Here are our retail banking services. Click on the titles to view the details;

uniCurrent Account

Features
- Cheques are issued on this account
- Overdraft facilities can be arranged
- Drawings are allowed against cleared cheques and cash deposited.
- Currency, GHS.
- Interest is not paid on this account.
- Minimum Initial Deposit is GHS 20.00
- Monthly statements are given Free.

Benefits
- Low initial deposit
- Easy payment for bills, goods and services
- Helps budgeting and convenient
- Financial information
- Access to bank credit facilities
- Highly Secured

To open a uniCurrent Account, Contact any of Our Branches and we would be pleased to assist you.

Fixed Deposit Account

FDA is an investment product for the customer with a longer investment time horizon. It is an investment of a fixed amount for a fixed period i.e. 30, 91, 182 or 365 days and at a predetermined fixed interest rate.

Features
- Fixed higher interest and paid at the end of the fixed period on maturity.
- Minimum Initial Deposit, GHS 200.00
- Currency, GHS
- Automatic rollover option on maturity.
- Interest can be paid into current, savings or by cheque to non-account holders.
- Can be pledged as security for any borrowing.

Benefits
- Can invest as much as possible
- Security
- Higher earnings on higher deposits
- Certainty of earnings

If a customer is investing a very large sum and there is a possibility that the deposit may be broken before maturity, it is best if the customer breaks the deposit down into manageable amounts so there is no need to break the bulk deposit. It will save the customer a considerable amount of interest.

Contact any of Our Branches and we would be pleased to assist you.

uniSave Account

Features
- Minimum Initial Deposit is GHS 10.00
- Minimum Initial Deposit (students) GHS 5.00
- Minimum Operating Balance (non students) is GHS 10.00
- No charges and commission on account operation
- Currency, GHS
- uniBank provides you with a Savings Withdrawal Book
- The Customer has access to a Bank Statement every 6 months
- The customer is able to monitor all withdrawals made on the account

Benefits
- Low initial deposit
- Access to bank credit facilities
- Cutomers earn more interest on this account. The more you save, the more interest you earn.

To open a uniSave Account, Contact any of Our Branches and we would be pleased to assist you.

M-Save Account

Save part of your remittances from Express Funds or Money Systems Cash Transfer and enjoy our competitive interest rates.

Account-opening procedure is simple and fast.

Call us now on (302)232803 /(302)236744/ (302)236672 and we would be pleased to assist you.

uniFund Account

Features
- This is a hybrid of current and savings account.
- Flexibility of providing a cheque issuing facility.
- Interest is earned provided the balance does not fall below GHS 1000
- Interest is calculated on the daily balance and paid to at the end of each month.
- Minimum Initial Deposit GHS 1000.00
- Currency, GHS

Benefits
- Best of two worlds - earns interest and also provides chequing facilities
- Access to credit facilities

All other Terms & Conditions and Charges applicable to current accounts apply on this account.

To open a uniFund Account, Contact any of Our Branches and we would be pleased to assist you.

uniChild Account

Features
Unlimited number of deposits
One (1) withdrawal per month only by guardian(s).
Any 2ND withdrawal by the guardians shall attract a fee of GHS 5.00 per transaction
Free Savings Withdrawal book
Interest payable on minimum balance of GHS 10.00

How the Account Works
- Beneficiaries of the uniChild Account should be a minor (less than 18 years) of age.
- The account would be held in trust for the minor by the guardian.
- On attainment of 18+ years, the guardian could write to indicate the handing over of the account to the beneficiary
- No withdrawal would be allowed by the minor
- Account would be operated by the guardian
- Account shall not have access to ATM

Additional Benefits - Insurance Cover
- uniBank Child Account has a compulsory Life Assurance. This makes the uniChild Account unique.
- Customers are assured of adequate financial package for the child in case the parent/ guardian dies or is permanently disabled.
- Premiums - This can be paid monthly in advance preferably at the beginning of every month

Duration of Cover
The minimum Life Cover for any account holder under this product would be 60 months or 5 years. The Life Assurance package has no cash value and hence cannot be surrendered for cash.

Waiting Period
The Life cover has a waiting period of three (3) months. Within this period, if there is an eventuality, no claim would be paid

Terms and Conditions
- Account opening balance GHS 50.00
- Minimum interest earning balance GHS 10.00
- Interest payable on monthly balance.

Benefits to Account
- Have a more secured way of raising funds for a better tomorrow
- Low initial deposit
- Earns more when one saves more

Targeted Customer Base
Families with children less than eighteen (18) years of age. This could be low net worth customers willing to accumulate some savings for their children education or high net worth customers with excess monies they want to set aside for their children.

Pilgrimage Account

uniBank (Ghana Limited) has signed an agreement with Shareworld Travel and Tours, a leading travel agency to enable Christian pilgrims embark on pilgrimage to Israel.

By this arrangement, "prospective customers would have to pick an application form from any uniBank branch nationwide, complete the form, and submit to the offices of Shareworld. Shareworld would be responsible for facilitating the travel and make other all other travel arrangement and documentation as well as hotel booking after the customer has made all payments. These monies would be paid into an escrow account domiciled with uniBank".

Funds deposited in the escrow account would be paid to Shareworld only when Shareworld has provided material evidence of honoring their bargain of the contract with the pilgrims.