Loan Payments

UniBank wants to help make paying your loan simple. That's why we offer you convenient ways to pay your UniBank loan. If you have questions, please contact our Customer Contact Center at 800.578.4270.

One-time Payment

Pay your UniBank loan with a one-time payment from your checking account using UniPay: a service provided by UniBank. 

Additional Options

Online Banking Transfer
Online Banking customers can transfer money from their enrolled checking or savings account to an enrolled UniBank loan account without UniBank's Online Banking system.

Mail-In
Make checks payable to UniBank, write your loan number in the memo line on the check, and mail your payment and payment coupon to:

UniBank
Attn: Loan Servicing
49 Church Street
Whitinsville, MA 01588


Online Loan Payment Disclosure
By using UniPay (the “Service”), you acknowledge that you have received and understand the terms of this disclosure. You should retain a copy of this disclosure for your records. If you are unable to print this Agreement, we will mail you a paper copy at your request. You agree that email or other electronic communications that we send you shall be treated as “writing” and shall bind each of us in the same way as a written communication.

Accessing the Service
To make a loan payment using the Service, you must have an active UniBank personal loan account.  This Service may only be used for payments on UniBank personal loan accounts and not for payments to any third parties. If you have a UniBank checking account, you may also use our UniBank Online Banking services to transfer funds from that checking account to make payments on your UniBank loan account.

We will automatically terminate your online session after approximately 20 minutes if there is no activity for a period of time.  In addition, we employ safeguards, such as firewalls between our systems and the Internet, to protect your account information.

UniBank reserves the right to deny you access to the Service at any time or deny access to any loan account chosen for use in the Service for any reason at any time.

Loan Payments Using this Service
(i) Generally.  You may make same-day payments to your personal loan account. If we receive your payment request prior to 9:00 p.m. Eastern Time on any business day, we will post the payment to your loan account on that day. The Bank’s business days are Monday through Saturday, excluding federal bank holidays. If we receive your payment request after 9:00 p.m. Eastern Time on a business day or at any time on a day that is not a business day, we will post the payment to your loan account on the next business day.  The day we make the loan payment is called the “Transaction Date.”
Your payment will be made electronically through the Automated Clearing House, an electronic banking network operating in the United States.  Rules and regulations governing the ACH network are established by the National Automated Clearing House Association (“NACHA”) and the Federal Reserve and will apply to your payments.

(ii) Funding Account.  When you instruct us to make a payment through the Service, you must designate a checking account from which that payment is to be made.  This is called the “Funding Account”.  By using the Service, you agree that we have the right to obtain information regarding your Funding Account from your financial institution, as necessary, to allow us to provide the Service (for example, to resolve a payment posting problem).  By designating the Funding Account, you are representing to us that you either own the Funding Account or are an authorized signer on the Funding Account for purposes of making payments through this Service.

(iii) Payments.  You must provide sufficient information about each payment, including but not limited to, loan account number, payment amount, funding account number, funding account bank routing number, name on funding account, etc. (the “Payment Instruction”) to authorize us to make the requested loan payment.

When the Service receives a Payment Instruction, you authorize us to debit your Funding Account in the amount of the loan payment and any associated fees.  Funds will generally be withdrawn from the Funding Account on the second business day following the Transaction Date, depending upon the agreements with the financial institution at which the Funding Account is located. The date funds are withdrawn from your Funding Account is referred to as the “Funding Date.”

(iv) Canceling Payments.  If you need to cancel a payment on the Transaction Date, you must call 1-877-227-1157 during the hours of 8:00 a.m. to 6:00 p.m. Eastern Time Monday through Friday or Saturday during the hours of 8:30 a.m. to 1:00 p.m. If you call after the Transaction Date and outside of these hours, you will not be able to cancel the payment.

(v) Payment Confirmation.  Confirmation of your loan payment will be provided on the screen after you submit the payment. The confirmation will be sent electronically to the email address you provided as part of your Payment Instruction, or you could choose to print a copy while online.  If the email is returned as undeliverable, we will not be able to send you a confirmation; however, if you do not receive an email confirmation, please  email  support@unipayteam.com or call the Customer Contact Center  at 1-877-227-1157 during the hours of 8:00 a.m. to 6:00 p.m. Eastern Time Monday through Friday or Saturday during the hours of 8:30 a.m. to 1:00 p.m.

No Signature Required

You agree that we may debit or credit your Funding Account without requiring your signature and without prior notice to you.

Fees
There is no loan payment processing fee for each payment using this Service. (Note: If you call the Bank and provide your Payment Information to a Bank representative via telephone, there is a $10.00 loan payment processing fee for each payment.)

If sufficient funds are not available in your Funding Account on the Funding Date, the loan payment will be cancelled and you will be responsible for any late payment related charges or fees as described in your loan documents with UniBank.  UniBank will also charge a Returned Item Fee of $33. You will also be solely responsible for any overdraft or related fees charged by the financial institution where the Funding Account is located.

Account Statements
You will continue to receive regular account statements, depending on the type of account and nature of transactions. Online Loan Payment Service Transactions will be itemized on your regular account statements related to your UniBank loan documents, as well as the deposit account statements issued by the financial institution where your Funding Account is located in accordance with its policies and procedures.

In Case of Errors or Questions

In case of errors or questions regarding your loan payments, call our Customer Contact Center at 1-877-227-1157 during the hours of 8:00 a.m. to 6:00 p.m. Eastern Time Monday through Friday or Saturday during the hours of 8:30 a.m. to 1:00 p.m.  You may also write to:

UniBank
Customer Contact Center
49 Church Street
Whitinsville, Massachusetts 01588