Very good customer service.
Knowledge of staff.
About OneUnited Bank
Data updated- Website
- www.oneunited.com
- Category
- Money & Insurance
- Location
- United States
- Status
- Unclaimed
- Last 12 months
- 101 reviews
- Replies to negative
- 100% (19/19)
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About this business
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
Written by the business, not verified by us.Is OneUnited Bank legit?
OneUnited Bank (www.oneunited.com) has a 4.2 out of 5 rating on OK.one, based on 102 user reviews collected here. It is listed under Money & Insurance and its reputation is good. 80% of reviews are 4 stars or higher and 17% are 1 star; The business has replied to 100% of negative reviews; Reviews mostly discuss Customer service, User experience. Last updated 2026-08-12.
What reviewers say
AI generatedReviewers overwhelmingly had a great experience with this company. Customers frequently praise the incredibly friendly and knowledgeable staff members who provide exceptional support during every banking interaction. Many people also genuinely appreciate convenient features like early paycheck deposits and helpful educational tools that make daily financial management much easier. However, some customers also noted frustrating issues regarding delayed payment processing times and unexpected overdraft fees. A few consumers expressed deep dissatisfaction concerning difficult communication with representatives and sudden, unexpected account closures. Other reviewers reported experiencing long waiting periods when trying to transfer funds between accounts or resolve urgent banking problems.
Auto-generated from all reviews of this business. For reference only.What people say
Answers all questions
Answers all questions. Account correct.
Looking for a flexible Bank with great options? Try One United Bank.
I joined One United Bank after learning that Discover purchased Capital One Bank or visa versa. So, I lost my Visa / Mastercard banking capabilities with Capital One Bank and now have Visa with One United Bank. I love the fact that One United Bank processes Debit card transactions the next day, early paycheck processing, free checking, among other great banking options available to customers new or current.
Brooke Traughber United States · 4 reviews · Verified · Experienced 2026-07-30 ·
Closed my Account
One United gave me toll August 7 by letter and per their customer service representative on the 1800 customer service number to deposit money covering a negative balance BUT today I get an email stating they wanted me to complete these surveys due to me "recently closing my account." That's shameful. Why give me till August 7th in two different (contact with me) situations? Thanks for such consideration and honesty.
Awesome customer service
It was the niceness of the customer service. Laniya was extremely helpful and always told me it's ok she understood.
Reply from OneUnited Bank2026-07-29
We are so glad to hear that our customer service was a highlight of your experience. We appreciate your kind words.
Sophie MasseyUnited States · 1 review · Experienced 2026-05-29 ·
DO NOT BANK WITH ONEUNITED
DO NOT BANK WITH ONEUNITED. I was a victim of check fraud back in May and as I write this in July the situation is only getting worse (I’m out $6k can’t afford rent and check fraudulent acts are continuing to post in my account and I can’t get them to close my account no matter how many times I call.) Save your money from their disorganized unethical mess and put it in a basicass bank that has their shit together.
Reply from OneUnited Bank2026-07-29
Protecting our members is our top priority. To properly investigate claims under our account terms and regulatory standards, specific documentation is required. Because we cannot discuss private account information publicly, please reach out to us at (877) 663-8648 or oneunited.com/contactus so we can obtain the necessary information and assist you directly.
The customer service was exceptional
The customer service was exceptional! They answered all of my questions and gave me very important information that I needed. They were very understanding, professional and kind! I gave them 5 stars! Thank you, One United Bank!
Reply from OneUnited Bank2026-07-13
Thank you so much for your wonderful 5-star review! We truly appreciate you taking the time to share your experience. We're delighted to hear that our team was able to answer all of your questions and provide the information you needed. Delivering understanding, professionalism, and kindness is what we strive for every day. Thank you for choosing OneUnited Bank.
I had this bank all of 3 months
I had this bank all of 3 months. I switch and had all of my deposits put here. Was able to successfully make transfers and everything. Just last week, all of a sudden, my acct cancels transfers, no reasons, even though my name is on all of my accounts. This happened during closed holiday hours. Yesterday was Monday, I was able to set up bill pay. Hours later, my transfer profile is suspended. By the end of the night, my bank acct is closed with no explanation, no remedy. Im guessing its like the typical thing when you are representing that particular group. We have to strive to be better than the other guy, prove we belong and that we can also put on the big boy pants. So instead of remedying the issue, they view me as some sort of flight risk and just canned me. Even though I have a good banking reputation and have been with my other bank for over 20yrs. But I guess its better to find out who they are now than years later. Shouldve known better than to try a bank that isnt even nationwide. Call myself trying to "support my own". Just another reason why many of us dont.
