oneunited bank - Articles - Exquisite Podcast Radio Network2024-03-29T09:09:17Zhttps://exquisitepodcastradionetwork.ning.com/articles/feed/tag/oneunited+bankBoost Your Business with These 5 Game-Changing Tips!https://exquisitepodcastradionetwork.ning.com/articles/boost-your-business-with-these-5-game-changing-tips2023-12-08T23:00:00.000Z2023-12-08T23:00:00.000ZExquisite Conglomeratehttps://exquisitepodcastradionetwork.ning.com/members/ExquisiteConglomerateCommunicationsLLC<div><img src="https://storage.ning.com/topology/rest/1.0/file/get/12311379653?profile=RESIZE_180x180&width=118"></div><div><p style="text-align:center;"><a href="https://www.oneunited.com/core/content/uploads/2023/12/2023-Q4-DEC-Featured-Blog-Image-Boost-Business-MB-1024x768.webp" target="_blank"><img class="align-center" src="https://www.oneunited.com/core/content/uploads/2023/12/2023-Q4-DEC-Featured-Blog-Image-Boost-Business-MB-1024x768.webp?profile=RESIZE_584x" width="500" alt="2023-Q4-DEC-Featured-Blog-Image-Boost-Business-MB-1024x768.webp?profile=RESIZE_584x" /></a></p>
<p>Ready to learn how to navigate the financial side of your business like a pro? We’ve got you covered! Starting a business is thrilling, but sorting out the finances can seem like a never-ending struggle. Don’t you fret—We‘ve got 5 tips that’ll make everything a whole lot easier.</p>
<h5><br />1. Stay Professional: Open a Business Bank Account</h5>
<p>First things first: separate your business funds from your personal finances. Then, deposit your business finances into a business bank account. Not only does this simplify keeping track of business income and expenses, but it also helps with maintaining an accurate audit trail, looking legitimate to clients, and keeping things professional.</p>
<p>For customers with established businesses in Massachusetts, California, and Florida interested in opening a business bank account, swing by one of our branch locations and let’s get you set up!</p>
<h5>2. Stay on Track: Track Your Business Income and Expenses</h5>
<p>This plays a huge role in running your business smoothly! Keeping an eye on what’s coming in and going out gives you the power to plan ahead, act fast, and gauge if your business is performing successfully.</p>
<p>When tax season rolls around, you won’t be stuck or scrambling, because you’ll already have all the necessary information prepped and ready to go. Trust me, this is a game-changer! It saves you from that tax-time panic and keeps everything in order.</p>
<p>Tap into the power of AI with <a href="https://www.oneunited.com/wiseone/">WiseOne Insights</a> for confidential insights that will help you track your income and expenses, make guided financial decisions, and elevate your finances.</p>
<p style="text-align:center;"><a href="https://www.oneunited.com/core/content/uploads/2023/12/2023-Q4-DEC-Blog-Image-2-Boost-Business-MB-1024x629.jpg" target="_blank"><img class="align-center" src="https://www.oneunited.com/core/content/uploads/2023/12/2023-Q4-DEC-Blog-Image-2-Boost-Business-MB-1024x629.jpg?profile=RESIZE_584x" width="500" alt="2023-Q4-DEC-Blog-Image-2-Boost-Business-MB-1024x629.jpg?profile=RESIZE_584x" /></a></p>
<h5>3. Stay Paid: Pay Yourself First</h5>
<p>Yep, you heard it right! Prioritize paying yourself to keep everything running smoothly. It’s not just about the business; it’s about taking care of yourself too. Set aside some cash for savings and emergencies, then watch your stress levels drop.</p>
<p style="text-align:center;"><a href="https://www.oneunited.com/core/content/uploads/2023/12/2023-Q4-DEC-Blog-Image-1-Boost-Business-MB-873x1024.webp" target="_blank"><img class="align-center" src="https://www.oneunited.com/core/content/uploads/2023/12/2023-Q4-DEC-Blog-Image-1-Boost-Business-MB-873x1024.webp?profile=RESIZE_584x" width="500" alt="2023-Q4-DEC-Blog-Image-1-Boost-Business-MB-873x1024.webp?profile=RESIZE_584x" /></a></p>
<h5>4. Stay Ready: Setup Automatic Fixed Payments</h5>
