable: use 4 or more random words. Avoid identifying information such as family names, birth dates or addresses.  Unique: are different for every account. Learn more about how to set secure passphrases at cyber.gov.au Always set up multi-factor authentication (MFA): Enable multi-factor authentication where available to add an extra layer of security to all of your online accounts.  MFA requires two or more proofs of identity to log in to your account MFA adds an extra layer of security Start with setting up MFA on your most important accounts (such as online banking and email accounts) Learn more about how to turn on multi-factor authentication at cyber.gov.au Install all software updates to keep your devices secure: Installing regular updates will keep your devices secure and makes it harder for cyber criminals to access them. Make sure that automatic updates are switched on so that you are notified when an update is available. Learn more about how to update your devices at cyber.gov.au Be cautious of phishing attempts Always verify unexpected text messages, emails, links, and attachments before opening them. Check the sender’s details carefully and confirm the email address or phone number is legitimate. Hover over links to inspect the URL, and if in doubt, open a new browser window and navigate to the website manually rather than clicking the link. Look for spelling errors, urgent language, unusual requests, or unfamiliar sender details. Never provide personal or financial information in response to unsolicited messages. Back up your data Regularly back up important files to a secure location to prevent data loss. Use offline backups (such as an external hard drive) or encrypted cloud storage for added security. Ensure your backups are protected with strong passwords or encryption. Test your backups periodically to confirm they can be restored if needed. This International Computer Security Day, consider taking time to assess your digital habits. Updating passwords, reviewing privacy settings, installing security updates, or educating those around you about safe online behaviour are all meaningful steps toward better protection. Every proactive action contributes to a more secure digital landscape. This day is a prompt to prioritise cybersecurity in our daily lives, ensuring that our personal, professional, and organisational information remains safe in an increasingly digital world. Need help?If you believe someone has gained access to your bank account and/or personal information, even if the scam appears unrelated to your finances, you should contact your bank immediately. A timely response can be critical. If you have concerns about your account mmediately. You can report cybercrime directly to the Australian Cyber Security Centre (ACSC). Find out how scams work, how to protect yourself, what to do if you’ve been scammed or report a scam to the Australian Competition and Consumer Commission (ACCC) via Scamwatch. As always, we remain committed to your security and privacy online. To understand how we help to keep you safe, please refer to our Security page. For information on common scams and how to protect yourself, please visit the News section of our website.    

The Australian Federal Police (AFP)-led Joint Policing Cybercrime Coordination Centre (JPC3) has launched ‘ClickFit’: a national awareness campaign designed to get Australians to stop their scroll, check the warning signs of scams, and protect themselves from cybercrime. Think of 'ClickFit' as a road-safety campaign for the internet: every online user is being urged to slow down, swerve around scam links, emails, and messages, and stay one step ahead of cybercriminals. The campaign promotes safe online behaviour, helps people recognise scams, encourages incident reporting, and supports stronger cyber protection measures. Recent findings suggest too many Australians are not adopting necessary safety measures online and too few are reporting incidents to police when targeted by cybercriminals, with reporting rates in 2024 ranging from 8% for malware to 22% for fraud and scams. According to the Australian Institute of Criminology’s Cybercrime in Australia 2024 report, many victims believed their experience was not serious enough to report or that nothing could be done. Every cybercrime report helps police track criminals, shut down their networks, assist in building intelligence on emerging cyber threats, and prevent other people from being targeted. AFP Acting Commander of Cybercrime Operations Marie Andersson said the message for digital consumers was clear – the online world was incredible, but it was important to develop cyber tools and skills to navigate it confidently and safely. “Research shows our online habits directly impact our risk profile and many Australians overlook simple steps to stay secure online, which can prevent their victimisation,” Acting Commander Andersson said.Real examples: In a recent case investigated by Tasmania Police, a man lost more than $400,000 to a sophisticated cryptocurrency investment scam – despite advice from his bank and police. Acting Commander Andersson said this demonstrated just how convincing and persistent scammers could be. In another case, a mother reported to South Australia Police that she booked a family holiday for four through an online advertisement that appeared reputable, even checking the business had an ABN. However, after paying thousands of dollars for flights and accommodation, she arrived at her destination only to discover the hotel did not exist. Despite Australians rating their tech knowledge highly, many fail to use basic protections such as strong passphrases, multi-factor authentication and regular software updates – a critical gap ClickFit aims to