OneUnited Bank
An award winning Community Development Financial Institution (CDFI) using WiseOne AI, built with Google Gemini, to help you achieve financial freedom!
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Celebrating Our 2025 ‘I Got Bank’ Essay & Art Contest Champions
Celebrating the 10 brilliant youth winners of our annual financial literacy contest who showed us what saving, investing, and building generational wealth really looks like.
Financial Literacy Is the Ultimate Labor Day Flex
Labor Day honors your hard work, but true freedom comes when your money works for you. Learn how financial literacy, smart automated tools, and community-focused banking turn your hard-earned paycheck into lasting generational wealth.
Teri Williams LIVE on Bloomberg
Catch the full interview here!
Teri Williams LIVE on Bloomberg
Catch the full interview here!
We're thrilled to announce that we have teamed up with Esusu, a mission driven company that provides credit building tools to unlock new opportunities for your financial growth. By combining the credit-building power of Esusu with the comprehensive banking services of OneUnited Bank, you'll be well-equipped to achieve your financial goals. WATCH LIVE on our YouTube channel at youtube.com/oneunitedbank and be part of a conversation that will inspire action and lasting change!
Elevate your finances with revolutionary technology to make better financial decisions today!
Access real world, AI-driven solutions to make better financial decisions. It's more than just a bank account!
Use AI-driven, personalized insights and alerts to build wealth and reduce financial stress!
Access our suite of banking services and personalized financial insights with our digital banking app. You’re one tap away from building wealth that matters.
Access Capital, Elevate Your Business
Need financing to expand your business? Our business loan resource is tailored to provide you with the capital you need to achieve your growth objectives. *Lendistry is a Black-led fintech and a leader in equal access to capital for small business owners, headquartered in a Los Angeles Opportunity Zone.
Life moves fast, and so should your paycheck! Get paid up to 2 days early with direct deposit.
OneTransaction: Your Strategic Moves to Generational Wealth
The wealth gap for each family can be closed by one strategic transaction: a will, life insurance, home ownership, a profitable business, automatic savings, an investment portfolio, or an improved credit score. Take the action steps to get it done with our OneTransaction Podcast!
From Our Blog
Back to School Hacks: How to Keep Your Cash and Build Your Stash
Stretch your budget this season! Discover smart back-to-school shopping hacks, from timing tax-free sales to buying refurbished tech and teaching kid-friendly budget tips.
5 Steps for Financial Wellness: Your Ultimate Money Roadmap
This blog provides an actionable roadmap for taking control of your personal finances and building long-term community wealth. It breaks down financial health into five manageable steps: auditing monthly cash flow, implementing the 50/30/20 budgeting method, tackling toxic debt with the Avalanche or Snowball strategy, securing a high-yield emergency reserve, and leveraging broad-market index funds for compound market growth.
Fintechs Sell Your Data. WiseOne Protects It.
Unregulated fintech apps trade your personal data for profit, but OneUnited Bank uses Google Gemini-powered AI inside a secure bank to keep your stash safe.
How to Grab Emergency Cash Without the Drama: Your Guide to CashPlease
Life moves fast, and sometimes your wallet needs to catch up. Learn how to navigate unexpected bills safely using smart, small loans designed to keep your financial journey on track without predatory traps.
Summer Vibe Check: How to Chase Sunsets Without Catching Debt
Chasing sunsets shouldn't mean catching systemic debt that sets your building-wealth goals back. True self-care is about coming home to financial peace of mind. As a multi-year award-winning Black-owned CDFI, we are here to help you protect your coins while celebrating your freedom. You can protect your cash flow, dodge the traps engineered to make you overspend, and keep your long-term wealth compounding right where it matters. Here is your tactical blueprint to pulling off a legendary, debt-free summer getaway.
250 Years of America & How We Build Real Community Wealth
As America hits its massive 250th Fourth of July milestone, it is the perfect time to look back at how far we have come and vibe check our future. As a proud, multi-year award-winning Black-owned CDFI, our entire mission is to provide the right financial tools and knowledge to lift up lower and moderate-income neighborhoods. By supporting Black-owned businesses today, we’re setting up the next 250 years to be absolutely legendary.
Clearing the Financial Chaos: How WiseOne AI Guides Everyday Families to Total Money Clarity
Let’s be completely real about it: the current economic system feels like it was engineered to keep us completely overwhelmed. Between the fluctuating prices of everyday groceries, hidden subscription fees, and intentionally confusing banking jargon, managing a household budget can easily feel like a chaotic survival puzzle.
Wealth Hacking Your Rental Calculator: How to Stack Capital While Renting
Renting can feel like you're stuck in a waiting room before you finally step into homeownership. While you're living that apartment life, your hard-earned cash shouldn't just sit there underutilized. A smart **rental calculator** shouldn't just tell you what you can hand over to a landlord. It needs to help you make room for saving, investing, and locking in your financial future.
Financial Literacy Challenge: Test Your Bestie
If we told you that reaching your financial peak starts with a "Date Night" with your best friend, would you believe us? While financial wellness requires deep introspection, the most difficult hurdles are easier to clear when you have a co-pilot.
How a Daily $4 Coffee Becomes an $800 Bill
That daily $4 treat might feel like a harmless pick-me-up, but it could be quietly draining over $1,400 from your bank account every year. Discover how "frictionless" technology makes overspending easy, and how you can reclaim that missing $1,200 without giving up your morning caffeine. In this week's article, we break down the simple math of cost-per-use and show you how to turn hidden leaks into a major financial win.
5 Steps to Submit for Tax Season
Filing your taxes should feel like a seamless part of your financial growth, not a stressful chore. By getting organized early and staying ahead of the latest IRS reporting updates, you can secure your refund sooner and keep your savings on track. In this week’s article, we provide a step-by-step guide to navigating the 2026 tax season with ease and accuracy.
True financial freedom starts with reclaiming your time and removing the friction from your monthly budget. Instead of letting your hard-earned money just sit there, it’s time to give every dollar a job. In this week's article, we explore the power of 5-minute payday rituals and how tools like WiseOne AI can give you a reality check on your spending.
Past Articles
We’ve all been told that being "good with money" is just about math and discipline, but the truth is that our emotions usually drive the car. When past money struggles start creating blocks in your current relationships or habits, you aren't failing, you’re likely just navigating financial trauma. This week’s article explores how to identify your specific money triggers and use actionable strategies to rewrite your financial story.
