Really quick customer support, so I had to leave a good review. Needed some help tracking down an ATM and they were really helpful
OneUnited Bank Reviews 579
•
4.4
Companies on Trustpilot can’t offer incentives or pay to hide any reviews.
See what reviewers are saying
Just needed help finding a local ATM. One kind associate said what I needed was an ATM that accepted cash. Who knew accepting cash would be an issue. She found an ATM near me, actually at my grocery store, that accepted cash. Also she explained the problems I had trying other locations. This was my third ATM stop. Apparently my account was in a non active status. She was so helpful and patient, I asked and she was kind enough to wait until my deposit was accepted to disconnect. GREAT CUSTOMER SERVICE.
Customer service asked the right questions to assist me in articulating my issue. Research was done, problem rectified quickly. Did take two calls but both were helpful! Thanks guys!
I was having trouble with logging into my account, an a simple call made it so easy. I have had a checking account with OneUnited for more then a year. I just made them my Primary Bank. The response with the customer service was quick with a pleasant voice on the other end. Gave me a confidence feeling that I am at the right place..
Company details
- #20 of 35 best companies in Bank
- #79 of 110 best companies in Financial Institution
- #8 of 10 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
579 reviews
Replied to 96% of negative reviews
Typically replies within 2 weeks
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!
Redirected
I am excited about being a OneUnited Family Member…
I am excited about being a OneUnited Bank Family Member. My sign up process was stress free. I did have a question before completing the sign up process so I called the customer service number. Mr. Josh was my customer service representative and he provided me with exceptional customer service. As a result of my successful experience with the online service and Mr. Josh professional customer service, I immediately reached out to a family member about joining the One United Family. It's a new season! It's a new day!
Date of experience: April 01, 2025
Reply from OneUnited Bank
It’s great to hear that your sign-up process was stress-free and that our customer service was able to assist you so well. We are thrilled that you’re already recommending us to your loved ones. Here’s to new beginnings and a bright future ahead at OneUnited!
Invited
Outrageous check hold policy
Started my account at OneUnited because I've heard great things about them through SiriusXM. But, when I did a mobile deposit for my paper payroll check, I was disappointed that they decided to place a 5 day hold on it. When I changed my direct deposit to OneUnited, my employer gave me a check instead of direct depositing to my previous account. When I was told there was no way around the hold, I agreed to wait. Now the hold turned into 9 days, which is definitely a problem. I've contacted OU, spoke with a very nice person in CS, who stated she would send in a request to reduce hold time back down to 5 days. It's been over 24 hours and no reply as of yet. I've even sent documentation showing the check has cleared and included bank's telephone number.
I've never, ever had any bank put a hold on a PAYROLL check. So my suggestion is a hold should be released if the customer can provide proof their deposited check has cleared. I can't pay bills without money in the bank. So OU has my money in their bank that I cannot access. This is a zero star review, but I'm giving one star for ease of use and another for the good live customer service.
Date of experience: March 27, 2025
Reply from OneUnited Bank
We understand your frustration regarding Mobile Deposit Holds. Thank you for taking the time to share your feedback. As stated in the Mobile Deposit Agreement, all deposits are automatically subject to a 5 business day hold. Longer holds may apply. The Bank will notify you by email if there is any type of additional delay in your ability to withdraw funds for any reason, which may be up to 9 business days. For further details, please refer to the Mobile Deposit User Agreement: https://www.oneunited.com/disclosures/Mobile-Deposit-User-Agreement.pdf
Invited
They are very professional and you feel…
They are very professional and you feel like they really want to help.
Date of experience: March 14, 2025
Reply from OneUnited Bank
We're thrilled to hear that you had a positive experience with us. We truly care about supporting our customers, and we're so glad that our professionalism and commitment to helping you came through. Thank you for being apart of OneUnited Bank!
Invited
LITTLE OLD LADY
Just needed help finding a local ATM. One kind associate said what I needed was an ATM that accepted cash. Who knew accepting cash would be an issue. She found an ATM near me, actually at my grocery store, that accepted cash. Also she explained the problems I had trying other locations. This was my third ATM stop. Apparently my account was in a non active status. She was so helpful and patient, I asked and she was kind enough to wait until my deposit was accepted to disconnect. GREAT CUSTOMER SERVICE.