Reply from OneUnited Bank2026-07-29
Thank you for your review! We want to clarify that our decision to close an account is never based on personal assumptions, background, or customer intent. As a financial institution, we operate under strict regulatory standards and internal compliance policies designed to protect both our depositors and the security of the banking network. Under our Deposit Account Agreement: Account Closures & Suspensions: The Bank maintains the right to suspend electronic transfer services or close a deposit account at any time without advance notice. While we strive to provide a seamless experience, accounts may undergo automated or manual reviews for risk, security, or compliance reasons. Electronic Funds & Transfer Limits: Electronic transfers and ACH transactions require specific verification and risk clearance. If a transaction or profile triggers a security flag, transfers may be cancelled or restricted automatically to prevent potential losses or unauthorized activity. Discretionary Decisions: When an account is flagged for review or closed by the Bank, our support team is often restricted from providing specific operational details due to security and regulatory compliance guidelines.
Black excellence at its best.
Black excellent
Reply from OneUnited Bank2026-07-13
Thank you for your feedback. We appreciate you taking the time to share your experience.
Great customer service skills
She listened and understood my concerns
Reply from OneUnited Bank2026-07-02
Thank you for your kind review! We're so glad to hear that you felt listened to and that your concerns were understood. Providing compassionate, attentive service is very important to us, and we're happy we could make your experience a positive one. We truly appreciate your recommendation and look forward to serving you again in the future!
I appreciate the hard work this bank…
I appreciate the hard work this bank has done to make my experience better than any other bank company it is even teaching me how to save my money and how to invest,this bank lets me be aware of bank fraud if they don't recognize certain transactions I make I love how they are.
Reply from OneUnited Bank2026-06-25
Thank you for your kind words and for sharing your experience with us. We're delighted to hear that our educational resources, fraud protection measures, and banking services have made a positive impact on your financial journey. Helping our customers save, invest, and bank with confidence is our priority. We truly appreciate your trust and look forward to continuing to serve you.
Great service makes me feel honored to
Great service makes me feel honored to have made the wise decision to join a indigenous own banking establishment. I have banked with just about every one of these financial institutions. But, this is the one and only that gives me the feelings of real being at home. Thank you
Reply from OneUnited Bank2026-06-24
Thank you for your thoughtful review. We are honored by your trust and grateful that you chose to bank with us. Knowing that you feel welcomed and at home with our institution is the highest compliment we can receive. We appreciate your support and look forward to continuing to serve you.
Honesty!!!
Reply from OneUnited Bank2026-06-15
Thank you for your feedback. We appreciate you taking the time to share your experience.
Stay away from this bank
Stay away from this bank, if you have money in their accounts and do not use it they will take it and refuse to restore your balance. Their reason is "Inactivity" That's how the 1st Black owned Bank does business
Reply from OneUnited Bank2026-06-02
Thank you for sharing your feedback. We take all customer concerns seriously and appreciate the opportunity to clarify our policies regarding inactive accounts. Like all financial institutions, OneUnited Bank is required to follow state and federal regulations governing dormant or inactive accounts. Under these laws, if an account has no transaction activity for a specified period (typically two years or more), standard monthly service fees apply. Furthermore, if an account remains inactive and unreachable for an extended period (usually three to five years depending on state law), banks are legally mandated to transfer those funds to the state treasurer's office through a process called "escheatment". Funds escheated to the state are never taken by the bank; they are held by the state treasurer until claimed by the rightful owner. Before this process occurs, we send written notifications to the address on file to help customers reactivate their accounts and prevent any fees or transfer of funds.
The service is wonderful 👍
Reply from OneUnited Bank2026-05-27
We are so happy you enjoyed your experience with our service. We appreciate your kind words.
That's good experience
Reply from OneUnited Bank2026-05-19
Thank you for your positive feedback!
Customer Soultions had a very pleasant…
Customer Soultions had a very pleasant experience.
Reply from OneUnited Bank2026-05-07
We're happy to hear that you had a pleasant experience. Thank you for your positive feedback.
Online service
It was a amazing service
Reply from OneUnited Bank2026-05-07
We are glad you had an amazing experience with our service. Thank you for your positive feedback.
Valerie FuquaUnited States · 1 review · Verified · Experienced 2026-04-30 ·
The experience was effortless!
Reply from OneUnited Bank2026-05-04
Thank you for your positive feedback!
Banking For #US
The Bank for #US Cu,,,Now Go Start You A #Trust Bra 💰💪🏾
Reply from OneUnited Bank2026-05-04
Thank you for your positive feedback!
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