<p>Now, let’s talk automation. Set up automatic payments for your bills and client invoices. Why? It saves you time, helps avoid those pesky late fees, and keeps your cash flow consistent. You’ll thank yourself later for this one.</p>
<h5>5. Stay Alert: Monitor Your Accounts Regularly</h5>
<p>Last but not least, watch your business accounts and finances like a hawk. Regularly peeking at your transaction history and setting up alerts helps you stay on top of things, detect potentially fraudulent activity, and protect your hard-earned money.</p>
<p>We’re all about supporting and uplifting our communities one business at a time. Let’s create a legacy together and reach those financial goals!</p>
<p> </p></div>Two Histories, One Nation: The Intersection of Black and Indigenous Legacieshttps://exquisitepodcastradionetwork.ning.com/articles/two-histories-one-nation-the-intersection-of-black-and-indigenous2023-11-10T21:00:00.000Z2023-11-10T21:00:00.000ZExquisite Conglomeratehttps://exquisitepodcastradionetwork.ning.com/members/ExquisiteConglomerateCommunicationsLLC<div><img src="https://storage.ning.com/topology/rest/1.0/file/get/12289663073?profile=RESIZE_180x180&width=118"></div><div><p style="text-align:left;"><a href="https://ci6.googleusercontent.com/proxy/ez9w-nqQ7KcanE3SVvzvzetOhEDScZtSGL3LRaucDtTqHJayCxlK8X56wm7Uraz2h_svwCSYuQZEgXZdoCnlY2P67CLgnG7qqFNWhBc8qcQFVCEFT36i4a99AyRHkd0HaZdW9U2uZxy5wkXTWUI0MoC9ooaYLIs=s0-d-e1-ft#https://image.mail.oneunited.com/lib/fe9113727c67047e73/m/1/71378233-beb7-424e-b6ed-8c841395ce0a.png" target="_blank"><img class="align-center" src="https://ci6.googleusercontent.com/proxy/ez9w-nqQ7KcanE3SVvzvzetOhEDScZtSGL3LRaucDtTqHJayCxlK8X56wm7Uraz2h_svwCSYuQZEgXZdoCnlY2P67CLgnG7qqFNWhBc8qcQFVCEFT36i4a99AyRHkd0HaZdW9U2uZxy5wkXTWUI0MoC9ooaYLIs=s0-d-e1-ft#https://image.mail.oneunited.com/lib/fe9113727c67047e73/m/1/71378233-beb7-424e-b6ed-8c841395ce0a.png?profile=RESIZE_584x" width="500" alt="71378233-beb7-424e-b6ed-8c841395ce0a.png?profile=RESIZE_584x" /></a></p>
<h1 style="text-align:center;"><a title="Intertwined Histories: Black & Indigenous Legacies" href="https://click.mail.oneunited.com/?qs=8ff1db422d8b6b9cd0725fd6248cc81c0c688eb7bbe68fb809fc4e30d035242b0de9b9196f4e7e9d85c33ce8cb9c9a08a391ad30d67050981e6e9d0e8000c69b" target="_blank">Intertwined Histories: Black & Indigenous Legacies</a></h1>
<p style="text-align:center;">Let's embark on a captivating journey through history and explore the connection between Black and Indigenous communities in the U.S. Click <u><strong><a title="HERE" href="https://click.mail.oneunited.com/?qs=8ff1db422d8b6b9c58587a580fadc78305c16cd69a444cb53dcd90dc8de726cc2c7cb90114929a9a7433d9d3d038c75b7da5561426075487d9abb9283082eb3e" target="_blank">HERE</a></strong></u> to learn more about this forgotten history!</p>
<p style="text-align:center;">For Native American Heritage Month, we're unveiling where past and present converge, and embracing our ancestors' stories to help us to shape tomorrow!</p>
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<td style="text-align:center;height:16px;" bgcolor="#F6AC1A"><a title="Elevate Your Finances!" href="https://click.mail.oneunited.com/?qs=8ff1db422d8b6b9c1f9d756e81a7fdaaf1f05bc8f9197f67da61de73a5d10930b53963fc1c7a49c7b5fa9b4ff26135d3f0bdcd272ad7139522ac86df27a2ee70" target="_blank"> Elevate Your Finances!</a></td>
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<p style="text-align:center;"><em>We're proud to be the nation's largest Black-owned bank AND to be designated a Community Development Financial Institution (CDFI) by the US Department of Treasury based on <u><a title="2022 Scorecard" href="https://click.mail.oneunited.com/?qs=8ff1db422d8b6b9cc1b47395bc20cd1aaf28b41cdc31f8c25ec7e222e0c2b164b10fced9029257b46102278b022ad0db04eec6e161755ac37e021f9a6da906e6" target="_blank">our track record</a></u> for community development. We matter and your money matters. Spread the word!</em></p>
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Join Our Community. Let Your Voice Be Heard.
