OneUnited BankReviews of oneunited.com

Had an account with them, but let me start at the beginning. First of all, they make it extremely hard to deposit money. I was told to go to either Walgreens or CVS to make a deposit because there are no branches near me. So the ATM that takes deposits doesn't! Then they say you can make deposits at the register. You can, but it costs you $5 for every $500 you deposit. This has to be a joke! So the next issue, they allow you to add an external bank to transfer funds into your account, another joke! So I set up my other account to transfer funds into the account. The first one goes well with no problems. The second transfer I initiate was something totally different. I get an email saying that the transfer was stopped by my other bank. I call my other bank and they say that it wasn't them that stopped the transfer, so I call OneUnited. One United tells me that they will send me an email so that I can verify my external account, so I say no problem. I never got that email. The email that I did get was an email saying that my account was being closed for deposit fraud. Deposit fraud? I call and tell the customer service representative that I have all the proof that the account belongs to me and guess what she says? "I'm sorry, sir, but your account is being closed so get all your money out of our bank before 4/28/25." Seriously? I tried supporting my own and look what it got me! Makes no sense when all they had to do was verify my account. After reading all the other horror stories associated with this bank, I'd advise anyone considering joining to steer clear!

I have been a OneUnited customer since 2020 for the sake of supporting a Black owned bank. I was excited to move away from the big banks such as Wells Fargo and Bank of America. Things started off great. I enjoy getting paid 2 days early. However this is my 3rd time out of the country and each time I have had difficulty accessing my money or using my card. This is a horrible feeling traveling abroad as a single woman and not having access to necessary funds. I have called customer service multiple times, included my travel plans in the app and still NO ACCESS to money. When I call they tell me I have to wait 24-48 hours. Or I can’t get anyone on the phone at all. For this reason alone, when I get back to the states I will be closing this account and opening one with my local credit union. I am saddened by this decision but as a person who frequently travels I do not feel safe or supported with this bank.

Monthly I make a transfer from my Venmo account into my savings account, but for two months ( Dec + Jan) I received a fee despite the transfer being made. The rep and their manager insisted this fee is always charged and that's incorrect. When I initiated the transfer in Venmo as a regular 2-3 day transfer, no fee. But the instant deposits show up in the account as Real Time Payment Deposit VENMO vs External Deposit VENMO CASHOUT. The cashouts incurred no charge. The rep insisted I was wrong until I pointed out the difference. They then told me refunds aren't usually given but did a one time return for one but not both of the fees. At this point, I am not sure this is the account for me. It's not my main account and don't feel like playing games every month for an account that doesn't even have any interest for my troubles. My other accounts at capital one or greenwood has no fees and interest in the checking and in the basic savings with no limits. I opened this during the pandemic trying to bank black but at this point, I've spent more in fees than I've saved.

I don’t like how the Secure Credit Card works. The bill pay was not working right, and payments had issues with the Secure Credit card, so they closed my Secure Credit card account and the deposit I put down. They said I must pay the card off to get my deposit. No other bank is like that. A secure credit card account allows you to open a savings account, and the deposit amount is the amount of your credit limit. If you close the account and the amount you owe is less than the amount you put down as a deposit, you get your money back. OneUnited Bank The whole thing is that I’m you don’t get your money back to you pay off your balance but banks usually use your deposit to pay off your balances but not this bank. They said that’s their secure credit card policy. They never refund me my late payment fees because of the bill pay issues. I asked them to even open back my security credit card they never get back to me. I strongly recommend you should not open up a secure credit card with this bank is plenty of banks and other ways to help build your credit and get your deposit back. This T. Hill

After closing my secure account. One December 4th. Telling me to mail a money order. On February 2nd. 27.83. now you're telling me 30 more days just to get $300. Same on y'all. And if I close my account it's because you're ignoranty

In June 2024, I started banking with OneUnited and signed up for their Secured Unity Visa Card. I call 877-663-8648 at least 5-6 times in one day to try to speak with a branch manager or a customer service representative. To date, I have not been able to reach a live representative to answer questions about my account or to file a Reg E claim for inaccurate transactions. Additionally, I pay my bill on the due date, but some third-party company holds the money for 1-2 weeks after the payment, and then this unknown company posts the payment in the next month. When I called to ask why you accepted a debit card payment on June 30th but failed to post the payment until July 7th or thereafter, I was told a ticket could be created, and someone would reach out to me, but no one has returned my call. I reached out a few more times to get a response, but the phone just rang for 3-4 minutes and then disconnected. If there are issues with the account, I am told to call Visa, but the employees with Visa are not able to assist with card account management. I was recently told the card would be closed out for poor payment history, but I paid the card on time, and the third-party company that OneUnited Bank has contracted is withholding my payment. to date, they still have not returned my initial $1,000, and the phones are not working again.

just like the white banks

My direct deposit was being deposit in my account with no problem for the last 5 years paid two days in advance. Now last 2 months the deposit scheduled the day of and after my pay date, they said they put in tickets to resolve the issue but there haven't been no changes. I have not received any updates, the employees never let me speak to manager. This is the worst bank i have ever dealt with and I'm going to change to credit union. Honesty, I think they want to collect overdraft fees.