# OneUnited Bank: WiseOne AI > AI-powered financial wellness assistant for banking, budgeting, and credit management. (iPhone/iPad app by OneUnited Bank.) - Source: https://appshunter.io/ios/app/oneunited-bank-wiseone-ai/id520589589 (this page in markdown: same URL + `.md`) - Developer: [OneUnited Bank](https://appshunter.io/developer/520589592) - Category: Finance, Productivity - Price: Free - Rating: 4.70/5 from 10,273 App Store ratings · 130 written reviews indexed - Age rating: 4+ - Requires: iOS 17.0 · 204 MB - Languages: American English - Released: 2012-04-26 - Data updated: 2026-08-27 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/oneunited-bank-wiseone-ai/id520589589/reviews.md ## What is OneUnited Bank? Bank, manage money with AI-driven insights, create budgets & monitor credit. *** AWARD-WINNING AND FDIC INSURED! *** Named one of Inc. Magazine's 2024 Best in Business in Finance. *** WHAT’S NEW *** WiseOne, a state of the art AI-driven conversational money management platform built with Google Gemini. Stop guessing and start succeeding with the WiseOne Financial Wellness Assistant, our conversational AI-guide that helps you manage your money, build wealth, and achieve financial freedom. WiseOne is a convenient, all-in-one financial solution providing personalized budgets and alerts, powerful credit-building tools, and more. *WiseOne is a money management tool. Not FDIC insured. See disclosures for details. -------- *** WiseOne: AI-DRIVEN MONEY MANAGEMENT BUILT WITH GOOGLE GEMINI *** Our premium AI-driven money management feature, WiseOne, offers next-generation conversational technology and personalized financial intelligence Built with Google Gemini. CONVERSATIONAL AI BUILT WITH GOOGLE GEMINI Ask questions and get instant, personalized answers on spending, saving, and financial topics. PERSONALIZED AI-DRIVEN INSIGHTS AND ALERTS Receive real-time, actionable insights and instant alerts to help you make better financial decisions. AI-DRIVEN BUDGETING Build smart budgets based on your financial habits, with proactive notifications on your progress. COMPREHENSIVE FINANCIAL TRACKING ● View all financial accounts in one place ● Monitor net worth, cash flow and credit score ● Analyze spending trends and subscriptions ● Automatically categorize transactions GOAL SETTING AND PLANNING ● Track progress toward savings goals ● Track debt payoff and other goals FINANCIAL EDUCATION ● Access library of tutorials and articles ● Take financial literacy courses ● Make better financial decisions CREDIT MONITORING ● Track your credit score COMPREHENSIVE MONEY MANAGEMENT ● Track checking, savings, and investments ● Track credit cards, student loans, and mortgage ● All-in-one easy-to-use app -------- *** SEAMLESS MOBILE BANKING (CHECKING AND SAVINGS) *** Manage your daily banking needs with speed, convenience, and security. ACCOUNT MANAGEMENT ● Check balances ● View account activity ● Review card transactions and more EARLY PAYDAY ● Get paid up to two (2) days early CARD CONTROL ● Turn debit card on/off ● Manage recurring payments NATIONWIDE ATM ACCESS ● Access the nation's largest ATM network ● 100,000+ surcharge-free ATMs AUTOMATED SAVING ● Set up automatic savings ● Achieve savings goals CREDIT BUILDING ● Monitor credit score ● Secured credit card available ● Build/Rebuild credit -------- *** SECURITY AND COMMITMENT *** We prioritize your safety and financial empowerment. TOP-TIER SECURITY ● Bank-level encryption ● Fraud alerts and instant notifications FDIC-INSURED BANK ● FDIC-Insured bank* ● Higher level of regulatory compliance standards than our competition MISSION DRIVEN Multi-year, award-winning certified Community Development Financial Institution (CDFI). AWARD-WINNING RECOGNITION Named one of Inc. Magazine's 2024 Best in Business in Finance. CUSTOMER SUPPORT Access financial support via live human support and in-app tools. To learn how we protect your privacy, please visit https://www.oneunited.com/online-banking-disclosure/ ## Key features - 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 ## What do users think of OneUnited Bank? Overall sentiment: neutral **Pros** - 👍 Great customer service - 🚀 Fast and easy to use app - 💡 Supports black-owned businesses - 🚀 Convenient mobile banking features - 👍 Improving app and banking experience **Cons** - 🐛 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 **Commonly