OneUnited BankReviews of oneunited.com

My bankruptcy was filed earlier this year and officially discharged several months later. This company received official court notice of the bankruptcy and correctly reported it to both TransUnion and Experian. However, due to blatant negligence, they completely failed to report it to Equifax. To make matters worse, months after my bankruptcy was fully discharged, they incorrectly reported a charge-off to Equifax. This makes it look like I accrued a fresh charge-off after bankruptcy discharge. Because of their error, every lender who pulled my Equifax report rejected my applications, citing a post-bankruptcy default. Furthermore, they even sent me a bill after I explicitly informed them by phone that I had declared bankruptcy and gotten a discharge. They didn't even bother check their records or my file before contacting. Is this really someone you want to be doing business with? Leaving me no choice but to dispute with Equifax directly.

Do not recommend with all the over draft fees, added my external accounts last year for some reason my accounts needed to be verified again.. never gives accuracy of deposits it’s always days later.. not sure if the overdraft fee is accurate especially since there’s no accuracy on charges as well as purchases. The app is trash and out dated. Planning to close my account.

DO NOT BANK WITH ONEUNITED. I was a victim of check fraud back in May and as I write this in July the situation is only getting worse (I’m out $6k can’t afford rent and check fraudulent acts are continuing to post in my account and I can’t get them to close my account no matter how many times I call.) Save your money from their disorganized unethical mess and put it in a basicass bank that has their shit together.

I had this bank all of 3 months. I switch and had all of my deposits put here. Was able to successfully make transfers and everything. Just last week, all of a sudden, my acct cancels transfers, no reasons, even though my name is on all of my accounts. This happened during closed holiday hours. Yesterday was Monday, I was able to set up bill pay. Hours later, my transfer profile is suspended. By the end of the night, my bank acct is closed with no explanation, no remedy. Im guessing its like the typical thing when you are representing that particular group. We have to strive to be better than the other guy, prove we belong and that we can also put on the big boy pants. So instead of remedying the issue, they view me as some sort of flight risk and just canned me. Even though I have a good banking reputation and have been with my other bank for over 20yrs. But I guess its better to find out who they are now than years later. Shouldve known better than to try a bank that isnt even nationwide. Call myself trying to "support my own". Just another reason why many of us dont.

Stay away from this bank, if you have money in their accounts and do not use it they will take it and refuse to restore your balance. Their reason is "Inactivity" That's how the 1st Black owned Bank does business

I am African American and I try to support Black businesses. The problem: although we are a gifted group of people, our business acumen is in the chicken/chitterling circuit category. I will save the diatribe regarding the nightmare I experienced in even trying to access my account through my app or online when I first became a member. That story would take a tremendous amount of emotional bandwidth of which I will not lend. *sighs* My immediate issue is with the bank not contacting me when I email folks like Teri Williams, et. al., to help with an issue. Although her email address is not public, I went to an online platform that shows how most folks who work at One United Bank are assigned their email address. In doing so, although I am not sure, I composed Teri's email address to issue a complaint. The email did not bounce back to me. So, I am assuming she received the email, 'tho, I was told to never assume. THAT SAID... I have been a member One United Bank for three months. Prior to, when I considered becoming a member, I spoke to customer service to inquire of the benefits of becoming a member. They were nice and told me some of the services they offer. During the conversation, I specifically, asked about the Cash Please? loan. A couple of different customer service reps indicated that as long as I am a member for 30 days, I can apply for a Cash Please loan. Fast forward to being a member for three months, every time I apply for a Cash Please? loan, the area is "grayed out", therefore; I am unable to click on the "apply" button to receive the loan. I spoke with a myriad of folks who work at the bank who indicate the "algorithm" indicates when it will be time. Also, a few of the customer service reps indicated that due to my account being overdrawn a couple of times, I have to wait. Meanwhile, I have had several direct deposits from my job as well as my pension check from another state post for the last three months. I am uber frustrated. I told, even, the customer service rep I needed a tire. C'mon! Do better! Teri, please email. The email address of which I created with your name did not bounce back to me. If you want to be the best bank in our community, vibe with us. We are our own worst enemies, and I pray One United Bank won't be one where I will have to pull out my money and place into another bank. If you are a TRUE leader at a bank, you will be moved to read this and respond accordingly.

