ProsCons
  • 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
  • Cash-Back Rewards up to 20% in different categories like food, hair products, hotels, cosmetics, home goods.
  • 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