Our Impact
How we are closing the wealth gap and fostering generational wealth.
OneUnited Bank is an award-winning Community Development Financial Institution (CDFI) with 50 years of service, using state-of-the-art technology to promote financial literacy.
First bank in the country to offer an AI-driven money management subscription service.
Partners with technology companies to offer digital solutions and featured by corporate partners including a Google case study and customer story, a Candescent case study and an MX case study.
OneUnited Bank, an FDIC insured institution, is unique because of its financial technology platform, which engages with customers in real time to provide personalized data driven insights and proactive solutions to guide, inform and protect their money.
OneUnited secures strategic partnerships to expand financial literacy to build generational wealth.
Offers its AI-driven solution, WiseOne Insights, a revolutionary financial wellness companion and a groundbreaking AI-driven tool designed to guide, inform, and protect individuals by expanding financial literacy.
Provided unique technological driven affordable access financial services to over 100,000 new customers since 2021. Services include over 10,000 small dollar loans to mitigate usage of expensive payday loans.
As a certified Community Development Financial Institution (CDFI), over 60% of the Bank’s affordable rental housing (multifamily) loan originations were in low to moderate income (LMI) communities that are also 80% or more minority. $0 loan losses in over 12 years.
Continues to promote financial literacy to build generational wealth by offering free financial literacy tools including free online financial education, OneTransaction podcasts and financial literacy contests for youth.
Supported the purchase of a HQ building in Roxbury for BECMA, joined the Partnership for Miami to build a city that works for all, and advocated with the 79th Street Corridor Initiative for a holistic approach to developing Poinciana.
Originated over 2,000 financial emergency loans nationwide in 2025 and over 10,000 since launch to low-to-moderate income customers through its CashPlease small dollar, short term loan program, with no credit check.
In a “frozen” real estate market, affordable rental housing loans originated with over 60% in low to moderate income (LMI) communities that are also 80% or more minority. $0 loan losses in over 12 years.
Invested in organizations that generated loans, training and back office support for small businesses including BECMA and the Miami Dade Chamber of Commerce.
Generated and retained over $260 million in mission-driven deposits from major corporations and municipalities to support loan growth and minimize borrowings.
Retained and added corporate relationships with mission driven deposits and expanded relationships with JP Morgan and Citi Bank.
Featured by corporate partners for state-of-the-art technology and success with digital adoption including a Google case study and customer story, a Candescent case study and an MX case study.
Achieved high ratings and reviews for customer service delivery including a 4.6 out of 5 and an A+ rating on BBB and 4.7 in the Apple App Store and 4.5 in Google Play.
Building national consensus to use financial literacy to close the wealth gap including requiring financial literacy courses in schools. Included in almost 200 articles reaching over 11 million viewers.
Massachusetts is the most recent state to adopt financial literacy requirements for HS students.
Successfully repositioned OneUnited Bank to promote financial wellness, while offering exclusive and state-of-the-art digital banking solutions.
Supported numerous community groups to support economic development including the Mass Black Expo, the Miami Dade Chamber of Commerce and Watts of Power Foundation.
First bank in the country to offer an AI-driven money management subscription service.
Launched WiseOne, a state-of-the-art AI-driven conversational money management platform built with Google Gemini. Links financial accounts and includes a personal financial AI assistant, wealth and credit-building tools, and more.
Partnered with Google to implement the WiseOne Financial Wellness Assistant built with Google Gemini. This AI-driven conversational money management tool provides guidance to save money and build financial wealth.
Offers largest surcharge free ATM network (100,000+) including Chase and Citibank branches, peer-to-peer payment service (Money Moves) and digital card issuance (Card Command) to provide improved services to customers.
Continued digital transformation by launching Google Workspace to improve employee collaboration.
Enhanced new website on Google Cloud platform, using best practices for accessibility and improving customer experience (UX).
Completed third annual Employee Team Survey. 90% of employees are satisfied – highly satisfied with their jobs.
37% of employees have been with OneUnited for 10 years or more and 21% for 20 years or more.
Welcomed 15 new hires including 2 new Banker Associates into our Management Development Program and 11 Interns into our Internship Program.
Completed first year of the Financial Wellness Benefits Program for OneUnited Bank employees, including rewards for saving and to promote financial literacy, along with a safety net for financial emergencies. Over 50% of employees participated.
Enhanced Quality Assurance (QA) process with Gemini AI to evaluate the Bank’s customer service performance and identify training needs. Customer Care has been receiving A ratings.
Celebrated employees who have been with the Bank for 5 to 35 years. 37% of employees have been with OneUnited Bank for 10 years or more and 21% for 20 years or more! Provide Certificates of Service and gifts.
As a Community Development Financial Institution (CDFI), OneUnited Bank remains steadfast in its commitment to closing the wealth gap and fostering generational wealth. Innovative technological advancements, impactful financial literacy initiatives, and strategic partnerships have positioned us to continue driving meaningful change.
With the support of our customers, partners, and dedicated team, we are building a brighter, more equitable future – one where everyone has the tools and resources they need to achieve financial wellness and stability. At OneUnited Bank, our mission goes beyond banking; it’s about creating lasting social and economic opportunities for all generations to come.
To learn more about OneUnited Bank, schedule a meeting.
Email: [email protected]
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