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OneUnited Bank

Financial Services, Banks & Credit Unions

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96 Reviews

96 Reviews


Very bad customer service. I requested by internet a secure credit card on Feb. 2014, everything was fine. They took from my checking account $500 to deposit on March 12 2014, I received the card by mail and I called to activate the card but when I try to use the card was declined. Here started the problems. I called to the phone number that is behind to the card and they told me they can see the card was activated by phone for me but was cancelled for the bank but they can't help me only they can give me a new phone number. I called this new phone number and they told me my bank (wells fargo) from I put the deposit block the funds, they told me you need call your bank and explain this, they need release the funds. I don't believed this but I call to my bank and they said of course, that is incorrect. I called again to one united bank, after a very difficult messages, push #3, push #9 etc, etc. They told me they can't help me, I they try to give a new phone number and I tell him if you can't help me to activate the card then I want to cancel the card and my money back and they supposedly cancel everything and told me I will receive a deposit back on my checking account from $461 Because $39 Dollars fee. I tell him I don't want to pay nothing and they told me was my fault because I canceled the card. Next day I call again hoping can talk with a different person and I explained about this and he said the same: Was your fault for cancel but is fine I am going to remove the fee I you will receive a check by mail for $500 in three weeks. (new version, by mail)

After 4 weeks I don't received the check and I called to ask about the status this was already May 2014 and they told me we said three weeks but after we finished the process and we finish this on May 12nd then I will receive the check on June 9th. I never receive the check, on june 17 I call and now they told me the card never was cancel because I need to do this by a writing letter and send by fax, the same day July 17 I sent the letter and they never send me the check I call to ask and they said the check was lost and they going to send me a new one, on July 23 finally after four and half months I received the check. The mainly problem is the time that is necessary to talk with somebody from customer service, when you finally can talk with a person they don't know nothing, they need to transfer the call or give you a new phone number sometimes I called to Miami or Los Angeles, there are four hours difference that is a big problem too. I don't wrote everything that happened, this is a summary I called many times and they told me different versions, I honestly thought I would receive no money. Thanks for Nancy she help me a lot.


I love the service there they always make me smile.


I love the people and there service. Been with them for many years


This is turning out to be the worst i have dealt with! Only giving one star because i have to. It's a shame!


Horrible service. Managers have bad attitudes and the workers are unhappy. Very unprofessional place


Poor and ghetto customer service.


Very terrible I'm still waiting on my debit card it's been 2 weeks and I still haven't gotten anything this bank is full of s*** I have eyes everywhere about it please please do not get with these guys I'm telling if you do you will be truly disappointed they only have three branches they are terrible they don't do anything to try to speed up the process they don't do anything to try to assist you everybody tells you something different when you called me and nobody knows what the fuk they're talking about


Great service!!! I've traveled to Turkey and India using OneUnited and had no problems making purchases, securing hotels or withdrawing from foreign ATM'S. They even secured me during my travels to make sure there were no fraudulent purchases against my card. I'm not sure what the bad reviews are about, but I've received nothing but professional service and quick resolution to any problem I may have had. Banking Black is one of the best decisions I've made with my money. Thanks OneUnited!


I love banking black.


Great customer service 👍🏿


Horrible Experience! I've been a customer for 10 years or more. I love the people, so, 1 star for them, but I absolutely HATE the service. If they say 7-10 days, expect 20-25. If they say 3-5 days, expect 10 to 15. How is it that a Money Order bounces? I tried.....


At first it was a little difficult finding banks to make a deposit, and transactions take a lot longer than usual banks, seems their technology is not up to date , BUT , it being a second chance acct and secured card , where I couldn't get anywhere else , I learned to find my regular deposit spots and time the holds. And now it's great !


So far so good. The tellers are fast, friendly, and polite. I wish there were more branches but I prefer QUALITY vs. QUANTITY any day. Keep up th good work


Customer service was great , they always fixed my problem and stayed polite even thou sometimes I was rude and upset . The bank itself is not up to date , I found it hard to deposit money , the banks were closed at times convenient to me , and there was absolutely no one to talk to on weekends. This needs to be improved.


