Timiza Account

  • No minimum balance
  • Access funds via:
  • Mobile banking (*493#)
  • Unaitas Agent
  • Unaitas ATM card
  • Unaitas Mobile App
  • Maintaining an active account enables a member to access MO cash Loan.
  • Get notifications on your account transactions
  • Original ID/Valid passport
  • KRA pin certificate copy
  • Kes 100 for membership (10 shares@ 10/=)

Jipange Account

Goal/purpose driven account. This is an excellent saving facility where members build up savings for school fees, holidays, weddings, festive season and other contingencies.

  • No monthly charges
  • Minimum balance Kes 1000
  • Withdrawable 3 times in a year at no charge
  • A charge of Kes 200 is applied for any other withdrawal upon surpassing the limits.
  • Withdrawals done over the counter
  • The saving account cannot be accessed via Alternative channels-to encourage saving more
  • Earns interest annually
  • It’s a continuous monthly savings, can be contributed through standing order, check off, mobile banking, bank transfer or direct deposit.
  • Original ID/Valid passport
  • KRA pin certificate copy
  • Kes 100 for membership (10 shares@ 10/=)

Fixed Deposit Account

It’s a fixed term savings account with a pre-determined interest rate

  • No monthly charges.
  • Minimum of Kes. 5000/=
  • Funds can be fixed either for 1, 3, 6,9 or 12 months.
  • Forfeiture of interest if withdrawn before maturity.
  • Funds may be used as loan collateral.
  • Attractive interest rates.
  • Have an existing account

Sacco Deposit Account

An excellent account for long term savings that members save daily, weekly, monthly or quarterly

  • No monthly charges
  • Minimum balance Kes 1000
  • Withdrawable 3 times in a year at no charge
  • A charge of Kes 200 is applied for any other withdrawal upon surpassing the limits.
  • Withdrawals done over the counter
  • Earns interest annually
  • It is a Multiplier Account for loans
  • Members can access the statement upon request
  • Funds are withdrawable upon 90 days’ notice from the member
  • Can be contributed through standing order, check off, mobile banking, bank transfer or direct deposit.
  • Original ID/Valid passport
  • KRA pin certificate copy
  • Kes 100 for membership (10 shares@ 10/=)

Jolly Junior Account

This is a children’s savings account for short term and long-term future financial needs.

  • Minimum operating balance of Kes 1000/-
  • Limited withdrawals of three times per year at no charge.
  • No monthly charges
  • Forfeiture of interest if withdrawn before maturity.
  • Earns Interest Per Annum
  • Account holders access piggy banks.
  • Can be contributed through standing order, check off, mobile banking, bank transfer or direct deposit
  • A recent passport-size photo of the child.
  • Original Birth Certificate/ a copy of the birth notification.
  • Original National ID card for the parent/guardian.

Biashara Accounts

Unaitas is the perfect partner for entrepreneurs because we understand your drive and relentlessness. We offer business banking that is tailored to meet your unique needs and help you grow your enterprise.

Whether you are looking to grow, or just started out as an entrepreneur, we understand you require flexible and easy access to your funds. Bring your business plans and operations to life and stay open for business with the Biashara Account.
What’s more, you get to transact conveniently from home or at the office with our mobile banking from wherever you are.
Open to individuals, SME’s and registered Chamas/Saccos

Requirements

  • Original IDs/Valid Passports – Director(s)
  • Copies of KRA Pin Certificate – Director(s)
  • Copy of KRA Pin – Company
  • Business Profile – Brief history, nature and operation of business
  • Certificate of incorporation
  • Certified copy of the latest change of directors (if applicable)
  • CR12 document
  • Tax compliance certificate
  • Board/directors’ resolution authorizing Opening of an account at Unaitas Sacco & clearly indicating the operating instructions
  • Ksh 100 for investment shares(membership)
  • Original Business Certificate
  • Original ID/Valid Passports – (Owners)
  • KRA Pin Copy – Owners
  • Business Profile – Detailing Brief History, Nature and Operation of Business.
  • Ksh 100 for purchasing investment shares.
  • For partnerships – Certified copy of partnership deed.

Biashara Current Account

  • No minimum balance.
  • Has no ledger fee.
  • Access your account via alternative channels.
  • Access to cheque book.
  • Dedicated relationship officer to offer expert advice.
  • Access to business clinics and seminars.

Biashara Savings Account

  • Minimum balance of Kes 2000.
  • Access your account via alternative channels.
  • Access to cheque books.
  • Has no ledger fee.
  • Dedicated relationship officer to offer expert advice.
  • Access to business clinics and seminars.

Chama Account

An account targeting registered welfare and social groups.

  • No monthly charges
  • No minimum balance
  • Unlimited withdrawals
  • Realtime statements via Chama APP.
  • Earns interest annually.
  • Chama insurance services available.
  • Access to Chama Loans up to 10 times the average savings in the Chama Account.
  • Access to free chama workshops.
  • Assignment of a dedicated relationship officer to the group.
  1. CHAMA (SELF HELP GROUPS) ACCOUNT

Requirements:

  • Original National IDs/ Valid Passports 3 or 4 Signatories.
  • KRA PIN copies-signatories.
  • Signed copy of minutes authorizing opening of an account at Unaitas, stating the signatories & clearly indicating the operating mandates.
  • Group’s current copy of constitution –signed by signatories.
  • List of all active group members.
  • Certificate of registration –original and copy.
  • Introduction letter from the relevant registration office.
  • Kshs. 100 for investment shares.

2. CHAMA (UNREGISTERED GROUPS) ACCOUNT

Requirement:

  • Original National IDs/Valid Passports.
  • KRA pin certificate copies.
  • Ksh 100 for buying investment shares.
  • Operating instructions for the account to be indicated during account opening

Church Account

We believe in empowering Churches to realize their visions.

  • No monthly charges
  • No minimum balance
  • Unlimited withdrawals
  • Cheque book available
  • Realtime statements via Unaitas Mobile APP or Web Portal.
  • Access to Loans at affordable rates.
  • Access to seminars.
  • Original Certificate of Registration (Certified)/ Applicable registration documents. 

  • Signed copy of minutes authorizing opening of an account with Unaitas, stating the signatories and the operating instructions for the account. 

  • Introduction letter signed by authorized signatory as approved by the church structure/ constitution. 

  • Originals and copies of the signatories ID’s. 

  • Copies of KRA pin certificates for the signatories. 

  • Ksh 100 investment shares.