Frequently Asked Questions



Why should I bank with Unity?

At Unity National Bank, we redefine banking by eliminating bureaucratic red tape and replacing it with a commitment to simplicity and personalized service. Our approach sets us apart from megabanks headquartered in distant cities, as we prioritize swift and local loan decisions, sparing you from the paperwork, committees, and restrictive processes that can be overwhelming.

Moreover, we possess a profound understanding of Houston and Atlanta’s diverse neighborhoods, and the unique opportunities they offer. Through a blend of dedicated service and tailored financial solutions, we empower individuals and businesses to thrive, respecting their time, simplifying the banking experience, and contributing to the establishment of lasting financial security.


How do I open a checking or savings account?

Apply in person at any of our locations.


What documentation is required to open a personal checking account?

  • Valid State or government issued picture Drivers license or ID card
  • Valid passport and proof of Texas address
  • Valid military ID


What documentation is required to open a business checking account?

Sole Proprietor

  • Assumed Name Certificate or DBA documentation
  • Social Security Number or Federal Tax Identification Number


  • Assumed Name Certificate and Partnership Agreement
  • Partnership Resolution listing the signers on the account
  • Social Security or Federal Tax Identification Number


  • Certification and Articles of Incorporation
  • Resolution listing the authorized signers on the account
  • Federal Tax Identification Number


  • Letter of introduction and resolution listing the authorized signers
  • Minutes from last meeting where officers/signers were elected
  • Social Security or Federal Tax Identification Number

Unincorporated Association

  • By-laws, minutes of meeting electing Unity National Bank as depository bank, and election of officers who will be signing on behalf of the association
  • Federal Tax Identification Number
  • Resolution of Association


How safe is my money?

The Federal Deposit Insurance Corporation insures your deposits up to $250,000.00.


Do you have ATMs?

Unity ensures convenient access to cash with an ATM available at each of our bank branch locations. As a member of the Select ATM network, we provide access to over 500 surcharge-free machines locally and an extensive network of 55,000 Allpoint locations worldwide. Whether you're using our VISA check card or ATM, you can access funds at any ATM displaying the Visa/MasterCard or Pulse logo. Please be aware that a transaction fee may apply.

 Find an ATM


What are your hours?

Online and Telephone Banking

24 hours, 7 days a week

More about Online Banking More about Telephone Banking

Branch Locations

View Specific Location Details


Is Unity an Equal Opportunity Lender?

Yes. All banks are.