North One is an online business banking and financial management platform designed to help American small businesses take control of their cash flow. Our best-in-class product suite and service experience help simplify financial operations and teach better business habits.Open a North One account in minutes https://join.northone.com/
North One (northone.com) has 257 customer reviews on Five Star Index, with an average rating of 3.7 out of 5.
Also known as
northone.com
Website
northone.com
Category
Banking & Money
Location
New York, New York
Listed on Five Star Index
2026
About these reviews
Replies
The company replied to 85% of reviews.
Latest
Most recent review: March 2026.
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Reviews are shown as their authors wrote them. The company can reply, but cannot edit them.
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This bank sucks! Stay away if you want your funds to clear this year (or this week). They say 3-5 business days. That is a farce! It always takes seven days. There are no five or six-day possibilities. Try Relay Financial. That's where I'm going.
Response from North OneJan 24, 2024
Sorry to hear about these frustrations, Robert. I’d love to clarify the current process for in-app check deposit hold times.
Once the deposit is made, it will then be reviewed within 1 business day. Once accepted, the deposit is made available in 2-5 business days. Factors that affect the speed with which your funds become available may include: the length and extent of your relationship with NorthOne, amount of historical transaction information, having a history of returned checks, and more. Please refer to NorthOne’s Deposit Account Agreement, specifically section E.11, for more details on check deposit availability.
I noticed that your deposit was initiated on 1/13, and the check will be available after the standard 5-business-day hold. It's worth noting that 1/15 was a Banking Holiday for MLK Day, which is treated as a non-business day. Since no money movement occurs on banking holidays, it might give the impression that the check is being held for an additional business day.
Should you have any additional questions regarding your mobile check deposit, our Support Team is happy to clarify when a pending check will be made available in your Account.
NorthOne Customer Care
LN
LOVE N TOUCH L.
MARIAM WAS VERY POLITE AND PROFESSIONAL
Mariam at North One was phanamomal.Her performance was great 😊all my concerns and needs was fix doing business at this bank.Thank Mariam at North One
Response from North OneJan 22, 2024
Mariam is fantastic! I know she's happy to help; I'll relay this to her. Thank you for the 5-star review and for choosing NorthOne!
JP
JParker
They are always on the ball!
Every time I need assistance from support, I am always satisfied with the top-notch help. In this instance Kat was great. I shared my concern and she went to work to get an answer for me. Had it not been for Kat, I'd still be frantic about to problem I
Response from North OneJan 22, 2024
Kat is fantastic! I'll gladly relay this to her; thank you for the 5-star review and for choosing NorthOne.
MA
Mac
mariam was a great help she solved my…
mariam was a great help she solved my problem and was very professional
Response from North OneJan 22, 2024
Mariam is great, glad she was able to help you out! Thank you for the 5-star review and for choosing NorthOne, Mac.
MS
Mark S.
Great service from Northone!
Overall the customer service at Northone is excellent. As high as that bar is, my recent interaction with Kat went above and beyond. She was patient with my questions, gave me actionable direction and supplied a strong overview of the topics that were challenging me. Really appreciated the help - many thanks!
Response from North OneJan 17, 2024
We're happy to help Mark! Thank you for the 5-star review and for choosing NorthOne.
DA
Didier A. M.
Their incompetence to approve mobile…
Their incompetence to approve mobile check deposits as it is incredible that a bank like this would take 7 business days to clear funds on a cashiers check from a reputable bank.
01/09/24
I did deposit a Cashiers Check from a reputable bank on 01/04/24, same day was advise via email the check was being processed. Next day was advised that check was approved and that was going to take 48 hours to be cleared, those 48 hours passed and contacted customer service via chat Monday 01/08/24 bank does not a physical office nor a customer service dept, direct phone number where you can call when you need to. Representative on the chat platform inform me the following:
"Check are in review for 48 hours and after that they could be released as early as the 3rd day, but this could go up to the maximum of 7 business days. Also, the more checks that are deposited in the Account, along with other factors, this timeline could shorten".
Going back and forth with this issue, I had to explain in different ways that 1) This is not a personal check but a Cashiers Ck. and funds had been already verified and withdrawn from clients bank account 2)Check was issued to my company and not an individual, and that my account has never had a returned check nor was to be put on hold as the account isn't red flagged for fraud.
Went back and forth again via email with a Rep. that received an email from me where I explained what was going on and he was professional enough to advise that was going to relay this info to the "Check Team' and see if they could do or assist on providing a more in depth explanation or solution to this issue. Never received an email from the Check Team letting me know what was the status of or if there was any possibility of a solution. Bottom line, I was told the Cashiers Check I deposited on January 4th, 2024 before noon, will be available on Thursday 11th, 2024 at the end of the day?