<p style="text-align:center;">Become part of our ever-growing social communities on Facebook, IG, Tiktok and Twitter. Join in the conversation around building Black economic power in America!</p>
<p style="text-align:center;"><a href="https://xdc.limo/oneunitedblackcard.blackstarfund.xdc" target="_blank">GET THE BLACK CARD HERE</a></p>
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</table></div>Save More, Stress Less: 3 Ways to Avoid Fees When You #BankBlack!https://exquisitepodcastradionetwork.ning.com/articles/save-more-stress-less-3-ways-to-avoid-fees-when-you-bankblack2023-09-22T22:00:00.000Z2023-09-22T22:00:00.000ZExquisite Conglomeratehttps://exquisitepodcastradionetwork.ning.com/members/ExquisiteConglomerateCommunicationsLLC<div><img src="https://storage.ning.com/topology/rest/1.0/file/get/12230087100?profile=RESIZE_180x180&width=118"></div><div><p><a href="{{#staticFileLink}}12230093455,RESIZE_180x180{{/staticFileLink}}"><img class="align-full" src="{{#staticFileLink}}12230093455,RESIZE_180x180{{/staticFileLink}}" alt="12230093455?profile=RESIZE_180x180" width="176" /></a></p>
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<h1><a title="Your Guide to a Fee-Free Financial Future" href="https://click.mail.oneunited.com/?qs=870300c5ef6276eba6e4ee480c66f28e6d6c4ca90eff64678673a0f8a854943803d4d50b9756ed87d047aaa0aacc06c695e9b4e3550979d521d124fea596cdc1" target="_blank">Your Guide to a Fee-Free Financial Future</a></h1>
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<p><em>We're proud to be the nation's largest Black-owned bank AND to be designated a Community Development Financial Institution (CDFI) by the US Department of Treasury based on <u><a title="2022 Scorecard" href="https://click.mail.oneunited.com/?qs=870300c5ef6276ebb2934b9f506d2b390e101d6b97acd85767bd64a6fac6860e554fa041ec8e5e74aa743c139282d01d5e24d2f05f058d3910ad90e94ca54268" target="_blank">our track record</a></u> for community development. We matter and your money matters. Spread the word!</em></p>
<p><span style="font-size:12pt;"><strong><em>Join Our Community. Let Your Voice Be Heard.</em></strong></span></p>
<p>Become part of our ever-growing social communities on Facebook, IG, Tiktok and Twitter. Join in the conversation around building Black economic power in America!</p>
<p><span style="font-size:12pt;"><strong>Get the #OneUnitedBlackCard <a href="https://xdc.limo/oneunitedblackcard.blackstarfund.xdc">oneunitedblackcard.blackstarfund.xdc</a></strong></span></p>
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<td><a href="https://click.mail.oneunited.com/?qs=870300c5ef6276ebb319c08319768c8667f04d23d759cde528753f17a923a6e9e9053ceea5f04e167360f7964713728d1a0685e3eff4d8f8" target="_blank">YouTube</a></td>
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<td><a href="https://click.mail.oneunited.com/?qs=870300c5ef6276eb0760f873634257d1cde41bb201b1b7d7042df6e4f74b422bc332cb702040ba2650355d5004ed518a6c2075b069e1a713" target="_blank"><img class="CToWUd" src="https://ci5.googleusercontent.com/proxy/DxUd21WCJdbm2APkeyO7EkgqKDXF0WOXVWyW17sLd6baskpjsyQ4gAPBe_IJtcGEr45D57oCMKOkZBpA4G3zmWyb22pZ8SjMfVv0MgVHSo2YZy7nGdEshAIzokZzdf4nHZmoZjLd4okHYwZiWqpjaw=s0-d-e1-ft#https://image.s4.exct.net/lib/fe911573736c007d7d/m/2/f071eec4-5672-4190-b5c4-03c64fd3f5bd.png" alt="Twitter" width="24" height="24" /></a></td>
