Unity Bank is a popular financial institution that provides a range of banking services to its customers. One of the essential features that customers often require is checking their account balance. In this article, we will guide you through the various methods available for checking your Unity Bank account balance, ensuring you have the necessary information at your fingertips.
Maintaining awareness of your bank account balance is crucial for effective financial management. Unity Bank provides several convenient methods to check your account balance, ensuring you have access to real-time information about your funds.
Importance of Checking Your Unity Bank Account Balance
Managing your finances effectively requires staying informed about your bank account balance. Whether you are a customer of Unity Bank or any other financial institution, regularly checking your account balance is essential for various reasons.
Below are some importance attached to checking your Unity Bank account balance and how it can benefit you in managing your finances efficiently:
1. Real-Time Awareness
By checking your Unity Bank account balance regularly, you gain real-time awareness of your financial situation. Knowing the exact amount of money available in your account allows you to make informed decisions regarding your expenses and financial commitments. Whether you are planning to make a purchase, pay bills, or transfer funds, having up-to-date knowledge of your account balance helps you stay in control of your finances.
2. Avoiding Overdrafts and Insufficient Funds
Keeping track of your Unity Bank account balance helps you avoid overdrafts and insufficient funds. If you are unaware of your account balance and make transactions without considering the available funds, you may end up exceeding your account’s limit. This can result in overdraft fees or declined transactions, causing inconvenience and potential financial setbacks. By regularly checking your account balance, you can ensure that you have sufficient funds to cover your expenses and avoid any unnecessary fees or complications.
3. Monitoring Transactions and Detecting Errors
Checking your Unity Bank account balance allows you to monitor your transactions and detect any errors or unauthorized activities promptly. By reviewing your account activity regularly, you can identify any discrepancies or unfamiliar transactions that may indicate fraudulent activity. Promptly reporting any suspicious transactions to Unity Bank can help protect your account from unauthorized access and ensure the security of your funds.
4. Budgeting and Financial Planning
Maintaining a budget and effectively planning your finances requires accurate information about your account balance. By regularly checking your Unity Bank account balance, you can track your income and expenses, identify spending patterns, and make informed decisions about saving and budgeting. This enables you to set financial goals, allocate funds appropriately, and work towards achieving your financial objectives.
5. Managing Automatic Payments and Deposits
Many individuals have automatic payments and deposits set up, such as utility bills, loan repayments, or direct deposits from employers. By checking your Unity Bank account balance, you can ensure that sufficient funds are available for these automatic transactions. This helps prevent missed payments, late fees, or bounced checks, providing peace of mind and maintaining a positive financial reputation.
6. Personal Financial Security
Regularly checking your Unity Bank account balance contributes to your personal financial security. It allows you to actively monitor your financial health, identify any potential issues or discrepancies, and take appropriate actions to address them. Being proactive in managing your account balance helps safeguard your funds, prevent unauthorized access, and maintain control over your financial well-being.
7. Convenient Access to Various Channels
Unity Bank offers multiple channels to check your account balance conveniently. Whether through mobile banking apps, internet banking platforms, ATMs, USSD codes, or customer service, you can access your account balance anytime and anywhere. Utilizing these channels provides flexibility and ensures that you have quick and easy access to the information you need.
How To Easily Check Your Unity Bank Account Balance
There are different ways you can easily check your Unity bank account balance. These method are easy, fast and very effective and some of them can be done through your phone. Below are some of the methods to easily check your Unity bank account balance:
Checking Unity Bank Account Balance via Mobile Banking
Unity Bank offers a mobile banking application that enables customers to conveniently access their accounts on their smartphones. Here’s how you can check your account balance using the mobile banking app:
- Download and install the Unity Bank mobile banking app from your app store.
- Launch the app and log in using your credentials.
- Locate the “Account Balance” option within the app’s menu.
- Click on “Account Balance” to view your current account balance.
Checking Unity Bank Account Balance via Internet Banking
Unity Bank’s internet banking platform allows customers to manage their accounts online. To check your account balance through internet banking, follow these steps:
- Visit the Unity Bank website and navigate to the login page for internet banking.
- Enter your login details, including your username and password.
- After logging in, locate the “Account Balance” section on the homepage or account summary page.
- Click on the “Account Balance” option to view your current account balance.
Checking Unity Bank Account Balance via USSD Code
Unity Bank provides a USSD code that allows customers to check their account balance using their mobile phones. To check your account balance via Unity Bank USSD code:
- Dial the Unity Bank USSD code on your mobile phone: *7799#.
- Follow the instructions provided on the screen.
- Select the option to check your account balance.
- You will receive an SMS with your current account balance.
Checking Unity Bank Account Balance via ATM
ATMs are widely available and offer a convenient way to check your account balance. To check your Unity Bank account balance at an ATM:
- Locate a Unity Bank ATM near you.
- Insert your Unity Bank debit card into the ATM and enter your PIN.
- Select the “Balance Inquiry” option from the menu.
- The ATM will display your current account balance on the screen.
Checking Unity Bank Account Balance via Customer Service
If you prefer a more personalized approach, you can contact Unity Bank’s customer service to check your account balance. Here’s how:
- Dial Unity Bank’s customer service number: +234 7057323225-30, 09-8734331, 07080666000.
- Follow the automated instructions or speak to a customer service representative.
- Request to check your account balance.
- The customer service representative will provide you with your current account balance.
Tips for Secure Account Balance Checking
When checking your Unity Bank account balance, it’s important to ensure the security of your personal and financial information. Here are some tips to keep in mind:
- Use secure and trusted platforms such as official mobile banking apps or the bank’s website.
- Avoid accessing your account on public or shared devices.
- Keep your login credentials confidential and change your passwords regularly.
- Be cautious of phishing attempts and only provide your information on official bank channels.
- Regularly monitor your account for any unauthorized transactions or suspicious activities.
Frequently Asked Questions (FAQs)
1. Can I check my Unity Bank account balance using the Unity Bank mobile app?
Yes, Unity Bank provides a mobile banking app that allows customers to check their account balance conveniently.
2. Are there any charges for checking my Unity Bank account balance via USSD code?
There may be minimal charges for checking your account balance using the Unity Bank USSD code. Please check with your mobile service provider for any applicable fees.
3. Can I check my account balance using any ATM, or does it have to be a Unity Bank ATM?
You can check your Unity Bank account balance using any ATM that accepts Unity Bank debit cards.
4. Is it safe to check my Unity Bank account balance through internet banking?
Unity Bank’s internet banking platform employs security measures to protect your information. However, ensure you access your account through secure and trusted networks to maintain security.
5. What should I do if I encounter an issue while checking my Unity Bank account balance?
If you face any issues or have questions while checking your account balance, contact Unity Bank’s customer service for assistance.
Knowing how to check your Unity Bank account balance is essential for effective financial management. Whether you prefer mobile banking, internet banking, ATMs, USSD codes, or customer service, Unity Bank offers multiple options to ensure you have access to your account balance whenever you need it.