reported bugs** - App crashes and freezes frequently - Login and account access issues - Delayed or missing direct deposit - Inaccurate account balances and transaction history - Unreliable mobile check deposit functionality **Most requested features** - Integrate Zelle and other popular payment services - Improve app stability and user experience - Expand branch and ATM network nationwide - Provide 24/7 customer service and support - Offer more competitive interest rates and fees ## Recent user reviews (10 of 130) All indexed reviews: https://appshunter.io/ios/app/oneunited-bank-wiseone-ai/id520589589/reviews.md ### 5/5 — OneUnited Bank Is The Best! *2026-07-31, version 2026.07* The best banks you can ever have! Their customer service is phenomenal, accurately helps solve your problems & one of the best banks I’ve had thus far. Thank You OneUnited! ### 5/5 — Banker at OneUnited bank *2026-07-21, version 2026.04.02* I have been with one united bank for years and any problems I have had they handle immediately and they alert me and handle any fraud and block immediately if they feel it’s suspicious ### 5/5 — One of BEST *2026-07-16, version 2026.04.02* This by far is one of the BEST banks I’ve ever had, they are understanding and caring when it counts! ### 5/5 — Growing and Thriving *2026-07-14, version 2026.04.02* OneUnited Bank is always finding ways to improve and I love that. Not only are you supporting a good cause when you bank, but you’re also a part of a growing and thriving community ### 5/5 — Black owned *2026-06-29, version 2026.04.02* Excellent ### 5/5 — Works good *2026-06-27, version 2026.04.02* It’s good ### 3/5 — Face identity *2026-06-09, version 2026.04.02* 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. ### 5/5 — Best bank ever! *2026-05-22, version 2025.10.02.0* A must have! ### 4/5 — Norvell *2026-05-15, version 2025.10.02.0* 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 ### 5/5 — 👑‼️ *2026-05-12, version 2025.10.02.0* Best bank ever ## Frequently asked questions about OneUnited Bank ### 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. ## Version history (last 5 releases) ### 2026.07.02 — 2026-08-18 This update includes general improvements, enhancements, and bug fixes to provide you with the best possible experience. ### 2026.07.0 — 2026-08-04 This update includes general improvements, enhancements, and bug fixes to provide you with the best possible experience. ### 2026.07 — 2026-07-28 This update includes general improvements, enhancements, and bug fixes to provide you with the best possible experience. ### 2026.04.02 — 2026-05-26 This update includes general improvements, enhancements, and bug fixes to provide you with the best possible experience. ### 2025.10.02.0 — 2026-03-31 This update includes general improvements, enhancements, and bug fixes to provide you with the best possible experience. ## Apps similar to OneUnited Bank | App | Rating | Price | Category | | --- | --- | --- | --- | | [Citizens Bank Mobile Banking](https://appshunter.io/ios/app/citizens-bank-mobile-banking/id388082488) | 4.8 (736,821) | Free | Finance | | [GO2bank: Mobile banking](https://appshunter.io/ios/app/go2bank-mobile-banking/id1534345772) | 4.8 (62,775) | Free | Finance | | [Monzo Bank - Mobile Banking](https://appshunter.io/ios/app/monzo-bank-mobile-banking/id1052238659) | 4.7 (5,635) | Free | Finance | | [GreenFi - Mobile Banking](https://appshunter.io/ios/app/greenfi-mobile-banking/id1074342516) | 4.7 (30,567) | Free | Finance | | [Restart - Mobile Banking App](https://appshunter.io/ios/app/restart-mobile-banking-app/id1576922155) | 4.0 (83) | Free | Finance | | [Greenwood - Mobile Banking](https://appshunter.io/ios/app/greenwood-mobile-banking/id1627062465) | 4.8 (7,342) | Free | Finance | ## Related topics [oneunited bank mobile banking](https://appshunter.io/ios/topics/oneunited-bank-mobile-banking) · [oneunited bank](https://appshunter.io/ios/topics/oneunited-bank) · [nusource](https://appshunter.io/ios/topics/nusource) · [builtwell](https://appshunter.io/ios/topics/builtwell) · [beesmart-banknotes](https://appshunter.io/ios/topics/beesmart-banknotes) · [thrivent bank](https://appshunter.io/ios/topics/thrivent-bank) · [dobank](https://appshunter.io/ios/topics/dobank) · [meetavafinance](https://appshunter.io/ios/topics/meetavafinance) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-27.*