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OneUnited Bank: WiseOne AI

OneUnited Bank: WiseOne AI

by OneUnited Bank

10K ratings
124 reviews
📊 Productivity
💰 Finance
Free

Details

  • Released
  • Updated
  • April 26, 2012
  • July 28, 2026

Features

Developer

OneUnited Bank
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OneUnited Bank: WiseOne AI screenshot #1 for iPhone
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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

Summarized from real user reviews of OneUnited Bank. Based on 10K reviews and a 4.7/5 average, it highlights the 5 positives and 5 negatives reviewers mention most about this Finance app.

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
+1

What's New in OneUnited Bank

2026.07

July 28, 2026

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

User reviews

Most RecentHighest RatedLowest Rated

Face identity

I always have issues with logging into the app with face id and then it never accepts my password when I try to type it in.
msjoycefortemsjoyceforte

Best bank ever!

A must have!
The Rhythm ReviewThe Rhythm Review

Norvell

Banking I love my black bank and my account options and if I ha be a problem it is immediately addressed. This is the best bank
Molex Jr.Molex Jr.

👑‼️

Best bank ever
BossMan👑BossMan👑

Much better experience

I’m shocked that I can give a positive review of One United Bank since I used to experience bad customer service and a horrible phone system. Now, much better customer service that gives you the correct answer and a phone system is having you talk to the right staff not wrong customer support team or wrong department. I hope One United Bank stay customer friendly with right information and keep the new good phone system.
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Tyrone77HTyrone77H

Response from developer

Thank you for your feedback. We regret that you are not satisfied with our automated system. 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 on our website for assistance. We look forward to serving you.

See 119 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.