How to Manage a Deficit Budget
When rising costs for groceries and rent turn your monthly budget into a survival math problem, personal discipline alone isn't the cure. It’s time to stop struggling in isolation and start building a collective path forward. This week's article breaks down four essential strategies to bridge the affordability gap through community cooperation and underused support programs.
Swipe Right on Your Financial Future
The best way to protect your heart is to secure your wallet by finding a partner whose financial values actually mirror your own. Stop guessing about your partner’s money habits and start asking the high-stakes questions that lead to homeownership, generational wealth, and peace of mind. In this week's article, we provide the ultimate guide to swiping right on the financial transparency you deserve.
How Much Can I Afford to Help A Family Member?
Lending money to loved ones doesn't have to be a source of stress or a risk to your own bills. By following a few simple rules, you can turn a potentially awkward situation into a clear, supportive conversation that protects your relationships and your wallet. In this week's article, we share a practical guide on balancing generosity with financial wellness so you can help out without the "financial hangover."
How Digital Banking Makes Managing Money Easier
Mastering your finances shouldn't be a chore, it should be a seamless part of your daily life. From AI-driven spending insights to automated wealth-building, the future of money management is about putting the power into the palm of your hand. In this week’s article, we dive in to our latest digital tools and show you how to turn your smartphone into a proactive Financial Wellness Assistant.
The Anatomy of Your Credit Score
Your credit score is often treated like a mysterious, untouchable number, but in reality, it is a logical system designed to be mastered. While most people feel trapped by "financial gridlock" and social pressure, the right blueprint can turn those three digits into your greatest wealth-building asset. This week’s article deconstructs the FICO formula to show you exactly how to audit your report, eliminate anxiety, and reclaim your financial power.
Stop letting "zombie consumerism" and digital ads quietly drain your wealth before you even realize you've clicked buy. To reach your savings goals, you need to move beyond passing trends and adopt a professional strategy for your habits. In this week's article we break down the No-Spend Treatment, a strategic framework designed to help you shut down the impulse buys and finally take back control of your money.
In a World of AI, Do You Own You?
Building a brand is one of the most powerful ways to create wealth, but that wealth is only secure if you actually own what you’ve created. True ownership is about more than just a cool logo or a website, it’s the legal steps you take to make sure your ideas stay yours. This week's article provides a step-by-step guide to securing your brand’s paperwork and ensuring your digital presence is locked down for the long haul!
How to Create a Financial Vision Board: A 4-Step Guide
Your dream life shouldn’t stay trapped in your imagination, it belongs in your bank account. Building wealth requires more than just a budget; it requires a blueprint that connects your daily habits to your ten-year dreams. In this week's article, we show you how to create a Financial Vision Board that transforms your goals into an actionable roadmap.
Top 3 Money Lessons We Learned in 2025
Stop letting "friendlation" and social pressure dictate your bank balance as we head into a new year. It is time to trade in financial fatigue for AI-driven strategy and the power of a "loud budget." In this week’s article, we’re recapping the major lessons of 2025 so you can stop sprinting and start building generational wealth with intention.
The holiday season should be about making memories, not managing financial stress. We’re thrilled to share our gifts to you, including early paydays and AI-driven tools to help you navigate your holiday shopping with ease. In this week’s article, we explore how these digital features are designed to protect your peace, automate your savings, and reward you for every purchase you make.
We know debt is stressful, but the solution is simple strategy. These methods teach you how to crush old balances while building the lasting financial habits needed to block new debt at the door. This week's article empowers you with the roadmap to becoming debt free and shows you how to choose the best strategy for you.
What is Your Net Worth? And Why Should You Care?
Building a net worth may sound unreachable, but guess what? It’s not! Learn the three easy steps to calculate your true financial standing and start building the wealth you deserve. This week's article shows you why income is just a number—and net worth is everything.
Talking Turkey (and Money!): Finances & Family
The holidays are about love, and money conversations are truly an act of care! Don't feel intimidated—a short, simple check-in can bring immense clarity and protection to the people you love most. This week's article gives you a stress-free, 40-minute blueprint and gentle conversation starters for a successful family money talk.
How Marketing 'Trained' You to Overspend
Are you being targeted? That "must-have" feeling is not a coincidence; businesses are using marketing tactics to drain your wallet. Learn how to spot those pressure points that push your spending above your needs and wants. In this week's article, discover simple rules to break the overconsumption cycle and protect your financial future.
Buy Now, Pay Later (BNPL) vs. Credit Cards: Smarter Holiday Shopping
With holiday spending surging, we know that "Buy Now, Pay Later" button is a tempting solution. While BNPL seems like an easy fix, the true cost of overlapping payments and hidden late fees can quickly outweigh any benefit. This week's blog reveals how BNPL compares to credit cards and gives you the vital rule of thumb for protecting your credit and your wallet.
The Spooky Side of Your Finances: What to Watch Out For
Are small fees and old balances creeping up and draining your bank account without you noticing? Stop these sneaky financial monsters from multiplying and eating into the cash you've worked hard to earn. This week's article exposes the threats of Zombie Debt, teaches you how to dust out the subscription web, and slay those phantom fees!
The Great Savings Race: Accomplish Your EOY Goals
Feeling behind on your money goals? Don't stress—the year isn't over yet! This week's article breaks down the "Great Savings Race," so you can conquer your end-of-year financial goals and start the holidays debt-free.
10 Idioms For Financial Literacy
Are you tired of "Keeping up with the Joneses?" It's time to swap social pressure for financial freedom by adopting a new mental toolkit. In this week's article, we reveal 10 simple idioms you can use as "pocket-sized financial tools" to start changing your money habits today.
Ever feel like you’re being priced out of your social life? The rising cost of everything from cocktails to coffee is making friendship feel like a luxury few can afford. In this week's article, we explore how to redefine connection with low-cost, high-impact alternatives.
What is Good Debt vs. Bad Debt?
Your debt may be a bigger asset than you think. We’re told to avoid debt at all costs, but a key to building wealth is knowing the difference between good and bad debt. In this week's article, we’ll learn how to leverage good debt and avoid the kind that holds you back.
Checklist: How to Financially Prepare to Move
Moving is one of life's most exciting milestones, but it can also be one of the most stressful—especially when the unexpected costs start to add up. Don't get caught off guard! In this week's article, we'll break down the real numbers and provide a comprehensive checklist to help you move with confidence.
