Love the idea of the bank and improvements but..
Good bank with developer issues: who’s idea was it to implement a badge notification for news items? Who’s idea was it for the news item to open in the main browser instead of in app? What about the items you’ve read but still show unread? Please fix the bugs. I have none of these issues with other banks. 1. App icon shows 6 unread notifications- news- please remove the news as a notification item. Especially when it hasn’t updated much since 2021. After clicking on said news it still comes back to 6 unread again leading you to think their was a transaction or something. 2. Occasional login issues with FACE ID 3. No Zelle support 4. Systems tend to go down during the weekend 5. Lack of app updates, only 3 updates this year? Really? 6. Bugs don’t get escalated 7. Mobile website has issues. 7. Can’t easily lock your card. 8. I
On the plus side- great bank, customer service, accounts and good future possibilities.
On the plus side- great bank, customer service, accounts and good future possibilities.
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Response from developer
Thank You for the review regarding your customer experience with OneUnited Bank! We appreciate all feedback to identify ways to improve.
Banking with quality
So far so good every other bank I have use for over 25 plus years or more have taken more than they have given.! I am looking forward to making this my new primary bank and cutt off Wells Fargo and Santander bank they always find ways to hold your money so you get charged with the overdraft fee so I’m over it with them
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Response from developer
Thank You for the review regarding your customer experience with OneUnited Bank! We appreciate all feedback to identify ways to improve.
OneUnited Bank
OneUnited Bank is a Black-owned financial institution that offers checking, savings and certificates of deposit accounts with low or no monthly fees. The bank provides online accounts and serves customers in-person at a few branches in the Boston, Los Angeles and Miami areas. The bank’s mobile apps earn high app store ratings, and customers have access to more than 35,000 surcharge-free ATMs. However, its bank accounts have average to low interest rates.
Best for: Customers who want checking and savings accounts with no or low monthly fees, make only a few savings withdrawals each month and want to support Black-owned banks.
Pros
Black Wall Street Checking account has no monthly fee.
Access to more than 35,000 surcharge-free ATMs.
High mobile app ratings.
Free overdraft protection transfers.
Cons
Savings account has steep excess transaction fees.
Average to low rates on savings and certificates of deposit.
Customer service not available on weekends.
Best for: Customers who want checking and savings accounts with no or low monthly fees, make only a few savings withdrawals each month and want to support Black-owned banks.
Pros
Black Wall Street Checking account has no monthly fee.
Access to more than 35,000 surcharge-free ATMs.
High mobile app ratings.
Free overdraft protection transfers.
Cons
Savings account has steep excess transaction fees.
Average to low rates on savings and certificates of deposit.
Customer service not available on weekends.
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Response from developer
Thank You for the review regarding your customer experience with OneUnited Bank! We appreciate all feedback to identify ways to improve.
One United Review
Proud to part of the largest African American owned Bank in the United States but definitely need to get caught up with other big banks that offer features like the ability to lock your debit card, Zelle built into the app & instant debit card alerts. Aside from that, I’ve noticed certain transactions do not show up in the check registry & they either debit then credit and go back & debit the account again days later so you’ll certainly have to keep up with purchases otherwise, they’ll “get you” ! You’ve been warned!
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Not the best Banking Experiences
I have been a OneUnited Bank customer for about two years and rate them two stars. Their customer service reps the 800 number, but not all are educated about their products and banking policies like fees. I have been told wrong information many times with a bunch of apologies. They need a better automatic machine with their 800 number. It starts by asking if you are calling about a personal or business account. I pick personal, and then it goes into how to open an account, asking you if that’s all you need. They don’t assist customers with ordering checks unless you open your account at a branch, not online. They keep saying banks are not using paper checks anymore. I called to dispute a transaction; they transferred me around to seven different people who kept forwarding me around, and some promised to stay on the line with me but never did, so it was a headache. The customer service reps are very friendly but have a history of giving out wrong banking information.
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The worst bank on earth
Let’s be clear I’m black and was so excited to switch from capital one to a black owned bank. Never again. You can’t lock your card so if you are low on funds they charge you $37 every single time a billet tries to pay a bill and the money isn’t there. O and guess what I been with this bank for 4 months and my check never came before the 1st. It comes on the 1st exactly. Customer service is a joke please don’t bank here if you like having your money not being stolen by them.
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The App Needs Much Improvement
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.
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.
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Response from developer
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.
Do not bank with them
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.
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Not it, yet
I wanted to support black business so I got this card so I can put some money away on the side. For a business that’s primarily use is online then the app needs to be way better. It’s super glitchy and looks too much like a computer software forced into an app. The majority of the use for this bank is online so the app needs some serious upgrading before the bank can be where it needs to be
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Maintenance Fee
I just open this account up with $50 to support black own business. I noticed when I go to check my balance like I always do with all my accounts and notice $10 was missing and went to investigate and turn out there was a $10 maintenance fee that I was unaware of unless I over look it. I bank with BB&T and maintenance fee is $5. I plan to close this account out immediately. Hope this helps.
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