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All Services

Payplus Payroll and Payables

UniBank provides a full service payroll and/or payables checking account, complete with FREE checks. This account is also interest bearing so you make money on the ‘float’.

Remote Deposit Capture

UniBank offers the ability to deposit checks right from your office anytime you want using an easy to use scanner we install. An electronic lockbox remittance feature interfaces with your municipal software for easy and accurate payment posting and updates.

State Aid Reporting

Our comprehensive reports on all “Cherry Sheet” daily state aid deposits and monthly state aid deposits. We do the research for the Commonwealth of Massachusetts payments so you do not have to.

Interest Allocation and Trust Reporting

UniBank’s Interest Allocation and Trust reporting are second to none. We consolidate as many or as few accounts as you need, allocate the interest, and deliver a full detailed report every month.

Online Banking

UniBank offers a full suite of online banking capabilities to help make managing your money as easy as possible. The Business Apps system will initiate wires, ACH receipts and payments, and tax payments. You can also safely send your payroll and vendor ACH files to UniBank through our secure site.

UniBank has teamed up with IBM® to offer Trusteer Rapport™ – an online fraud protection software available to UniBank customers that delivers extra security while you’re using our website.


Trying to go paperless? UniBank offers e-statements allowing you to view, print and download new and previous statements through our online banking product.

Municipal Money Market

Our Municipal Money Market account earns a preferred rate and is provided with our full line of online banking services and the full protection of the FDIC.

Investment CDs

We also offer a full range of Certificates of Deposit to be purchased in 30 – 60 day ranges. In addition to these long term investment we also offer a high yield 7 day CD that may be more convenient.

ACH Services

Automated Clearing House (ACH) services gives your municipality the ability to send and receive money electronically on predetermined dates. You can use the ACH system to process electronic withdrawals from customers and make deposits to employee or vendor accounts.


  • Reduce costs and inefficiencies of producing checks
  • Manage receivables and payables more efficiently
  • Simplify payroll reconcilements
  • Accessible through UniBank’s Online Banking system making it simple to create templates, upload files, and process each ACH batch

Positive Pay

Designed to help you avoid financial loss due to check fraud, Positive Pay is a simple, safe and secure web-based account fraud protection and check management tool. Using Positive Pay, UniBank compares the account number, check number, dollar amount, and payee of each check that is presented for payment against the list of checks authorized by you. If all four items match, the check will be processed. If any item does not match, the check will be flagged for your review. You decide whether to pay or return the check.


The safety and confidentiality of financial information is always a priority for those with responsibility for management of government funds. At UniBank, we are dedicated to the protection of our customers’ information. From internal security, like firewalls and state-of-the-industry encryption methods, to security procedures that verify wire transmittals, we continually test and update all of our systems and procedures. You can have confidence that UniBank is dedicated to the protection of your valuable information. Additionally, we offer security education to help keep you in-the-know about how to keep your accounts safe and secure.

Deposit Insurance

UniBank is a member of the Federal Deposit Insurance Corporation (FDIC), which is an independent agency of the United States government that protects against the loss of insured deposits if an FDIC-insured institution fails. The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category.