Introducing the OneUnited Empowerment Network!

The nation’s largest Black-owned bank puts the POWER in your hands with the nation’s largest surcharge-free ATM network!

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Join the Movement

You’re seconds away from opening your account with us – so close! When you complete your application online, you’re getting more than just a bank account.

Get access to the largest surcharge-free ATM network in the nation, over 100,000+ ATM locations[1] in the Empowerment Network! Also control your card with OneUnited Card Command to turn on-and-off your card, set travel plans and more!

We’re proud to offer the Empowerment Network — the nation’s largest surcharge-free ATM network. We now have over 100,000 ATM locations with easy access at your leading neighborhood retailers and Chase Bank and Citibank branch ATMs. More than any other bank in America!

Built to EMPOWER your financial resources whenever & wherever you are, banking with OneUnited has never been easier and more convenient to access and manage your money. Experience the Power of an Unrivaled, Nationwide ATM Network 100,000+ Strong!1

Participating Retailers:

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Our Empowerment Network also includes our OneUnited Card Command service in our app, putting the power in your hands to:

  • RealTime Card Command. Instantly turn off a lost or stolen card from your mobile app
  • RealTime notifications keep you informed about all card purchases.
  • Reveal full card details anytime you need them (full card number, expiration date, and CVV)
  • Add activated cards to your mobile wallet easily with just a few taps to get started.
  • Set travel notifications from your mobile app
  • Know where every card is stored online. Track where your card is on file for recurring payments.
  • Map out every card transaction from our mobile app and easily recognize purchases with clear retailer names, business hours, and locations. You can even contact your favorite retailers directly in the app to resolve issues quickly.
  • View card purchases by date, retail category, or even by location on a map.
  • Set spending limits based on location, amount, store, and transaction type so you will never have to stress about overspending ever again.

Now you’re empowered to get paid 2 days early, manage your money, gain financial literacy, earn rewards, control your card, and access over 100,000 surcharge-free ATMs in your neighborhood—more than any other bank in the country.

We continue to EMPOWER our community. We’re the nation’s largest Black-owned Bank and the first Black-owned digital bank. Yet, OneUnited is a real bank, not just a digital platform, so your money is safe with us, and FDIC insured.

Be empowered now with OneUnited Card Command and over 100,000 surcharge-free ATMs. Join the Movement and leverage our Empowerment Network today!

Join the Movement

[1] For withdrawals only – Includes Allpoint and MoneyPass surcharge-free ATM networks with ATMs located in 7-Eleven, Costco, CVS, Target, Walgreens, and other participating retailers and financial institutions, plus Chase Bank and Citibank branch ATMs.