I’m TERRIBLY DISAPPOINTED in the ONE UNITED BANK. To be the largest black owned bank in America, yet to provide poor service and be seemingly penny pinching is sad. I’d banked with them since 2020 and when I finally retired and got the time this year, 2026, to put my financial affairs in order, on January 3, 2026 I requested a beneficiary be added to my 2 accounts - a 2-3 day process. I spent 3 weeks calling, emailing reminders and queries and twice re-submitting documents and information to a faulty online system only to be told each time I complained that my issue was being escalated and I would have results by at least the next day. Though the many initial phone agents were pleasant & sympathetic,especially D’Shana (thank you for trying), they could do nothing but “escalate” my situation, yet I had no manager to speak to and nothing was done. When I finally decided to close out my 2 accounts due to my frustration and other circumstances, I asked a phone representative on January 23, 2026 about the process of receiving my money from both accounts and was advised of 2 methods - via cheque by the bank, processing of which could take 7-10 days, or simply transferring my money to a linked bank which is immediate. Interestingly, soon after this conversation, I received an email confirming my beneficiary request!!!!! I, nevertheless, proceeded with closing my 2 accounts and, having chosen to transfer my money, I totalled the amount of the savings and checking and transferred it January 26, 2026 to Chase Bank.I did not realize that transferring it as one transaction instead of two separate transactions would be problematic and having not been advised differently by the agent who knew I was closing out both accounts, I expected a smooth process. And indeed it seemed to be smooth as Chase Bank showed receipt of it - until days later, January 28th, Chase showed the transaction had been rejected. Meanwhile, there was no red flag in my account from One United, no deduction of anything.. In fact, when I checked One United my account was still open with the exact, full amount in each account! So I called One United February 2, 2026 and enquired and was told my method of transference was the problem. I then chose to not use that method again (though it would have been faster even if doing one account at a time), and I chose instead to have the bank send me 2 separate cheques in the mail 7-10 days later. On February 12th and 17th, 2026, the cheques arrived. The cheque from the Checking account arrived some 5 days after the one for the Saving account and the amount from the Checking account was SHORT by approximately $37.00. Upon enquiry Feb. 17th, 2026 via phone again to the bank, and after having a few different phone agents not find any info/details explaining the shortage (suggesting this was an unusual situation otherwise there should have been a clear activity accounting in my file), I was finally transferred to the 3rd or 4th agent and told a fee had been deducted because of insufficient funds in the checking account. I figured out my checking account had less than my savings account and the system recognized transfers as coming only from the Checking account so my combined amount from the savings & checking showed up as being overdrawn in my checking. Clearly this was a unique situation, an anomaly, thus no one had easily been able to explain it to me starting with the first agent. I requested a refund, a waiver of the $37 as the bank had not been forced to pay anything on my behalf - the same amount that I tried to transfer had been rejected and basically had remained in the One United Bank, plus it was a mistake in communication & their system and, as far as I could see, they'd not lost a cent because of this.Additionally, I'd never been overdrawn before.I was told my account was already closed. I noted that it shouldn't prevent them from sending a cashier’s cheque. I got the issue escalated and was transferred to a manager’s number where I had to leave a voice message. NO ONE CALLED BACK! I called AGAIN on February 23rd 2026 and the phone agent left me on hold (without any intermittent explanations) for such an extremely long time that I had to hang up and call again. The new phone agent also couldn’t help, but was able to escalate me to a Senior Agent who actually answered. I explained the whole situation AGAIN and she said I’d hear from them within a day or 2 via e-mail. I NEVER HEARD FROM THEM. As of this review/complaint they have not reached out. At the very least I would have expected the courtesy of an official rejection letter and that would be that. But the silence is deafening. Clearly the LARGEST BLACK -OWNED WORLD BANK apparently needs my $37 way more than I, as a retiree, need it. SAD!!!! DISAPPOINTING!!!!! There's much to be improved upon.

I’m extremely frustrated with this United One Bank Their infrastructure is severely outdated OMG It’s as if I went back in time before there were computers I mean back to the Horse & Buggy Days I have five or six different Bank Accounts and One United is the worse as far as moving money around due to United has created a sever BOTTLE NECK due to their Snell Pace . I was once very proud to be apart of this Bank But I can plainly see they don’t care about Us