Bank, manage money with AI-driven insights, create budgets & monitor credit.
*** AWARD-WINNING AND FDIC INSURED! ***
Named one of Inc. Magazine's 2024 Best in Business in Finance.
*** WHAT’S NEW *** WiseOne, a state of the art AI-driven conversational money management platform built with Google Gemini.
Stop guessing and start succeeding with the WiseOne Financial Wellness Assistant, our conversational AI-guide that helps you manage your money, build wealth, and achieve financial freedom.
WiseOne is a convenient, all-in-one financial solution providing personalized budgets and alerts, powerful credit-building tools, and more.
*WiseOne is a money management tool. Not FDIC insured. See disclosures for details.
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*** WiseOne: AI-DRIVEN MONEY MANAGEMENT BUILT WITH GOOGLE GEMINI ***
Our premium AI-driven money management feature, WiseOne, offers next-generation conversational technology and personalized financial intelligence Built with Google Gemini.
CONVERSATIONAL AI BUILT WITH GOOGLE GEMINI
Ask questions and get instant, personalized answers on spending, saving, and financial topics.
PERSONALIZED AI-DRIVEN INSIGHTS AND ALERTS
Receive real-time, actionable insights and instant alerts to help you make better financial decisions.
AI-DRIVEN BUDGETING
Build smart budgets based on your financial habits, with proactive notifications on your progress.
COMPREHENSIVE FINANCIAL TRACKING
● View all financial accounts in one place
● Monitor net worth, cash flow and credit score
● Analyze spending trends and subscriptions
● Automatically categorize transactions
GOAL SETTING AND PLANNING
● Track progress toward savings goals
● Track debt payoff and other goals
FINANCIAL EDUCATION
● Access library of tutorials and articles
● Take financial literacy courses
● Make better financial decisions
CREDIT MONITORING
● Track your credit score
COMPREHENSIVE MONEY MANAGEMENT
● Track checking, savings, and investments
● Track credit cards, student loans, and mortgage
● All-in-one easy-to-use app
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*** SEAMLESS MOBILE BANKING (CHECKING AND SAVINGS) ***
Manage your daily banking needs with speed, convenience, and security.
ACCOUNT MANAGEMENT
● Check balances
● View account activity
● Review card transactions and more
EARLY PAYDAY
● Get paid up to two (2) days early
CARD CONTROL
● Turn debit card on/off
● Manage recurring payments
NATIONWIDE ATM ACCESS
● Access the nation's largest ATM network
● 100,000+ surcharge-free ATMs
AUTOMATED SAVING
● Set up automatic savings
● Achieve savings goals
CREDIT BUILDING
● Monitor credit score
● Secured credit card available
● Build/Rebuild credit
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*** SECURITY AND COMMITMENT ***
We prioritize your safety and financial empowerment.
TOP-TIER SECURITY
● Bank-level encryption
● Fraud alerts and instant notifications
FDIC-INSURED BANK
● FDIC-Insured bank*
● Higher level of regulatory compliance standards than our competition
MISSION DRIVEN
Multi-year, award-winning certified Community Development Financial Institution (CDFI).
AWARD-WINNING RECOGNITION
Named one of Inc. Magazine's 2024 Best in Business in Finance.
CUSTOMER SUPPORT
Access financial support via live human support and in-app tools.
To learn how we protect your privacy, please visit https://www.oneunited.com/online-banking-disclosure/
I opened this an account with this bank last year with the intention to #bankblack. While the bank itself is a great bank, the app leaves much to be desired. Since I live 3 hours from a branch, I depend on online banking and this app. 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 the app 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 this app is pretty basic. If you want to just check your balance and see your transaction history then this is the app 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!!
The App Needs Much Improvement
Thumper9063
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, this app needs a MAJOR upgrade. I hate to compare the app to others such as CashApp and Navy Federal, but this app 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 this app for several minutes on end with no success finding what I’m looking for. Another issue is most links in the app open the website, not other pages within the app. 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.
Developer Response
Thank You for the review regarding your customer experience with OneUnited Bank! We appreciate all feedback to identify ways to improve. This feedback will be sent over to the appropriate parties.
Poor Customer Service
SMH! Poor service
I opened this account because it’s black owned! I deposited a check ($50 Christmas present) and I never received notice that it didn’t go through because I didn’t add For deposit only at OneUnited Bank! I figured that out by checking the status everyday for about a week! I then re-deposited the checks after adding the necessary information! I also contacted customer service and was told they couldn’t tell me anything! I checked the status of the check re-deposit and it informed me I ability to deposit checks from the mobile app was blocked! I’ve had no problem with my direct deposit! I called customer service and was told a case was being opened and I’ve heard nothing and seen nothing about my check! This is ridiculous and extremely poor service! I attempted to close the account and was told I have to call! I’m so disappointed in this bank and truly expected more from the bank! Don’t waste your time banking with this bank! I now can’t deposit the check in another bank or take it to me mother’s (Christmas gift from her) bank and cash it because I don’t know what happened to it with this bank! Shame on OneUnited Bank! I can’t be the changed I want to see when the bank is giving such poor service!!!
Developer Response
Thank you for this feedback. It appears from your comments that you had to contact us multiple times and still your issues were not resolved. We regret that you had this unsatisfactory experience with us. We are reviewing your experience to see how we can address your needs. Please call us at 877-663-8648 Monday through Friday from 9 AM to 8 PM ET to discuss your account. You can also visit our Contact Us page for assistance. Thanks again for your valuable feedback. We look forward to serving you.
App needs major upgrades
@jamboy75
Hey y’all just an update. The app 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 the app. 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 the app 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 the app is lacking so much I don’t think I can for long.
This update includes general improvements, enhancements, and bug fixes to provide you with the best possible experience.
Version 2026.04.02
The developer, OneUnited Bank, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
Purchases
Financial Info
Location
Contact Info
User Content
Identifiers
Usage Data
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
