OneUnited Bank Mobile Banking Reviews

I opened this an account with this bank last year with the intention to #bankblack. While the bank itself is a great bank, OneUnitedBank leaves much to be desired. Since I live 3 hours from a branch, I depend on online banking and OneUnitedBank. In order for me to put money into my account, I have to transfer my funds from my account through another bank to this account but in order to do so I would have to do it through the website as OneUnitedBank doesn’t offer transfers to and from outside accounts. It’s extremely inconvenient if you spend almost 80% of your time traveling like I do and can’t always sit down at a computer. My solution is to set up scheduled transfers to combat that problem. Also the user interface for OneUnitedBank is pretty basic. If you want to just check your balance and see your transaction history then this is OneUnitedBank for you. I did like that it supports the fingerprint. Because it takes 4 days to process a mobile deposit and three days for your money to hit your account when you transfer money and your direct deposit may not be there right away, I chose to end my relationship with this bank. If you live in the areas where the branches are (and there aren’t many at all) you may have a different experience. If you need a second account for a rainy day fund then this is the perfect bank for you!!

Hey y’all just an update. OneUnitedBank is needs some serious UPGRADES! In today’s world if your app is that far behind you lose out on customers. You can’t wire transfer someone unless they also have an account. Just one of the many flaws I found in OneUnitedBank . Also they have a $10 maintenance free for your checking account and $5 for savings. I really want to support them but I may have to go back to my old bank. Also they say that have partnering banks or credit unions do your research in your area things have changed and they may not be the case in your area. Case and point on OneUnitedBank it’s said there was a Credit Union who will place my money free of charge no issue to my account. I get there and they quickly told me know that not the case they didn’t even allow it. It’s 2020 they even make you download 3rd party app like zelle, Venmo etc. why aren’t those app built in with a quick link. It’s very annoying. The fees are what got me. Like I said I want to support but OneUnitedBank is lacking so much I don’t think I can for long.

For starts, I have no complaints about this bank since being a member in Oct. 2020. I get paid 2 days early and never have issues with my deposits or transactions declining.

Now, OneUnitedBank needs a MAJOR upgrade. I hate to compare OneUnitedBank to others such as CashApp and Navy Federal, but OneUnitedBank is not functional for bank accounts, in my opinion. With other bank apps, you can easily access your debit/credit card settings and change your notification preferences, freeze/lock your card when needed and report it stolen. I find myself searching through OneUnitedBank for several minutes on end with no success finding what I’m looking for. Another issue is most links in OneUnitedBank open the website, not other pages within OneUnitedBank . I love this bank so this feedback is given in the hopes of a huge app remodel and upgrade that would greatly improve customer experience.

I already hate this bank like every transfer or anything I purchase they block my card for no reason at all and then I have to call them in yell at them because of it they have no reason why they do it but only will day it’s out y’all ordinary like why is y’all want keeping a close eye my about my money I received SSI each month only deposit that’s going inside my bank account I take out money at a ATM to pay back a friend after the withdrawal I tried ordering wind stop my debit card was blocked from no reason I cannot even enjoy telling my friends family about this bank because they see what’s going on and just always tell me to leave OneUnited bank because of it for example no Mickey D’s cik fa lay in&out burgers chicken wings etc I hate this bank seriously I’ll never enjoy this bank at all or even say happy things about them ...they block my card every 2 transactions I make on it and saying it a fraud alert!!

This is not a very robust app, and lacks a lot of functionality provided with other banking apps. It also has alerts/notifications to get you to look at other products and content that you cannot turn off or even dismiss without clicking through to every piece of content/article. I want to support this bank but it’s pretty frustrating—there is also a $1,500 limit of what you can spend per day which is not realistic for big purchases/bills/travel etc. Apparently this is to “protect customers” but you can’t change this per account, and you have to call in on a case by case basis to have it waived before you can make your transaction. This is apparently the same deal for even business accounts. I really hope they make some serious improvements!

