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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I would not recommend this Bank they will rip you off
I would not recommend this Bank. I open up this account 09/16/2022, less than a month they charged me $10.00 fee on 10/04/2022, and then on 10/25/2022 they charged me another $10.00 fee. It is very hard to get ahold of them by phone, so you have to send a chat and most time the reason are not there. My account is closed now. I had 47.17 in that account because I deposit $40.00. now it was left at $37.17. They took my $10.00 on 10/25/2022. I want my money refunded. Now they are saying they will not give me a refund. Ya'll is pathetic stilling people money and putting in your pocket. The next step is Attorney General office or seek to sue them over $10.00.
I got their response; you sure know how to clean up your reason, it to make it look like its customer fault. You still a rip off company.
Response from North OneOct 27, 2022
Hi there Sandra-- thank you for taking the time to write us here and we apologize for any confusion. I can see that your billing for September posted later than expected (10/4) and we did send out an email that day letting you know that we would be billing your account for September. The additional bill you see in October is your October fee. When you sign up for a NorthOne account you agree to the Deposit Account Agreement, which includes a monthly fee of $10. As you have already let the team know you wish to close your account, no further action is required at this time. I understand this may not be the outcome you were hoping for and appreciate your understanding. Best, NorthOne Support
KE
Kevin
They will lock your account and accuse you of stealing and depositing checks as soon as you make your first large deposit so they can lock your account. They are a scam
My account has been locked for 48 hours. I have not been able to talk to a person nor gotten any responses to the 8 emails I have sent to "customer support" I DO NOT recommend trusting NorthOne with your small business banking. I will never use an online only bank again. Its been a terrible experience and not worth $15/month in banks fees I was going to save. If you want access to your funds DO NOT trust NorthOne with them. They are liars, they replied once on Facebook that they emailed me. I guess its somewhat true I got 4 emails asking me to refer new customers to them. But 0 emails or communication regarding my locked account or their outright ignoring me for 48 hours. They will steal your money for no reason and ignore your attempts to contact them. On a side note its probably not great marketing to ask for referrals from someone you just stole money from and are now ignoring. But I did listen and have been giving feedback about how they stole my money are now ignoring me to anyone looking for a new bank.
**** I deposited a business check from a fortune 500 company into my business checking account. 5 days after locking account they now want me to prove that check was actually paid to me. They want invoices, They asked how I got the check, like did I find it and randomly try cashing it? It's written to my business from a business there is no suspicious activity. Yet they come at me as though I stole the check and am cashing a check that isn't mine. More so than ever I believe NorthOne is a scam and out to hurt small business. DO NOT trust them with your money. I have no idea how long it will take me to prove my businesses money is mine and get it back. They will ignore you and make you jump through circus hoops to prove your money is yours.
***** I still do not recommend NorthOne, my entire experience was terrible and their random locking of accounts for illegitimate and illegal reasons can destroy a small business. I received my check for the funds in my were in my account via 2 day UPS so they can get your money back to you in a timely manner. If you make enough noise. I commented on the CEO's linkedin page and posted public comments on facebook posts to finally get them responding to me. I promised to continue commenting publicly until I had my money returned.
Response from North OneOct 21, 2022
Hi there, Kevin-- thank you for taking the time to reach out here. I know we have since been in communication with you through social and discovered our emails were not reaching you. Now that we have an alternative email to write to you, our team will be working to help you with the information request. Sometimes unique domains have filters that block emails from our team, so we are hopeful that we can help you resolve this. Please let us know if you are still not getting emails to the new address.
JA
Jamal Ali Z.
These people are just simply pathetic I…
These people are just simply pathetic I was using my account very peacefully, and suddenly when I deposited a check, they suspended my account and told me if I provided all detail, they would reinstate I provided everything they asked for, and still, they closed my account they don't answer my email, and when I try to contact support no one answer I have more then $20K in my account,t and they are not giving my money back they don't answer I want them to send me my money through wire transfer or Ach transfer I need my money back right now that is a very pathetic approach by them I want my money back otherwise I am opening a case through a lawyer I told them i have an issue of receiving a check on my mail address and they don't answer
Response from North OneOct 14, 2022
Hello Jamal,
Thank you for writing in, and I am sorry to hear about your experience.
All financial service companies are required to evaluate their products, services and customers periodically. Based on our review of the documents provided, we may choose to discontinue certain products, services and, in some cases, customer relationships.
When any account is closed, it is unable to be reopened for a final ACH or Wire transfer. Any remaining funds on the account are sent via a physical check to the address on file. I can confirm that this check process has been initiated, and a tracking link has been provided to you for your final check balance.
I understand this may not be the outcome you wanted, and we appreciate your understanding.
AM
ANN M.
I WOULD NOT RECOMMEND THIS BANK TO A…
ARE YOU KIDDING THAT RESPONSE WAS I TRANSFERRED MONEY OUT OF MY SQUARE ACCT TO NORTHONE IN THE AMOUNT OF 422.08 ON JUL 11 ON JUL 15 YOULL CLOSE MY ACCT THAT MONEY WAS NEVER RETURN TO ME SO NOW YOU ARE TELLING A LIE I CAN SHOW THAT UP TO JUL 15 I DEPOSITED OVER 900 FROM MY SQUARE ACCT IF I COULD UPLOAD THE TRANSFER RECEIPT THAT I HAVE I WOULD SHOW YOU SOMEONE WHOS STUPID AND DONT KNOW I HAD MONEY IN THAT ACCT
Response from North OneSep 26, 2022
Hi there, Ann-- Thank you for taking the time to leave a review and sorry to hear you have had a frustrating experience with the team so far. I can see our team let you know that there was no balance in your account upon closure. Your account was closed and if there were pending funds these have been returned to the sending institution. I understand this may not be the answer you were hoping for. Thank you for understanding.