Very unorganized. Poor customer service.


I wouldn't dare go there if your on a time limit I waited an hour and thirty five mins to be moved from one seat to another to wait an additional twenty minutes to still not get a savings account open while being promised it won't take long and they apologies


Hours are inconvenient, won't allow atm deposits on business accounts, mobile deposits never works.


My friend wanted to cash her check, she was told that only citizens could do so. She has a passport of foreign country and credit card of bank of America. Really, this is the first bank we've ever met in America with such rules! ! I know a lot of people who cashed there checks in banks and they didn't have an American passport. What the discrimination?


For the most part, it does what I need. I gave it 3 stars because it’s an average bank. When I speak with representatives they are professional and friendly. I don’t live local to a back so I use mobile deposits often, never had an issue. Been with them for 2 years. The operation hours are inconvenient so I have to remind myself to call in the morning. They keep blocking my debit card, I was overdrawn by $4,05 for a week and when I called to fix it, they had to cancel my card and I had to wait 7 days for a new one. Overall, they are average. I enjoy banking here for what I need. It’s not my main bank because of the inconvenience but I’ll be a forever customer.


Having a business and personal account with this bank has be the most limited service I've experienced from wire transfer taking over 24 hrs in a business day to having a spending limit of 500.00 yes Five hundred dollars from a business account... Buy back the block... Thank God I kept my other accounts open before dropping the ball with what seem like a custodial account


if I could give a zero or zero starts I would ..those females who answer the phone always have a sad ass attitude and this bank has sooo many and way too many limitations i will be so happy when i close my checking account and just switch to a savings account


I moved my bank trying to be apart of the black movement and it was the worse thing I could do for my money!!!!! the fact I can’t access my own money on the weekend and they aren’t open to find out why I can’t use my own money that I worked very hard to get is unprofessional!!!! I will be moving my money right back over to the White owned banks where customer service is 24/7 and they don’t put holds on your debt card when using... you don’t have to drive 90 miles one way to get more than $500 out the ATM!!! My bills are more THAN a $1000 a month!!!! DO NOT I repeat DO NOT EVER EVER BANK HERE if you want ACCESS TO YOUR OWN MONEY!!!!!!


I'll try , most of the bad reviews seem to be from people who use this bank as their main bank, and i don't even plan to do that. I plan to keep my other bank and use this one strictly for savings for the future. The fact that it is limited and small is a plus for me because it just encourages a saving habit. I would advise others to do the same. and maybe stock purchasing if they do that.


They forever have an attitude when you call. 🤣

Update 3/19/18

So I made the poor choice of getting a credit card from them. For one the Heffa who answered the phone needs another job because customer service clearly isn't for her. She sounded like some ghetto hood rat. She was rude and had your classic black woman who doesn't want to be at work tone. They are making me wait 8 days to use my credit card again after I paid it. So I'm sure I will be getting another card from a real bank . Do not bank black. It's a bunch of crabs in a barrel. There are no financial literacy classes. They aren't here to help. Just a bunch of folks who need a job.


I joined this bank to "Bank Black". I hate to go with the stereotypes, but this Crenshaw branch can do better. The staff is great, service is nice, but accessing my money is a problem! The ATMs rarely work. Any given day you hope to get lucky to not have to go into the bank. The ATMs are old and outdated. They look run down, the drive up ATM feels like you're in a back alley, and the other is on the main Blvd for all to see you pulling cash! Time to research a bank that has up to date fully functioning safe ATMs.


Been banking with One United for a couple years now, and actually just signed up for Digital Passcode today (Apple Pay etc.). This bank has done well by me and are making improvements often.


Customer phone service is no help and will mislead you ...

Was told a pending electronic direct deposit will be available next day .. To no surprise its not available when the day comes ..

Fund Availability Disclosure States:

For All Customers:

Immediate Availability

Electronic direct deposits will be available on the day we receive the deposit (example: social security

benefits and payroll payments).

