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A fundamental element of safeguarding your confidential information is to provide protection against unauthorized access or use of this information. We maintain physical, electronic and procedural safeguards that comply with federal guidelines to guard your nonpublic personal information against unauthorized access or use. Our employees are subject to a corporate code of ethics and other policies that require maintaining the confidentiality of customer information.

OneUnited Bank will continue to enhance and maintain prudent security standards and procedures to protect against unauthorized access or use of your nonpublic personal information and records. These security procedures also protect former customers and consumers who have applied for an account or service at OneUnited Bank for as long as the information is retained.

OneUnited Bank encourages you to help us protect your information and to keep your information accurate. If you suspect someone has made unauthorized transactions on your OneUnited Bank accounts, or if you believe that any information about you is not accurate, please call us at 1-877-ONE-UNITED or 1-877-663-8648.

OneUnited Bank utilizes state-of-the art security technology to protect your data and transmissions over the internet. Any application or enrollment forms on the OneUnited Bank web site use Secure Socket Layer (SSL) technology to transfer your information across the internet to us. This technology encrypts - or scrambles- the information you provide so it's virtually impossible for anyone other than OneUnited Bank to read it. We use this technology whenever confidential information, such as your account number or social security number is requested. However, in some cases we give you the option of sending information to us in an unencrypted mode..

When dealing with your financial accounts, privacy and security are of the utmost importance. When you communicate with someone regarding a financial transaction, your account, or any other pertinent details regarding your banking, please be discreet and DO NOT include account numbers or any other private and personal information. Your password for Online Banking is also very important to keep secure and private from anyone else. No one from OneUnited Bank or any of our partners will ever ask you for your password. Be aware that Identify Theft is a major concern so always be careful in protecting your personal and financial information.

If you send us email, we may retain the content of the email and your e-mail address in order to respond to questions or concerns that you may have. To help secure transmissions, your e-mails to us should be sent using the Contact Us page on this website . Since we cannot ensure our response back to you is secure, we will not include nonpublic personal information such as account numbers or social security numbers in the response.

When dealing with your financial accounts, privacy and security are of the utmost importance.

Although OneUnited Bank has taken these reasonable and appropriate measures to ensure that your personal information is secure, we cannot guarantee that the nonpublic personal information you provide will not be intercepted by others and decrypted. We are not liable for a breach of security that occurs for reasons outside of our control.

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Important disclosures regarding the FDIC’s Transaction Account Guarantee Program: OneUnited Bank is participating in the FDIC's Transaction Account Guarantee Program. Under this program, the FDIC temporarily provides a full guarantee for deposits held by FDIC insured institutions in noninterest bearing transaction accounts. This coverage became effective on October 14, 2008 and will expire at 11:59 PM EST on December 31, 2010. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules. OneUnited Bank does not guarantee that its rates for interest bearing checking, money market and IOLTA accounts will not exceed 0.25%, and therefore these accounts are not eligible for TAGP. Please visit the FDIC website for more information on this pro gram (www.fdic.gov)

 

* The interest rate (1.01%) and annual percentage yield (APY) (1.01%) is effective today and has been effective as of July 12th, 2010. $1,000.00 minimum balance to open and $1,000 minimum to earn disclosed APY. All rates are subject to change daily. Interest on CDs is compounded at the end of the term or annually, which ever is shorter. A penalty may be imposed for early withdrawals on all CDs, and fees may reduce earnings on the account. For more information, including how interest is calculated and fees, please review our Online Truth in Savings Disclosures or speak with our Financial Service Representatives. Please call 1-877-One-United or 877-663-8648 for current rate or further detailed information.