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From 30 September 2025, our deposit service, provided in partnership with ANZ, will be discontinued and ANZ will no longer accept cash or cheque deposits for Unity Bank and G&C Mutual Bank accounts. This change is due to ANZ no longer being able to offer this service to our members. We understand this may be inconvenient and want to make this transition as smooth as possible. Alternative ways to continue banking We want to support members through these changes, and this includes ensuring you are aware of the alternative options to cash and cheque deposits available to you, including: Mobile Banking Online Banking Bank@Post Staff assisted transactions Frequently asked questions   Q. What services will be discontinued? A. Services being discontinued are cash and cheque deposits at an ANZ branch. Members can continue to make deposits using their Visa Debit or Credit Card at a Bank@Post outlet or at one of our Service Centres. Q. What do I need to do? A. Please destroy any remaining ANZ deposit books by 30 September, as they will no longer be accepted. Q. How can I deposit cash into my account after 30 September? A. Members can make deposits into their account at one of our Service Centres or by using their Visa Debit or Credit Card at a Bank@Post outlet. Q. Is Online Banking and the Mobile App secure? A. Both Online Banking and our Mobile App are secure ways of managing your banking. We are committed to your security and privacy online and have employed a wide range of security measures to help you bank online in a safe and secure environment. For more information about these security measures visit our Online Banking Security page. Q. Why are ANZ deposit services being discontinued? A. ANZ has advised us that from 30 September 2025, they will no longer accept cash and cheque deposits at their branches from our members. This decision was not able to be changed, and regrettably there are no alternative arrangements available with any other major bank. Q. Why wasn’t a replacement service arranged with another major bank? A. Major banks have moved away from third-party cash and cheque deposit services for commercial reasons.

As part of our ongoing commitment to strengthening member security, we’re making an important change to how we send you alerts via SMS messages.What’s changing? Currently, SMS messages you receive from us come from an alphanumeric sender ID (alpha tag), displayed as Unity_GCMB. From 2 September, these messages will also be sent from a dedicated mobile number. Members will receive a pop up in our Mobile App or an SMS with the new dedicated mobile number. We recommend saving this dedicated mobile number in your contacts list as Unity_GCMB in order to easily identify alerts from us related to your banking.Why the change? This update allows you to reply directly to SMS messages when needed, enhancing communication and improving your ability to respond quickly and securely.What you can expect Some SMS messages you currently receive from Unity_GCMB will be sent from our new mobile number. Situations include: One-Time password (OTP) prompts Banking system notifications Alerts triggered by our fraud detection system What happens if suspicious activity is detected? If a transaction is flagged by our fraud monitoring system, you may receive a message asking you to confirm whether the transaction is authorised. Requesting a Yes or No response, accompanied by a provided verification code to confirm that the transaction is legitimate. E.g. ‘Yes 626076’. Things to remember We will never ask you for sensitive information like an access code, SMS One-Time Password or your Online Banking password We will never include links in our messages We will only ask you for yes or no responses or ask you to contact us. If you have any questions or concerns, please contact our Member Services team.For more information on other fraud monitoring practices and how we’re working to keep members safe, please visit our Security page.Unity Bank Date: 20/08/2025

On Tuesday 12 August 2025, the Reserve Bank of Australia (RBA) announced a decrease of 0.25%p.a. to the official cash rate. Following this, we have reviewed the interest rates applicable to our variable rate home loans and advise that the rates for existing mortgage holders will decrease by 0.25%p.a., effective from 1 September 2025. Members will see their new interest rate and repayment details in their account transaction history in Online Banking and our Mobile App on 1 September 2025. Our variable rate savings accounts will decrease by 0.25%p.a., effective from 25 August 2025. Whilst changes to the RBA cash rate is one of the factors that informs our pricing decisions, there are other factors that we consider such as economic and market conditions, cost to lend and the competitor landscape. This helps us to assess and to continue to offer competitive rates to our members. If you would like further information on any of our products or services, please review the information on our website or contact us to see how we can help.

August 7 is National Aged Care Employee Day, a time to recognise and celebrate the dedication, compassion, and commitment of aged care workers across the country. We see this day as an important opportunity to show our appreciation for the individuals who play such a vital role in supporting our communities. Standing with our key workers Aged care employees are an important part of our communities, providing essential care and dignity to some of the most vulnerable Australians. We proudly support aged care workers through our membership, partner networks, and tailored financial services, recognising them as a vital part of our broader key worker community. As a mutual bank, our mission is driven not by profit, but by people. That means backing essential workers with products and services designed to ease financial stress and help them thrive, like our Essential Worker Home Loan, created specifically for those in caring and community service roles. Values-based banking that makes a difference Our support for aged care employees reflects our values-based approach to banking, one guided by integrity, fairness, and a commitment to social impact. We believe financial services should be a force for lasting positive change, benefiting not only individuals but the broader community. That’s why we continue to back initiatives that uplift essential workers and invest in those who give so much. Being named the 2024 Finder Innovation Award winner in the Social Impact Innovation category is a testament to our dedication to developing products and services that go beyond expectations, delivering real, meaningful support where it’s needed most. Environmental, Social & Governance (ESG) in action Our Environmental, Social, and Governance (ESG) strategy reinforces our focus on social responsibility and community wellbeing. Supporting aged care workers sits firmly within our social impact pillar, acknowledging that sustainability includes caring for those who sustain our communities every day. We also engage with organisations aligned to this vision, amplifying the impact of those who advocate for aged care staff, enhance training, and promote wellbeing within the sector. To all aged care employees, thank you. Your care, dedication, and hard work make a real difference every day. You help bring comfort, dignity, and connection to so many in our communities. Find out more about how we’re backing essential workers and building stronger, fairer communities through banking with purpose.  

The Australian Federal Police are urging Australians to be wary of a new scam spreading across social media, in which criminals lure individuals into opening legitimate bank accounts in their own name. After the account is opened, control is then handed over to the fraudster in exchange for payment. Known as a ‘money mule scam’, this scam tricks people into becoming part of a criminal operation. The bank accounts are later used to launder money or receive funds from other fraudulent activities.Serious Legal ConsequencesWhile it may seem like a harmless favour or an easy way to make money, acting as a money mule is a criminal offence. Those who take part, knowingly or not, may face: Bank account bans or closure Permanent marks on their credit file Investigation by law enforcement Criminal charges for money laundering, which carry heavy penalties including prison time What to Watch Out ForBe cautious of the following red flags: Job offers on social media promising “quick money” for minimal effort Requests to open a new bank account for someone else to use Being asked to share your bank login details or bank card Vague explanations about the purpose of the account We take fraud prevention seriously. We monitor for unusual account activity and work closely with law enforcement and other financial institutions to shut down suspicious accounts. However, we also rely on our members to be vigilant. Never allow anyone else to use a bank account in your name.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 information on common scams and how to protect yourself, please visit the News section of our website.

As part of our recent merger with G&C Mutual Bank, we are aligning a number of our systems and processes. This includes consolidating our statement production through a single, trusted supplier. From your next statement onwards, you may notice a change in the layout and presentation. While the format has been updated, all essential information (including your account details and transaction history) will continue to be clearly displayed and accessible. This change supports our ongoing commitment to improving efficiency, consistency, and your overall member experience. If you have any questions regarding your statement, please contact us.