Introducing the OneUnited Empowerment Network!

Introducing our empowerment united network.

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:

A close up of a logo.


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!



[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.


Elevate your finances with insights, because we all need answers. Sign up today!

Discover the OneUnited Difference.

Already have an account? Log in

Recent Articles

A woman sits at a table with a laptop, tax documents, and a cup of tea, holding a phone and smiling, appearing to celebrate or receive good news.
Financial Wellness

Filing Your Taxes with Ease

SummaryTax season doesn’t have to be stressful! With a little preparation and the right approach, you can tackle your taxes efficiently and even maximize your

A person holds a smartphone showing the FDIC-insured OneUnited Bank login screen.
Financial Wellness

With Us You Are FDIC-insured

SummaryIn case of a crisis, your money should be secure—backed by the full faith and credit of the U.S. government. Banking at FDIC-insured financial institutions

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.