Join us today Since 1964 we've focused on offering low cost, competitive products. Get started Talk to us Phone us Email us Breadcrumbs UniBank Why Join Us Why Join Us Join today to become a member of UniBank How to join Student banking Over 50s Program - Edvest How to join How we put you first When you join us, you‘ll benefit from our competitive rates, fair fees and great products and services. We focus on offering good value, competitive products to the tertiary education sector. We channel part of our profits back into the business to provide you with better rates and services. Competitive interest rates. Who can join? Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian University or family members of members (i.e. shareholders) of the Bank. Additionally, individuals must be citizens or permanent residents of Australia. Not sure you can join? Contact us. A full-time university student but still under 18 years? Apply here How to join There are a number of convenient options available for you to join: In person by visiting one of our branch offices. Over the phone — contact us here. Online by selecting the 'Get Started' button below. To get started, you will need: 1. To be an Australian citizen or permanent resident 18 years old or over. 2. Your identification documents with your full name, date of birth and address (e.g. Drivers Licence, Passport). Don't worry if you don't have your identification documents, we will call you to complete your application later. You will need to become a shareholder to join — all you need to do is pay just $10. Get Started International student/Non-resident? Apply here *Important information Conditions of use - Accounts and access information > Collection of Tax file numbers Collection of tax file numbers is authorised by, and their use and disclosure are strictly regulated by, the tax laws and Privacy Act and, it is not an offence if you choose not to quote your tax file number. If you don’t quote your tax file number, or claim an exemption, tax may be taken out of your interest or dividends. For more information about the use of tax file numbers, please go to ato.gov.au. Student banking You’ll be looked after when you need it the most with our student banking program1! We understand that being a student can mean long hours studying, often while juggling part-time work with a social life and campus activities, and having to make smart and sensible decisions with your money. That’s why we’ve developed our student banking program1 designed to help you during this busy – and exciting – time in your life, and to help you on your way toward lifelong financial wellbeing. Whether you're currently studying or have graduated within the last two years, you'll benefit from a range of products with great features like a fee free Everyday Direct2 transaction account, our UniBank mobile app and internet banking4, and no application or ongoing fees on car loans5. As a student and even after you’ve graduated and started your chosen career, UniBank will look after you when you need it the most, now and in the future. Learn more To open a new account with us under our student banking program, you'll need; 1. To be a full-time university student, aged 17 years or over. 2. Identification documents- e.g. current drivers licence or passport. Get Started International student/Non-resident? Apply here *Important information 1. Membership - Student Banking program Membership eligibility applies to join the Bank. Membership is open to citizens or permanent residents of Australia who are current or retired employees, students and graduates of Australian Universities or family members of members of the Bank. This banking program is available to you if you are a current full time student at any Australian University or other tertiary education institution in Australia, and may be withdrawn at any time. 2. Everyday account and Savings accounts 'Conditions of use; accounts and access' document and 'Fees and charges' brochures 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. 3. Join offer The Bank will credit an initial $20 into your Everyday account once opened. You should consider whether this product is appropriate for you before acquiring it. 4. Online access You should consider whether this service is appropriate for you before acquiring it. For additional information on security please refer to our Security Guide for electronic transactions available online. Access is subject to availability and maintenance. We test mobile banking to ensure compatibility with the majority of popular devices used by members but cannot guarantee that it will be compatible with all devices and operating systems. Teachers Mutual Bank Limited does not charge you for accessing your accounts using your mobile. Internet data charges and call charges may be incurred through your mobile service provider - check with your Internet Service Provider or mobile phone service provider for more details. A 3G or Wi-Fi connection is needed for the mobile banking and map features. 5. 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. 