How To Check Account Balance On Unity Bank | Quick Simple Steps

You can check your Unity Bank account balance instantly via USSD codes, mobile app, internet banking, or ATM services.

Multiple Ways to Access Your Account Balance

Unity Bank offers several convenient methods for customers to check their account balances. Whether you prefer using your phone, online platforms, or physical banking facilities, there’s an option tailored to your needs. Understanding these options helps you stay on top of your finances with ease and security.

USSD Code Method

The USSD code is one of the fastest ways to check your account balance without needing internet access. By dialing a short code on your mobile phone, you can receive instant updates on your balance. This method is especially useful for users who rely on basic feature phones or have limited data connectivity.

To use this service, dial *7799# from the phone number linked to your Unity Bank account. Follow the prompts by entering your PIN when requested. After successful authentication, your current balance will be displayed on the screen within seconds. This service is available 24/7 and does not require a smartphone or internet connection.

Mobile Banking App

Unity Bank’s official mobile app provides a comprehensive platform for managing your finances on the go. Available for both Android and iOS devices, the app allows you to check balances, transfer funds, pay bills, and more—all from a secure environment.

After downloading and installing the app from Google Play Store or Apple App Store, register with your account details and set up a secure login PIN or biometric authentication if supported by your device. Once logged in, simply navigate to the dashboard or accounts section to view real-time balance information instantly. The app also sends notifications for transactions which helps in monitoring activity closely.

Internet Banking Portal

For those who prefer desktop or laptop access, Unity Bank’s internet banking portal offers full control over accounts and transactions online. Accessing this portal requires registering for internet banking services at any Unity Bank branch or through customer service channels if available online.

Once registered, log in at the official website using your username and password. The homepage displays all linked accounts along with their current balances prominently. This method is ideal for detailed account management since it supports downloading statements and performing other banking operations securely from any location with internet access.

Method	How It Works	Requirements
USSD Code	Dial *7799# and follow prompts to view balance instantly.	A phone linked to your bank account; no internet needed.
Mobile Banking App	Login to app; balance displayed on dashboard.	Smartphone with app installed; registered user credentials.
Internet Banking Portal	Login via website; view balance under accounts section.	A computer or device with internet; registered username/password.

The USSD Code Experience: Fast and Reliable

USSD codes have become a staple for quick banking inquiries across many African banks due to their simplicity and accessibility. Unity Bank’s *7799# code is no exception—it delivers instant results without any hassles.

Once you dial *7799#, a menu appears prompting you to select options such as checking balance, mini statements, or airtime purchase. Entering the designated number for “balance inquiry” will trigger an immediate response showing your current available funds.

This method works well even in areas with weak network coverage because it uses GSM signaling rather than data channels. Also, it avoids exposing sensitive information since no data is stored on the device after session termination.

Navigating Potential Issues With USSD Codes

Sometimes users encounter errors like “invalid PIN” or “service unavailable.” These issues often stem from incorrect PIN entries or temporary network outages.

If you forget your USSD PIN, it’s possible to reset it by visiting any branch with valid identification documents or calling customer service for guidance.

Also, ensure that the phone number used matches the one registered with Unity Bank since mismatched numbers won’t allow access.

The Mobile App Advantage: Convenience at Your Fingertips

Downloading Unity Bank’s mobile app transforms how you interact with your finances beyond just checking balances.

The user interface is designed for simplicity—once logged in securely through password or biometric authentication (fingerprint/face recognition), all essential functions are presented clearly.

Balance information updates in real time as transactions occur throughout the day so you’re never behind on tracking expenses.

Plus, features like transaction alerts keep you informed about deposits and withdrawals immediately via push notifications.

Troubleshooting Common App Glitches

Occasionally apps may crash or fail to load due to software bugs or connectivity issues.

If this happens:

Restart your device: This often clears temporary glitches.
Update the app: Make sure you’re running the latest version from official stores.
Clear cache: Removing stored temporary files can improve performance.
If persistent problems occur: Contact Unity Bank support directly through provided channels.

The Internet Banking Portal: Comprehensive Online Access

Logging into Unity Bank’s web portal offers more than just balance checks—it provides full control of multiple accounts under one login.

The layout displays each account type (savings/current) alongside corresponding balances clearly at first glance.

Additional tools include downloading monthly statements in PDF format which can assist during budgeting or tax filing purposes.

Since this method requires internet access via browsers like Chrome, Firefox, Safari etc., it suits users comfortable managing finances on laptops/desktops rather than mobile devices alone.

Keeps Your Credentials Safe Online

Security measures such as two-factor authentication (2FA) protect accounts against unauthorized access when using online portals.

Regularly updating passwords and avoiding public Wi-Fi networks during login sessions further reduces risks associated with cyber threats.

The ATM Route: Physical Access Anytime

Another straightforward option involves using Unity Bank ATMs scattered across cities nationwide.

