Branch Operations 

Effective 3/18/2020:
The health and safety of our customers, employees and community are always our top priority. With widening concerns about the Coronavirus, our branches will be Drive-Up ONLY until further notice.

Please call your local branch for assistance with any transaction that cannot be performed through our drive-up or if you have any questions.

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

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


What is the SBA Paycheck Protection Program (PPP)?   The Paycheck Protection Program prioritizes millions of Americans employed by small businesses by authorizing up to $349 billion toward job retention and certain other expenses.

Small businesses and eligible nonprofit organizations, Veterans organizations, and Tribal businesses described in the Small Business Act, as well as individuals who are self-employed or are independent contractors, are eligible if they also meet program size standards.

Under this program:
● Eligible recipients may qualify for a loan up to $10 million determined by 8 weeks of prior average payroll plus an additional 25% of that amount.
● Loan payments will be deferred for six months.
● If you maintain your workforce, SBA will forgive the portion of the loan proceeds that are used to cover the first 8 weeks of payroll and certain other expenses following loan origination.

Click here for further program details and application

Loan Relief & Deferment

Unity Bank is here to help customers impacted by the Covid-19 pandemic. Loan relief and deferment options are available for those who qualify. 

For existing Commercial & SBA loan inquiries:
Please email deferment requests to our lending team with the following information:

  • Your Loan Number 
  • Your Contact Information

Email the Commercial/SBA Lending Team:   click here   

For Home Equity & Residential Loans serviced by Unity Bank:

Please email deferment requests to our residential lending team with the following information:

  • Your Loan Number 
  • Your Contact Information

Email the Residential Lending Teamclick here

For Residential Mortgage Loans serviced by LoanCare:
Please contact Loan Care for assistance. There are several options available to prevent foreclosure. The option available to you is determined by your loan servicer based upon your individual circumstance. Below are some of the options that may be offered depending on your financial situation: 

  • Unemployment Special Forbearance 
  • Loan Modification 
  • Short Sale
  • Deed-in-Lieu of Foreclosure

LoanCare Phone:  800.909.9525
LoanCare Website: 
If you need further clarification, please contact our Customer Service Center at:  800.618.BANK (2265).

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

To apply directly to the SBA for disaster relief, please visit:

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


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.