OneUnited Bank Reviews 637

TrustScore 4.5 out of 5

4.4

Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews.

Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the bank's exceptional customer service, highlighting the kindness, respect, and knowledge of the staff. Many reviewers appreciate the prompt and detailed responses they receive when addressing issues, with representatives often going above and beyond to ensure customer satisfaction. People also value the bank's commitment to helping individuals achieve financial independence through tools like autosave and money management. Consumers find the application process easy and efficient, with some receiving responses within minutes. The availability of various banking products without monthly fees is also a significant advantage for reviewers. While opinions on payment and contact experiences vary, the overall sentiment towards the bank's service and staff remains overwhelmingly positive, with many customers recommending OneUnited Bank to others.

Based on these reviews

Rated 4 out of 5 stars
Invited

The only thing somewhere far I don't like is, you don't let people know they have overvdraft protection if they don't want it. So merchant take from your account that they don't have permission or una... See more

Rated 4 out of 5 stars
Invited

They are working to make their online and mobile banking seamless one each transaction. No problems without immediate feedback from bank,

Company replied

Rated 4 out of 5 stars
Invited

I was in error and the customer support person was very patient and professional. Guided me to understanding the oversight on my part. Glad this is my bank of choice.

Company replied

Rated 4 out of 5 stars
Invited

All responses were met promptly and the card design looks amazing. No hesitation about the account process and all is well explained.

Company replied

Rated 5 out of 5 stars
Invited

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 mem... See more

Company replied

Rated 5 out of 5 stars
Invited

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... See more

Company replied

Rated 5 out of 5 stars
Invited

Being in a position of hearing "no" for an answer, I found the answer at OneUnited is always "yes"! In these times sometimes uncertain, this is a bank you always needed, thanks for asking!

Company replied

Rated 5 out of 5 stars
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

Rated 5 out of 5 stars
Invited

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. Tha... See more

Company replied

Rated 5 out of 5 stars
Invited

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... See more

Company replied

Rated 5 out of 5 stars
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

Rated 5 out of 5 stars
Invited

This is a great company to bank with, I've been with this bank since late last year & have had nothing but great experiences each time I contact them & when I'm using my card. This company has some wo... See more

Company replied

Rated 5 out of 5 stars
Invited

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 s... See more

Company replied

Rated 5 out of 5 stars
Invited

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 n... See more

Company replied

Rated 5 out of 5 stars
Invited

I joined the organization specifically because it is one of just a few black owned banks. I have enjoyed my experience because they didn't give me problem, but when I did have issues they resolved it... See more

Company replied

Rated 5 out of 5 stars
Invited

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... See more

Company replied

Rated 5 out of 5 stars
Invited

I have been banking with one United Bank for about 5 years now so far I have come to love one united and they're banking practices everyone that I have spoken with in customer service have been real... See more

Company replied

Rated 5 out of 5 stars
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

Rated 5 out of 5 stars
Invited

I was disappointed I couldn’t get the account I wanted (I paid for negative info to be removed from Checksystem but it may still be on). I was very happy to be offered and approved for another checkin... See more

Company replied

Rated 5 out of 5 stars
Invited

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!

Company replied

Rated 5 out of 5 stars

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... See more

Company replied

Rated 5 out of 5 stars
Redirected

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. M... See more

Company replied

Rated 5 out of 5 stars
Invited

Honestly i applied for a secured credit card since last week been trying to put 2 small deposit on link and it wont allow me and the 2 rep haven't been able to help. CAn anyone help me Monique MOr... See more

Company replied

Rated 5 out of 5 stars
Invited

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... See more

Company replied

Rated 5 out of 5 stars
Invited

Signup was quick seamless and hassle-free. One of the better experiences I've had signing up for an account in a while.

Company replied

Rated 5 out of 5 stars
Invited

I recently started banking with OneUnited Bank and couldn't be more impressed. The application process was a breeze, and I received a response within minutes. Their range of fantastic banking products... See more

Company replied

Rated 5 out of 5 stars

My son got a business loan for a local shop he’s building and this place gave him the best rate! I would recommend these guys have been great to us

Company replied

Rated 5 out of 5 stars
Invited

The customer service is always above the expectations, and I'm so happy that I bank here. I'm always telling a friend about One United Bank. It's Awesome 💯

Company replied

Rated 5 out of 5 stars

The experience was very helpful,courteous and enjoyed this conversation. Sorry I was disconnected and would like to talk to the same rep. Thank you for your service

Company replied

Rated 5 out of 5 stars
Invited

I am pleased to have an account with a black-owned bank and joining was very easy

Company replied

Rated 5 out of 5 stars
Invited

Nice lady my bank, people are in against my will in bogalusa La 70427 ,my whitehouse, my world looking for a nice lady to help me take back.

Company replied

Rated 5 out of 5 stars
Invited

I rarely have an issue and if I do it is addressed immediately

Company replied

Rated 5 out of 5 stars

Really quick customer support, so I had to leave a good review. Needed some help tracking down an ATM and they were really helpful

Company replied

Rated 5 out of 5 stars
Invited

The customer service agent was warm, professional and very informed. She took time to be sure I was totally satisfied.

Company replied

Rated 5 out of 5 stars
Invited

The customer service I receive is always top tier! A complex issue, solution explained clearly and made simple.

Company replied

Rated 4 out of 5 stars

I had a financial situation that was causing a slight bit of strife occurring on my account. I spoke with a wonderful representative who assisted me with all of my needs and also offered excellent adv... See more

Company replied

Rated 5 out of 5 stars
Invited

The rep that helped me was amazing! I was skeptical about online banking but this bank is AMAZING!

