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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The opening process was really fast and easy but my issue is that i use Cashapp, paypal and venmo in my business and was not told they do not encourage people to transfer money from these into your account. I* transferred money instantly from Cashapp into my checking account and guess what? I have to wait to get my money 1-3 days. This should be told to your customers because some of us is still trying to transition from using these payment options
Response from North OneFeb 4, 2022
Hi there,
Thank you so much for taking the time to reach out to us. We are truly sorry for the trouble here.
I have looked into your case specifically and see you have already chatted with our support team about this.
As you know, deposits from Cash App, even instant ones, will take 1-3 business days to reflect in your NorthOne account.
Currently, instant transfers are not supported using your NorthOne Mastercard® Debit Card. This, unfortunately, includes CashApp, Venmo, and Apple Pay.
We have received lots of feedback about this and are actively looking into methods of supporting this in the future. In the meantime, while we develop an instant transfer feature, we would encourage you to not send instant transfers through CashApp.
When going through the flow in CashApp, the application still allows you to set up an instant transfer to your NorthOne card, but the funds will take the same amount of time as a standard transfer (1-3 business days) and CashApp will still charge the instant fee.
We suggest linking your bank account instead of your card, and only using the free standard transfer method to avoid incurring fees with CashApp.
We certainly understand how this could cause an inconvenience and we do apologize for the trouble this may have caused you. Once we do have an instant transfer feature set up with some of our integrations, we will absolutely let all customers know.
Thanks so much for your understanding. If you have any further questions, please feel free to reach out to us in-app. We’re happy to help where we can.
NorthOne Customer Experience
MV
Matt V.
These people are crooks
These people are crooks. They opened a business account used it for months and then just decided to close it for no reason and keep my money. Run from them.
Response from North OneFeb 3, 2022
Hello there, thanks so much for taking the time to leave us a review. We're very sorry to hear of the trouble.
All financial service companies are required to understand the nature of their customers’ businesses. This means we may sometimes review a customer's Account as a whole or a specific transaction. Based on the outcome of our review, we may choose to close the Account. This might be because we are still unable to verify Account information; because we identified that the customer is engaging in unsupported behavior (for example, using a NorthOne Account as a personal account); or because of other factors, or a combination of factors.
If your Account was closed, we understand this may not be the desired outcome, and we apologize for any inconvenience caused. If we identify that a customert's Account is not a great fit for NorthOne, our aim is make the Account closure process as smooth as possible.
If you have any questions at this time, please do let us know at [email protected]. We're happy to help where we can.
Thanks,
NorthOne Customer Experience
JB
Jay B.
Northone CLOSES MY ACC 2 DAYS AFTER…
Northone CLOSES MY ACC 2 DAYS AFTER OPENING IT . ALL MY BUSINESS MONEY IS STUCK BECAUSE THEY WILL NOT RESPOND TO EMAILS PHONE NUMBER DOES NOT WORK THIS IS A HORRIBLE HORRIBLE BANK DONT BANK WITH THEM
BY THE WAY BEEN UPLOADED DOCUMENTS SHOWING FULL BUSSINESS PROOF
Response from North OneDec 22, 2021
Hello there, thanks so much for reaching out here. We’re truly sorry for any trouble.
All financial service companies are required to understand the nature of their customers’ businesses.
As a part of our reviews, we occasionally request identity, business, transaction, or other documentation or information, and we may suspend the Account as part of that process.
If you have uploaded your documents already, that's great - thank you for doing that. In some cases it can take 1-2 business days for your account to be reviewed. So, since you have made your submissions, you can expect to hear from us soon about your account.
If you have any questions in the meantime, please do not hesitate to let us know. We’re happy to help.
LU
Luckylindalou
Suspended my account AFTER I told them…
Suspended my account AFTER I told them I was closing the account. Went to transfer out my initial deposit through ach and it failed. Received an email stating all kinds of information needed to reopen account. Do not want to reopen the account, I want my initial deposit that NorthOne deemed acceptable with initial verification process. Will be filing a complaint with regulatory offices.
Response from North OneDec 22, 2021
Hello there, thanks so much for reaching out about this.
We are sorry for any trouble this may have caused you. We can’t seem to find your Account on file with the information available on Trustpilot, but we’d be happy to look into this for you.
If you could send an email to [email protected] from the email linked to your NorthOne Account, we’d be happy to investigate and provide you with any necessary information and next steps that may be unclear.
Thanks so much for your patience and understanding.
JM
Janet M.
DO NOT OPEN AN ACCOUNT WITH THIS…
DO NOT OPEN AN ACCOUNT WITH THIS COMPANY, buyer beware. I wrote a check from my personal account to Northone to fund my business. They sent the check to a third party company to cash. I waited and waited no money was deposited. Meanwhile they stopped using the 3rd party company. I’m still fighting to get my $4,500.00 back from them. They told me to work with the third party company to get my money back. You have to make an appointment to talk to an actual person, which takes about a week. They have email and chat that rarely works correctly. They do not have business checks. I feel they are shady and fraudulent for cashing my check then giving me the run around to try to track it down.
Response from North OneDec 2, 2021
Hey Janet,
Thanks so much for taking the time to reach out to us about this.
We do apologize for the situation you were in. I’ve checked our messages with you and see that this issue has now been resolved with the 3rd party company in question here.
Thanks so much for your patience. If you need any more help from NorthOne, please feel free to get in touch with us through in-app chat or by emailing [email protected]. We're always happy to help.
Thanks and take care,
NorthOne Customer Care
AS
Amber S.
