Here’s Your New Side Hustle

Refer Friends. Earn Cash Rewards.

We value ‘word of mouth’ so much that we’ve put together a generous Advocate (referral) program. We prefer to put money in our customers’ pockets than writing fat checks to Google and Facebook for their expensive advertising!

So…login to online banking now, then follow the 3 easy steps below to earn cash money!


Login to Online Banking

Easy As 1 - 2 - 3
Step 1 | OneUnited Bank

Get your referral code

If you don’t have an account with us, then sign up today so you can start earning cash rewards for referring your friends and family to OneUnited Bank.


Open An Account


Once your account is set up – or if you are already an account holder – you can simply login to Online Banking and under “Additional Services” click on the “Advocate Program” link to find your code!

Step 2 | OneUnited Bank

Share your referral link or code with your friends

Once you have your unique code or link start sharing it with friends and family.


Text it to your friends and tell them, ”I’m down with the #BankBlack Movement, join me.” Share your unique link with your Facebook or Twitter networks.


You can share your code or link as often as you like.

Step 3 | OneUnited Bank


You can earn $1,000* just for referring 40 new accounts to OneUnited Bank…how awesome is that?


Now just kick back and wait for your cash back rewards to kick in!


*For an Advocate to qualify for the Refer-a-Friend cash reward, the referred person must: (i) not be a current OneUnited Bank customer; (ii) use the Advocate Referral Link or the Advocate Referral Code when applying for a OneUnited Bank deposit account; (iii) be approved for a OneUnited Bank deposit account; (iv) fund the OneUnited Bank primary deposit account; and (v) activate a OneUnited Bank Visa debit or ATM card or open a Certificate of Deposit. Cash rewards will only be deposited into an Advocate’s OneUnited Bank checking or savings account that is open and in good standing, within 90 calendar days of achieving the Qualifying Activity. The maximum cash reward or cap within 12 months is $12,000.00.


An Advocate who no longer has an account in good standing with OneUnited Bank will forfeit their cash reward(s). The Refer-A-Friend cash reward offer expires 12/31/2021. Cash rewards are subject to IRS 1099 reporting. Please review OneUnited Bank’s Truth in Savings Disclosure and Online Truth in Savings Disclosure and the Deposit Account Agreement here for minimum balances to open deposit accounts, the annual percentage yield (APY) for interest-bearing accounts, fees and other account terms. There is no minimum balance to participate in the Advocate Program. (See Advocate Program Rules here for full details.)


All OneUnited Bank personal customers (non-business) are automatically enrolled. To opt out of the OneUnited Bank Advocate Program, please contact us at 877-663-8648.