Date of experience: March 31, 2025
Reply from OneUnited Bank
We're so glad to hear that our associate was able to help you find the right ATM and provide the support you needed. We truly appreciate your patience throughout the process, and we're happy she could stay with you until your deposit was successfully completed. Thank you for being apart of OneUnited Bank!
Invited
Customer service is alive
Customer service asked the right questions to assist me in articulating my issue. Research was done, problem rectified quickly. Did take two calls but both were helpful! Thanks guys!
Date of experience: March 21, 2025
Reply from OneUnited Bank
We're so glad our team could ask the right questions to help you express your issue and quickly resolve it. We appreciate your patience with the two calls, and we're happy both were helpful. Thank you for being apart of OneUnited Bank!
Invited
This Bank Engages with You on a Big Scale even when you are just a small customer. Gotta Love OUB
The customer service agent was warm, professional and very informed. She took time to be sure I was totally satisfied.
Date of experience: March 14, 2025
Reply from OneUnited Bank
We're thrilled to hear that our customer service agent was able to provide you with a warm and professional experience. Your satisfaction is our top priority, and we're glad she could help ensure you were completely happy. Thank you for being apart of OneUnited Bank!
I was having trouble with logging into…
I was having trouble with logging into my account, an a simple call made it so easy. I have had a checking account with OneUnited for more then a year. I just made them my Primary Bank. The response with the customer service was quick with a pleasant voice on the other end. Gave me a confidence feeling that I am at the right place..
Date of experience: April 01, 2025
Reply from OneUnited Bank
Thank you for sharing your experience! We're so glad our team was able to assist you quickly. Thank you for being apart of OneUnited Bank!
Invited
Service committment
The young lady seemed committed to assist & do all that ahe could to help.
Date of experience: March 27, 2025
Reply from OneUnited Bank
We're so glad to hear that you had a positive experience! It's wonderful to know that our team member was able to provide you with the assistance you needed.
Redirected
Venmo direct transfer incurs fees even though the regular transfer does not. Not refunded fully or acknowledged
Monthly I make a transfer from my Venmo account into my savings account, but for two months ( Dec + Jan) I received a fee despite the transfer being made. The rep and their manager insisted this fee is always charged and that's incorrect. When I initiated the transfer in Venmo as a regular 2-3 day transfer, no fee. But the instant deposits show up in the account as Real Time Payment Deposit VENMO vs External Deposit VENMO CASHOUT. The cashouts incurred no charge. The rep insisted I was wrong until I pointed out the difference. They then told me refunds aren't usually given but did a one time return for one but not both of the fees.
At this point, I am not sure this is the account for me. It's not my main account and don't feel like playing games every month for an account that doesn't even have any interest for my troubles. My other accounts at capital one or greenwood has no fees and interest in the checking and in the basic savings with no limits. I opened this during the pandemic trying to bank black but at this point, I've spent more in fees than I've saved.
Date of experience: March 17, 2025
Reply from OneUnited Bank
Thank you for your feedback. We acknowledge your concerns regarding the fees associated with transferring funds from Venmo to your savings account. Please be aware that instant deposit fees are commonly applied by third-party payment platforms. For specific details regarding Venmo's fee structure, we advise contacting them directly. To continue assisting you, we require the requested information as soon as possible via Trustpilot. If you have received incorrect charges applied to your account, please contact our disputes team at 844-202-5070 for assistance.
Invited
OneUnited Bank Was Very Helpful.
Date of experience: March 28, 2025
Reply from OneUnited Bank
We appreciate your kind words and are glad to hear that our bank was very helpful. Thank you for being apart of OneUnited!
Invited
Reply from OneUnited Bank
Wonderful! Our team works hard to ensure a streamlined and convenient experience for our customers. Thank you for choosing OneUnited!
Invited
Transparency in doing business with…
Transparency in doing business with them and the staff is very welcoming and very friendly..
Date of experience: March 24, 2025
Reply from OneUnited Bank
That's wonderful to hear! We're glad you've experienced transparency and a welcoming atmosphere with our team.
Invited
Reply from OneUnited Bank
Thank you for your feedback! We're glad our team was polite, direct, and able to resolve your issue. We appreciate you banking with 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.