How To Navigate Your Financial Triggers
Ready to get in the driver's seat of your finances and leave FOMO and guilt behind? Discover how a simple mindset shift can stop your impulsive spending and help your money work for you, not against you. This week's article reveals powerful strategies to spot your triggers and take control of your financial decisions.
Your First Paycheck: What To Do & Not Do
That first paycheck is a special moment, but knowing how to manage it can be a total game-changer for your financial future. Discover the smart money moves that put you in the driver's seat, from understanding taxes to saving for long-term goals. In this week's article, we'll show you how to set the right tone with your money from day one.
Don't let a surprise bill throw your financial week into chaos! A short-term loan isn't a crutch; it's a smart tool for avoiding overdrafts and high-interest debt. This week's article breaks down a real-life example of how to use a loan responsibly to get back on track and even build better credit.
The Rest Reset: Improving Financial Wellness
Mini-retirement doesn't have to mean quitting your job or draining your savings. It’s about not leaving yourself behind while you work. In this week’s article, we break down how to use small, intentional rest resets to protect your energy, improve financial decision-making, and build long-term wealth on your terms.
Cybersecurity in the Digital Age
With recent data breaches making headlines, now is the perfect time to give your digital security a boost. Protecting your accounts is easier than you think, and we're here to help you get started. In this week's article, we break down how to safeguard your accounts, avoid risky habits, and use smart tools to stay safe and secure online.
Class Is In Session: Your Smart Money Syllabus
Finals aren't the only thing you need to ace this semester—your finances need a passing grade too! Don't get overwhelmed; get organized with our guide to building money skills that will last a lifetime. In this week's article, we're bringing you a Smart Money Syllabus with essential lessons on budgeting, payments, and smart spending.
Everyday AI in Your Financial Life
AI isn't just for tech pros— Think of it as a smart assistant in your pocket, ready to help with everything from building a grocery list to planning for big financial goals. In this week's article, discover how to use AI for practical tasks like budgeting, planning, and making smarter financial decisions.
Personal Finances: Run It Like a Business
Ever wondered how to truly take control of your personal finances, even when life gets messy? Discover how one student entrepreneur transformed her money chaos into calm clarity by adopting a "business mindset" for her own budget. In this week's blog, learn the actionable steps and smart tools she used to become the CEO of her money!
Ready to transform your money habits and finally feel in control of your finances? Budgeting is the ultimate tool for managing income, tracking spending, and making every dollar work for you. In this week's article, learn how to create a personalized budget that reduces stress, boosts savings, and puts you firmly in control of your money.
Financial Life After Graduation
You've earned your degree, now it's time to master your money! Take control of your financial future after graduation with clear steps to build a solid foundation. In this week's article, discover how to confidently build your financial plan, manage debt, boost your credit, and start investing for success!
Financial Goals, Recommitted: Mid-Year Checklist
Life's constantly changing, and so should your money goals! It's the perfect time to realign your finances and ensure you're on track for success, no matter what comes your way. This week's article provides an inspiring mid-year checklist to help you refresh your resolutions, update your strategy, and confidently move forward towards your financial goals!
The Gig Economy: Making a Smooth Transition
Ready to take control of your career? The way we work is rapidly changing, and the gig economy is opening up incredible new possibilities for freedom and flexibility. This week's article gives you the essential steps to build a stable and thriving freelance career on your own terms.
Celebrating Juneteenth - A Letter to Our Future Selves
Reflect on the profound meaning of Juneteenth and its powerful legacy of new beginnings and expanded opportunities. Discover how the journey toward freedom continues to inspire generations to build a brighter, more prosperous future. This week's article features a special letter dedicated to our future selves, exploring a powerful legacy of opportunity.
Don't let summer fun drain your bank account! Discover smart ways to boost your budget and enjoy the season without financial stress. This week's article reveals 9 side hustles to help you earn extra cash and build lasting wealth.
15th Annual "I Got Bank" Art & Essay Contest
Children between the ages of 8 and 12 are encouraged to read a financial literacy book of their choosing, and either write a 250-word essay or create an art project to show how they would apply what they learned from the book to their daily lives. Apply for a chance to be 1 of our 10 winners to win a $1,000 savings account! 💰
Financial Literacy Challenge: 30 Days to a Better Money Mindset
Ready to transform your finances and crush your money goals? Our 30-day challenge combines friendly competition with powerful daily actions, proving that getting financially fit is easier with a buddy. This week's article reveals how to start your streak and build lasting financial wellness.
Raising Money-Smart Kids: The Importance of Financial Literacy
Unlock the secrets to financial success for the next generation! Let's dive into the reason financial literacy is crucial for kids, from understanding allowances to navigating real-world finances. This week's article shares actionable tips for teaching money management at home and advocates for stronger financial education in schools.
Essential Tips For Guilt-Free Spending
Break free from the cycle of spending guilt and financial stress. Discover how to confidently make purchases that align with your values, ensuring every dollar contributes to your long-term well-being. This week's article outlines how to identify “Like” versus “Love" spending, track your habits with cutting-edge tools, and embrace a guilt-free financial future!
The Social Media Trap: How to Avoid Overspending
Could your favorite social apps be the biggest drain on your bank account? From "TikTok Made Me Buy It" trends to personalized ads, the pressure to spend is persistent. This week’s article offers practical steps to help you take back control of your spending and ditch the “add to cart” mentality to save and prioritize your financial goals.
How Tariffs Affect Your Wallet
The news might feel overwhelming, but you have the power to protect your financial future! Learn the impact of tariffs on your daily spending and discover simple yet effective strategies to navigate economic uncertainty. This week's article includes tips for saving, building a little emergency stash, and even making your money work a bit harder for you.
Investing 101: A Beginner’s Guide To Investing
Feeling intimidated by the world of investing? You're not alone! Many people don't know where to start, but building wealth doesn't have to be complicated. Take the first step towards making your money work for you and securing your financial future. This week's article breaks down the basics of investing and highlights accessible options for beginners.
Building Credit with a Secured Credit Card
Credit can feel like a double-edged sword—hard to get without history, yet necessary for financial stability. For those struggling to build credit from scratch or who need to improve their credit, secured credit cards fill the gap! This week's article explores the benefits of secured cards and provides guidance on how to use them strategically to improve your finances.
