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Additional Services

They’re small but mighty! These little UNIFY services are here when you need them, and make managing your money even easier.

Skip the trip. Payroll and government payments safely deposited.

Say no to fees. Protect your checking account with funds from your other UNIFY accounts.

Resources you need, when you need them.

Professional Notary Services for real estate transactions, birth records, financial documents.

  • Direct Deposit

    Take the direct route. Have your paycheck or payments directly deposited into your UNIFY account. No more waiting, you’ll have immediate access to your funds. 

    Payroll Direct Deposit

    Visit your employer’s Human Resources or Payroll department and provide them the UNIFY Direct Deposit Form completed for them to set up direct deposit of your paycheck into your UNIFY account. You will be required to provide your UNIFY account information.

    Government Direct Deposit

    Phone 800.772.1213, or complete the government’s direct deposit online form.


    UNIFY's Routing Number is 322079719

    Disclosures & Agreements

  • Overdraft Protection

    Overdraft Protection Options

    Protect your UNIFY Checking Account from overdrafts and fees1—when a transaction processes and you don’t have the funds available, you can advance funds from your UNIFY Credit Card or line of credit, or even pay it from available funds in your UNIFY Savings Account.

    Enroll Today!
    Visit a UNIFY Branch or call us at 877.254.9328

    1We offer two (2) optional Overdraft Protection Plans:
    (1) an overdraft transfer from a linked share account, and
    (2) an overdraft transfer from a loan, where your Signature Line of Credit or credit card account is used for overdraft protection.

    If you qualify for these optional plans, we will look to these first for overdraft protection before applying our discretionary Courtesy Pay coverage when a transaction would result in your account being overdrawn. These optional Overdraft Protection Plans may save you money on the total fees you pay us for overdraft protection. You must request to enroll in the optional Overdraft Protection Plans. You can enroll by visiting any branch and speaking with a Member Service Representative or calling 877.254.9328.

    Overdraft Transfer from Share Account. With this option, you authorize us to make transfers of available funds automatically from your linked share account(s) to cover overdrafts in your checking account. Transfers from your linked account are made in the exact amount of the overdraft. Pursuant to federal law, each transfer from a linked savings account is counted as one of the six (6) limited transactions you are allowed each month from your regular savings or money market account.

    Overdraft Transfer from Loan. If the available balance in your linked share account(s) is insufficient to cover overdrafts in your checking account, and if you have enrolled in overdraft transfers from a loan, then funds will be advanced from your Signature Line of Credit or credit card, as requested by you. The Signature Line of Credit and credit card are both revolving line of credit products, which are available to members meeting certain credit requirements. When you establish an overdraft transfer from a loan, you authorize us to automatically advance the amount of your overdraft from your Signature Line of Credit or credit card, as established by you, to cover your overdraft, up to your credit limit.

  • Applications & Forms

    The search is over! You’ll find the applications and forms to get the UNIFY services and products you need. As a reminder, to ensure your personal and account information is protected, please use our Secure Message feature within eBanking to communicate with us securely.

    Please do not use your personal email to send account numbers, personal data (such as a social security number), or attach a form that contains this information. Personal email is not secure and should not be used to transmit any personal information that connects you with your account(s).

    Open Your Account
    Consumer Loan
    Mortgage Loan
    Please choose an option below:



    Advancement Loan Agreement
    Subsequent Advancement Loan Request
    Savings Account
    Please choose an option below:

    Member (I already have an account)

    Non-Member (I have not yet established an account.)

    Checking Account
    Please choose an option below:

    Member (I already have an account)

    Non-Member (I have not yet established an account.)

    Money Market Account
    Please choose an option below:

    Member (I already have an account)

    Non-Member (I have not yet established an account.)

    Share Certificate
    Please choose an option below:

    Member (I already have an account)

    Non-Member (I have not yet established an account.)


  • Professional Notary Services

    UNIFY documents are notarized at no cost, and non-UNIFY documents are notarized for a small fee. Fees vary by state.



    • Brentwood
    • Camarillo
    • Concord
    • Glendale
    • Hawthorne
    • Huntington Beach
    • Irvine
    • Lakewood
    • Lodi
    • Los Angeles
    • Montebello
    • Oakland
    • Oxnard
    • Rancho Carmel
    • Redondo Beach
    • San Bruno
    • San Francisco
    • Santa Ana
    • Stockton
    • Torrance
    • Ventura
    • Westchester


    • Huntsville


    • Bentonville
    • Fayetteville
    • Rogers
    • Siloam Springs
    • Springdale


    • Aurora


    • Princeton


    • Georgetown
    • Hebron
    • Lexington


    • York Township ​


    • Blue Springs

    New Jersey

    • Roseland


    • Collegedale


    • Allen
    • El Paso
    • Frisco
    • San Antonio


    • Salt Lake City


    • Fairfax
    • Reston

    West Virginia

    • Buffalo
Can’t remember your Username?

No problem. Just phone our Contact Center at 877.254.9328, available 24/7, and a UNIFY Representative will assist you.