Well i really desired to bank black, but this is not experience i hoped for. Im no where near a branch so i use OneUnitedBank heavily. I expect that when i use OneUnitedBank that i can see what is currently in my account. With OneUnitedBank it was a hassle...all the time. I use this account to do everyday spending. So when i check my balance, I expect it to be up to date when i sign in...every time. Of my chase app can do it i know OneUnitedBank should be able to. There has been too many times i checked my account and see my available balance drop by 40 dollars in a few hours and i only used my card twice in a few days. So i cant keep up with my money like i want like i can with my chase app. OneUnitedBank needs to be updated for that reason.

i put $50 on the card they kept telling me low balance low balance low balance OK I could not put anything else on the card I’ll turn around and deduct $10 off my card and make it $40 on my card how dare you take $10 from me not let me knowEvery time I try to go to the information about what are you saying to me me you’re sending me information it never goes to just go around and around in circles and not let me know what’s going on so you just took my $10 not let me know the low balance means I need to put some more money in there he just took my money but I need to put some more money in there just take my money off the card that’s not right I should’ve been informed if I do not put more money in account you will take some out and I just took my money and not let me know upfront before you took it

Update: October 2020
The stability of OneUnitedBank has improved and OneUnitedBank allows you to accomplish most of the bank functions with ease. I am happy to see OneUnited continuing to add functionality and making the bank more user friendly. More ATM access and the ability to deposit cash is the only thing we’re missing.

OneUnitedBank works well most days but will randomly freeze and not allow me to access my account. The locations function can use some improvements as it has taken me to closed or removed ATM’s on several occasions. It would also be nice to view check images on OneUnitedBank . Overall, OneUnitedBank is functional and will allow you to check your balance on the go.

App is outdated in comparison to all the other banks I’ve used. Unable to reset my password due to annoying callback feature that never works. I can’t access my account when I need to. I wanted to support the bank black movement, but I will no longer be able to do so. No 24/7 customer service, which is a major inconvenience. If OneUnited doesn’t have 24/7 customer service at least make sure you have a reliable App or online banking capabilities. OneUnitedBank = FAIL, Online Banking = FAIL, Customer Service = FAIL. Make some major improvements and I might return. Until then, I’ll have to bank elsewhere. I’m embarrassed that I’ve recommended this bank to family and friends. Cool debit Cards though

I can only see the first screen once I log in and nothing works but the logout, it like a sreenshot, you only can just look at it but not access anything.. Help plz because I have pride in this movement so don't let me down black bank, the media is waiting for a fail with anything that's dealing with black..;)

Update: it let me use other features this time when I logged in so I’m satisfied, I didn’t update nor did I uninstall and reinstall so maybe it was the weather so currently I’m happy:)

I just started using this bank. VERY happy to do something for our community. I’m sorry to see some of the negative reviews. I know the phone app isn’t perfect people but let’s build from here. I am disappointed that I can’t seem to initiate outside transfers from the phone app. Have to go to the website. But I want to support this bank. White man’s system has no respect or interest in us. Let’s just support each other and I’m confident they will improve over time. Much Love

I really appreciate one United. So many bad reviews but I’m sure they gave most of you second chances. I have so many bad things too say about the white owned banks that’s negative it’s ridiculous, like they way they became the bank they are today. I personally would recommend this bank too anyone who needs a second chance. One united handles all situations in a Pragmatic way, realistically everyone has too grow and start from somewhere.

I wanted to be apart of something beautiful which is black owned business. But it has been a disaster .. The overdraft fee is more than any other bank I’ve had. I received 2 in one day because my account had been overdraft because I Lyft to work. But that’s not the problem I’m ok paying the fee.. It’s waking up with no direct deposit which I have never experienced with any other bank. Even though OneUNITED says you can get paid up to 2 days early and they make your funds available as soon as your employer post them. LIE !!!! Here it is Friday payday and my daughters birthday and I have no direct deposit it’s still saying pending on actual payday. Soooo it’s a no for me. But on the plus the bank cards are beautiful :)

I’m really happy with the improvements you’ve been making to OneUnitedBank . I’ve been with your bank almost three years and the experience has consistently gotten better. Customer service has always been excellent but technology struggled to keep up. I’m glad to see Apple Pay is now available and advance Direct Deposit is here. Those two alone put you on par with my local bank. The only thing left on my wish list is Unity Visa integration within the mobile app. I hate using a third party website.