close.Why ClickFit matters Research shows that unsafe online behaviours can significantly increase the risk of being targeted by cybercriminals. However, there are good habits ahead - if you introduce just six steps into your everyday digital routine, this will help protect you from cybercrime, scams, and keep you safe online. This is how you become 'ClickFit'. Get ClickFit: Create strong and unique passphrases for every account. Enable Multi-Factor Authentication. This adds an extra lock on your accounts, even if your password is stolen. Install software updates on phones, apps, and computers to close security gaps. Stay alert to emerging scams and cybercrime trends. Stop and think before you click. Criminals rely on urgency and distraction. Don't rush. Verify the source before you click, call or pay. Call or check directly with the legitimate organisation/trusted source before clicking on a link. Take a moment to reflect on your online habits, have conversations with friends and family about scam safety, and help spread the message, are you ClickFit? Need help?If you believe someone has gained access to your bank account and/or personal information, even if the scam appears unrelated to your finances, you should contact your bank immediately. A timely response can be critical. If you have concerns about your account contact us immediately. You can report cybercrime directly to the Australian Cyber Security Centre (ACSC). Find out how scams work, how to protect yourself, what to do if you’ve been scammed or report a scam to the Australian Competition and Consumer Commission (ACCC) via Scamwatch. As always, we remain committed to your security and privacy online. To understand how we help to keep you safe, please refer to our Security page. For more information on common scams and how to protect yourself, please visit the News section of our website.

Black Friday and Cyber Monday are among the year’s biggest online shopping events, with millions of Australians searching for bargains. While retailers prepare for increased demand, scammers do too, building fake websites, sending phishing messages and placing deceptive ads designed to steal money and personal information. Fraudulent activity typically rises during major shopping periods. Common scams to watch for: AI fake online stores – Professional-looking websites that use deepfake videos, fake reviews, manufactured product images and convincing logos to appear legitimate. Phishing emails and texts – Messages that appear to come from trusted retailers or delivery companies, asking you to “confirm your order” or “track your parcel.” Social media ads – Ads promoting unrealistic prices or fake giveaways that redirect you to malicious sites. Payment scams – Requests for direct bank transfers or cryptocurrency payments instead of secure options like credit cards or PayPal. It’s also important to note that even legitimate retailers may occasionally use misleading promotions, such as limited-time claims that create false urgency, “store-wide” discounts that exclude most products, or “up to X% off” deals where only a small number of items receive the highest discount. The Australian Competition and Consumer Commission (ACCC) is conducting a sweep of retailers to ensure their sales advertising is accurate, transparent, and not likely to mislead or deceive consumers. If you’re planning to shop during the Black Friday and Cyber Monday sales, check prices before promotions begin so you can compare and ensure the discount is genuine.How to protect yourself You can still enjoy the sales, just shop smart: Stick to trusted retailers:- Buy from official brand websites or authorised sellers. Check URLs carefully:- Look for subtle spelling differences, extra characters or unusual domain names. Recognise fake website: AI generated images and videos can show unnatural facial expressions, inconsistent lighting, blurred lip movements. Verify the legitimacy by checking the contact details. Avoid clicking on suspicious links: Type the retailer’s URL directly or use a bookmark instead of following links from emails, texts or social media. Use secure payment methods: Credit cards and PayPal generally offer better buyer protection than direct bank transfers or cryptocurrency if something goes wrong. Be wary of offers that seem too good to be true: They usually are. Don’t succumb to pressure: Don’t let countdown timers or low stock pressure you into buying. Verify social media offers: Don’t rely solely on celebrity videos or influencer posts, check the retailer’s official channels. Black Friday and Cyber Monday sales can provide a great opportunity to save on your purchases, but it’s also a prime time for scammers. Take a moment to double-check before you click, buy, or share any personal information. A few seconds of caution can save you from weeks of stress and financial loss.Need help?  If you believe someone has gained access to your bank account and/or personal information, even if the scam appears unrelated to your finances, you should contact your bank immediately. A timely response can be critical. If you have concerns about your account contact us immediately. You can report cybercrime directly to the Australian Cyber Security Centre (ACSC). Find out how scams work, how to protect yourself, what to do if you’ve been scammed or report a scam to the Australian Competition and Consumer Commission (ACCC) via Scamwatch. Change your passwords and enable two-factor authentication to protect your accounts. As always, we remain committed to your security and privacy online. To understand how we help to keep you safe, please refer to our Security page. For more information on common scams and how to protect yourself, please visit the News section of our website.