Branch Operations

Effective 1/12/2021:

All branches are open. Appointments can be made for lobby access by calling the branch telephone number. Here's the branch contact information.

The following safety measures have been put in place to protect the health & safety of our customers, employees and community:

  • All individuals entering the building are required to wear a face mask.
  • No public restrooms are available at this time.
  • Occupancy limits for each branch will be imposed which may result in increased wait times.
  • Social distancing signage will be posted and enforced within each branch.
  • If you are not feeling well, please utilize our online and mobile banking services.
  • Branch hours & locations can be found here.

Please check this website for future updates. We apologize for any inconvenience.

SBA PAYCHECK PROTECTION PROGRAM (PPP)

Click here for SBA PPP program details

Unity Bank Customers: We are in the process of sending out PPP communications and application links. Please check your Spam or Junk folder just in case the registration email was inadvertently delivered there instead of your inbox.

1/12 Update: Online SBA PPP2 Application To Be Sent Directly To Existing Unity Bank PPP Customers

Starting at 10:00 am on Wednesday, January 13th, customers with existing or forgiven PPP Loans from Unity Bank will be sent a direct link to our SBA PPP2 application.

Please Note: It is expected that it will take most of the day Wednesday and into Thursday to get all of the links out but they will be sent. Please keep an eye on your email.

For existing Unity Bank customers who wish to apply for a first time PPP loan, please email the Unity Bank PPP team and we will send you a direct link to the application: SBA_PPP@unitybank.com

Non-Customer Applications:Non-customer applications may experience longer delays due to priority processing of applications received from existing Unity Bank customers. Please check back for updates.

***Application Instructions***

When completing the application please read the instructions carefully as you go and click on the help “?” symbols. Unity Bank will post additional instructions or guidance on our website as additional information becomes available.

***ALL applications for PPP2 Loans must be submitted through the online portal***

Due to the anticipated receipt of a higher than normal volume of loan applications, we will only be able to accept PPP applications via the application links. Please do not submit files or copies of applications to our SBA PPP email address, they will be discarded. Your patience is greatly appreciated as our team works to process your application and or assistance requests.

For more information regarding SBA PPP Second Draw Loans, please visit: https://cdn.ymaws.com/www.naggl.org/resource/resmgr/ppp/ppp2/guidance/top-line_overview_of_second_.pdf

1/12 Update - SBA PPP Loan Forgiveness:

PPP Borrowers $150,000 & Under:

The revised streamlined attestation/application for forgiveness of all PPP loans less than or equal to $150,000 is expected to be finalized by the SBA on or before January 20th. We will provide links to the online application & instructions as soon as they are available.

PPP Borrowers Over $150,000:

We encourage all borrowers with existing PPP loans over $150,000 to apply for forgiveness prior to submitting an application for a second PPP loan when that program comes becomes available.

1/12 Update - For SBA PPP Loans ALREADY Forgiven But NET of EIDL Loans:

The recent modifications to the PPP Loan forgiveness rules by the SBA specify that EIDL loans will not reduce the amount of any PPP Loan forgiveness retroactively for loans already forgiven and going forward. As such, the SBA will be sending any amounts due directly to Unity Bank over the next 90 days and Unity will pay down any PPP Loan amount outstanding accordingly.

If you have questions regarding your current PPP loan with Unity Bank, please email: SBA_PPP@unitybank.com

1/11 Update - Continuance of P&I Payments for All 7(a) loans – SBA:

The SBA extends a crucial lifeline to Borrowers impacted by COVID-19 with debt relief: https://www.sba.gov/article/2021/jan/10/sba-extends-crucial-lifeline-borrowers-impacted-covid-19-debt-relief

SBA PPP Loan Deferrals

With the passing of the SBA PPP Flexibility Act on June 5, 2020, the covered period for all PPP loans was extended from 8 weeks to 24 weeks from the date the loan was funded. Additionally, the period for which loan payments would be deferred was extended to 10 months from the end of the covered period (or to the date SBA renders a decision on forgiveness, whichever comes first).

