Frequently Asked Questions

Opening an account with Equinox Union is quick and fully online. Simply visit our website or download the Equinox Union app, click "Open Account", provide your valid ID, proof of address, and complete a short verification process. Your account will be active within 24 hours.

You will need a valid government-issued ID (passport, driver's license or national ID), proof of address (utility bill or bank statement not older than 3 months), and your Tax Identification Number (TIN). For business accounts, additional documents such as CAC certificates may be required.

Equinox Union offers a full range of accounts including Personal Savings, Current Accounts, Fixed Deposit Accounts, Student Accounts, Young Savers Accounts, and Business Accounts. Each account comes with unique benefits tailored to your financial goals.

Minimum balance requirements vary by account type. Personal savings accounts require a minimum of $10 to open. Current accounts have no minimum balance. Fixed deposit accounts start from $500. Please visit our accounts page for full details on each account tier.

Transfers between Equinox Union accounts are instant, 24/7. Transfers to other banks typically process within 1–2 business days depending on the receiving institution. International wire transfers may take 2–5 business days. You will receive a notification once your transfer is confirmed.

Yes. Equinox Union supports international payments to over 100 countries via SWIFT wire transfers. You can initiate international transfers directly from your online banking dashboard or mobile app. Competitive exchange rates and transparent fees apply. Check our rates page for current pricing.

Standard daily transfer limits are $10,000 for personal accounts and $50,000 for business accounts. ATM withdrawals are limited to $2,000 per day. You can request a temporary or permanent limit increase by contacting our support team or visiting any Equinox Union branch.

Your funds are fully insured up to the maximum limits by the relevant deposit protection scheme. We use 256-bit SSL encryption, two-factor authentication (2FA), real-time fraud monitoring, and biometric login to keep your account secure. Any suspicious activity triggers an immediate alert and account freeze.

If you notice any unauthorized transactions or suspicious activity, immediately freeze your card via the Equinox Union app under "Card Controls", then call our 24/7 fraud hotline at 1-800-EQUINOX. Our fraud team will investigate and reverse any unauthorized charges within 5 business days.

Go to the Equinox Union login page and click "Forgot Password". Enter your registered email address or phone number, verify your identity via OTP, and create a new secure password. For added security, we recommend using a unique password with a combination of letters, numbers, and symbols.

Equinox Union offers Personal Loans, Home Mortgages, Buy-to-Let Mortgages, Auto Loans, Business Loans, and Student Loans. All loans come with flexible repayment periods, competitive interest rates, and no hidden charges. Use our loan calculator on the website to estimate your monthly repayments.

Personal loan decisions are typically made within 24–48 hours of submitting a complete application. Mortgage and home loan approvals may take 5–10 business days depending on property valuation and credit checks. You will receive an email and SMS notification at every stage of the process.

The Equinox Union app is available on both iOS and Android. Search "Equinox Union" on the App Store or Google Play Store and download the official app. Log in with your existing online banking credentials or register directly through the app. The app supports fingerprint and face ID login.

Through our online portal you can view account balances and transaction history, transfer funds locally and internationally, pay bills, manage standing orders and direct debits, apply for loans and cards, download statements, update personal details, and chat with our live support team — all in one place.