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.
Edits
Reviews are shown as their authors wrote them. The company can reply, but cannot edit them.
Score
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Tier 1 Credit, established business, rejected for an account. Never happened before & won't again. STAY AWAY from this company!
Response from North OneMay 12, 2025
We know this isn’t the outcome you were hoping to receive. The decision to decline your application for a North One Account could be due to one or more reasons. This may include:
· the inability to verify your identity based on the information you provided
· missing or incorrect documentation
· a particularly high-risk type of business
· a prohibited type of business
· information provided from 3rd party vendors
If you think there's been a mistake and would like to reapply, our team would be happy to review your new application.
Thank you for your understanding.
North One Customer Care
SH
Shelton
They open an account for you but…
They open an account for you but subsequently block it upon receiving a payment. I advise against using their services. I wish we had consulted the reviews prior to opening an account, as it has proven to be a waste of time.
Response from North OneApr 21, 2025
Hey Shelton,
Could I please ask you to send us an email at [email protected] so we can help with this? I'm not able to locate an Account under the information you shared in this review, so unfortunately I can't provide any additional details at this point.
We can help you along with the review process, and ensure that any funds in your Account are returned to you expeditiously.
Thank you
North One Customer Care
MR
Mike R.
Run away
Run away. Worst decision I ever made was opening an account here.
Tried to send a wire for escrow funds for a real estate transaction to a title company and they rejected it because it didn't have the word escrow in the description (the bank, not the title company) despite having the contract number, etc. Their delay meant it missed the cutoff window, pushing it to the next day.
Then they rejected an ACH deposit into the account, claiming there was a name mismatch, however the originating bank was able to prove the name used matched what NorthOne required, meaning NorthOne was mis-identifying the name and calling it a mismatch (strangely, ONE ACH deposit worked, the next failed, despite both being the exact same details on different dates).
Having a business checking account with a bank you can't reliably send or receive funds in is a bad, bad idea. They're definitely not set up to provide business-level support and seem more apt for savings accounts, not acutal, usable checking.
Response from North OneMar 28, 2025
Hey Mike, thank you for your feedback.
Let me start off by saying how sorry I am to hear about your experience. We understand how significant money movement is to small business owners, and we want make it as simple as possible for you to receive your funds.
That being said, we do require certain information to be listed on the transfer in order for it to process correctly. I see that our team has sent you some further details regarding those requirements. I also see that they've confirmed with you that they are able to set things up so that further transfers from your other Account can be accepted under the information that they are including, meaning this should not an issue moving forward.
If you find that to not be the case, don't hesitate to reach out to us so we can help.
Thank you,
North One Customer Care
NI
Nils
Spams with requests to leave a review
Spams with requests to leave a review
Response from North OneMar 27, 2025
Hey there, thank you for your feedback.
Based on your response, we did an audit of our review request system to ensure that it is working as expected and that none of our customers are being prompted to leave a review at an excessive rate. If you feel there may be an error on your Account that is causing excessive requests, please reach out to us at [email protected] so that we can take a look and resolve any potential technical issues.
JE
Joseph E.
They make being in business impossible…
They make being in business impossible for claiming to be a business bank on the site they advertise av2 to 5 day waiting time for moblie deposits yet in truth it's 8 business days every time and there customer service is rude and unhelpful
Response from North OneFeb 14, 2025
Hey Joseph, thank you for your feedback.
Checks deposited using the 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. Factors that affect the speed with which your funds become available may include: the length and extent of your relationship with North One, amount of historical transaction information, having a history of returned checks, etc.
For more details on check deposit availability, you can reference section E.11 of North One’ s Deposit Account Agreement, or our help center article: https://help.northone.com/en/articles/5905458-how-do-i-deposit-a-check
JO
Joshua
NorthOne Ignores Fraud
NorthOne Ignores Fraud, Violates UCC & Mastercard Zero Liability Policy
NorthOne has completely failed to protect my account from fraudulent transactions and is blatantly violating banking regulations. I filed a dispute on December 18, 2024, and as of February 5, 2025, I have yet to receive any reputable update or provisional credit. Instead of handling fraud cases responsibly, NorthOne outsources all disputes to a third-party company, Galileo, and claims they have no insight into the dispute process or timeline.
Even more concerning, NorthOne openly states on its website that they do not issue provisional credit, which I don’t understand how they can legally get away with. This directly violates the Uniform Commercial Code (UCC) and Mastercard’s Zero Liability policy, which require financial institutions to protect customers from unauthorized transactions. By refusing to issue provisional credit, NorthOne is breaking industry standards and leaving customers financially stranded.
To make matters worse, my account has been accessed by an unauthorized party for weeks. Every time they log in, I get kicked out of my own account. Despite reporting this critical security issue, NorthOne has done absolutely nothing to fix it.
I have escalated my concerns to the Office of the Comptroller of the Currency (OCC), the FDIC, Mastercard, and NorthOne’s partner bank, The Bancorp Bank. These regulatory bodies need to hold NorthOne accountable for their failure to follow banking laws and consumer protection policies.
I also reached out directly to NorthOne’s founders, Eytan and Justin, but they have ignored my emails and taken no meaningful action. Rather than protecting their customers, NorthOne hides behind a third-party company, disregards consumer protection laws, and refuses to take fraud seriously.
If you value your money and financial security, avoid NorthOne at all costs. They do not abide by the UCC or Mastercard’s Zero Liability policy, do not properly investigate fraud, and refuse to issue provisional credit. This is the worst banking experience I’ve ever had, and I wouldn’t trust NorthOne with a single dollar.
Response from North OneFeb 26, 2025
Hey Joshua,
I see that you’ve been working with Customer Support team on this and that your original disputes have been resolved, your new disputes are being actioned. We appreciate your patience while we work with our partners to investigate the claims, I understand these situations can feel stressful.
Should you have any further questions regarding your disputes, contact our customer support team at [email protected]
IH
Isaiah H.
Beware of this Northone they lock my…
Beware of this Northone they lock my account with fund in it and they said they will mail a check to me and i have been waiting for over a month and no check came in, they also stop replying to my email. they will stop talking to you
Response from North OneJan 14, 2025
Hey Isaiah,
I see you've been in touch with our Account Services team via email and they've provided some further details.
As stated in your Deposit Account Agreement, the decision to exit your relationship is based on the overall evaluation of your Account based on the information we have. It is not a judgment on the quality of your business.
If there are funds in your Account, after review, we will return any funds that are deemed valid to you by check to the mailing address we have on file.
CA
CHRISTOPHER A S.
Closed my account and said they will mail out a check
Asked for additional documents, I provided what I have... Locked my account and requested for SAME documents. Closed my account and said they will mail out a check. Still no check.
You could've just asked me to round up my deals and then close my account. Instead I'm blocked without my money.
Response from North OneDec 30, 2024
Hey Christopher,
Thank you for your feedback. All financial service companies are required to evaluate their products, services, and customers periodically. Based on our review, we may choose to discontinue certain products, services and, in some cases, customer relationships.
Regarding your check, please send us an email at [email protected]. We'd be happy to help get this sorted out.
