OneUnited BankReviews of oneunited.com

I previously shared my concerns about the lack of basic banking services at OneUnited Bank and received what felt like a generic, automated response assuring me that those services exist. That’s nice in theory—but in practice, it’s been a different story. It has been impossible to locate an ATM where I can deposit a check. And before you say “just use mobile deposit”—yes, I tried that. But there’s a cap on how much I can deposit online. So I called, thinking I could get a one-time authorization to deposit a larger amount. They could verify the funds, right? Simple enough. Wrong. After managing accounts with multiple banks, I can confidently say this experience has been unnecessarily difficult. I want to support a Black-owned bank. I want to be part of a financial institution that reflects my values. But the lack of accessible, functional services makes that nearly impossible. Please—get it together. Your mission deserves better execution.

This was one of the worst banking experiences I had. Everything Masta says to do, these criminals do. I bought an unsecured credit card called Unity Visa Card from these criminals. I added money before spending and they refused to acknowledge the extra money I put on the card to extend the credit. They came up with all kinds of deceit, why not to put my money to increase my credit limit. They created incomprehensible transaction reports to try to hide the extra money I put on the card to extend the credit. One agent said and they advertise, that the money you put on the card, dollar for dollar increases the credit limit. It's a lie. I would not recommend anyone to this bank. The legal abuse and fraud is a disgrace to ALL people, especially it being an alleged Black Bank. It felt like banking with the KKK. This is a revenge for hire, whatever Massa say do, we do, entity specializing in bank deregulation and exclusionary criminal practices. I tried for months to get them to respect consumer protection laws and nothing changed. They are an embarassment to the black race, specializing in the use of law in a manner not authorized. I closed the account and would not recommend a dog here.

Withdrawal capability was disabled abruptly without adequate clarification.

This Bank takes pride in saying they’re the biggest Black own bank in the United States, but at the same time, they have high fees, and now the fee for maintenance for the savings account is $10.00; it used to be $5.00 a month. Their overdraft fee policies need to be investigated by federal and state regulators, not just the BBB. The overdraft fee is $37.00 no matter what, and the only solution they have is to keep your account in a private balance. I have to admit that my checking account is very negative, so they charge me around $400.00 a year in overdraft fees. This is what got me one day, a company I did business with made a mistake and changed $7.00, my account, the bank charged me $37.00 because my account was in a negative balance. However, the company corrected the mistake and credited my account back $7.00, but this is the sad part: OneUnited Bank still made me pay the overdraft fee even though the $7.00 was in my checking account. I know, for a fact, that in the future, this bank will have issues with big regulators in their tactics with overdraft fees. OneUnited Bank's dispute department is horrible. They often don’t get back to you, never respond to you, and don’t give you credit to your account, no matter the situation or amount. Sometimes their customer service representatives are rude and have bad information, but they record all conversations, so it’s easy to report. They do have good managers who try to help with issues.

I applied for a checking account on July 20th and was denied. Even though denied they put a hold for the $25 opening deposit on my other checking account as well as a five cent hold. After being denied I got message from them saying the funds were instantly returned and that it may take my bank a few days to put the money back into my account to contact them to make it faster. I have talked to my bank twice since and both times have been informed that One United Bank hasn't voided either transaction so both have remained in my account as pending. Any other bank account I have ever applied for a checking account to approves you before taking the money from your bank account for the opening deposit. There is no point in taking the money just to deny you. The instant I hit the submit button on the application after entering my debit card details I instantly got the message saying I was denied. Now here I am wondering where my money is with both banks basically saying it's the others fault to contact them and it's ridiculous

I never received my debit card in the mail and someone committed fraud with it. I actually called them 3 days before the fraud appeared on my account to tell them I never got it and they told me they couldn't do anything until a certain date which was the same date that all the fraud transactions occurred on my account. One United Bank refused to refund the full amount even after multiple calls and now I have had to file the case with the NYS Department of Financial Services and send them a certified letter to anyone to bother to look further into it. Plus they contract out their fraud services and these people don't even have their business straight because I've gotten three different claim numbers one of which was never on any of the documentation that I received or given to me during any of my calls. **An update--Three months later and I am STILL fighting with these people for my money. This is ridiculous.

I have not had a pleasant experience since joining this bank almost a year ago. The customer service is nonexistent. This has only been my third time reaching out. I feel as though this bank is better for middle to high earners that have flexibility when it comes to money. If you are on the lower end of the spectrum I would not suggest this bank black owned or not. I appreciate your response but if I felt I was treated with respect or dignity. I would not have taken my time to write a review. I’m sure there are those with pleasant experiences, mine however was not.

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