6. Optional Free Roadside Assistance standard plan If you select Roadside Assistance Standard Plan provided by AGA Assistance Australia Pty Ltd ABN 52 097 227 177, trading as Allianz Global Assistance, in relation to the car purchased with our car loan, the Bank will pay the annual cost of the Standard Plan for up to 5 years from the date the car loan was first funded or until the car loan is repaid, whichever is the earlier. Full terms and conditions of Roadside Assistance Standard Plan available at http://www.roadsideonline.com.au/terms-and-conditions. Over 50s Program - Edvest Rewards begin at 50 with Edvest Edvest is a benefit scheme available to our members1 who are 50 years or older. Edvest wants to recognise and reward you with special discounts on selected products, better returns on your investments and much more. For just $30 per year, you’ll enjoy: Better returns on your investments Discounts on travel, insurance, a car buying service and legal advice The ability to apply for higher limits on RediCredit overdrafts And more… Join today Download and complete the form Better returns2 We offer Edvest members higher interest rates on term deposits and cash management accounts than our standard product offers. Make your money work harder for you: Term deposits offer better returns, with terms ranging from 3 months to 3 years. Interest can be paid fortnightly, monthly, annually or on maturity. Our Cash Management account offers the flexibility of having money at call 24/7 with a competitive interest rate. Borrowing The ability to apply for a higher overdraft limit with RediCredit: Up to $20,000 for single Edvest members or $40,000 for joint Edvest members. One valuation reimbursed up to any value for a new home loan on selected home or investment property loan applications. Learn more about our savings accounts to determine which ones are right for you. Savings and extras on your next holiday Australian departure tax (Passenger Movement Charge) paid when booking international flights and international cruises departing from Australia with Tertiary Travel3 on selected tours. Visit Tertiary Travel for more information, the latest tours and discounts, and contact details to book your getaway. Discounts One free safe custody package per year – store your important documents like Wills and title deeds at selected offices. 10% off home and contents insurance4 and car insurance through our insurance partner, Allianz, our nominated insurer. Reduced fees ($10 discount for singles, $20 discount for couples) and a free initial consultation on Wills, Power of Attorney and Enduring Guardians5 provided by our nominated solicitors. Stay up-to-date with what matters most Access to Edvest News, a quarterly newsletter containing market news and updates and lifestyle, travel, superannuation and tax information. Join today Download and complete the form *Important information Please note – Before you decide on any of our products or services, we strongly recommend that you read both the Conditions of use Accounts and access and the Fees and charges booklets. You can find these online at our website or ask at any of our offices. We have not considered your objectives, financial situation or needs. 1 Membership eligibility applies to join the Bank. All applications for credit are subject to our responsible lending criteria. Fees and charges apply. You can find our Consumer Lending terms and conditions available online or from any of our offices. 2 Edvest Cash Management and Edvest Term Deposit accounts are available for Edvest members only. An Edvest fee of $30 (charged annually or pro rata) is payable. 3 Tertiary Travel Service Pty Limited ABN 28 088 900 981 trading as Tertiary Travel is a wholly owned subsidiary of Teachers Mutual Bank Limited. 4 The Bank arranges this insurance as agent of the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 (Allianz). The Bank acts as an agent for Allianz and not your agent. Neither the Bank nor Allianz provide advice based on any consideration of your objectives, financial situation or needs. To decide if it is right for you please carefully read the relevant product disclosure statement, available online or by contacting us. Personal effects cover to provide against loss or damage is available when you have contents cover. No Product Disclosure Statement is available for CTP insurance. Cover provided is in accordance with legislative requirements. A PDS is available, however, for the At Fault Driver Protection Insurance, please visit us online or contact us for more information. If you purchase this insurance, the Bank will receive a commission that is a percentage of the premium depending on the product. We also have an arrangement with Allianz Australia Insurance Limited (AAIL) to provide marketing, administrative and support services relating to Allianz insurance products in return for a share of aggregate profits from insurance policies (excluding CCI policies) issued by Allianz that we arrange. Ask us for more details before we provide you with any services on this product. Minimum premiums may apply. Any discounts/entitlements may be subject to rounding and only apply to the extent any minimum premium is not reached. If you are eligible for more than one, we also apply each of them in a predetermined order to the premium (excluding taxes and government charges) as reduced by any prior applied discounts/entitlements. Discounts are available at the time of publication and are subject to change without notice. For Home and Landlord insurance discounts may not be applied to any flood component of the premium (if applicable). 5 The solicitors who provide advice to members on wills, powers of attorney and the like, while endorsed by the Bank, are in fact completely independent. While we have taken steps to ensure that the solicitors recommended from time to time are licensed, we cannot accept liability arising out of the provision of any legal services that they offer. 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