Money Management: Elevate Your Finances

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The Wise Way to Manage Your Money.

WiseOne is a state-of-the-art AI-driven conversational money management platform built with Google Gemini. Ask questions, get answers. An all-in-one solution to link all your financial accounts and receive a personal financial AI assistant, wealth and credit-building tools, and more.

You’ll be wowed!

Key Features That Make a Difference

Built with Google Gemini

Get the WiseOne Financial Wellness Assistant built with Google Gemini. Ask questions, get answers. Just ask, “How can I reduce my debt?” or “Based on this week’s budget, can I afford to go out to dinner tonight?” and get a clear response.

Get AI Money Management

Let AI fix your finances. Finally, an all-in-one financial solution to link all of your financial accounts and receive personalized AI-driven WiseOne Insights, your credit score, AI-generated budgets, best-in-class security, and more.

Monitors Your Credit

Monitors your credit score with customized alerts for new inquiries, accounts, spending, and credit utilization. WiseOne helps to detect fraud sooner and correct inaccurate info on your report that can help you boost your credit.

Tracks Your Progress

Tracks your progress with clear, easy-to-read charts and get real-time alerts to keep you on track. Your financial journey has now been visualized.

FAQs

Who has access to WiseOne Money Management?

If you have an Essential Checking account, you have full access to WiseOne Money Management, including the WiseOne Financial Wellness Assistant and WiseOne Credit Score by Savvy Money. Please see our Web (Online Banking) and App (Mobile Banking) Service Agreement on our disclosure page for details.

All other checking account customers can upgrade to obtain full access in WiseOne Money Management by opening an Essential Checking Account. See our Online Truth in Savings Disclosure and our Web (Online Banking) and App (Mobile Banking) Service Agreement on our disclosure page for details.

OneUnited Bank will be offering WiseOne Money Management as a subscription service soon, but as an Essential customer, you get full access now with no subscription fee.

What are the benefits of WiseOne Money Management?

Here are 3 key benefits:

Built with Google Gemini – WiseOne includes a Financial Wellness Assistant built with Google Gemini. Ask questions, get answers. Just Ask WiseOne, “How can I reduce my debt?” or “Based on this week’s budget, can I afford to go out to dinner tonight?” and get a clear response.

Offers AI Money Management – Let AI fix your finances. You can link all of your financial accounts and receive personalized AI-driven financial insights, your credit score, AI-generated budgets, best-in-class security, and more.

Monitors Your Credit – With WiseOne Credit Score by Savvy Money, you can monitor your credit score and get customized alerts for new inquiries, accounts, spending, and credit utilization. WiseOne can help to detect fraud and correct inaccurate info on your report that can help you boost your credit.

What is WiseOne Credit Score by Savvy Money?

With WiseOne Credit Score by Savvy Money, you can monitor your credit score and get customized alerts for new inquiries, accounts, spending, and credit utilization. It can help to detect fraud and correct inaccurate info on your credit report that can help you boost your credit. The disclosure for WiseOne Credit Score by Savvy Money is available when you enroll in this additional service.

What is the cost of WiseOne Money Management?

If you have an Essential Checking account, there is no additional monthly fee for WiseOne Money Management.

OneUnited Bank will be offering WiseOne Money Management as a subscription service soon, but as an Essential customer, you get full access now with no subscription fee.

I receive WiseOne Insights. Do I also have access to WiseOne Credit Score by Savvy Money?

Essential Checking account customers have access to the full WiseOne Money Management service including WiseOne Credit Score by Savvy Money and the WiseOne Financial Wellness Assistant.

How does WiseOne compare to other money management services?

Quite simply, WiseOne Money Management sets itself apart from other money management services by offering a proactive, AI-driven financial companion built with Google Gemini instead of just a tracking tool. While competitors provide reports, WiseOne Money Management uses a conversational agent and AI to deliver personalized, actionable guidance and alerts (e.g., Debt Payoff Strategy), helping you make better financial decisions in real-time. Crucially, as a product offered by a bank, it provides enhanced bank-level security and compliance, giving you a level of trust and access to integrated benefits that typical fintech apps cannot match.

What is a conversational agent?

A conversational agent interacts with you using natural, human-like dialogue rather than rigid commands or formal prompts. For a money management platform like WiseOne, this means it acts as your personal financial coach. Instead of scrolling through menus or filling out forms, you can simply ask questions and WiseOne will provide instant, personalized, and easy-to-understand guidance, making your journey to financial freedom feel less like accounting and more like a helpful chat.

Is my financial data secure with WiseOne AI?

With WiseOne, your financial information is protected by the highest standard of a regulated financial institution. We employ bank-level encryption and adhere to the latest industry protocols to help protect your personal and financial information from unauthorized access. We will not share, sell, or otherwise transfer your personal, non-anonymized, or identifiable data to any third-party AI model or service for training, processing, or any other purpose.

Our commitment is simple: Your security is our top priority, and the AI features are built upon a foundation of impenetrable data protection.

Does WiseOne work with all my accounts?

Yes! WiseOne Money Management works with all of your financial accounts (bank accounts, credit cards, 401k and other retirement accounts, stock portfolio, and more).