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OneUnited Bank: WiseOne AI

OneUnited Bank: WiseOne AI

by OneUnited Bank

11K ratings
135 reviews
📊 Productivity
💰 Finance
Free

Details

Released
April 26, 2012
Updated
October 20, 2026

Features

Developer

OneUnited Bank
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🔄6+ apps
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❓5 answered
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📦~ in 2 months
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About

This app offers AI-driven financial insights and management tools. It helps users create budgets, monitor credit, track spending, and achieve financial goals through conversational guidance and personalized alerts.

✓Conversational AI for financial advice
✓Personalized AI-driven insights and alerts
✓AI-driven budgeting
✓Comprehensive financial tracking
✓Goal setting and planning
✓Credit monitoring
✓Early payday access
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What users say about OneUnited Bank

Reviews of OneUnited Bank are mixed: the Finance app is rated 4.7/5 from 11K App Store ratings. What users like most: great customer service, fast and easy to use app. Top complaints: buggy and glitchy app, security and login issues. Summarized from real user reviews.

Positive things

  • 👍Great customer service
  • 🚀Fast and easy to use app
  • 💡Supports black-owned businesses
  • 🚀Convenient mobile banking features
  • 👍Improving app and banking experience

Negative things

  • 🐛Buggy and glitchy app
  • 🔒Security and login issues
  • 💰High fees and maintenance charges
  • 🔍Lack of branch locations and ATM access
  • 🕰️Slow response times and poor customer support
See all reviews

What's New in OneUnited Bank

2026.07.05

October 20, 2026

This update includes general improvements, enhancements, and bug fixes to provide you with the best possible experience.

User reviews

Most RecentHighest RatedLowest Rated

Boom

Love the security of this bank. They don’t miss a thing!
AHAlexander hc4

Why I wouldn’t

The bank is insensitive and petty the live representatives are trying to receive help from them got me six months of monthly charges because they would not help me five dollars a month times they strung me along while they took five dollars a month until my account was down to nothing and then they allowed me access
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LLuu2bA

Why I wouldn’t

The bank is insensitive and petty the live representatives are trying to receive help from them got me six months of monthly charges because they would not help me five dollars a month times
LLuu2bA

Love this bank

GREAR BANK AND BLACK OWNED
BBeeGee3$

The worst

AI owned banking is ridiculous. I tried to support my people and still haven’t gotten a replacement card sent to me and it’s been a month. I truly hope this bank and all of its services go bankrupt. Literally worst experience with a bank I’ve ever had.
NNopeitsnogood
See 130 more reviews

User experience

🐞

Reported Bugs

5 issues

App crashes and freezes frequently

Bug

Login and account access issues

Bug

Delayed or missing direct deposit

Bug

Inaccurate account balances and transaction history

Bug

Unreliable mobile check deposit functionality

Bug
✨

Requested Features

5 requests

Integrate Zelle and other popular payment services

Feature

Improve app stability and user experience

Feature

Expand branch and ATM network nationwide

Feature

Provide 24/7 customer service and support

Feature

Offer more competitive interest rates and fees

Feature

FAQ

What does the WiseOne AI app do?

The WiseOne AI app is a financial wellness assistant that uses artificial intelligence to help you manage your money. It provides AI-driven insights, personalized budgets, credit monitoring, and tools for goal setting and financial education, all through a conversational interface.

What are the key features of WiseOne AI?

Key features include a conversational AI built with Google Gemini for instant financial answers, personalized AI-driven insights and alerts, AI-driven budgeting, comprehensive financial tracking across all accounts, goal setting, credit monitoring, and seamless mobile banking with features like early payday and card control.

Is WiseOne AI free to use?

The app offers a free tier with core functionalities. While the description mentions 'premium AI-driven money management feature, WiseOne,' and 'free with in-app purchases' is indicated, specific details on what constitutes a premium feature or the cost of in-app purchases are not fully elaborated in the provided text.

What kind of accounts can I manage with WiseOne AI?

You can track a wide range of financial accounts, including checking, savings, investments, credit cards, student loans, and mortgages. The app aims to provide an all-in-one view of your financial life, allowing you to monitor net worth and cash flow.

How does WiseOne AI help with credit building?

The app includes credit monitoring features to help you track your credit score. It also mentions the availability of a secured credit card and tools designed to help you build or rebuild your credit history.