OneUnited Bank: WiseOne AI

• Free

Last verified 30 Aug 2026

4.7 10307 ratings · App Store

1. 3/5It’s a start

   I opened this an account with this bank last year with the intention to #bankblack. While the bank itself is a great bank, the app leaves much to be desired. Since I live 3 hours from a branch, I depend on online banking and this app. In order for me to put money into my account, I have to transfer my funds from my account through another bank to this account but in order to do so I would have to do it through the website as the app doesn’t offer transfers to and from outside accounts. It’s extremely inconvenient if you spend almost 80% of your time traveling like I do and can’t always sit down at a computer. My solution is to set up scheduled transfers to combat that problem. Also the user interface for this app is pretty basic. If you want to just check your balance and see your transaction history then this is the app for you. I did like that it supports the fingerprint. Because it takes 4 days to process a mobile deposit and three days for your money to hit your account when you transfer money and your direct deposit may not be there right away, I chose to end my relationship with this bank. If you live in the areas where the branches are (and there aren’t many at all) you may have a different experience. If you need a second account for a rainy day fund then this is the perfect bank for you!!

   Strwbrychzck · 30 Aug 2026

2. 3/5The App Needs Much Improvement

   For starts, I have no complaints about this bank since being a member in Oct. 2020. I get paid 2 days early and never have issues with my deposits or transactions declining. Now, this app needs a MAJOR upgrade. I hate to compare the app to others such as CashApp and Navy Federal, but this app is not functional for bank accounts, in my opinion. With other bank apps, you can easily access your debit/credit card settings and change your notification preferences, freeze/lock your card when needed and report it stolen. I find myself searching through this app for several minutes on end with no success finding what I’m looking for. Another issue is most links in the app open the website, not other pages within the app. I love this bank so this feedback is given in the hopes of a huge app remodel and upgrade that would greatly improve customer experience.

   Thumper9063 · 30 Aug 2026

3. 1/5Poor Customer Service

   I opened this account because it’s black owned! I deposited a check ($50 Christmas present) and I never received notice that it didn’t go through because I didn’t add For deposit only at OneUnited Bank! I figured that out by checking the status everyday for about a week! I then re-deposited the checks after adding the necessary information! I also contacted customer service and was told they couldn’t tell me anything! I checked the status of the check re-deposit and it informed me I ability to deposit checks from the mobile app was blocked! I’ve had no problem with my direct deposit! I called customer service and was told a case was being opened and I’ve heard nothing and seen nothing about my check! This is ridiculous and extremely poor service! I attempted to close the account and was told I have to call! I’m so disappointed in this bank and truly expected more from the bank! Don’t waste your time banking with this bank! I now can’t deposit the check in another bank or take it to me mother’s (Christmas gift from her) bank and cash it because I don’t know what happened to it with this bank! Shame on OneUnited Bank! I can’t be the changed I want to see when the bank is giving such poor service!!!

   SMH! Poor service · 30 Aug 2026

4. 1/5App needs major upgrades

   Hey y’all just an update. The app is needs some serious UPGRADES! In today’s world if your app is that far behind you lose out on customers. You can’t wire transfer someone unless they also have an account. Just one of the many flaws I found in the app. Also they have a $10 maintenance free for your checking account and $5 for savings. I really want to support them but I may have to go back to my old bank. Also they say that have partnering banks or credit unions do your research in your area things have changed and they may not be the case in your area. Case and point on the app it’s said there was a Credit Union who will place my money free of charge no issue to my account. I get there and they quickly told me know that not the case they didn’t even allow it. It’s 2020 they even make you download 3rd party app like zelle, Venmo etc. why aren’t those app built in with a quick link. It’s very annoying. The fees are what got me. Like I said I want to support but the app is lacking so much I don’t think I can for long.

   @jamboy75 · 30 Aug 2026

5. 2/5Was Good at First

   I’ve been a member and using the app for roughly two years now. For the since May or so I have not been able to view any account balances on the app nor online. I have been told about two months ago that they are a water of this and have no timeframe or updates of when the problem will be resolved. I was never notified that this issue was happening or that they were on top of it, which feels unprofessional for such a well known company to not have the courtesy to do so. I’ve been having to use the phone service to check account information. I have since withdrawn all funds and unlinked all other accounts. I loved the idea of banking black and the resources that are on the app. I don’t want to close accounts but I can’t bank like this. Also noticing they have no longer been responding to reviews on here either. Does not appear to be doing well overall.

   Joy FGG · 30 Aug 2026

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