Company replied

Rated 5 out of 5 stars
Invited

Called in for assistance about receiving help with my account. Representative was very helpful, polite and respectful. I do recommend OneUnited Bank

Company replied

Rated 5 out of 5 stars
Invited

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.

Company replied

Rated 5 out of 5 stars
Invited

It was an easy process so I am new to the bank. It only gets better with time!

Company replied

Rated 5 out of 5 stars
Invited

The lady help you can tell she love her job so much because she help so much and beyond ❤️

Company replied

Rated 5 out of 5 stars
Invited

The nature of the call was handled professionally and courteous

Company replied

We perform checks on reviews


Company details

  1. #17 of 30 best companies in Bank
  2. #73 of 110 best companies in Financial Institution
  3. #10 of 12 best companies in Financial Planner

About OneUnited Bank

Written by the company

logo

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

4.4

Excellent

TrustScore 4.5 out of 5

637 reviews

5-star
4-star
3-star
2-star
1-star

Replied to 95% of negative reviews

Typically replies within 1 week


Rated 4 out of 5 stars
Invited

Not 100 percent

The only thing somewhere far I don't like is, you don't let people know they have overvdraft protection if they don't want it. So merchant take from your account that they don't have permission or unauthorized. Then I call your customer care and they tell me I have to turn that feature off after being charged a healthy fee. Not right.

November 10, 2025
Rated 5 out of 5 stars
Invited

It was an easy process so I am new to…

It was an easy process so I am new to the bank. It only gets better with time!

December 1, 2025
OneUnited Bank logo

Reply from OneUnited Bank

We're happy to hear that the process was easy for you as a new customer! We look forward to providing you with excellent service.

Rated 5 out of 5 stars
Invited

Joining is fast and easy

I am pleased to have an account with a black-owned bank and joining was very easy

November 26, 2025
OneUnited Bank logo

Reply from OneUnited Bank

We're happy to hear that joining our bank was easy, and we appreciate your support. Thank you for your positive feedback!

Rated 5 out of 5 stars
Invited

I love the customer services hen I…

I love the customer services hen I phone in with money ideas.

November 13, 2025
OneUnited Bank logo

Reply from OneUnited Bank

We're glad you find our customer service helpful when you call! Thank you for sharing your positive experience with us!

Rated 5 out of 5 stars
Invited

Great customer service!

I rarely have an issue and if I do it is addressed immediately

November 20, 2025
OneUnited Bank logo

Reply from OneUnited Bank

We're happy to hear that your issues are addressed immediately. We appreciate you taking the time to leave us this positive feedback.

Rated 5 out of 5 stars
Invited

Support a black owned business

I joined the organization specifically because it is one of just a few black owned banks. I have enjoyed my experience because they didn't give me problem, but when I did have issues they resolved it quickly, accurately, kindly, and professionally. I would recommend them without hesitation.

November 18, 2025
OneUnited Bank logo

Reply from OneUnited Bank

We appreciate you choosing our organization and are happy to hear that your experiences have been positive. We are glad that we could resolve any issues quickly and professionally. Thank you for your recommendation!

Rated 5 out of 5 stars
Invited

Being in a position of hearing "no" for…

Being in a position of hearing "no" for an answer, I found the answer at OneUnited is always "yes"! In these times sometimes uncertain, this is a bank you always needed, thanks for asking!

January 1, 2025
OneUnited Bank logo

Reply from OneUnited Bank

Thank you for your feedback! We're glad to hear you've had such a positive experience. Even in uncertain times, we’re committed to providing the support you need. We appreciate you banking with OneUnited!

Rated 5 out of 5 stars
Invited

Great customer service

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

November 12, 2025
OneUnited Bank logo

Reply from OneUnited Bank

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!

Rated 5 out of 5 stars

My son got a business loan for a local…

My son got a business loan for a local shop he’s building and this place gave him the best rate! I would recommend these guys have been great to us

November 11, 2025
Unprompted review
OneUnited Bank logo

Reply from OneUnited Bank

Thank you for your feedback! We're glad your son had a great experience and received a strong business loan rate. We appreciate you and your family banking with OneUnited!

Rated 2 out of 5 stars

A run-around process to resolve.. not pleased..

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.

November 6, 2025
Unprompted review
OneUnited Bank logo

Reply from OneUnited Bank

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

Rated 5 out of 5 stars
Invited

Customer Service

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.

November 3, 2025
OneUnited Bank logo

Reply from OneUnited Bank

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!

Rated 5 out of 5 stars
Invited

Signup was quick seamless and…

Signup was quick seamless and hassle-free. One of the better experiences I've had signing up for an account in a while.

October 31, 2025
OneUnited Bank logo

Reply from OneUnited Bank

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.

Rated 5 out of 5 stars
Invited

What makes for an excellent banking experience!

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!

October 30, 2025
OneUnited Bank logo

Reply from OneUnited Bank

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.

Rated 1 out of 5 stars

Terrible bank

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

October 28, 2025
Unprompted review
OneUnited Bank logo

Reply from OneUnited Bank

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.

Rated 5 out of 5 stars
Invited

The nature of the call was handled…

The nature of the call was handled professionally and courteous

October 23, 2025
OneUnited Bank logo

Reply from OneUnited Bank

We are happy to hear that your call was handled professionally and courteously. We appreciate your positive feedback and your time.

Rated 5 out of 5 stars
Invited

A Smooth Start with OneUnited Bank

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.

October 20, 2025
OneUnited Bank logo

Reply from OneUnited Bank

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!

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.

Take a closer look