Esusu X OneUnited Bank: Building Credit Together
Building healthy credit is crucial for financial wellness, and especially for achieving homeownership. That’s why we teamed up with Esusu to get you the credit you deserve! This week's article dives into how Esusu's rent reporting service can help you build your credit score simply by paying your rent, bringing the dream of homeownership closer to reality.
Financial First Aid: What to Do in a Financial Emergency
Life throws curveballs, especially with your finances. Don't let unexpected emergencies derail you! Discover how to reclaim control, ditch the stress, and build a solid plan for whatever comes next. This week's article breaks down step-by-step strategies to navigate financial surprises with confidence.
Feeling the tax season stress? It doesn't have to be that way. Learn how to simplify your filing, understand crucial deductions, and track your refund like a seasoned pro. In this week's article, we'll guide you through each step for a less stressful and more financially rewarding tax season.
Budgeting for Irregular Income: An Entrepreneurship Guide
Feeling the constant pressure of unpredictable earnings? It's time to shift from reactive spending to proactive planning. Discover the secrets to building a buffer fund and automating your savings. In this week's article, we provide a step-by-step guide to mastering your budget with irregular income.
Is your money truly secure with your current financial institution? Many fintech platforms offer convenience, but few offer the security of FDIC insurance. Don't gamble with your finances! This week's article breaks down how banking at FDIC-insured financial institutions like OneUnited Bank gives you the financial security and peace of mind that you deserve.
Making Charitable Donations: Tax Benefits and Tips
Donating to charity doesn’t just feel good and do good, it can also be a smart financial move! Yet, many donors miss out on tax benefits that could reduce their taxable income. In this week's article, we break down how to work smart with your donations.
From Passion to Profitable Business
Ready to trade your 9-to-5 for a life built around your passion? Find out how to match your skills with market demand and build a solid financial foundation. In this week's article, we reveal the key steps to making your passion into a profitable business!
The Power of Family-Owned Businesses
Family-owned businesses are more than just income generators; they're engines of generational wealth and community empowerment. They provide a pathway to financial independence and help close the wealth gap. This week's article explores the power of these businesses and offers practical ideas for starting your own.
Two Hearts, One Wallet! Navigating Finances as a Couple
Building a strong future together starts with smart financial planning. Learn how open communication, joint budgeting, and teamwork can help you and your partner achieve your financial goals. This week's article reveals how to build a financial foundation that strengthens your bond and helps you reach your dreams!
Unlock Your Home’s Potential with Refinancing
Stressed about your mortgage? Refinancing could be the key to lower payments, a shorter loan term, or even tapping into your home's equity. This week's article breaks down the ins and outs of refinancing and how it can benefit your financial goals.
Goodbye 2024, Hello Financial Wellness in 2025
OneUnited Bank is proud to celebrate a successful 2024, filled with significant achievements and industry recognition. From being named to Inc.'s 2024 Best in Business list to maintaining stellar customer service ratings, we're dedicated to providing you with the best possible banking experience. This week's article recaps our accomplishments and outlines our vision for an even brighter future in 2025.
Renting VS Owning A Home: Pros and Cons
Is buying a home still the right move in today's market? Weigh the pros and cons of renting versus owning to determine the best path for you! Explore the long-term benefits of homeownership and how it can contribute to generational wealth. In this week's article, we provide a step-by-step guide to navigating the home buying process, from calculating affordability to securing a home loan.
Digital Banking: The Better Way To Bank
Take charge of your finances with the power of digital banking, available anytime, anywhere. Say goodbye to bank lines and hello to enhanced security and personalized financial insights. In this week's article, we delve into the benefits of digital banking and how it can help you achieve financial wellness!
Celebrating 50+ Years of OneUnited Bank
OneUnited Bank is celebrating 50+ years of empowering our community! Join us as we reflect on our rich history of service, innovation, and dedication to building a brighter future together. In this week's article, we'll take a walk down memory lane and share some of the highlights from our incredible journey.
Out with the Old, In with the New: A Financial Detox
Ring in the new year with a financial refresh! A financial detox can help you shed old habits and create a healthier relationship with money. This week's article provides a step-by-step guide to declutter your finances and set yourself up for success in the year ahead.
Kwanzaa 2024: A Celebration of Determination and Creativity
Kwanzaa is a time for reflection and action, and this year, we're highlighting the principles of Kujichagulia and Kuumba. These principles call on us to take charge of our destinies, tap into our creative potential, and contribute to the well-being of our community. This week's article provides practical steps and inspiration for embodying these principles in our daily lives.
Year-End Checklist: Get Your Finances in Order
New year, new financial goals! Whether you're dreaming of a down payment, a new business, or simply a more secure future, now is the time to start planning. This week's article, provides you with an end-of-year checklist that will help you review your budget, set new goals, and achieve financial wellness in 2025!
Transform your relationship with debt and unlock your financial potential! Discover how to use debt strategically and create a path towards financial freedom. In this week's article, we explore the impact of debt on individuals and communities and offer practical tips for effective debt management.
Managing Holiday Stress: Financial & Emotional Well-being
This holiday season, choose joy over stress! Discover how to celebrate with intention, prioritize meaningful experiences, and avoid overspending. This week's article provides valuable insights and practical tips for a financially responsible and fulfilling holiday season.
Giving Thanks: The Attitude of Gratitude
Unlock your financial potential with the power of gratitude! Fostering a grateful mindset can transform your relationship with money, leading to greater abundance and fulfillment. This week's article introduces powerful #MoneyMantras to help you appreciate your financial journey and make empowered choices for a brighter future!
Your Guide to Gifting Without the Guilt
Ready to conquer holiday spending without sacrificing the joy of giving? Learn how to create a budget, maximize your savings, and make smart spending choices to avoid the post-holiday debt blues. This week's article offers a 5 step guide to guilt-free gift giving and a financially stress-free holiday season!
Our Commitment to Your Financial Wellness
Financial wellness is about more than just numbers – it's about creating a life of confidence and well-being. Discover how to achieve financial security and peace of mind with the right tools and resources. This week's article explores the importance of financial wellness and how OneUnited can help you build a stronger foundation for the future.
Ever felt stuck when a friend asks for a loan? It's a situation that requires careful consideration and clear communication. This week's article offers practical steps to navigate lending money to those closest to you, ensuring a positive outcome for both your finances and your friendship.