<td><a href="https://click.mail.oneunited.com/?qs=870300c5ef6276eb0760f873634257d1cde41bb201b1b7d7042df6e4f74b422bc332cb702040ba2650355d5004ed518a6c2075b069e1a713" target="_blank">Twitter</a></td>
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<h2>Check out the OneTransaction Podcast</h2>
<p><strong>SUBSCRIBE</strong> to our free, highly rated OneTransaction Podcast to get actionable insights on homeownership, credit building, investments & savings, wills, life insurance, and more!</p>
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<td align="center"><a title="Listen to OneTransaction Podcast on Apple Podcasts" href="https://click.mail.oneunited.com/?qs=a316259e41401aa55fcf82e56dc84ddec71f00ef976833ff71d0f09f80ca98ae4e6800104e0958e864cb4f31918134fbab2ff9e3b4c01348773e99c4ce5b139f" target="_blank"><img class="CToWUd" src="https://ci3.googleusercontent.com/proxy/n7Po-TioIpG8zlEVb_dewq1_kv7T4uQOaeFEYVVC1RZdjDXQRfP89XilipPdqXdLIIU8AOPUKDrwpEHLRnEcsrC9H-R0kcwcz17tw7x-CA1kGmn6t0wWhzKHch5tu83J259QWwDDqrLmUGrulukmYwrnVuG9kiw=s0-d-e1-ft#https://image.mail.oneunited.com/lib/fe9113727c67047e73/m/1/8bcde197-d56f-4a1e-9206-77a5926cf8fb.png" alt="Listen to OneTransaction Podcast on Apple Podcasts" width="170" height="42" /></a></td>
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<td align="center"><a title="Listen to OneTransaction Podcast on Google Podcasts" href="https://click.mail.oneunited.com/?qs=a316259e41401aa59c8db9a712636acd38484ce0ceb943f93ef3080212dd04037c0b062f27c977fee5316b7c048a70f41861d11e4c9c888a897c220dedb2e461" target="_blank"><img class="CToWUd" src="https://ci6.googleusercontent.com/proxy/BZufDo2Yuo2xM0zGS2Rl2g1_w1jSgfvhb6iH41KVQIImo5xf7GQSFF1nxBXsHLkKJ9XpN5CiDcnNfL1r0XuvrVbNw0UjZjqzj4rwHvkMbx8h_1Hbh1Mt6adhmYQH0J7E9ZTNustdT1hbrDwOCiwTyrMVh0hgHgY=s0-d-e1-ft#https://image.mail.oneunited.com/lib/fe9113727c67047e73/m/1/a288e9a8-90a2-4df6-b7ef-8821f9fe7875.png" alt="Listen to OneTransaction Podcast on Google Podcasts" width="170" height="43" /></a></td>
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<td align="center"><a title="Listen to OneTransaction Podcast on Audible" href="https://click.mail.oneunited.com/?qs=a316259e41401aa53785a622380b177a7b2b62df2aec4b183fd652a343a083792d561922185c64445c628c4272a9597ac5bd2a52b49be41966f0a9222c51a7ec" target="_blank"><img class="CToWUd" src="https://ci4.googleusercontent.com/proxy/rKo-_3w1GOmFFkFMNcs7wO_qfdkhqKQ6hIjUfnfRUDoYseBMcD0DjdRd3KHlMkn_n43lJSS7_xpVDXTEfx-xYOQKj6b7iLHA1UATlWOAgexlD3qxpGHV8M9BMJDv8SbqAr3pu5yHwn-efGCdit2o8984-rfLiqI=s0-d-e1-ft#https://image.mail.oneunited.com/lib/fe9113727c67047e73/m/1/c7f03b44-adb9-4442-8f43-7ee90c331fed.png" alt="Listen to OneTransaction Podcast on Audible" width="170" height="43" /></a></td>
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<p> </p>
