1800 864 864
Phone enquiries are available 8am to 7pm, weekdays, and 9am to 3pm, Saturday.
Our offices are open 9am to 4pm (Nedlands and Murdoch) and 9.30am to 3pm (Curtin), weekdays.
Our Everyday banking accounts, savings accounts and term deposits can help you take control so you have money for today, tomorrow and your future.
At UniBank, we believe you should be able to make the most of your money everyday. That’s why we’ve designed our Everyday accounts to help you gain fast and easy access to your money—anywhere, anytime.
An account designed to meet all your day-to-day banking needs, with minimal fees and key features.
An all-in-one bank account that provides flexibility, security and hassle-free online transactions.
A bank account that makes it easy to separate your money for bills, with key features designed to ensure you never miss a payment.
Want to know more? Compare all our Everyday accounts, savings accounts and term deposits with one click.
Everyday account and Savings accounts
Conditions of use; Accounts and access document and Fees and charges brochure are available online or from any of our offices. You should read both of these documents before deciding to open accounts and access facilities issued by Teachers Mutual Bank Limited. Any advice provided here does not take into consideration your objectives, financial situation, or needs, which you should consider before acting on any recommendations. For further information call 1800 864 864. Students under the age of 24 years are exempted from the $5 monthly access fee. For students aged 24 years or older, please refer to our Fees and charges brochure for exemption criteria.
Car Loan, RediCredit and Credit Card
Fees and charges and lending criteria apply. Consumer Lending terms and conditions, and Credit Card terms and conditions available online or from any of our offices.
Lifeplan Education Investment Fund
This product is issued by Lifeplan Australia Friendly Society Ltd ABN 78 087 649 492 AFSL 237989. Teachers Mutual Bank Limited has an Agency Agreement with Lifeplan and receives an ongoing servicing commission of up to 0.36% pa of Members' average investment balances for the sale of this product and may receive other benefits such as training and marketing support.
Conditions of use—Accounts and access
Fees and charges
When you have a savings account with UniBank, earning a good return on your money is easy. And, with so many options to choose from, you’re guaranteed to find the right savings solutions to fit your needs. Whether you’re saving for your next holiday or simply want to monitor and manage your finances online, our range of savings accounts have you covered.
Take control of your finances no matter where you are with a savings account directly linked to your online banking.
Save more and earn more with this savings account. When you don’t make any withdrawals from your Reward Saver account, you’ll be rewarded with a great ongoing variable bonus interest rate.
Get the best of both worlds with a Cash Management account. Enjoy a return on your savings and keep your money available for when you need it most.
Summer can be an expensive time, but with our Summer Stash account you have the whole year to save.
Whether you’re setting aside money for a holiday celebration or investing in your family’s future, our specialised savings accounts make it easy to reach your financial goals.
Invest in your family’s future with a professionally managed investment fund. Whether you’re a parent, grandparent, godparent or friend, the Lifeplan Education Investment Fund* makes it easy to build a nest egg and set your little ones up for success.
We understand that being a student is a full–time job. And with studying, campus activities and a demanding social life on the agenda, it can be hard to find the time to make smart and sensible decisions with your money.
That’s why our student banking accounts have been specially designed to help you save more and do more both now and into the future. From day-to-day banking and savings accounts to fixed rate term deposits, our student banking accounts make it easy to make the most of your money.
Become a student member with UniBank today and you’ll get access to:
From their first few dollars of pocket money to their very first job, great saving habits start with a great savings account. Help your children develop the skills they need to manage their money now and into the future with one of our savings accounts, specially designed with the needs of young savers in mind.
A savings account designed for those under the age of 18. Save a minimum of $10 each month, make no withdrawals and receive great bonus interest rates, helping you earn more when you save more.
An investment account that lets you know exactly what your investment is worth. Get a fixed rate of return for the nominated term.
Still not sure? Compare all UniBank products and find the right savings account for the teenager or child in your family.
Whether you’re a member or non-member, earning a return on your money is easy with UniBank. Browse our term deposits below to find the right saving solution to suit your needs.
Exclusive to our Rewards Package Members, this savings account helps you accelerate your investment with an extra 0.05% of bonus interest.
Not a member of the Bank? You can still open a Customer Term Deposit with us. Learn moreOpening your first Customer Term Deposit? Complete Steps 1 & 2.Already have a Customer Term Deposit and want to open another? Complete Step 1 only
Not sure if a Customer Term Deposit is right for you? Compare all UniBank Accounts.
Interest rate effective from 5 October 2017 and is subject to change without notice. For deposits of $500,000 or more, rates are by negotiation and subject to acceptance. View the Conditions of use – Accounts and Access, and Fees and Charges brochure, also available from our office. You should consider whether this product is appropriate for you before acquiring it.
Interest can be paid monthly, 12 monthly or at maturity on the Member, Rewards Package and Customer Term Deposits. The Customer Term Deposit interest is calculated on the daily closing balance of the account and can be credited (compounded) to the term deposit account annually or on maturity. Term deposits lodged for more than 12 months must have interest paid at least every 12 month period as well as at maturity and can be compounded to the principal. Fortnightly and monthly interest payments cannot be compounded to the principal.
Term deposits interest rates are subject to change without notice. However, your interest rate is guaranteed for the term of your chosen deposit.
Early withdrawal: You cannot withdraw or transfer funds from a term deposit account prior to maturity unless you give us thirty one days’ notice. If you believe that you may have a need to immediately withdraw or transfer funds before maturity, please select a more suitable deposit product. Where you give us notice of early withdrawal and the maturity date is less than thirty one days from the date of notice, we will not release the funds until maturity. Upon early withdrawal or transfer, we will reduce the interest payable. An adjustment may be required where we have paid interest to you prior to you making an early withdrawal. Where an adjustment is required, we will deduct the applicable amount from the deposit balance paid to you.
Interest can be paid monthly, 12 monthly or at maturity on the Member, Edvest, Rewards Package and Customer Term Deposits and fortnightly on the Edvest Term Deposit. Term Deposit interest is calculated on the daily closing balance of the account and can be credited (compounded) to the term deposit account annually or on maturity. Term deposits lodged for more than 12 months must have interest paid at least every 12 month period as well as at maturity and can be compounded to the principal. Fortnightly and monthly interest payments cannot be compounded to the principal. Term deposit interest rates are subject to change at our discretion. However, your interest rate is guaranteed for the term of your chosen deposit, except for Edvest Term Deposit, where if your Edvest membership is cancelled, your Edvest Term Deposit will be transferred to a comparable non-Edvest Term Deposit for the remaining term providing the remaining term is 3 months or more. If the remaining term is less than 3 months, your Edvest Term Deposit balance will automatically be transferred to your Everyday account. Terms and conditions are available on request.
The reduced rate is currently 2% lower than the rate specified on your Term Deposit Certificate.
1 Minimum deposit $500 for 0-23 year olds.
2 For deposits over $500,000, rates are by negotiation and subject to acceptance.
3 If you cancel or do not renew your Rewards Package by paying the annual fee each year you will no longer be eligible for the rewards benefits. As a result the term deposit will be transferred to a comparable term deposit for the remaining term, providing the remaining term is 3 months or more or if the remaining term is less than 3 months, your term deposit balance will automatically be transferred to your account. Reduced interest is paid on term deposits if you withdraw your funds before the end of the proposed term.
#Rewards Package Terms and Conditions
Make the most of your day-to-day banking accounts, savings accounts and term deposits with our helpful online tools.
Useful information for making the most of your UniBank accounts.