By inserting your debit card and entering your PIN at an ATM terminal:

Select “Balance Inquiry” from menu options;
Your available balance prints out immediately on receipt;
You may also view it briefly on-screen before receipt printing.

This approach suits those who prefer physical confirmation of their funds without needing digital devices but requires proximity to an ATM machine operated by Unity Bank or partner networks accepting their cards without extra fees.

Avoiding ATM Pitfalls

While convenient:

Avoid sharing PINs anywhere;
If an ATM fails to dispense receipt but deducts money—report promptly;
Select ATMs located in secure areas during daylight hours;
Caution against card skimming devices by inspecting card slots carefully before use.

Keeps Your Account Info Secure Regardless of Method Chosen

All methods rely heavily on protecting personal data such as PINs and passwords:

Avoid sharing credentials:

Your login details are strictly personal; never disclose them over calls/texts/emails claiming bank origin unless verified.

Create strong passwords:

A mix of letters (both cases), numbers & symbols increases difficulty against hacking attempts.

MFA/Two-factor Authentication:

This adds an extra security layer requiring additional verification beyond just passwords.

Keeps software updated:

This includes mobile apps & browsers used for accessing services.

Avoid public Wi-Fi:

This prevents interception of sensitive information during online sessions.

If suspicious activity detected:

Please report immediately via official customer care channels.

The Balance Checking Process Simplified in Steps

Regardless of method chosen here’s how simple it usually gets:

Select preferred channel (USSD/App/Internet/ATM).
If needed enter credentials/PIN correctly.
Navigates menus/options towards “Balance Inquiry.”
Your current available funds display instantly either onscreen/message/receipt/email depending on medium used.
You log out safely once done especially online/mobile apps.

This straightforward process ensures quick access without confusing steps involved.

A Closer Look At Fees And Charges For Balance Checking Services

Many banks impose small fees for certain types of inquiries especially via USSD codes or third-party ATMs:

Service Type	Fee Charged (NGN)	Notes
*7799# USSD Balance Check	N25 – N50 per request	This fee varies depending on telecom operator tariffs applied by bank partnership agreements.
MOBILE APP & INTERNET BANKING BALANCE CHECKS	No charge	No fees apply when checking balances through official digital platforms owned directly by bank.
BANK ATM BALANCE INQUIRY RECEIPTS	N20 – N50 per inquiry	Slight fee charged only if using non-Unity ATMs within partner networks else free at own ATMs mostly.
BANK TELLER BALANCE CHECKS AT BRANCHES	No charge usually	Tellers provide free assistance but might require waiting times depending on branch traffic.

Knowing these costs helps plan frequency of checks without unexpected deductions affecting overall funds.

Key Takeaways: How To Check Account Balance On Unity Bank

➤ Use USSD code *779*0# to check balance instantly.

➤ Mobile app offers quick access to your account info.

➤ Internet banking allows balance checks anytime online.

➤ Visit a branch for in-person assistance and statements.

➤ Customer service is available via phone for support.

Frequently Asked Questions

What Are The Different Ways To View Unity Bank Account Balance?

You can check your Unity Bank account balance using several methods including USSD codes, the mobile banking app, internet banking portal, or ATMs. Each option offers convenience and security depending on your preference and available technology.

How Can I Use USSD Codes To Access My Unity Bank Balance?

Dial *7799# from the phone number linked to your account. Follow the prompts and enter your PIN when requested. Your balance will be displayed instantly without needing internet access, making it a quick and easy option.

Is There A Mobile App To Monitor Unity Bank Account Balances?

Yes, Unity Bank offers an official mobile app for Android and iOS devices. After downloading and registering, you can view your balance, transfer funds, and receive transaction notifications securely anytime on the go.

Can I Check My Account Balance Through Internet Banking?

Absolutely. By registering for internet banking at a branch or online, you can log in to Unity Bank’s portal with your credentials. The dashboard prominently shows all linked accounts and their current balances for easy management.

Are ATM Services Available For Checking Unity Bank Balances?

You can visit any Unity Bank ATM to check your account balance by inserting your card and entering your PIN. This method provides a quick way to verify your balance while performing other transactions if needed.

Troubleshooting Common Challenges During Balance Checks

Occasional hiccups occur whether technical glitches or human errors:

Poor network signals may delay USSD responses—try switching locations or retry later if messages fail repeatedly.
Mistyped PINs lock sessions temporarily—wait recommended period before retrying.
Password resets needed if forgotten credentials block app/internet login.
Error messages requesting contact with customer care indicate possible account restrictions/security holds requiring resolution.
Lack of updated apps/browsers cause compatibility issues—always keep software current.
Certain international SIM cards might not support Nigerian USSD services properly leading to failures.
If card retained by ATM machines after multiple failed attempts visit nearest branch immediately.