Branch Operations

Effective 2/19/2021:

All our 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.

1/21 Update:

SBA PPP Loan Program – Now Accepting Applications from All Businesses!

We are now accepting SBA PPP Loan applications for ALL interested businesses – existing and NEW customers alike via our website. A link to our website and the application link can be found on our SBA PPP Page.

SBA PPP Forgiveness Update:

The revised streamlined attestation/application for forgiveness of all PPP loans less than or equal to $150,000 is expected to be finalized shortly. We will provide an update as more information becomes available. If you have any questions about your current PPP loan or about the new PPP program, please email: SBA_PPP@unitybank.com.

SBA 7(a) Loans:

Great news! The SBA is forgiving the first 6 months of principal and interest payments, capped at $9M per month, on new SBA loans approved between 2/1/21 and 9/30/21. The SBA guaranty fee has been waived for all loans approved before 9/30/21 resulting in a significant savings in closing costs. Further, borrowers who have already received 6 months of SBA loan payments in 2020 will receive an additional 3 months of payments beginning with their February payment, capped at $9M per month. After the 3-month period, certain hard-hit industries will get an additional 5 months (also capped). Please email SBA_PPP@unitybank.com.

Continuing CARES Act Payments:

Borrowers who have received previous CARES Act P&I payments will receive an additional 3 months of payments beginning with their February payment, capped at $9M per month. After the 3-month period, certain hard hit industries will get an additional 5 months (also capped). New SBA loans approved between 2/1/21 and 9/30/21 will get their first 6 months payments made by the SBA, capped at $9M per month. SBA guaranty fee has been waived for all loans approved before 9/30/21. This will result in significant savings in loan closing costs.

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 - Early Closure Penalties Waived

Unity Bank will waive the early closure penalty for CD’s opened prior to April 1, 2020. 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.