Get Wise Personal Deposit Products

Get deposit products with our innovative suite of banking services to better meet your needs.

Business And Finance Concept Of Day Trading

Simply complete this form to open an account with us today!

Discover the OneUnited Difference.

Already have an account? Log in

Product Choices

Secure, online deposit products. Yes… banking today is so convenient!

Internet Products

**For any month you have at least one direct deposit and conduct a minimum of 10 debit card point-of-sale (POS) withdrawals that appear on your statement as completed transactions during the month, the monthly Maintenance Service Charge Membership Fee will not be charged for that month. An Electronic Funds Transfer (EFT) credit counts as a direct deposit.

*** For any month you have at least one direct deposit during the month, the monthly Maintenance Service Charge Membership Fee will not be charged for that month. An Electronic Funds Transfer (EFT) credit or an AutoSave deposit transfer count as a direct deposit.

See Disclosures for more details

Account TypeMinimum Deposit to OpenMinimum Balance to Earn Annual Percentage Yield (APY)Minimum Balance to Avoid Maintenance Services Charges
U2 E-Checking (2nd Chance*)$25N/AN/A
Black Wall Street Checking$25N/AN/A
UNITY E-Gold Checking$500$100$1,000**
BankBlack Savings$25$200$200***
UNITY E-Gold Savings$1,000$1,000$1,000
UNITY Gold 120 Day E-CD$500$500N/A
UNITY Gold One Year E-CD$500$500N/A
UNITY 15 Month E-CD$500$500N/A
UNITY Gold Two Year E-CD$500$500N/A

Yes… we have an affordable checking account that’s right for you!

Checking

* A second chance checking account for people with ChexSystems records.

**For any month you have at least one direct deposit and conduct a minimum of 10 debit card point-of-sale (POS) withdrawals that appear on your statement as completed transactions during the month, the monthly Maintenance Service Charge Membership Fee will not be charged for that month. An Electronic Funds Transfer (EFT) credit counts as a direct deposit.

¹ U2 Checking customers are required to open a UNITY Holiday Club Savings.

Account TypeMinimum Deposit to OpenMonthly Maintenance Service Charge Membership FeesMinimum Balance to Earn Annual Percentage Yield (APY)Minimum Balance to Avoid Maintenance Services Charges
U2 E-Checking (2nd Chance*)$25$12.00N/AN/A
Black Wall Street Checking$25N/AN/AN/A
UNITY E-Gold Checking$500$20.00$100$1,000**
UNITY Gold Checking$50$20.00$100$5,000
UNITY MyStyle Checking$50$12.00N/A$500**
UNITY Silver Checking$50N/AN/AN/A
U2 Checking* ¹$50$12.00N/AN/A

With our savings accounts, you can actually save money!

Savings

* Membership eligible accounts.

**For any month you have at least one direct deposit during the month, the monthly Maintenance Service Charge Membership Fee will not be charged for that month. An Electronic Funds Transfer (EFT) credit or an AutoSave deposit transfer count as a direct deposit.

Account TypeMinimum Deposit to OpenMonthly Maintenance Service Charge Membership FeesMinimum Balance to Earn Annual Percentage Yield (APY)Minimum Balance to Avoid Maintenance Services Charges
BankBlack Savings$25$5.00$200$200**
UNITY Youth Savings*$10N/A$10N/A
UNITY Savings$100$5.00$200$200
UNITY Plus Savings$100$5.00$100$400
UNITY Holiday Club Savings$10N/A$10N/A
UNITY E-Gold Savings$1,000$5.00$1,000$1,000

Our money market accounts do not “move” with “the market”! We’re a bank that is FDIC insured, not a broker.

Money Market

 
Account TypeMinimum Deposit to OpenMonthly Maintenance Service Charge Membership FeesMinimum Balance to Earn Annual Percentage Yield (APY)Minimum Balance to Avoid Maintenance Services Charges
UNITY Money Market$500$12.00$500$500

Certificate Of Deposit (CD)

See OneUnited Bank Truth in Savings Disclosures or OneUnited Bank Business Account Disclosures in our branches or our Online Truth in Savings Disclosures for more details.

Check out the FDIC Interactive Deposit Insurance Calculator to obtain accurate information to maximize your FDIC insurance coverage.

Account TypeMinimum Deposit to OpenMonthly Maintenance Service Charge Membership FeesMinimum Balance to Earn Annual Percentage Yield (APY)Minimum Balance to Avoid Maintenance Services Charges
Unity Gold E-CD$500N/A$500N/A

Access TheOne Digital Banking Solutions In Our App

Calendar icon

Get Paid Early

Get your paycheck up to two days earlier than your coworkers.

mail envelope

Move Money Easily

Send payments in realtime, without delay - not in an hour or a day - but right away!

Mircochip icon

Build Wealth with New Technology

Access AI driven personalized insights and instant alerts 24/7 with WiseOne™ Insights.

Pie chart icon

Master Money Management

See every account in one place with Money Management.

Profit shield icon

Save Simply, Save More

Watch your savings grow and achieve your financial goals faster.

Icon Loan No Credit Check

Get a Loan, No Credit Check

Say goodbye to payday loans and hello to more affordable quick cash.

Cash icon

Get Cash Locally

Access the Nation's largest surcharge-free ATM network, 100,000+ locations.

Rebuild Your Credit

Build or re-build your credit with no minimum credit score.

It takes 5-minutes to start elevating your finances

See exactly where you’re spending money, how you’re achieving and how you can improve.