Pros
Cons
  • Online Black Owned Bank available in ALL States
  • Many checking options for all financial situations including second chance checking
  • No-credit check personal loan up to $1,000
  • Early paycheck with direct deposit
  • Can add cash to your OneUnited Bank Debit Card at over 90,000 locations across the country
  • Branches available only in CA, FL, or MA
  • Overdraft fees on checking account
  • Low interest rates on savings account
  • Requirements to waive monthly services fees on accounts

Who Is OneUnited Bank Best For?

OneUnited Bank is available to United States residents in ALL States, 18-years or older. If you’re ready to join the more than two-thirds of Americans who do most or all of their banking online, rather than at a local branch office, OneUnited Bank is worth serious consideration.

OneUnited Bank may be a good fit for customers who want one or more of the following:

  • A variety of checking account options.
  • Need a second chance checking account to rebuild banking history.
  • Desire early paycheck deposit including employer checks, benefit checks, or retirement checks.
  • Obtain cash, surcharge free at over 40,000 ATMs nationwide.
  • Deposit cash on your debit card at over 90,000 retail locations nationwide including Walmart, Walgreens and more.
  • Have access to a short-term loan with no credit check.
  • Move money easily using Zelle, Cash App or Venmo with your OneUnited Bank Visa Debit Card.
  • Desire a hassle-free solution to your online banking needs.
  • Rewards program that allows you to get cash back with your OneUnited Bank Visa Debit Card while making everyday purchases.