First-Time Homebuyer Assistance Programs
Record-high housing prices got you down? Don't let today's market discourage you from chasing your homeownership dreams! This week's article, explores first-time homebuyer assistance programs, including those offered by OneUnited Bank, designed to make homeownership more attainable.
Gen Z and Millennials on Retirement
Gen Z and Millennials are rewriting the rules of retirement! Instead of waiting for a distant future, they're taking control of their finances now. This week's article explores how they're prioritizing flexibility, early savings, and aligning their finances with their life goals.
Reclaiming Our Wealth and Our Roots
Land represents more than just property; it holds the key to economic power and generational wealth. In this week's article, we explore the historical injustices surrounding land ownership for Indigenous and Black communities. Join us as we celebrate the inspiring initiatives that are working to restore justice and build a brighter future.
Credit Fix: Tips for Improvement
Your credit score is more than just a number – it's the key to unlocking financial opportunities! This week’s article provides practical tips for improving your credit score and breaks down how your score is calculated. Don’t wait any longer, take the first step towards your financial future today!
Beyond the Myths: The True Impact of Immigration
Immigrants embody the American spirit of ambition and perseverance. As we celebrate their contributions and advocate for a more inclusive society, this week's article confronts misinformation and highlights the resilience, economic impact, and vital role immigrants play in strengthening our communities.
Community Banks: Stewards of the Neighborhood
From advancing economic justice to encouraging financial empowerment, our story is one anchored in fighting for our community. In this week's article, learn the diverse initiatives we've taken to address our community's needs while investing in long-term solutions for building generational wealth and financial literacy.
Black Travel: The Legacy of the Green Book
Discover how to travel safely and affordably while embracing the rich legacy of Black travel with The Green Book! Explore its legacy and how it continues to shape inclusive travel today. From budgeting tips to finding welcoming destinations, this article, offers you practical insights to improve your experiences and empowers you to explore the world with confidence!
Love & Money: Making It Work in Diverse Families!
Turn cultural differences into financial strengths! Explore the challenges and opportunities of managing money in multi-generational & multicultural households.
Is the Cost of Higher Education Worth It?
While a college degree can boost your earnings and open doors, alternative paths like vocational training or entrepreneurship can also lead to success.
AI is Reshaping Your Bank Account. Are You Ready?
AI-powered banking is providing personalized financial guidance to help customers achieve their financial goals and build generational wealth.
Election Ready? ✅ How Your Vote Matters!
Learn how your vote can protect democracy, secure your rights, and combat injustices.
Your Dream Team for Home Buying 🏡
Discover how assembling a "Kitchen Cabinet of Advisors" to help you navigate the home buying process can help you make smart decisions at every step.
Shopping for back to school? Save big with these budget-friendly shopping tips!
Maximize Your Money with These Tips💸
Heading to college? Get ahead with these 5 financial tips. From money talks with family to taking advantage of student discounts, we’ve got you covered. Learn how to setup a financial plan, maximize financial aid, and build credit—all while enjoying your college experience. Dive in and get financially fit today!
Struggling with the high cost of college living? Check out these five affordable housing hacks to make your college life easier.
Explore These 5 Budget-Friendly Summertime Activities for Kids!
It's summertime and you don't have to break the bank to have fun in the sun with your kids. From outdoor activities to arts & crafts, our latest article provides not one, not two, but FIVE summer activities for every family to enjoy.
Unlock Your Money Love Language🤑
Curious about how your love language influences your financial habits? Dive into our latest article for insights to deepen your understanding of money and strategies to build generational wealth based on your money love language.
Imagine walking into your dream home knowing you got the best possible deal—our guide will show you how. Whether you're a first-time homebuyer or looking to upgrade, we've got you covered. Dive in now!
Honoring Defenders of Love❤️🔥
In the land of the free, we embrace the right to love whomever we choose. Join us in celebrating two courageous couples who paved the way for interracial and same-sex marriage laws.
Tune Into Our New OneLove TV Commercial Now🫶🏽
Celebrate Juneteenth with OneUnited's OneLove Card! See how OneUnited Bank promotes unity, love, and financial empowerment.
Dive into our latest article to explore the history of this significant day and its pivotal role in shaping our country into a global force.
Bootstrap Your Way to Business Success!
Want to grow your business without relying on investors? Dive into our latest article for actionable tips to self-fund your business as an entrepreneur!
Transform Your Financial Mindset with These Expert Tips!
Dive into our latest article with mental health professional, Arlesha Pugh, sharing practical strategies to help you balance mental and financial wellness.
Why Wait? Get Paid Sooner with Early Pay!
Imagine not having to wait until Friday to access your hard-earned money. Learn how to enroll in direct deposit with OneUnited Bank and receive your paycheck up to 2 days early. The process is as simple as 1,2,3!
A Closer Look at Skin Color Bias
Let’s talk about colorism. Dive into our latest article to learn how this silent issue impacts our lives, influences our communities, and what we can all do to challenge it. This is an eye-opener—don't miss out!
Introducing the OneLove Card!🫶🏽
The OneLove Card was inspired by our customers voices and stories of resilience, determination, and pursuit of financial freedom and equality. For 2024 and beyond, bank on love and unity with the OneLove Card!
Tap into the power of AI with WiseOne Insights, your financial wellness companion that will help you revolutionize your financial future!
URGENT: Black Businesses Need Us Now!
There's an urgent need for more venture funding for Black-owned businesses. Dive into our latest article to learn how you can fuel their success.
More of Our Interns' Inspiring Paths!
Delve deeper into the success stories of our interns in Part Two of our Internship Spotlight article. Explore how our program continues to shape talented professionals across various industries, illuminating the path to success.
From Interns to Industry Leaders!
Join us as we spotlight the achievements of four remarkable graduates from our internship program. From Marketing & Social Media to Human Resources and Retail Banking, explore how our program equips interns with the professional skills needed to thrive in today's dynamic workforce.
We're thrilled to announce the 2023 winners of our annual "I Got Bank" Financial Literacy Contest. Dive into their captivating artwork and essays based on I Got Bank now.
Enter for a Chance to Win $1,000!
Calling all young readers! Dive into "I Got Bank" and craft a captivating essay or artwork to enter our 14th annual "I Got Bank!" Financial Literacy Contest. Be sure to read our latest article for more information about the contest.