I am very disappointed and definitely ready to cancel the account I have with NorthOne. Bank isn't qualified to offer solutions to matters like this one nor offers the level of customer service satisfaction by going the extra mile on trying to resolve customers account concerns/issues/. As a business owner the above showed us that facts speak louder than words!.
Response from North OneJan 10, 2024
Thank you for reaching out and I’m sorry to hear about this frustrating experience. Certainly understand your irritations with the mobile deposit hold time. I’d like to clarify how our mobile check deposit process works.
With each mobile check deposit, it goes through a manual review to determine the hold time for that particular check. Checks deposited using the in-app Mobile Deposit service are generally made available within three business days from the day of deposit, but could take up to five to seven business days. In this case, I do see that this particular deposit is set to be made available five business days after the day of the deposit.
Factors that affect the speed with which your funds become available may include: the length and extent of your relationship with NorthOne, amount of historical transaction information, having a history of returned checks, and more. I recommend reviewing our full terms for more insight into all factors that can be reviewed for an in-app mobile check deposit and its availability. You can reference section E.11 of NorthOne’s Deposit Account Agreement for a full breakdown on this.
Thank you for your understanding here. If you have any further questions regarding this deposit, you can contact our Support team via in-app chat Support, Monday-Friday from 9:00am-6:00pm EST, or if you'd prefer, can schedule a phone call once logged into your Account.
NorthOne Customer Care
RF
Railyard F.
NorthOne Does Not Have Your Businesses Back
I have been in business for almost 30 years, and when I decided to try an online bank which would connect with more of the modern day apps, I found NorthOne. Banking with them was a horrible mistake and I want to warn other businesses about putting your money with them.
1. The first incident happened when they flagged my account for an unknown $1 payment from a Paypal account. They froze my account, which meant no money could come in or out. I was on vacation and it took me days to realize what happened. And it took weeks to get it fixed, because once the bank account was frozen, that sent a chain reaction to our merchant processing, vendors, etc... and the clean up and docs required to get everything going again, was insane.
Again, all that happend, was we received $1 from a PayPal account, which was probably verifying our bank account and something we had set in motion. Something that any reasonable bank would have called us, sent a text and email, asking if we knew about the transaction. But not NorthOne, they just shut us down. This was the first incident.
2. The next incident almost a year later, was when I noticed a $48 dollar Burger King charge on a virtual card we had never used. As the owner of a gym, that charge stood out becuase we don't eat there. I notified NorthOne, I verified that it was not us, they verified the virtual card had never been used before, and then they closed our bank account down. They didn't cancel that card, they just closed our account. Which meant we needed a new bank account yesterday, and every vendor, every utility and every payment on auto pay, which is everyone, was suddenly not being paid. If you have ever lost a card you know what a hassle it is to contact and update your new information to everyone. It takes days and hours upon hours of time. Which is why I didn't cancel this bank the first time. Because it is so time consuming to have to start anew.
If you are considering this bank, don't. Eventually you will be sorry.
Response from North OneJan 8, 2024
Thank you for sharing this experience here and I'm sorry to hear about these frustrations. I'd like to elaborate further here regarding the security of your Account and this process.
I do see that the dispute for the unauthorized virtual card transaction is ongoing. As soon as there is an update on your dispute, you will be notified via email to your email on file.
For additional context, when certain unauthorized transaction(s) occur on your Account, your Account is locked for your security. A review is then completed to make sure that there is no compromised information within your Account. This review was communicated on October 23rd, shortly before your Account was locked.
When it was deemed that the Account would need to be closed due to compromised information, this was also communicated via email on October 24th once the review was completed.
While the current dispute is still ongoing, you're able to re-apply for a new Account at any time by going to join.northone.com.
Thank you for your understanding here. The most recent form of communication I see on my end from you is on November 16th, 2023. If you have any further questions regarding your dispute, please contact [email protected] and our team is happy to help.
CI
Crack in the Cup Coffee T.
Mariam the Great
Mariam was the rep I spoke with. She was very helpful with my address and new card issue. I did not realize I never updated it. Thank you so much helping correct my issue. The follow us after was a nice touch and surprise. She made me feel valued as a customer.
Response from North OneDec 18, 2023
Our Support team is happy to help, and Mariam certainly appreciates this! Thank you for the 5-star review and for choosing NorthOne.