Im unable to get access to my funds from an atm and the customer service number is the worse. They hang up after a certain amount of rings and the wait for support is waaay to long. This has to be fixed before I remove what little money I have left with this bank.

OneUnitedBank closes out unexpectedly when trying to view other selections besides your balance. I’ve also had several notifications come to my phone saying I needed to check my messages when attempting to do so once again OneUnitedBank closes out after I logged in OneUnitedBank is only useful to view your balance needs to be updated and yes I’ve removed OneUnitedBank from my phone three times just to be sure it wasn’t something on my end and still got the same results it’s annoying and disappointing.

I have no problem banking Black and always strive to keep something in the account but OneUnitedBank leaves much to be desired. It sends me notifications that I can’t clear because the News Feed never opens in app and the message icon always reads no messages in the last 7 days. Why not just let me see all applicable messages? They definitely need to look into the news feed to check for bugs as it either hour glasses or crashes OneUnitedBank .

For many months my news feed continues to stay in buffering mode. I will receive a notification that content/message is there, but when I open the page, it buffers amd I cannot close it unless I close OneUnitedBank completely. I’m annoyed because I cannot clear the new feed content/messages and I cannot turn my notification off for other reasons. Help & fix it.

Do NOT bank with this company. In a attempt to support black banking I used this bank as my savings account. When I went to use my card to withdraw funds during an email it did not. I call over the course of 2 days with people telling me nothing was wrong with the card. After a request for a new card, after being promised it would arrive in 7-14days. It has now been over 30 DAYS I have nothing. And I can’t even have them do a emergency external wire. This is a horrible business and even worst practices. Trust someone else with your money.

I’ll be honest as a Black Latino I find it quite thrilling to have a black owned bank as my financial institution but the customer service I’ve received from OneUnited has been less than adequate compared to other companies I’ve banked with in the past I think if the customer service was better I’d be more inclined to give a higher review but one time I was on hold for twenty minutes and it really seemed like the rep took a nap before helping me or getting back on the line with me and even after the 20 minute hold she still had little to no information or solution for me

Why is there always a message notification every time you log on? We should only get a notification if there are new messages, not every time we log on. Other than that, nice app.

All around just bad customer service ! Charges pens past 7 days , well after the merchant has cancelled the transaction. I work for a REAL bank and know once it’s 7 days and it’s still pending it’s not the merchant it’s a system issue with the bank. Customer service wanted a letter from the merchant proving it was cancelled , unnecessary! Charged OD fees for transactions that had already cleared and more than enough money left in my account . Two days later charged 2 OD fees and negative in my account . Their excuse , read the agreement !

Been banking with OneUnited for a year and a half and it’s been a great experience. I bank online and OneUnitedBank makes life really easy. Also, not many people can say their bank is black-owned and has a central focus on racial justice and progress, so that’s pretty awesome.

I was tired of being surprised by my credit union’s charges so I decided to put my money where my people are. I’m very pleased with the results and have recommended them to friends and family.

..but don’t like the inconvenience of online banking services:
1. Replaced phone due to damages and cannot use app because app requires phone call verification that does not work- ever. Calls do not go through.
2. Bank has NO 24/7 customer service. If you need to do important business after 5pm PST you have no banking support.
3. Customer service representatives on the phone are sometimes unprofessional and unpleasant.

There is not much to OneUnitedBank . You can get the basics done...view your account and transfer money and other simple tasks. It’s cool if simple is what you are looking for. I use OneUnitedBank frequently and have had no issues. Need to see real time account activity. Some items hold way too long. #bankblack

The money transfer system transfers so slowly. It would be great if the process could move faster.

I love One United as a bank, however OneUnitedBank clearly is outdated and needs serious upgrades to keep up with competitors. The transactions do not upgrade in real time and the interface is hard on the eyes. Needs to be more user friendly and most certainly needs to update in real time given that I do 100% of my banking online since theres no branch near me.

Great concept and I will keep the account but it is not a practical bank to use for everyday banking. I was disappointed in the deposit system, outside of direct deposit there is no fast or easy way to make deposits. Great as a second or third account just not very practical online banking.

It’s a terrible app for iPhone users because not even the website functions well on safari. I would appreciate access to my statements from OneUnitedBank . The notifications are helpful though