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays,

and federal holidays. If you make a deposit before 5:00 PM EST (at a OneUnited Bank owned ATM) on a

business day that we are open, we will consider that day to be the day of your deposit. However, if you

make a deposit after 5:00 PM EST (at a OneUnited Bank owned ATM) or on a day we are not open, we

will consider that the deposit was made on the next business day we are open.


I just wonder if most of these are trolls trying to post bad reviews to discourage Black Business. I know it happens so I think I will try it for myself


What's taking sooooooo long for my card with my money to come in??????

I missed out on a GREAT GURANTEED FINANCIAL INVESTMENT due to not having my bank card issued to me on the said date.

This is HORRIBLE as a first customer.


This is not my main back. I use as a savings bank. I have no complaints. Keep up the good work.


Great friendly service for my first visit!!


Very Professional! I use strickly for SAVINGS


I was lied to twice and told I would have to wait for 10 days for my money to be back into my account after an account was opened in my name. Thanks to somebody fraudulently using my information.


This is the worst bank ever in life. I just closed out my account with them. The customer service is awful. They have no retention recourse. I have no reason to Bank Black when Black is the term to just scam others who would like to be loyal out of their money. I've banked with Centris for years and not one issue. This bank is slow for information and when you email them they just throw out Truth n Lending disclosures. This is why Black people don't support Black business. I also enclosed a photo of the janky close account confirmation.Do not contact me about my review. Just do better for the next person.


I was charged a fee for cashing a check and given no receipt made me feel like I was getting robbed


Nothing but wonderful things to say about this bank. I joined several months ago, and have received nothing but professional, courteous service.

I've had many accounts over the past 25 yrs. I would say this is my best experience overall so far.


Brothers and Sisters, this may not be as secure and United as you may wish it was... don't do it!!!! This bank is clearly not set up for us... don't do it!!!!


SCAMMERS!!!! THEY PUT AN OVERDRAFT FEATURE ON MY ACCOUNT WITHOUT MY AUTHORIZATION AND WAS CHARGING MY OVERDRAFT FEES WITH MONEY IN MY ACCOUNT!!! I DIDNT THINK NOTHING OF IT BECAUSE WHEN I CHECKED MY ACCOUNT EVERYTHING IS NORMAL, months later they were sending me overdraft letters in the mail and when I reached out they didn’t do anything about it and CLOSED OUT MY ACCOUNT!! Now they CLAIM I OWE THEM 243 dollars and now I can’t open an account anywhere because of them!!!!


Black Bank ñeed I say more ! ! !


Great Customer Service...Everyone is polite and professional...👍🏽


😊Amen. A fun place to bank and meet business minded peoples


These tellers are the worst . Have long lines for nothing. So sad these tellers are super lazy. Very unprofessionally


Absolutely horrible. Just plain horrible, and unprofessional. I live in Las Vegas. First issue, when I joined the bank I requested the atm card, but they did not send it out. So i has to drive allllllll the way to the Crenshaw location to withdraw my funds. Second, while I was there I asked the teller if it was true that I could get my automatic deposit 2 days earlier like the current bank I had. She responded “absolutely”. Now here it is 2 days before the date of my payday. The money is there, but they won’t release it until Friday. I have been put on hold, passed around, and disconnected waiting to hear from the branch manager Sierra Elias, which I have not heard from, won’t return my calls, and when she called back she left no message. Please don’t bank black. Just stay right white and where you’re at. At least they won’t play with your money.


Staff were friendly and willing to help me after an error I made with my address. One time they refused to refund me $450 after a scammer accessed my account. A major bank would have credited back regardless. The atm card is always convenient for me whenever I need it. They aren't fee happy like other major banks. Everyone was professional to me except one of the security guards. I'm from an old school family where you speak and acknowledge those around you... security guard acted as if he really didn't want to be there. I spoke to him and he looked at me like he wanted to fade. Other than that I love the card designs and the checks they give when you open a new account. I'm hoping to use my tax return to get a card to rebuild my credit. I do wish they had more atm locations where you can do deposits.


The worst bank. I ordered checks and they sent them to the wrong address. Then I checked my account and they doubled charged me. Then the manager was too busy counting cash by hand, so I had to wait even longer for them to make a phone call to refund me the money. They still wanted to charge me the full amount after wasting my time.