Ready to transform your money mindset? Learn how prioritization, saving, and conscious consumption can reshape your wealth building journey. Let's make smarter money moves together!
Bank on Love & Unity with Style!
Guess what? Our OneLove merchandise is officially here and ready for you to wear! Check out the collection inspired by unity, love, and financial empowerment.
In honor of Women's History Month, let's embark on a journey through time as we delve into the undeniable influence and contributions of three women who have shaped the music landscape throughout history.
Level up your money and fill your mind with the BEST advice that personal finance has to offer with these 7 must-read books. Your path to financial success starts here.
Excel in Your Career with These Tips!
Have you ever felt like you weren’t clued in on the inside scoop while navigating your career? Learn valuable strategies, insights, and inspiring stories here that empower you to THRIVE despite the odds.
Ready to add a few zeroes to your bank balance? Explore our latest article for 3 actionable tips to increase your cash flow.
Prepare for Parenthood Like a Pro!
The journey to parenthood is priceless, but it doesn't have to break the bank! From building a baby budget to maximizing savings, our latest article provides 10 essential money moves to make to help you prepare for parenthood's financial adventure. Dive in now!
Hello Black History Month 2024!
Let's embark on a journey through time. Dive into our latest article unveiling iconic landmarks and museums that honors significant figures, shares inspiring stories, and embraces the resilience and progress of Black Americans.
Thank You for Making 2023 a Great Year!
We want to express our heartfelt gratitude for your unwavering trust, support, and membership. Read more about how you've contributed to this remarkable year. Stay tuned for 2024!
Empower Your Children with Financial Wisdom!
Do you aspire for your kids to be financially literate and equipped with wealth-building skills? We've provided the material, now you can build the foundation for their prosperous future.
The Fast Track to Early Retirement
Ready to break free from the traditional retirement timeline? Dive into our latest article on the FIRE method–your guide to financial independence and early retirement. Kiss debt goodbye and retire on your terms!
Wealth is often viewed through the lens of income, but the real key to success lies in a shift in your relationship with money. Unlock the true path to building generational wealth!
Beyond our finances and fitness goals, true joy is found in the love you have for yourself and others. Let's lead in light & love for a fruitful 2024.
Join Us in Celebrating Kwanzaa!
As we enter the season of celebration and reflection, Kwanzaa emerges as a guiding light, emphasizing the significance of togetherness. Join us as we illuminate the history and significance of Kwanzaa.
Our Top-Picks for This Holiday Season!
Tick-tock, the holidays draw near. Dive into our article highlighting 11 must-shop businesses for this holiday season.
Empower Your Relationship with Financial Unity!
Love is in the air, but what's in your pockets? Discover the keys to managing money and building your wealth as a team.
Boost Your Business with These 5 Game-Changing Tips!
Ready to learn how to tackle your business finances like a pro? The path to a thriving business and bank account start here.
Congratulations, you're debt-free! Here are 5 life-changing moves you can make to maximize your wealth. Your journey to financial freedom starts here.
Low or No Credit? Learn Solutions!
Rebuild your credit with the OneUnited Bank UNITY Visa® Secured Credit Card. Your path to financial empowerment starts here.
Exploring Black & Indigenous Legacies
Embark on a captivating journey through history and explore the connection between Black and Indigenous communities in the U.S.
Voting is our superpower to reshape our nation. With upcoming municipal elections on November 7th, it’s time to get up, get informed, and get to the polls!
Tired of missing out on life due to your finances? Ready to transform your financial reality? Read our guide on how to live life while growing your savings account!
Maximize Your Sales Potential!
Marketing isn't just important; it's absolutely CRUCIAL to your business' growth and success. Use our 5 tips to fuel business growth through strategic marketing!
Guide to a Fee-Free Financial Future!
Did you know that Black and Hispanic customers often face higher bank fees compared to their White counterparts? Use our 3 tips to keep fees at bay!
Earn Cash in College with Ease!
As many of us know, college is a time when the financial struggle is real. Here are 7 side hustles to earn cash in college!
Black women are the fastest-growing demographic of entrepreneurs in the nation, yet face disproportionate barriers when seeking business funding. Join the fearless fight for Black, women-owned startups!
It's Time for a Post-Vacation Reset!
The summer season is a time to enjoy life with loved ones and splurge a little, or a lot, on summertime adventures. Follow our 8 steps to take back financial control just in time for the holiday season!
Use Our 7 Top Tips to Prevent Fraud!
It's not Halloween, but the rise in fraud is certainly spooky. Use our cheat sheet to learn how to protect yourself from scammers the OneUnited Bank way!
Black Business Ownership is Moving on Up!
New month, new focus, and for the month of August, we're focused on celebrating National Black Business Month! Here's 6 ways to support Black-owned businesses for Black Business Month.
Tune Into Our #FinanciallyLIT Playlists!
For most students, college is a time of scrimping, saving, and struggling to allocate funds for needs and wants. Tune into our #FinanciallyLIT playlists and learn how to maximize your money!
Two Steps Back: The Fight Continues!
For every step we take forward, we're often knocked two steps back. On June 29, 2023, the United States Supreme Court struck down race-based affirmative action in college admissions. Here are 4 key ways we can fight back!
Keep Your Identity Safe & Secure
With the rise of technology, identity fraud is a nightmare that's become a reality for millions. Read our 10 key tips to protect yourself from identity theft!
Make Sure Your Money is Safe, Secure, and FDIC Insured
If you think your money is safe in your favorite peer-to-peer payment app, you may want to think again. Read more about the hidden risks of popular payment apps!
CELEBRATING 10 YEARS OF #BLACKLIVESMATTER
#BlackLivesMatter may stem from pain and injustice, but it also represents triumph and perseverance. Let’s continue to uplift and empower our community in this uphill battle for justice and equality!
9 Summertime Jams for Your Playlist!
There's truly nothing like the sweet sound of music. It has the power to make a transformation in our moods and our lives. Add an extra pep in your step with these 9 summertime jams that you NEED on your playlist.
4 Essential Tips to Get Retirement Ready!
Statistics show that 83% of Black seniors do not have the necessary assets to retire. As the nation's largest Black-owned bank, we've always got you covered. Here's 4 essential tips and resources to help you soar into retirement with ease!
To Dads Everywhere: We Love You!
