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.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.
Reviewers 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.I've been Banking with One United Bank 🏦 for over a Decade, and have been very satisfied with their customer service, it reflects on the outstanding training I'm sure they provide to their staff. Thanks
Thank you for your feedback! We’re grateful for your loyalty and glad to hear you’ve been satisfied with our service over the years. We appreciate you banking with OneUnited!
This is really unfortunate. I would not have rated this experience with OneUnited, if I wasn't given a 'run-around.' Two of my payments weren't 'showing up' on my account even after I was emailed verification and funds were withdrawn from the account that paid the payment. I first was instructed to fax/mail a transmission report to the office to verify my payments were made. I completed that task. Then I was told to contact my bank where the payments were withdrawn. I did so. The bank has nothing to offer but confirm - yes - these amounts were debited from your account to OneUnited. Now I am being instructed to resend this transmission report to the office. I've expressed my concern and disappointment in the back and forth to each different representative. I do appreciate their desire to handle the matter but this is unacceptable, especially when this 'non-payment for two months' is costing me/ my creditworthiness.. and a deduction in my credit score. One star is for the customer service doing their best. Another star is because it wasn't always like this with my account.. At this point I cannot and will not, recommend OneUnited.
Thank you for your review! We're happy we were able to assist you with your UNITY Visa Card payment. Please ensure your payment includes your current and correct account information to be processed. Payments are only rejected if the account details are incorrect or outdated. To make a payment for your UNITY Visa Secured Credit Card, you can choose from these options: Mail a check or money order to: UNITY Visa, P.O. Box 4521, Carroll Stream, IL 60197-4521 Remember to include your card account number on the check. Use your bank's bill pay service. Pay Online using Speedpay by clicking here (A service fee applies). Pay by Phone using Speedpay: Call (844) 231-6368 (A service fee applies). Please review our blog article for more assistance https://community.oneunited.com/s/article/UNITY-Visa-Credit-Card-Make-Payment
Customer Service . I would like to get a timely response to a check deposit in which I was told to expect a response in 24 hours for a one time deposit exceeding amount it’s been between 36/40 hours no response Im sure it’s a higher up decision, other than that customer service great.
We appreciate you taking the time to share your wonderful customer service experience with us. We are so happy to hear that you enjoyed it!
Signup was quick seamless and hassle-free. One of the better experiences I've had signing up for an account in a while.
We're happy to hear that your signup was quick and seamless! It's great to know that you had a hassle-free experience creating your account. Thanks for your positive feedback.
The Bank personnel who assisted me was very professional, efficient, courteous, helpful, and provided me with OUTSTANDING SERVICE! Most importantly she addressed me by my Sir name. I consider this to be the height of professionalism and respect!
We're happy to hear that you received outstanding service! We appreciate your recognition of our personnel's professionalism, efficiency, and courtesy. It's great to know that you felt respected. Thank you for your positive feedback.
Terrible bank, awful customer service, you can barely access your money. I closed my account w them and it took over a month to get the check and clear. No one working there knows anything, they transfer you to another person who knows nothing. It’s just bad and sadly so unorganized
At OneUnited Bank, you can access your banking information 24/7 through our online services. We offer several ways to move money, including money transfers, funds transfers, and third-party apps. We apologize for any inconvenience you experienced and appreciate your feedback.
The nature of the call was handled professionally and courteous
We are happy to hear that your call was handled professionally and courteously. We appreciate your positive feedback and your time.
The OneUnited team member who assisted me with an issue related to accessing my online bank account was incredibly efficient. She was friendly and addressed my concern smoothly. As a new OneUnited member, I am impressed and happy with the customer service that I received. I am glad to be banking at OneUnited.
We're happy to hear that the team member efficiently resolved your online access issue. We appreciate your positive feedback as a new member, and we're glad you're satisfied with our customer service. Thank you for banking with us!
This bank has this best customer service ever.
We appreciate you taking the time to share your wonderful customer service experience with us. We are so happy to hear that you enjoyed it!
The customer support person who assisted me is knowledgeable about the reason why my son and I were not able to transfer funds between our separate One United accounts. I don't remember the date of my experience. It's been too long to provide this survey.
We appreciate you sharing your experience. We're happy to hear that the customer support person was knowledgeable in assisting you with the fund transfer issue. Thank you for your time!
Customer service was 💯. They took care of everything for me. I asked about my account and she knew what to do. I forgot the person name.
