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Online Services  Open a Consumer Account   | Disclosures
OneUnited Disclosures

Please click the links below to read the OneUnited Bank Online Truth In Savings Disclosures for OneUnited Bank internet products only and the OneUnited Bank Personal Deposit Account Agreement, Privacy Policy and Terms and Conditions ("Disclosures"). Please read these Disclosures carefully. You can print them to refer to in the future. By executing these Disclosures, you consent to the use of this electronic record as required by The Electronic Signatures in Global and National Commerce Act ("E-Sign Act"). Your consent only applies to these Disclosures and may be revoked by terminating your UNITY internet deposit account, or by withdrawing your consent to this electronic disclosure and demanding a non-electronic copy of this Agreement by calling the Bank toll free at (877) One-United or (877) 663-8648, or by writing to the following address: OneUnited Bank, Internet Center, 3683 Crenshaw Blvd., Los Angeles, CA 90016. There is no charge for receiving a non-electronic copy of these Disclosures. By making deposits and withdrawals to the UNITY internet deposit account described in these Disclosures, you demonstrate the ability to access information in the electronic form used to provide this information.

To access and retain your records, your computer system must meet the following requirements: 1) a PC - or Macintosh-compatible computer; 2) internet access; 3) an internet browser. For PC’s using Windows 2000, XP, or Vista: Microsoft Internet Explorer 6.0 or higher; Microsoft Internet Explorer with America Online 9.0 or higher; or Firefox 2.0 and higher. For Macintoshes OSX: AOL for OS X and Safari. Note: OS9 is not supported. To check if your browser is supported, please use our online Browser Compatibility Test.

To update personal information, please visit one of our branches, send a written notice to OneUnited Bank, 3683 Crenshaw Blvd., Los Angeles, CA 90016, Attention: Internet Banking or contact us by clicking here.

OneUnited Bank also has additional disclosures related to online banking, bill pay and funds transfer services. Please read these disclosures below. You will need to agree to these disclosures when you register for these services.

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Important disclosures regarding the FDIC’s Transaction Account Guarantee Program: OneUnited Bank is participating in the FDIC's Transaction Account Guarantee Program. Under this program, the FDIC temporarily provides a full guarantee for deposits held by FDIC insured institutions in noninterest bearing transaction accounts. This coverage became effective on October 14, 2008 and will expire at 11:59 PM EST on December 31, 2010. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC's general deposit insurance rules. OneUnited Bank does not guarantee that its rates for interest bearing checking, money market and IOLTA accounts will not exceed 0.25%, and therefore these accounts are not eligible for TAGP. Please visit the FDIC website for more information on this pro gram (www.fdic.gov)

 

* The interest rate (1.01%) and annual percentage yield (APY) (1.01%) is effective today and has been effective as of July 12th, 2010. $1,000.00 minimum balance to open and $1,000 minimum to earn disclosed APY. All rates are subject to change daily. Interest on CDs is compounded at the end of the term or annually, which ever is shorter. A penalty may be imposed for early withdrawals on all CDs, and fees may reduce earnings on the account. For more information, including how interest is calculated and fees, please review our Online Truth in Savings Disclosures or speak with our Financial Service Representatives. Please call 1-877-One-United or 877-663-8648 for current rate or further detailed information.