<p> </p></div>7 Side Hustles for College Students!https://exquisitepodcastradionetwork.ning.com/articles/7-side-hustles-for-college-students2023-09-15T12:00:00.000Z2023-09-15T12:00:00.000ZExquisite Conglomeratehttps://exquisitepodcastradionetwork.ning.com/members/ExquisiteConglomerateCommunicationsLLC<div><img src="https://storage.ning.com/topology/rest/1.0/file/get/12224311486?profile=RESIZE_180x180&width=118"></div><div><p><a href="https://ci5.googleusercontent.com/proxy/H7xdrnvVzuofjZ34YVI-WZIMDdl2OqeMCH3KgPIKejUSfFQl0PMqW36vEySgdQ49thpodwmzxNQmItSXRao6EpQ93BE_L74xVw-f0I-9AQQ3psFcSJHRiv_zgGsbo_nhEVFo9RuIoWIbEsKb5sbbLhayR3huqhU=s0-d-e1-ft#https://image.mail.oneunited.com/lib/fe9113727c67047e73/m/1/da47271f-8919-4f2f-87f1-c19abde3cde0.png" target="_blank"><img class="align-center" src="https://ci5.googleusercontent.com/proxy/H7xdrnvVzuofjZ34YVI-WZIMDdl2OqeMCH3KgPIKejUSfFQl0PMqW36vEySgdQ49thpodwmzxNQmItSXRao6EpQ93BE_L74xVw-f0I-9AQQ3psFcSJHRiv_zgGsbo_nhEVFo9RuIoWIbEsKb5sbbLhayR3huqhU=s0-d-e1-ft#https://image.mail.oneunited.com/lib/fe9113727c67047e73/m/1/da47271f-8919-4f2f-87f1-c19abde3cde0.png?profile=RESIZE_584x" width="500" alt="da47271f-8919-4f2f-87f1-c19abde3cde0.png?profile=RESIZE_584x" /></a></p>
<h1 style="text-align:center;"><a title="Earn Cash in College with Ease!" href="https://click.mail.oneunited.com/?qs=61fee4aefaa922100d74e0bf1e67b5d9ef6d599a499be5f56d85ecb30e6984623eda1cedfbcca4f461abb8c4a2e6cd579ba09d754c94af05c9a79c02c866c8ac" target="_blank">Earn Cash in College with Ease!</a></h1>
<p style="text-align:center;">As many of us know, college is a time when the financial struggle is real. Click <u><strong><a title="HERE" href="https://click.mail.oneunited.com/?qs=61fee4aefaa922107e2c570ce3a3bb71bf63d283f105c97772e1089ee2afb91313b3a65bd22f76235db6803629619985ebf8ae95240c58bed484af55195f046b" target="_blank">HERE</a></strong></u> for 7 side hustles to earn cash in college!</p>
<p style="text-align:center;">From flexible gigs to entrepreneurial ventures that tap into one's skills and passions, there's an abundance of opportunities for college students to boost their bank accounts with ease. </p>
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<td bgcolor="#F6AC1A"><span style="font-size:18pt;"><strong><a title="MONEY MOVES" href="https://click.mail.oneunited.com/?qs=61fee4aefaa92210c2f3319292c70e1c062d0414181ba5236e21aeed59b90d41dc082d43bcf08cb8b881aa625e8a72fc04c366db64be10627709635670ac4f70" target="_blank">Learn More</a></strong></span></td>
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<p style="text-align:center;"><em>We're proud to be the nation's largest Black-owned bank AND to be designated a Community Development Financial Institution (CDFI) by the US Department of Treasury based on <u><a title="2022 Scorecard" href="https://click.mail.oneunited.com/?qs=61fee4aefaa922103e12f94c4302b08b21d058e53bf6bf6978e5c5a8f98832a1a5fee5278a2489cffe279faf3a8b30dc29e287030af122612e32e9123f8d4d3e" target="_blank">our track record</a></u> for community development. We matter and your money matters. Spread the word!</em></p>
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<td style="text-align:center;">Join Our Community. Let Your Voice Be Heard.
