Unique and financial institution, owned by and run for indigenous people bringing culturally
appropriate financial services to people living in some of the most remote areas of the country, speaking
the same language, knowing the same cultures and coming from the same land as our customers.
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Banking Tips >
Banking Tips
As everyone’s transactional behaviors are driven by their individual needs, the information provided below can only be considered as general information and you should consider your individual circumstances when determining how to adapt your behavior to reduce or avoid fees.
For further information, assistance and advice on how to reduce your transactional or service fees, please contact the Unique Growth in Wealth Credit Union on +231 77-638-5992 or visit our branch.
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Choose the right account for you
You should choose the account best suited to your needs by looking at your transacting and banking patterns. Since everyone has different transactional requirements, it might be best to talk to our staff on +231 77-638-5992 to discuss your requirements and options available in detail.
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Consolidate your banking
If you hold funds or have accounts with other financial institutions, it may be beneficial to consolidate your accounts to minimise your fees. Our staff can assist you to switch your accounts to UGW Credit Union.
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Check your account balance before you transact
Keep your ATM transaction slips as a record of your balances held and avoid attempting transactions when you have insufficient funds, or use the account balance facility before attempting a withdrawal to avoid overdrawing your account.
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Use UGW ATM’s
Avoid using ATM’s that are not UGW’s as these transactions will incur a direct charge from the owner of the ATM.
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Use BPAY® or direct debit for convenience and reducing fees
Where possible pay regular bills via BPAY® or with an automatic debit from your account. This also reduces the amount of time you spend on your banking.
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Remember to avoid direct debit dishonor fees by ensuring your account has sufficient funds to cover the entire amount of any direct debits and cheques.
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Use Telephone banking and Internet banking
Monitor and manage your accounts with our phone and internet banking. Our internet and phone banking enables you to access your personal accounts 24 hours a day every day of the year. Using this service to check your account balance and manage your transactions is convenient and easy.