Do not bank with them! This isn't even my main bank. I used them to show support. This bank is incompetent and they are holding onto over $700 of my money for no reason! They can't tell me why it's not being put back into my account. Their dispute department has refunded me and closed the case BUT the actual bank is holding onto funds. When the dispute department attempts to call them the phone clicks and hangs up. The departments can not even communicating between each other. The customer service reps have been very friendly but have no information. It's been two weeks me dealing with trying to get my money back from them. Initially, I would have recommended this bank for basic banking but they can't even handle a simple refund from a well known big business. They kept trying to out it off on the business BUT I have the audit report. I know it was refunded. This has been a stressful ordeal and it's been long. Do not use this bank.


I went this morning to One United Bank to inquire about opening a business bank account and I was quite frankly surprised by how I was told by the woman in charge that I had to come back when I have all my DBA paper published...

I don’t want to make a fuss over not much but I’d assumed that when you come to inquire about opening a business bank account the bank Staff would acknowledge you and/or at least pretend to show interest in your business.

I don’t like to discuss my business with a counselor in the middle of the line surrounding by people and so I left with my questions ... disappointed.

I went right away to another bank for the exact same inquiry and I was greeted very differently.

I was ask to explain the type of business I was running. I had a lot of question that were all answered ... Based on what I told them they presented to me the different options for banking account, also presented the different options for payment terminal and even how I could plug in my QuickBooks with my banking interface ...

I was given a business card with the name of the counselor that I can basically reach anytime before our next meeting.

And the overall meeting did last 15 min.

Efficient and pleasant !

Now I need to do obvious thinking on who I want to partner with to open my future business... :-(

Who is supporting who ?


Not much traffic


I wanted to open an account with them to bank black and support the cause. When I walked in I saw a sign that said visitors need a visitor pass from the customer service desk. I go to the desk and a man working there was texting on his phone. I kindly try to ask him if this was the customer service desk and he rudely tells me to "get back in line" like I was a child. Strike 1. I walked away and went inside the bank and saw they had a clipboard for people who want to open accounts but they had no pens. A nice old lady in line informs me that they don't have pens you have to bring your own. Strike 2. Then I try to see if I can talk to someone at one of the desks about opening an account and I hear one of the workers cussing out an old lady. Strike 3. I left. I have never seen such unprofessional behavior at a bank in my life. I wanted to support the cause, but they are not it.


Staff is very friendly and welcoming every time I walk in. It feels like I'm just part of the family. The wait times are not bad either. Pretty fast.


I write this with regret! I made an appointment only to be told that an appointment was only to insure I didn’t wait the 2hrs minimum needless to say I waited 45 min. Once seated Excited to open my new black account! The woman (no name necessary) discouraged me by telling me all the negatives of The bank and once I asked what’s my advantage of holding an account here she replied “you get the nice debit cards that depict blackness” that there wasn’t anything else as a matter of fact she was happy not to do the paperwork! I DID NOT open an account. 🥺 if I was misled in this belief please let me know!


Ashley provided me superior customer service yesterday when I was making payment to my landlord for the first time ever in my life. She presented me with the options available to me and told me the merits of both and was very patient with me as I considered my options. I opted for two money orders and she was very professional, balancing careful concentration and customer service in a way I appreciate. This was my first experience with a OneUnited Branch outside of starting my account and I am happy to have had a safe, accurate, and pleasant encounter. I hope Ashley finds satisfaction working with OneUnited and I look forward to seeing her again!

I'm unsure if these get read to employees, but I pray that OneUnited acknowledges all the people working hard to keep us safe and keep our communities running smoothly at this time.