<p style="text-align:center;">Become part of our ever-growing social communities on Facebook, IG, Tiktok and Twitter. Join in the conversation around building Black economic power in America!</p>
<p style="text-align:center;">Get The Black Card Today!</p>
<p style="text-align:center;"><span style="font-size:14pt;"><strong><a href="https://xdc.limo/oneunitedblackcard.blackstarfund.xdc" target="_blank">GO HERE</a></strong></span></p>
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<td><a href="https://click.mail.oneunited.com/?qs=61fee4aefaa92210d22f4b4fcfe64fb44123c1054780f85132d12a4655300e2367fd74ccebc35bd754270df9cef86b6ddbb1c18b0e0df099" target="_blank"><img class="CToWUd" src="https://ci4.googleusercontent.com/proxy/5eQ3OYJnZYaM03f3c7xIAWmmBBeuS0lsoLkUT3mdhqAS8g10S0clMWy_t4z3erDiYmKX_cyK0c7wy8RGKpV7NvUdOZ7tfIdG5lBIt_J_iVzT51Q6PPEwGlYzT_KoDO4XF97lM3GdCuNxajqVt_o10g=s0-d-e1-ft#https://image.s4.exct.net/lib/fe911573736c007d7d/m/2/e76b988d-8feb-4d15-b8d9-1ccf4bee17cd.png" alt="Facebook" width="24" height="24" /></a></td>
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<td><a href="https://click.mail.oneunited.com/?qs=9d8c912b52c784caff92cd79c3204c081b9306d12701fdd3c7575ac208a18058949afdbf940a0d695599c56ef86b222704b1f2a3fb88e5ff" target="_blank"><img class="CToWUd" src="https://ci5.googleusercontent.com/proxy/OK_YP2yqMmKsx8VnqUmqFNFaGC6YSvpUHtW8dyvK1-UmO0Mp6A7SuW6DOzfB6rm-zcAC4u8i1gSt4alAM2Vb01-qt_CPqOjuvLXlWg-QAM1VksyGX_BlttIqNIq2xJsX7gx1hgZGQTkP9C27f3iQiQ=s0-d-e1-ft#https://image.s4.exct.net/lib/fe911573736c007d7d/m/2/a52c2f3b-22ab-4dfc-ad5e-c4b50bec5650.png" alt="Instagram" width="24" height="24" /></a></td>
<td><a href="https://click.mail.oneunited.com/?qs=9d8c912b52c784caff92cd79c3204c081b9306d12701fdd3c7575ac208a18058949afdbf940a0d695599c56ef86b222704b1f2a3fb88e5ff" target="_blank">Instagram</a></td>
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<td><a href="https://click.mail.oneunited.com/?qs=9d8c912b52c784ca659b6a28385e2dc0f259badd0a215dfc1857a9d6bfd68fc3a490dc44246016064ba7093d8d9e980b1f472e046c5dcdf8" target="_blank"><img class="CToWUd" src="https://ci6.googleusercontent.com/proxy/4utyeQ7RjwNfO4IwzsIrHOO7J4YZXX7TuReAluZc7j58BhaT7osA-9RbrBG7Usn8ibHQe340opgUwsOHBu03KXclBEBdFjf-kGiSIHdHsbizBvKaOYCWneecTE5IjblRpAuwUvg07YQ-r0pibq0M9A=s0-d-e1-ft#https://image.s4.exct.net/lib/fe911573736c007d7d/m/2/cda3af82-7aa0-4d2d-983b-66d71f7765a6.png" alt="YouTube" width="24" height="24" /></a></td>
<td><a href="https://click.mail.oneunited.com/?qs=9d8c912b52c784ca659b6a28385e2dc0f259badd0a215dfc1857a9d6bfd68fc3a490dc44246016064ba7093d8d9e980b1f472e046c5dcdf8" target="_blank">YouTube</a></td>
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<td><a href="https://click.mail.oneunited.com/?qs=9d8c912b52c784cac515baf9fab56008eb02458da9e04d9239f1a457f9ca68057bb3f570d690a82e827a0da0b1f2f1aa728ef2f3219f57a0" target="_blank"><img class="CToWUd" src="https://ci5.googleusercontent.com/proxy/DxUd21WCJdbm2APkeyO7EkgqKDXF0WOXVWyW17sLd6baskpjsyQ4gAPBe_IJtcGEr45D57oCMKOkZBpA4G3zmWyb22pZ8SjMfVv0MgVHSo2YZy7nGdEshAIzokZzdf4nHZmoZjLd4okHYwZiWqpjaw=s0-d-e1-ft#https://image.s4.exct.net/lib/fe911573736c007d7d/m/2/f071eec4-5672-4190-b5c4-03c64fd3f5bd.png" alt="Twitter" width="24" height="24" /></a></td>
<td><a href="https://click.mail.oneunited.com/?qs=9d8c912b52c784cac515baf9fab56008eb02458da9e04d9239f1a457f9ca68057bb3f570d690a82e827a0da0b1f2f1aa728ef2f3219f57a0" target="_blank">Twitter</a></td>