Terrible customer support, shady practice
I am a newer customer. I am an independent contractor but I also own a side business making clothing. I am paid in cash for this as i usually get my business through word of mouth and set up at local flea markets on the weekends. When I signed up, I used someone’s referral link and was supposed to get a $75 bonus when I added my first $50. That was over a week ago. Support has been completely unhelpful and now have suspended my account because I have tried to get this issue resolved through about 5 different support agents. I have submitted my license, a photo of me with license, I don’t have typical invoices but have copies of receipts I’ve made out to customers. I’ve also offered a tax transcript to show I filed partial self employment last year. I just find this unbelievable that they offer a $75 bonus and don’t want to give it that badly to the point they would suspend my account. I would definitely rethink getting an account with them.
Response from North OneNov 19, 2021
Hi Amber,
Thanks so much for taking the time to leave us a review. We are truly sorry for the frustrating experience.
I’ve looked into your case specifically and see that the issue has now been resolved with our support team.
If you have any other questions at this time, please feel free to let us know by messaging us in-app or sending an email to [email protected]. We are always happy to help.
Thanks again for your patience,
NorthOne Customer Care
CI
Christina I.
Sketchy business! Do NOT Recommend
So I’m an online marketer/freelancer that partakes and earns income from multiple opportunities online, referring to family/friends. I joined this app a few days ago to use and refer to others as well; they were running a $75 referral bonus for each successful person who signs up and deposits $50. So I joined and followed those instructions and received a few sign ups. Then the next day I was emailed that my account was suspended til I could provide documentation about my business and answer some of their questions. Inconvenience considering my account was accepted already, but I did as they requested and provided my information, answered their questions, and sent payment proof that I do earn income online from my business and sent some social media links so they could see exactly what it is I do (even though I did explain) Fast forward to Today, my account is closed & I can’t access the app/login and the person I’ve been speaking to hasn’t provided me any legitimate reason as to WHY my account was closed. Like she doesn’t care; I had to mention I was going to the BBB (which I am) if I don’t receive my money! Only then after mentioning that, did she say they would mail me a check! I’m awaiting her response as of now… not sure if the check is only for my deposit or for my sign on bonus/referral pay as well. Because she didn’t mention so. Support is BAD. (At least with this woman it is) Us marketers know each other, we talk. This is unfair treatment, sketchy, stealing, & bad business. We did the work; least they could do is honor their referral program and pay us. So that’s why I give NorthOne Bank a 1 star.
UPDATE 11/12/2021, after NorthOne’s reply: I received the exact same response from y’all that other’s have received; y’all have provided no additional info, simply copying & pasting scripts to everyone to make yourself seem professional, however still not answering our concerns as to why y’all are shutting down accounts left & right and not paying people what’s due to them; this is not good business! (PS, that link… yall modified last week AFTER I & others joined… stating, “you can refer to close, personal family and friends only” which is what I do!) So either way, I followed your rules, yet y’all don’t wanna honor your own referral program! That’s sad. Y’all ‘tricked’ a bunch of people, including myself, into joining & depositing $50 and then turn around and suspend & eventually shut down our accounts, AFTER we submit to y’all personal/sensitive info like our driver’s license and ssn! If that’s not suspicious I don’t know what is. Also! Y’all claim to have sent me a check (which I have not received & I’m still waiting on) And y’all haven’t even responded back to my email where I request a photo copy of the check (cause I wasn’t told how much the check would be for) and tracking. ? So I can send y’all details that y’all claim you need to help reinstate my account (tho y’all closed it)!! but y’all can’t send me proof of sending my check? What BS. Seems one sided, don’t it? (For anyone reading this) I do NOT recommend trying NorthOne. Most people, including myself, are displeased!- I did file a claim with the BBB.
Response from North OneNov 12, 2021
Hello Christina,
Thank you for reaching out here. We do apologize for any trouble.
In instances where the Share & Earn referral benefit is not being held to the standards in our Terms & Conditions, the ability to continue with the program may be removed. When access to the program has been removed, we’ll be unable to uphold any pending referrals.
You can read more about the Terms & Conditions here: https://help.northone.com/en/articles/4228585-northone-referral-program-terms-conditions.
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.
If your Account was closed, 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.
Any valid funds will be returned to the mailing address on file once our review has been concluded.
If you have any other questions at this time, please feel free to contact [email protected]. Thank you.
MI
Michelle
Bad business
I am highly disappointed in this bank and had high hopes for it. I am a freelancer and do all kinds of different jobs. As that was one of their options in opening an account with them. At first they approved my account. Then the next day I get an email asking for proof of my business and where I get my money from. I sent that in and their was no problem. I then the day after, get another email stating that they were closing my account but yet did not provide and answer as to why they were doing this. I wrote them back asking about my referral money because I had also referred a few family and friends to their business and they were offering a $75 referral reward per person who was able to sign up with them. I am highly upset about the fact that they are now trying to send me a check for my $50 deposit for opening the account but not including my referral incentives that I am owed. I will also be taking this to the BBB as well in hopes that’s maybe this won’t happen to another fellow freelancer or anyone else for that matter.
Response from North OneNov 12, 2021
Hello Michelle,
Thank you for reaching out here. We truly apologize for any inconvenience.
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.
If your Account was closed, we understand this may not be the desired outcome, and we do 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. Any valid funds will be returned once our review has been concluded.
For more information on why we may suspend or close an account, here is an article from our Help Center: https://help.northone.com/en/articles/5360725-account-suspensions-closures
In instances where the Share & Earn referral benefit is not being held to the standards in our Terms & Conditions, the ability to continue with the program may be removed. When access to the program has been removed, we’ll be unable to uphold any pending referrals.
You can read more about the Terms & Conditions here: https://help.northone.com/en/articles/4228585-northone-referral-program-terms-conditions.
If you have any other questions at this time, please feel free to contact [email protected]. Thank you.
