Invited
I have been online banking with OneUnited for some years now. I have been pleased. I recently ordered checks for my account. After the first use, they contacted me by email and phone multiple times to... See more
Company replied
Companies on Trustpilot can’t offer incentives or pay to hide any reviews.
Review summary
Based on reviews, created with AI
See what reviewers are saying
Invited
I love the way it was made to be simple and easy for everyone who may not be computer savvy. Also, it was easy to make your deposit quick without having to wait a long time. Plus, the referral rewards... See more
Company replied
Invited
OneUnited Bank is a bank that helps lower income individuals learn financial independence. The bank offers tools such as autosave and money management. Money management allows you to track all your ac... See more
Company replied
I have not had a pleasant experience since joining this bank almost a year ago. The customer service is nonexistent. This has only been my third time reaching out. I feel as though this bank is bett... See more
Company replied
Company details
- #18 of 28 best companies in Bank
- #79 of 112 best companies in Financial Institution
- #9 of 11 best companies in Financial Planner
About OneUnited Bank
Written by the company
OneUnited Bank is America’s largest Black-owned FDIC-insured bank. The bank is nationally noted for its use of state-of-the-art technology to create unique financial products that serve the needs of low-to-moderate income communities and historically underserved minority populations.
At OneUnited, banking isn’t just a service, but a technology-driven, personalized experience to help you make informed financial decisions.
Join the future of finance!
The Financial Brand and American Banker featured OneUnited Bank for its innovative use of artificial intelligence and data aggregation technology to boost financial literacy, offer payday loan alternatives, improve users' financial health, and bridge nationwide economic and opportunity gaps.
OneUnited Bank's national achievements have also recently been published in several publications, including Cheddar TV from the New York Stock Exchange (twice), CNN, Forbes, Fortune Magazine, CNBC’s “Squawk on the Street”, and Bloomberg.
CNBC recently produced a documentary showcasing OneUnited Bank’s impact on historically underrepresented minority populations. The full episode can be viewed here.
OneUnited Bank is certified by the U.S. Department of Treasury as a Community Development Financial Institution (CDFI).. This past year, we received the U.S. Department of Treasury's Bank Enterprise Award for Community Development and have been honored on eleven previous occasions.
OneUnited Bank recently received the prestigious, first-annual Talent Maximization Award for Community Financial Literacy Innovation at the Investment Diversity Advisory Council (iDAC) Global Finance Summit 2024. This award recognizes OneUnited's pioneering use of technology to empower individuals from low-to-moderate income communities and historically underserved minority populations to make better financial decisions.
For more than 50 years we’ve been focused on fostering better financial wellness for the communities we serve. This clarity of vision and mission is reflected in everything we do. Our goal is to unite a variety of communities to share ideas, technology, and management resources to better meet the banking needs of their communities.
Learn more about our community impact HERE
Contact info
United States
- www.oneunited.com
4.4
Excellent
592 reviews
Replied to 100% of negative reviews
Typically replies within 1 week
Invited
Superior Financial Institution
I have been online banking with OneUnited for some years now. I have been pleased. I recently ordered checks for my account. After the first use, they contacted me by email and phone multiple times to confirm my identity before honoring the check. They have an unparalleled layered verification system and confirmed who I was. In a world moving in haste, they made it their business to protect my interests. I applaud the systematic steps taken for my financial protection.
Date of experience: June 20, 2025
Reply from OneUnited Bank
We appreciate your many years of online banking with us. We are happy to hear that our verification system gave you confidence. It is our priority to protect your interests through strict security protocols. Thank you for your feedback. Thank you for banking with OneUnited!
Invited
My situation was handled in a timely…
My situation was handled in a timely manner, and the agent was professional and courteous,fully understanding and compassionate and quickly resolved my issue.
Date of experience: June 21, 2025
Reply from OneUnited Bank
We're happy to hear that your situation was handled promptly by our team. We appreciate your positive feedback! Thank you for banking with OneUnited!
Someone commits fraud on your account they don't protect you
I never received my debit card in the mail and someone committed fraud with it. I actually called them 3 days before the fraud appeared on my account to tell them I never got it and they told me they couldn't do anything until a certain date which was the same date that all the fraud transactions occurred on my account. One United Bank refused to refund the full amount even after multiple calls and now I have had to file the case with the NYS Department of Financial Services and send them a certified letter to anyone to bother to look further into it.
Plus they contract out their fraud services and these people don't even have their business straight because I've gotten three different claim numbers one of which was never on any of the documentation that I received or given to me during any of my calls.