We're happy to hear that our customer service met your expectations! We appreciate you taking the time to share your positive experience with us.
I previously shared my concerns about the lack of basic banking services at OneUnited Bank and received what felt like a generic, automated response assuring me that those services exist. That’s nice in theory—but in practice, it’s been a different story. It has been impossible to locate an ATM where I can deposit a check. And before you say “just use mobile deposit”—yes, I tried that. But there’s a cap on how much I can deposit online. So I called, thinking I could get a one-time authorization to deposit a larger amount. They could verify the funds, right? Simple enough. Wrong. After managing accounts with multiple banks, I can confidently say this experience has been unnecessarily difficult. I want to support a Black-owned bank. I want to be part of a financial institution that reflects my values. But the lack of accessible, functional services makes that nearly impossible. Please—get it together. Your mission deserves better execution.
Thank you for your feedback. We regret the difficulty you've experienced with both finding deposit-taking ATMs and the limits on our Mobile Deposit Service. We understand your frustration and value your commitment to supporting a Black-owned bank.We want to provide you with clear alternatives for check deposits: Check Deposit Options Mobile Deposit Limits: Your daily and monthly deposit limits may vary and can be amended at any time without prior notice. If a deposit exceeds these limits, we may reject it. Mail-In Deposits: You can mail your check directly to OneUnited Bank for deposit.
The lady help you can tell she love her job so much because she help so much and beyond ❤️
We're happy to hear that the helpful service made your experience so positive. Thank you!
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Thank you for your review!
Always has good customer service, and very good bank overall.
We appreciate you taking the time to share your positive experience with our customer service and overall banking services.
Great experience
We are happy to hear that you had a positive experience!
Every agent that I have ever spoken with at OneUnited Bank, has been very knowledgeable, supportive, and friendly. Not only does that kind of telephone etiquette present positive vibes… it makes the customer happy with their selection of OneUnited as their financial institution.Great Banking Experience
We appreciate you sharing your positive experience with our agents. We are happy to hear that their knowledge, support, and friendliness made you happy with your choice to bank with us. Thanks for the great feedback!
This was one of the worst banking experiences I had. Everything Masta says to do, these criminals do. I bought an unsecured credit card called Unity Visa Card from these criminals. I added money before spending and they refused to acknowledge the extra money I put on the card to extend the credit. They came up with all kinds of deceit, why not to put my money to increase my credit limit. They created incomprehensible transaction reports to try to hide the extra money I put on the card to extend the credit. One agent said and they advertise, that the money you put on the card, dollar for dollar increases the credit limit. It's a lie. I would not recommend anyone to this bank. The legal abuse and fraud is a disgrace to ALL people, especially it being an alleged Black Bank. It felt like banking with the KKK. This is a revenge for hire, whatever Massa say do, we do, entity specializing in bank deregulation and exclusionary criminal practices. I tried for months to get them to respect consumer protection laws and nothing changed. They are an embarassment to the black race, specializing in the use of law in a manner not authorized. I closed the account and would not recommend a dog here.
We are sorry to hear about your experience with the UNITY Visa Card. We would like to clarify some of the points you raised, based on the terms outlined in the Cardholder Agreement. The UNITY Visa is a secured credit card , which means it requires a security deposit as collateral for the account. The credit limit is the amount of credit the Issuer will extend to the Holder's account. The agreement states that the security deposit cannot be used to pay off the balance on the account. The security deposit will be released no later than 30 days after the final payment is received, the balance is zero, and the account is closed. The annual fee is assessed in the first billing period and on each anniversary date thereafter. This fee is charged before you begin using your card and will reduce your initial available credit. As an example provided in the agreement, if a credit limit is $300, the initial available credit would be $261 due to the annual fee. If you believe there is an error on your statement, the Cardholder Agreement outlines a specific process for addressing it. You must contact the bank in writing within 60 days of the error appearing on your statement. The bank then has 90 days to either correct the error or explain why they believe the bill is correct. While they investigate, they cannot report you as delinquent for that specific amount, but they may continue to charge interest on it. We hope this information helps clarify how the card functions.
Thanks For Your Speedy Service And Understanding 👌!!
We are happy to hear that you had a positive experience with our speedy service. Thank you for your kind words and appreciation!
Withdrawal capability was disabled abruptly without adequate clarification.
We would like to hear more from you so that we may provide you with assistance. Please submit your contact information and a summary of your experience via our Contact Us page at www.oneunited.com/contactus. We look forward to speaking with you!
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