So I had my account little over a month and still no debit card I re order ... still no debit card

I tried customer service and Instagram to get assistance and they replied quickly with a confirmation that my debit card was sent but a week later no debit card been on hold for over 40 min and got hanged up on ...i really wanna be with this bank but get it together you have huge audience


I've been attempting to settle a dispute through OneUnited bank for close to two months and during the time I was trying to resolve the complaint it was very difficult to reach anyone with whom to discuss my situation. On the occasion when I was able to speak to someone they hung up on me and other times they didn't pick up the phone at all when I would call. The worst thing was they kept changing who was in charge of disputes. I had to file a complaint on two occasions with the BBB before I was able to receive a call back. They incorrectly label fraudulent charges as quality control so they can easily rid themselves of the complaint. They are extremely unprofessional, unorganized and rude. Stay far away from this bank. They claim they are for the progression of the black community but have proved numerous times the opposite. If I could give zero stars I would. I've also contacted numerous agencies and reported this bank.


This bank is an absolute joke. It is virtually impossible to speak with anyone to resolve issues that can’t be fixed via their automated system. I deposited two checks with all the appropriate endorsements and they were deleted twice because the deposit administrator claims I didn’t include the mobile deposit confirmation that was clearly printed on both checks. I’m just glad I never transferred the bulk of my finances from Citibank and HSBC. I have since closed my OU accounts.


They have a lot of things they need to improve. My husband and I have had an account since August and we still haven't received a debit card which leaves us with no access to our money. When we called in September we were told a card will be expedited immediately and they were, or what I assumed rather, empathetic and apologetic but in the end we never receive a card. It is now October and we were given the same apology, along with the same promise of an expedited card. We called back seeing the card would have been received by now and nothing had been processed. I really wanted this bank to work, I wanted to support a black bank because in my mind it is the best way to circulate the black dollar, but unfortunately at this point it has not reached the professional stature to provide their customers with a secured peace of mind with their money.


This review is about online banking only. I do not live in an area where they have physical locations so I opened a checking account online. The fraud department called me about a pending fraudulent charge on 11/03/2020. It was concluded that the charge was in fact a fraudulent charge and the representative canceled my debit card immediately without giving me any other options. Well 2 days later (11/05/2020) I had a negative balance with a overdraft fee due to the fraudulent charge. I had to call customer service to find out that the first representative canceled my debit card, issued me a new one to be mailed out but did not do a dispute for the fraudulent charge or fee. So the new representative did a dispute for the fraudulent charge and fee. My account was credited for the fraudulent charge but not the overdraft fee that came with the fraudulent charge. On 11/06/2020 I had to call customer service again and tell them to credit me for the fee as well. In addition to all of this, it is now 11/14/2020 and I have not received my debit card. I have not had access to any money since my debit was canceled on 11/03/2020. On 11/13/2020 I called customer service about my new debit card that has not arrived yet. Customer service representative says I may not receive my card in the mail until 11/18/2020 and they have no options for me to get cash right away. This is very alarming and has caused financial distress since THIS IS MY ONLY BANK. I am a single mother of 3 children with a full time job and I do not work from home. I haven't been able to access any money for almost 2 weeks. I can't pay my babysitter, I can't put gas in my car to get to work, I don't receive public assistance so I can't provide my children with any food. I tried western union and that won't go through. I tried cash app but the bank won't approve the transaction without a debit card. I've been financially struggling since my card was canceled. This is so horrible especially with having small children to feed. My kids have been starving!! There is no reason why I wasn't given an option for expedited shipment of my card. I wouldn't recommend anybody use them as a primary bank if they don't live near a physical location.


I've been a customer at this bank for over a year now. I've been pleased with the bank and there service. No problems until you need to get another debit card. Can you explain why it takes 3 weeks to get another dam card this is totally unacceptable. Especially if you are banking online. There is no other way to access my money but buy debit card. I have to drive 60 miles to get money if I need cash since they don't offer a expedited service to get ur debit card. So I going to drive over 120 miles round-trip so I can eat. No worries thanks for making my decision easy to no longer bank black.


This bank is absolute trash. My card was compromised and it took 3 weeks to receive it. During that time they charged me a $10 maintenance fee because I didn’t make 10 transactions in a month (yes the same month that my card number was compromised). They never pick up their phone, their communication is horrible and they have a lazy approach to their operations. It’s a shame, I tried to support but you can’t support ineptitude, regardless of color.

Sean L.



ignore all bad reviews!!! black people are still in a crisis as a community! we need to build! the only way a bank can become stong, convenient, this and 36 more

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