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<p> </p>
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</table></div>ATTENTION: Summer School is in Session!https://exquisitepodcastradionetwork.ning.com/articles/attention-summer-school-is-in-session2023-08-22T20:00:00.000Z2023-08-22T20:00:00.000ZExquisite Conglomeratehttps://exquisitepodcastradionetwork.ning.com/members/ExquisiteConglomerateCommunicationsLLC<div><img src="https://storage.ning.com/topology/rest/1.0/file/get/12202197075?profile=RESIZE_180x180&width=118"></div><div><table border="0" width="600" cellspacing="0" cellpadding="0" align="center">
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<td align="left"><a href="https://click.mail.oneunited.com/?qs=ae720d824fa68a1c34a8ee0320188102e9db5f5da017cab82ed42cbf5e50d1220d15eb9a87cad9afd186668f441430218a37962853ed5d2cd863f9a5e12f9a3f" target="_blank"><img class="align-center" src="https://ci5.googleusercontent.com/proxy/PmKWr-D9fIY5xi36rYJrzDxrQ4DSonmccAKtegDwFnr-2ilBAtFYxaE6C7Wcig9hv452kEBOhXQ2owl2lTF7RO5isIPtFd7jJUR0mLYFrnPglZqcp0kw-lPPXyeB7IuXs351pECJgAWUr89gSAPGSBq3tNBKaDA=s0-d-e1-ft#https://image.mail.oneunited.com/lib/fe9113727c67047e73/m/1/c914a84f-2a1e-45d7-ab3d-fa144d1e4db9.png?profile=RESIZE_400x" width="400" alt="c914a84f-2a1e-45d7-ab3d-fa144d1e4db9.png?profile=RESIZE_400x" /></a></td>
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<h1><a title="Tune Into Our #FinanciallyLIT Playlists!" href="https://click.mail.oneunited.com/?qs=ae720d824fa68a1c89b78bb6ce6155b80ec1019a5964cd0f6fc5a6e6ab2a62517ac3ce449cfdabc8b164bf0c4ccad0f0ffa228c5e54646a98a109171a4e19c7b" target="_blank">Tune Into Our #FinanciallyLIT Playlists!</a></h1>
<p>or most students, college is a time of scrimping, saving, and struggling to allocate funds for needs <strong>and</strong> wants. Click <u><strong><a title="HERE" href="https://click.mail.oneunited.com/?qs=ae720d824fa68a1c6602de6933f51dd2080fbf29f1236aecb802d629f6cf6fafa7f897965f722b17e89c853357fce2592108e661dc1fce6061d6d82a54e97754" target="_blank">HERE</a></strong></u> to get #FinanciallyLIT and maximize your money with the start of a playlist!</p>
<p>We’ve curated our top three programs for college students in our Financial Education Center to help you achieve your money goals. School is officially in session!</p>
<p><span style="font-size:14pt;"><strong>Get the ONe United Bank Black Card <a href="https://www.oneunited.com/referral/?MCL14" target="_blank">HERE</a></strong></span></p>
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<td bgcolor="#F6AC1A"><a title="MONEY MOVES" href="https://click.mail.oneunited.com/?qs=ae720d824fa68a1cdc0827508efa9e560ed39a97acaec06d0bbec07d299df892eeac9a5b579f6f44942efbfc065162830c8142a16f03bd3c73c4d223a16c396d" target="_blank">Learn More</a></td>
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</table></div>5 Money Solutions When Family is the Problem!https://exquisitepodcastradionetwork.ning.com/articles/5-money-solutions-when-family-is-the-problem2023-04-09T14:00:00.000Z2023-04-09T14:00:00.000ZExquisite Conglomeratehttps://exquisitepodcastradionetwork.ning.com/members/ExquisiteConglomerateCommunicationsLLC<div><img src="https://storage.ning.com/topology/rest/1.0/file/get/11023092691?profile=RESIZE_180x180&width=118"></div><div><table border="0" width="600" cellspacing="0" cellpadding="0" align="center">
