OneUnited Bank Reviews 680

GREAT CUSTOMER SERVICE

Great customer service to fault, and as stated before, great on getting your money back, went impacted it by fraud. The dislike that I have if you use your overdraft more than once or twice, they will take your overdraft from you indefinitely.

Helping me with patience, explaining when I ask a question.

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 applied for an account deposited the $25 and then heard nothing

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.

Customer Service Rep made my banking needs less stressful and very easy. I had a migraine and needed to get my mortgage payment out. Got a new cell phone and had to register it with my account. She sent me a text and made it super easy. I really adore her and how prompt she was with me. Thank you!

Phenomenal services and fast responses

I love my bank and all of the associates I’ve been a member since 2016 if I remember correctly all I’ve had good friendly service we are a family 👍🏿👏🏿👏🏿🙏🏿🙏🏿

Your representative was very knowledgeable and so led my problems immediately!

Great Customer Support Team

Always a great customer experience. I’ve been banking with One United for years.

My online banking has not been updated yet could you please update my online banking my email has been already updated but my online banking has not now I need my online banking updated

I can only speak on the representative that took care of me when I called in. She was very polite, she did. All that she can do for me and did for me that I needed done I thank her very much and it's great doing business with you

Great service

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

I've been with OneUnited for about a year now, so far so good! I've just been approved for a small Cash Please Loan, I'm overjoyed...I'm just beginning to emerge from many financial struggles, thanks OneUnited!!!

I like One United Bank they assist you in getting your credit score up so you can purchase your home of your own.