Earn Rewards Today!

Be Part of the #BankBlack Movement, and Spread the Word.

Earn Cash For Referrals

Cash Back Reward | Advocate Program | OneUnited Bank

Use your Advocate Referral Code to get $50 for each qualified new customer*.

Get Badges, Points, & Gifts

Join the Movement Badge | Advocate Program | OneUnited Bank

Complete activities, like setting up direct deposit, to earn points, badges, and special gifts.

Increase Your Status Level

Advocate Program | Status Level Advocate

Step up to the Bronze, Silver, and Gold Advocate Level and receive exclusive rewards.

Earn Rewards Today!
Get To Know the OneUnited Bank Rewards Program

Check out the video to learn more.

Ready to Earn Rewards?

Login to online or mobile banking to get your Advocate Referral Code. If you aren’t a member yet, just open an account today to get started.

*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 and/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 12/31/2023. 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 Rewards Program. (See Rewards Program Rules here for full details.)


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