Certificates of Deposit - Penalties Waived

Unity Bank will waive all penalties for customers that would like to close their certificates of deposit prior to the maturity date. Please call your local branch for assistance. A list of branch locations and phone numbers can be found HERE

IRS Stimulus (EIP) Direct Deposit or Check Issuance

Unity Bank is working hard to ensure our customers are credited funds sent from the IRS as a direct deposit or check.

IRS Stimulus (EIP) Direct Deposit

For our Checking and Saving account holders expecting your Stimulus Deposit to go directly to an account at Unity Bank, please first log into your account online to verify the Stimulus Deposit or contact us at 800-618-2265.

If you DO NOT currently have a Checking or Savings account on file at Unity Bank but your 2018/2019 tax refund was deposited into a Unity Bank account that has since been closed, your stimulus check will be made available via check by the IRS, please visit www.irs.gov for further guidance in obtaining your funds via check.

IRS Stimulus (EIP) Checks

Unity Bank customers receiving a check from the IRS, please feel free to deposit your check through Unity Bank’s Mobile Deposit Service or visit your local office for assistance.

If you are going to utilize your local office, please ensure all parties are present to process the transaction and each has proper identification.

IRS Stimulus (EIP) Prepaid Debit Cards

Check your mail. Millions of people are getting Economic Impact Payments by prepaid debit card mailed in plain envelopes from Money Network Cardholder Services. Learn more at: www.irs.gov/

For more information and/or to check the status of your payment please visit: https://www.irs.gov/coronavirus/economic-impact-payments.

Loan Relief

Small Business Federal Disaster Loans

The U.S. Small Business Administration is offering direct, low-interest federal disaster loans for working capital to small businesses suffering substantial economic injury as a result of the Coronavirus (COVID-19).

These Disaster Loans offer up to $2 million in financial assistance to help overcome the temporary loss of revenue they are experiencing. These loans may be used to pay fixed debts, payroll, accounts payable and other bills that can’t be paid because of the disaster’s impact.

SBA offers loans with long-term repayments in order to keep payments affordable, up to a maximum of 30 years. Terms are determined on a case-by-case basis, based upon each borrower’s ability to repay.

For SBA Disaster Relief information, please call 1-800-659-2955 (TTY: 1-800-877-8339) or e-mail disastercustomerservice@sba.gov.

To apply directly to the SBA for disaster relief, please visit: https://disasterloan.sba.gov/ela/.

For New Jersey based businesses, additional information on relief can be obtained by calling the New Jersey Business Action Center (8am–5pm ET) at 1-800-JERSEY-7, or at https://cv.business.nj.gov/.

ALERT - POTENTIAL PANDEMIC SCAMS

During these unprecedented times consumers may receive false information regarding the security of their deposits or their ability to access cash. The FDIC does not send unsolicited correspondence asking for money or sensitive personal information. The agency will never contact people asking for personal details, such as bank account information, credit and debit card numbers, Social Security numbers, or passwords.

Consumers may also be contacted by persons who claim to be employed by an agency, bank, or another entity. These scams may involve a variety of communication channels, including emails, phone calls, letters, text messages, faxes, and social media. Scammers might also ask for personal information such as bank account numbers, Social Security numbers, dates of birth, and other details that can be used to commit fraud or sell a person's identity. Consumers should not provide this information.

Digital Services:

It’s a good idea for you to be prepared to manage finances in the event you cannot conduct business in the place or manner you usually do. Whether the Bank’s digital products are your first preference or a back-up, please make sure that you are familiar with the bank's electronic products, how to enroll and how they work.

If for any reason you cannot conduct business in your usual place of business, you should ensure you have access to your passwords and other information you need to conduct transactions. If there are services you rarely use, it is a good practice to regularly test these functions so you are prepared to use if needed.

Click below to learn about our digital products:

Financial Impact to Our Customers:

If you are financially impacted due to the Coronavirus crisis, please call our Customer Service Center at 800.618.BANK (2265).

Business Continuity

Federally regulated businesses, such as Unity Bank are required to have a business continuity program. Unity has a comprehensive business continuity program that is not only reviewed by federal auditors but internally audited, tested and updated by the Bank and third parties.