Date of experience: May 12, 2025
Reply from OneUnited Bank
Thank you for sharing your feedback. We are glad a customer service agent was able to speak with you to confirm you received the necessary information needed to submit a transaction dispute. If you need assistance, please call us at 877-663-8648, Monday through Thursday from 9 AM to 8 PM ET and Fridays from 9 AM to 9 PM ET.
Invited
Their advertising is simply and…
Their advertising is simply and straightforward. No gimmicks or other information needed once completing a simple application.
Date of experience: June 03, 2025
Reply from OneUnited Bank
We're happy to hear that our straightforward advertising and simple application process worked well for you. Thank you for your positive feedback; we appreciate it. Thank you for banking with OneUnited!
Invited
I Love this bank because it's the best…
I Love this bank because it's the best bank ever and great customer service 💯💪🏾❣️❣️❣️❣️
Date of experience: June 07, 2025
Reply from OneUnited Bank
Thank you so much for taking the time to share your positive experience! We are thrilled to hear that you consider us the best bank ever and that you've had a great experience with our customer service.
Invited
I love the way it was made to be simple…
I love the way it was made to be simple and easy for everyone who may not be computer savvy. Also, it was easy to make your deposit quick without having to wait a long time. Plus, the referral rewards was instantly granted. I would recommend choosing this bank to all friends and family.
Date of experience: June 05, 2025
Reply from OneUnited Bank
Thank you for your positive feedback! We're happy to hear that our platform is simple and easy to use, especially the quick deposit feature and instant referral rewards. We appreciate you recommending us to your friends and family. Thank you for banking with OneUnited!
Invited
Debit card got jammed in the ATM machine.
It was quick and fast food customer service thanks.
Date of experience: June 01, 2025
Reply from OneUnited Bank
Thank you for your positive feedback; we appreciate it a lot. We're glad you enjoyed your quick experience with OneUnited. Thank you for being a part of OneUnited!
Invited
The caring and the professionalism from…
The caring and the professionalism from its customers service
Date of experience: May 29, 2025
Reply from OneUnited Bank
Thank you for the positive feedback. We're glad you found our customer service caring and professional. Thanks you for being apart of OneUnited!
I have not had a pleasant experience…
I have not had a pleasant experience since joining this bank almost a year ago. The customer service is nonexistent. This has only been my third time reaching out. I feel as though this bank is better for middle to high earners that have flexibility when it comes to money. If you are on the lower end of the spectrum I would not suggest this bank black owned or not.
I appreciate your response but if I felt I was treated with respect or dignity. I would not have taken my time to write a review. I’m sure there are those with pleasant experiences, mine however was not.
Date of experience: May 20, 2025
Reply from OneUnited Bank
Thank you for sharing your feedback!
We understand your frustration when it comes to customer service. We treat all customers with respect, dignity, and personal attention to their banking need regardless of their account balances. Our customer service lines are open Monday-Friday 8:00 a.m-5:00p.m PST/ 9:00 a.m-8:00p.m EST. Thank you for being a part of OneUnited!
Invited
One United Bank is INCREDIBLE
Their service and attention to details is unmatched. Truly a bank that is FOR the people.
Date of experience: May 06, 2025
Reply from OneUnited Bank
Thank you for your feedback. We are thrilled to hear that you appreciate our commitment to providing exceptional service and attention to detail. We strive to make banking a positive experience for all our customers. Thank you for being apart of OneUnited!
Invited
Great customer service
Great customer service. And I know my funds are safe.
Date of experience: April 28, 2025
Reply from OneUnited Bank
Thank you so much for your kind words! We're thrilled to hear that you've had a positive experience with our customer service and that you feel your funds are in safe hands. Thank you for being apart of OneUnited!
Invited
I sent an email to OneUnited Bank late…
I sent an email to OneUnited Bank late yesterday evening on how to resolve an issue I encountered. Today I received a prompt & detailed response with complete steps to help me resolve my issue. Thank u OneUnited Bank customer service😊
Date of experience: April 28, 2025
Reply from OneUnited Bank
Thank you so much for sharing your experience with us! We’re truly glad to hear that our customer service team was able to respond promptly and provide the detailed support you needed. At OneUnited Bank, we’re committed to being here for our customers every step of the way, and it's wonderful to know we could assist you so effectively.
Hi sir I want to take a loan for this bank
Hi sir I want to earn money to invest
Date of experience: April 24, 2025
Reply from OneUnited Bank
Thank you for your feedback. We here at OneUnited offer the CashPlease Loan, which is offered to help eligible checking account holders to access funds quickly with no credit check. To learn more about the CashPlease Loan and the eligibility requirements visit https://www.oneunited.com/cashplease/. Thank you for being apart of OneUnited!
Reply from OneUnited Bank
Thank you for your feedback.
Invited
Quick and easy application process.