Happy Father's Day! As the nation's largest Black-owned bank, we aim to eradicate the notion that Black fathers are uninvolved in their children's lives. Black fathers, we see you, we love you, and stereotypes and systems cannot erase the value you provide to your families and our collective community.
Say farewell to the constraints of traditional payment methods and step into a world of instant connectivity with OneUnited Money Moves. Learn more about this cutting-edge, real-time person-to-person payment system, exclusively offered by OneUnited Bank!
Today, we commemorate the power, strength, and resilience of Black Americans who have endured centuries of oppression on the uphill battle for justice and equality. On this Juneteenth, let's celebrate AND activate our allies, communities, and nation.
BuyBlack at Black-owned LGBTQ+ Businesses!
They're here, they're queer, and these Black-owned businesses have everything you need! Let's support them, put our dollars to good use, and BuyBlack today!
Congratulations to Our 2022 Contest Winners!
Introducing our 2022 “I Got Bank” Financial Literacy Contest winners. Check out their art and essays!
Here's the 411 on Interest Rates
The Federal Reserve has increased rates to its HIGHEST level in over 16 years. How do these changes affect you, you might ask? Here's the 411 on the highs and lows of interest rates!
HELLO, Financial Literacy Has Entered the Chat!
Knowledge is power, and we're empowering YOU to change the narrative and #BuildBlack wealth. Read our 7 essential tips to close the financial literacy gap and build generational wealth!
Use These 8 Tips to Pay Off Your Student Loans!
As the nation's largest Black-owned bank, we're dedicated to helping you track your finances, reduce your debt, and achieve financial freedom. Read our 8 actionable tips to pay off your student loans!
The OneUnited Bank Digital Card is Here!
When you are approved for a OneUnited Bank checking account or report a card lost/stolen, we will issue you a digital card within 24 hours to add to your digital wallet (Apple Pay, Google Pay, etc.). Take advantage of real-time access to your money upon account approval!
Understanding Mental Health in Black Communities
We are providing clarity on the mental health stigma in the Black community. We must overcome systemic barriers to access quality mental healthcare and take actionable steps to improve mental health treatment and accessibility in our communities.
5 Benefits of a Certificate of Deposit!
Are you in need of a safe, secure, and simple way to earn money from your savings? A Certificate of Deposit (CD) may be the perfect fit for you! Here’s 5 benefits of a CD so you can begin growing your savings today!
Why Refinance? We've Got the Answers!
Your home may be the biggest investment you make in your lifetime. We always want to make sure you're making #SmartMoneyMoves, especially when it comes to your mortgage. Join us as we debunk common myths and explain the strengths of refinancing. It could save you thousands!
Top 10 Money Mistakes to Avoid!
There's nothing wrong with making money mistakes, but we must learn from them to ensure we're placing ourselves in a position to win. Read our top 10 money mistakes to AVOID so you can start making smart money moves today!
5 Money Solutions When Family is the Problem!
Do you have family members who always seem to have money problems, then expect to be bailed out? We can relate. Here are 5 money solutions that work when family is the problem!
5 Essential Tips to Grow Your Business!
As the nation's largest Black-owned bank, we understand the difficulties Black business owners face. Learn more about how to grow your business using our 5 essential tips!
Learn more about how the nation's largest Black-owned bank protects your money!
Taking action toward increasing our #FinancialLiteracy is key to financial success. Learn more about how YOU can use these 7 simple steps to build a strong financial future!
Save for College Quickly with Our Top Tips!
College costs are WAY too high! But saving for school has NEVER been easier with our 15 top tips. Learn more about how to plan, budget, and save for college the OneUnited way!
"AI moves the mind; hands move the soul" - Addonis Parker
Learn more from our world-renowned resident artist, Addonis Parker, on the impact of AI on organic art, specifically Black artistry.
Get Your Tax Return Sooner with These Tips!
It's tax time, but have no fear, because OneUnited Bank is here with the BEST tips for tax season! Learn more about how to file your taxes in 5 easy steps!
#BlackJoy for Black History Month!
#BlackJoy is focusing on our happiness, even through pain. Today, tomorrow, and forever, we choose JOY. Learn more about how you can embrace and celebrate #BlackJoy!
#BlackArt for Black History Month!
This BHM, we are celebrating #BlackArt and honoring 4 Black artists who are building community by sharing their stories of resilience through creativity. Read more below!
Love is in the air, and so is money! Leverage your partnership with the one you love to achieve financial goals. Learn more about how you can build wealth as a pair!
Redlining has significantly contributed to the #RacialWealthGap and its effects on accessibility, economic inequality, and #GenerationalWealth.
Introducing the OneUnited Empowerment Network!
The OneUnited Empowerment Network is here to serve YOU. We now have over 100,000+ surcharge free ATM locations, more than ANY other bank in the nation. It also includes OneUnited Card Command, to turn on/off your card, get real time notifications on spending and more in our mobile banking app! We are placing the POWER directly in your hands!
A dream is only a dream if there is no work behind the vision. We are the fruit of Martin Luther King Jr.’s labor, and we are fully committed to achieving OUR dream of eliminating the #RacialWealthGap, establishing #FinancialLiteracy within the Black community, and helping everyone build generational wealth.
As we enter another new year, we would like to THANK YOU for the progress we made in 2022. As the nation’s largest Black-owned bank, we strive to offer the ultimate #BankBlack experience. From our CashPlease loan program to 2-day Early Pay, we’ve continued to expand our products and services to fit your needs.
10 Benefits of Banking with OneUnited Bank
When you #BankBlack, you recirculate dollars within our community, helping to build businesses, dreams, and opportunities. Here are 10 key benefits of why it pays to bank with OneUnited Bank.
Achieve Your Financial Goals in 2023
What a year! 2022 pushed us to re-evaluate our financial goals. With a game plan, 2023 can be your winning year! The secret sauce to success is hard work… and a couple of helpful tools along the way. You can soar in the new year with two of our favorite tools, a list of goals and a visualization. Get ready to start an intentional journey, taking active steps towards your goals.
The Untold History Of Black Banks: 3 Reasons They’re Important
As the largest Black owned bank in the country, OneUnited Bank defines Black Americans by our assets instead of our challenges. That’s the framework we use to explain the untold history of Black-owned banks and the 3 reasons they’re important.
Spice up your holiday dinner with #FinanciallyLit conversations.