AB
Abraham
NorthOne will not care to give you a good experience and I highly advise to steer away from them.
NorthOne sucks, they really do.
They will make it so difficult to get proper help and will disregard your inquiries or any concerns.
They will scam, do not trust them.
It took time for my account to get set up and for my card to be received and I asked that the month not start until everything was ready and finalized but they went on charging me.
I didn't like the services and the lack support and perks they offered so I asked them to stop charging me per month and close my account at this point.
They instead have continued to charge me per month and have drained the account even though I asked to to stop and close my account.
There customer support is practically non existent and it feels as if they are trained to avoid you instead of help you.
Imagine that!!!
I have been trying to reach customer service through their online chat portal and have no luck. It takes an hour to get connected then to send one message. I also looked for their phone support and have gotten nowhere. Nonexistent!
They are so beyond ridiculous and deserve negative starts not even one star. I expect them to read this and fix this terrible experience or I will file a complain and not just a review.
:This is a follow up edit on the review after NorthOne decided to respond.:
I clearly asked on April 29th to stop getting charged fees. I did not receive any reply or help for that request.
NorthOne are conveniently making themselves seem like they did the right thing and I have emails showing that to be a lie. Nice try but I stand by my review and am disgusted by NorthOne services and lies.
Be ashamed of yourselves. This follow up response is a joke just like your terrible lack of customer support and your extravagant ways of wasting consumers precious time.
Pay me back my hard earned money and scam yourselves in bankruptcy.
Cheaters!
Response from North OneSep 7, 2022
Hello Abraham,
Thank you for taking the time to reach out to us here. We are sorry to hear you have not had a positive experience with NorthOne. I see that you reached out to our team on April 29th, one month after opening your account, on March 29th, about being charged the first monthly fee, of which is agreed upon paying when you sign up. Our team let you know that this fee is standard and you did not continue the conversation. You reached out again June 24th stating you never got a reply and that your card came very late after sign up, when our team comfirmed with you that the card was activated 5 business days after account opening, as expected. During this outreach you shared that you wanted to close your account, at which point our team closed it for you. However, the fees already incurred would not be returned, as agreed upon in your signup.
I also understand you mention it was difficult to get ahold of our team, however our typical response time during business hours is less than 10 min to get a reply and we are open 7 days a week to assist customers via chat and email. You can also schedule a call 7 days a week through your NorthOne application. We do value customer communications and each time you reached out, our team was able to respond, though often times our responses went unread or replied to by you which is why your account was not closed sooner.
I understand that this may not be the response you want, but we appreciate your understanding.
CS
CONSTANCE S.
most worst bank so far
most worst bank so far
Response from North OneAug 24, 2022
Hi there Constance, Sorry to hear you have had a frustrating experience with NorthOne. I would be happy to assist further if you would like to reach out to our support team from the email tied to your account, we can look into making this right!
OB
Olga B.
North One will scam you if you refer others
I signed up for NorthOne about a month ago. All was going well until I was notified one day that my referral link had been removed and more information was requested about my business. Confused about this I replied back to NorthOne that I had already provided the requested information during sign up and was only told, "All banks occasionally review customer accounts...". I still found this odd, but complied with their request and provided the requested information the next day. After I provided the information, I was told "Your referral link has been removed and will not be reactivated" in spite of me providing everything they asked for. When I inquired why I was being treated with such disdain and accusatory nature, the support only replied that they could not tell me why my link was revoked, and simply referred me to their terms of service. I read over the terms and nothing in them applied to me in any way.
This occurred after I referred two people who are also small business owners to the bank. It appears they removed my link so that they would not have to pay the referral bonuses. Having not broke ANY of their rules or terms this is the only logical explanation.
I've never in my life seen such scamming tactics utilized by a legitimate bank. It's shameful.
edit: After reading some of the other reviews, I feel slightly better to know that I wasn't singled out and that NorthOne is just an awful scam ridden bank. I find it amusing they have this canned response:
"All financial service companies are required to evaluate their products, services and customers periodically." (I also received this response when engaging with customer service via email).
My Lili small business banking account has never treated me this way so they can keep this awful canned response to themselves.
Response from North OneJul 22, 2022
Hello Olga,
Thank you for your outreach. We do apologize for any difficulties you have experienced.
NorthOne does run a referral program and for those that meet all qualifications of the program terms and conditions, they will receive their payouts. Our team has determined that your referrals were not meeting the terms and services laid out for this program and therefore let you know you would no longer have access to this program.
We understand this may not be the desired outcome, and we apologize for any inconvenience caused.
Thank you, NorthOne Customer Support
JH
John H.
Closed my account because I did not…
Closed my account because I did not notify because of my travels. Also would not work with me on my balance and said it had to be send snail mail which took to weeks. Luckily I have accounts a Bank of America and Revolut. Worst experience constantly asking me for documents when all my money came from tops banks. Worst bank ever.
Response from North OneJul 21, 2022
Hello John,
Thank you for taking the time to reach out here. We apologize for any frustrations you experienced.
I am unable to locate an account with your name as it is listed here on TrustPilot, but you can email [email protected] for further assistance.
That being said, all financial service companies, including us, 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. As stated in the Deposit Account Agreement, the decision to exit a customer's relationship with us is based on the overall evaluation of their Account.
We understand this may not be the desired outcome, and we apologize for any inconvenience caused. If we identify that your Account is not a great fit for NorthOne, our aim is make the Account closure process as smooth as possible.
Thank you, NorthOne Customer Support