Date of experience: April 16, 2025
Reply from OneUnited Bank
Thank you for sharing your feedback! We're delighted to hear that you found the application process quick and easy. At OneUnited, we strive to provide our customers with a seamless and efficient experience, and it’s wonderful to know we were able to meet your expectations. Thank you for being apart of OneUnited!
Invited
Great customer service
The customer service representative was impressively professional, remarkably knowledgeable, and exceptionally helpful.
Date of experience: April 16, 2025
Reply from OneUnited Bank
We sincerely appreciate your thoughtful feedback. It's wonderful to hear that our customer service representative made such a positive impression by demonstrating professionalism, in-depth knowledge, and a commitment to being truly helpful. Thank you for being apart of OneUnited!
Had an account with them
Had an account with them, but let me start at the beginning. First of all, they make it extremely hard to deposit money. I was told to go to either Walgreens or CVS to make a deposit because there are no branches near me. So the ATM that takes deposits doesn't! Then they say you can make deposits at the register. You can, but it costs you $5 for every $500 you deposit. This has to be a joke! So the next issue, they allow you to add an external bank to transfer funds into your account, another joke! So I set up my other account to transfer funds into the account. The first one goes well with no problems. The second transfer I initiate was something totally different. I get an email saying that the transfer was stopped by my other bank. I call my other bank and they say that it wasn't them that stopped the transfer, so I call OneUnited. One United tells me that they will send me an email so that I can verify my external account, so I say no problem. I never got that email. The email that I did get was an email saying that my account was being closed for deposit fraud. Deposit fraud? I call and tell the customer service representative that I have all the proof that the account belongs to me and guess what she says? "I'm sorry, sir, but your account is being closed so get all your money out of our bank before 4/28/25." Seriously? I tried supporting my own and look what it got me! Makes no sense when all they had to do was verify my account. After reading all the other horror stories associated with this bank, I'd advise anyone considering joining to steer clear!
Date of experience: April 11, 2025
Reply from OneUnited Bank
Thank you for taking the time to share your feedback with us! We recognize that accessing surcharge-free deposit options in rural areas can sometimes be challenging. To help address this, we offer cash-to-card locations, although please note that these merchants typically charge a small fee for their service. Regarding bank-to-bank transfers, we want to assure you that our deposit and identity verification processes are in place to prioritize the security and protection of all customer accounts against potential fraud. As outlined in our Deposit Account Agreement Disclosure, OneUnited Bank does reserve the right to close accounts or terminate services when necessary, and this is a measure we take seriously.
Really quick customer support
Really quick customer support, so I had to leave a good review. Needed some help tracking down an ATM and they were really helpful
Date of experience: April 04, 2025
Reply from OneUnited Bank
Thank you so much for taking the time to share your experience with OneUnited Bank. We truly appreciate your kind words and are delighted to hear that our customer support team was able to assist you quickly and effectively. Helping our customers with their financial needs — whether it’s something as simple as locating an ATM or something more complex — is at the heart of what we do. Thank you for being apart of OneUnited!
Disappointed customer
I have been a OneUnited customer since 2020 for the sake of supporting a Black owned bank. I was excited to move away from the big banks such as Wells Fargo and Bank of America. Things started off great. I enjoy getting paid 2 days early. However this is my 3rd time out of the country and each time I have had difficulty accessing my money or using my card. This is a horrible feeling traveling abroad as a single woman and not having access to necessary funds. I have called customer service multiple times, included my travel plans in the app and still NO ACCESS to money. When I call they tell me I have to wait 24-48 hours. Or I can’t get anyone on the phone at all. For this reason alone, when I get back to the states I will be closing this account and opening one with my local credit union. I am saddened by this decision but as a person who frequently travels I do not feel safe or supported with this bank.
Date of experience: April 04, 2025
Reply from OneUnited Bank
Thank you for your feedback. We understand how frustrating and unsettling it can be to not have access to your funds, especially in an unfamiliar place. We understand that the wait time to process your request isn't immediate but unfortunately 24-48 hours is our standard for all requests including travel notifications. If you need further assistance, or would like to speak to our customer care specialists please feel free to contact us at 877-663-8648.
Invited
Great customer service from all the…
Great customer service from all the representatives that took my call.
Date of experience: March 31, 2025
Reply from OneUnited Bank
We're thrilled to hear that you had a positive experience with our customer service team. Providing excellent support is our priority, and it's wonderful to know that our representatives were able to assist you. Thank you for being apart of OneUnited!
The Trustpilot Experience
Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.
Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.
Learn more about other kinds of reviews.
We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.
Learn about Trustpilot’s review process.
Here are 8 tips for writing great reviews.
Verification can help ensure real people are writing the reviews you read on Trustpilot.
Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.