Gathering around the holiday dinner table goes beyond the turkey, the stuffing, and the mashed potatoes. Click below to learn how to start the conversation about Generational wealth.
Feeling the Holiday Stress? Focus on Financial Wellness
From buying gifts to traveling to visit family, the added expenses this holiday season brings can take a toll on you. Not just financially, it can also severely affect your mental health. Don't let the holiday season overwhelm you.
10 Gift Ideas to Support the #BuyBlack Movement
'Tis the season to #BuyBlack and #GiftBlack! Check out these 10 amazing gift ideas available from Black-owned businesses right now! Don't let the holiday season overwhelm you.
The Big Lie About the Racial Wealth Gap!
Do you understand the difference between income vs. wealth?
Should you or your grown children buy a home or continue to rent?
Introducing Our New Compton Branch!
We are proud to announce the opening of our new state-of-the-art branch in Compton, California, on February 28, 2022.
Black Access to Small Business Loans
During the second quarter of 2022, a meager $324 million of venture funding was directed towards Black-owned startups, a steep drop from a quarterly highs of $850 million to $1.2 billion during the 5 previous quarters. How do we make sure #BuyBlack is not a
The Black Financial Revolution is here!
Our Money Management tool is FREE in our app and online banking.
Introducing our free, state-of-the-art Money Management tool to help you reach your goals by developing a plan to take action!
Introducing OUR 2021 I GOT BANK CONTEST WINNERS (1 OF 3 PART SERIES)
Introducing our 12th Annual “I Got Bank!” Financial Literacy Contest. Your child can win $1,000 savings account at www.oneunited.com/book!
Imagine walking downtown or along your favorite strip and seeing Black businesses lining the streets. Barbershops, boutiques, local grocers, design studios, and more…creating a vibrant hub for a flourishing community.
We offer business bank accounts to businesses in our market areas of Boston, Los Angeles and Miami. New business banking customers must open their first account in person in one of our branches but can manage their account online once the account is opened.
FedNow will revolutionize how bank funds are transferred in 2023.
With CashApp, Venmo, Zelle and PayPal, you can send money to friends and family around the clock in real time. In July 2023, the Federal Reserve will introduce FedNow, that will enable a similar service through banks.
Qualify for Student Loan Relief? Here is what you need to know...
There has been a near tripling of both four-year public and four-year private college cost since 1980. Simultaneously Pell Grants have diminished from offsetting the majority of costs (80%) to offsetting only 33% of costs. Many families have no option but to borrow in order to academically advance. The Department of Education concludes that the average student graduates with around $25,000 in loan debt. Access to one of the greatest engines of socio-economic advancement, education, is for far too many, not accessible. Rather, it has become an increasingly myriad landscape of complexity, cost, and confusion.
Black Women Forever, Black Money Forever, Wakanda Forever!
As the nation’s largest Black owned bank, we understand that representation matters. 5 years ago, we stated that Black Panther would #MakeBlackHistory and the film proved us right. Today, young kids across the world see themselves reflected in a regal community! Here’s how the power of representation continues to matter.
OneUnited Bank Is Rewriting The Rules Of Banking
With innovative solutions, we help you BankBlack, BuildBlack and BuyBlack. Our community is on the rise – It’s the power of the Black dollar!
Black homeownership is not just an issue of wealth, but also of equity and opportunity. As the nation’s largest Black owned bank, we understand the importance of homeownership.
Got 99 Problems, But A Bank Ain’t One!
All over the news and in social media there has been talk about a bank account closure. Some have asked, "How can that happen?" As the nation's largest Black owned bank, we would like to assure you that closing a bank account is rare. Here's...
Here are some frequently asked questions with top secret answers!
In 2006 – almost 20 years ago – we launched our digital platform. Today, we offer state-of-the-art technology, including 2-day early pay, money management, CashPlease and AutoSave. We also have over 40,000 surcharge free ATM locations nationwide including at Chase Bank and Citibank branches. OneUnited Bank is available nationwide because we decided to invest in technology rather than open more physical branches which can cost $250,000 to $500,000 per branch each year. You can now bank in the palm of your hand from anywhere in the U.S.A!
CashPlease, a practical short-term loan, without a credit check.
CashPlease allows OneUnited Bank customers to access an affordable, short-term loan for up to $1,000. And it’s available 24/7, and once approved, loan funds are deposited within just 4 hours!
The Restoration of Black Wall Street
#BlackWallStreet is back and more accessible than ever - from Black owned, online businesses, to the foothold Black owned businesses are obtaining in big name retailers! Business in booming!
Let’s embrace our digital edge to grow Black owned businesses.
We know our underserved needs, our underrepresentation, and how to authentically reach our communities. We understand that the Black community isn’t a monolith. We can speak to the array of niche cultures that make up Black America. Let’s grow seasoned Black businesses to better solve our needs with digital solutions.
12TH ANNUAL “I GOT BANK!” CONTEST
OneUnited Bank is sponsoring the 12th annual financial literacy contest for youth between the ages of 8 - 12 years old.
Historically, America has ignored one of its most promising investments: Black women. The “how” and “reasons why” this is the norm is an important conversation to have for sure, but we want to focus on why this overlooked part of our community is the most promising.
Monetize This: How To Make It As A Content Creator
You’ve probably seen or heard about people making serious money as content creators and thought, “Hey, I could do that!” And the good news is you could. You could become a content creator today, but you should know all your options and what the path to monetization is really like before you start.
We’re going to be real here: Who doesn’t like getting a tax refund? Getting money back is a great feeling! Yet, getting money back and resisting the urge to use it all to “treat yo’ self” is hard. So here are 5 ideas to “treat yo’ self” and set yourself up for financial success in 2022.
Be A Financial Goal Getter In 2022!
Congratulations, you have made it to another year! Join us as we speak this into existence: 2022 will be another year of change, growth, and triumph. Yes, with some North stars guiding us, we can get to where we want to go!
Introducing Josephine Baker: Entertainer, Spy, Hero, Activist!
Josephine Baker represented #BlackGirlMagic long before Black Twitter made the term popular. Born in 1906, the year Black Wall Street was founded in Greenwood District of Tulsa, Oklahoma, she was the first Black woman to become a world-famous entertainer.
5 Side Hustles to Help Pay Off Student Loans
Student loan debt has been a major burden, especially for Black Americans. Here are 5 side hustles to help you pay off your student loans.