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<td align="left"><a title="When Family is the Problem: 5 Money Solutions" href="https://click.mail.oneunited.com/?qs=54890ae8c251fa9b5923e683d0926710958285852ca5c64299d7d6056fd410432e7697bd8480cc48b97c49b6383dc669df141654356db811d23345a3a1eb4e1c" target="_blank"><img class="CToWUd" src="https://ci5.googleusercontent.com/proxy/Qm8I9kDKoNtRPTMIaIuX4YkzmNKccFLtM0FNvi-S9hykywHlvS9boKQexpo6Tzo4J36lyRvwj08D8FR7UnyhefX9XoT6pgJ3NnYjLXKQT-dOYf48ymYqrQioCw91G-lvLQxURYCgt8-2syf_D4hrgQkJ52m5cRk=s0-d-e1-ft#https://image.mail.oneunited.com/lib/fe9113727c67047e73/m/2/5b958fb1-6e44-41bc-95ae-537b17d8b8de.png" alt="When Family is the Problem: 5 Money Solutions" width="600" /></a></td>
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<p>Do you have family members who always seem to have money problems, then expect to be bailed out? We can relate. How do you solve this problem, you may ask? We have a few solutions!<br /><br />Click <strong><u><a title="HERE" href="https://click.mail.oneunited.com/?qs=54890ae8c251fa9b58a43e026cecfbdf3dce6f9bd0b46961cacf1e96768abeaac8499b242819cf4aec426c6c52f6b8fba9c82936173f069309c5ba5ea8230642" target="_blank">HERE</a></u> </strong>to learn 5 money solutions that work when family is the problem!</p>
<p><img src="https://ci4.googleusercontent.com/proxy/GrmB6cTd0ML2y44Zrog6F7TY7nMORWVk2Wu1F1lcPTZA3ZWRYAgUs1ClSlAB1JPPpzjIAXIF9lxialAo08oSuM5wa1qG6RQIDhbL3zWKj_OOL9N5ZsnKG-1ddHvHIzoQHjGTD_-VOeo570KB-7vJGxVJjfCnKGI=s0-d-e1-ft#" alt="GrmB6cTd0ML2y44Zrog6F7TY7nMORWVk2Wu1F1lcPTZA3ZWRYAgUs1ClSlAB1JPPpzjIAXIF9lxialAo08oSuM5wa1qG6RQIDhbL3zWKj_OOL9N5ZsnKG-1ddHvHIzoQHjGTD_-VOeo570KB-7vJGxVJjfCnKGI=s0-d-e1-ft#<a href=" />https://image.mail.oneunited.com/lib/fe9113727c67047e73/m/2/9764754a-0af9-4c39-b14f-4d93fa89cb65.png" alt="EMPOWERMENT NETWORK" /></p>
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<p><a title="Introducing the OneUnited Empowerment Network" href="https://click.mail.oneunited.com/?qs=54890ae8c251fa9b9a211ee448a3d4c8d6d6d203b69a1d176c875ea606868dd0f8487baa63e0572bd987c651e6d5ab4cfdeaa5bda1eb48507ea5539bbdf7b8e7" target="_blank">Learn More</a></p>
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<p><br /><em>We're proud to be the nation's largest Black-owned bank AND to be designated a Community Development Financial Institution (CDFI) by the US Department of Treasury based on <u><a title="2022 Scorecard" href="https://click.mail.oneunited.com/?qs=54890ae8c251fa9b72ee140063ab783712a8b9a3924c1e718b3be968ef2adccd9f34ce6449c26cadfc6f3ea5f28cda5049b8fbbdc3b3b49f6bd26a31a4dc8bbd" target="_blank">our track record</a></u> for community development. We matter and your money matters. Spread the word!</em></p>
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<p><em>Get the Black Card!</em></p>
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<td>Join Our Community. Let Your Voice Be Heard.
<p>Become part of our ever-growing social communities on Facebook, IG, Tiktok and Twitter. Join in the conversation around building Black economic power in America!</p>
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<p> </p></div>Save Time & Money!https://exquisitepodcastradionetwork.ning.com/articles/save-time-money2023-02-15T20:00:00.000Z2023-02-15T20:00:00.000ZExquisite Conglomeratehttps://exquisitepodcastradionetwork.ning.com/members/ExquisiteConglomerateCommunicationsLLC<div><img src="https://storage.ning.com/topology/rest/1.0/file/get/10967950464?profile=RESIZE_180x180&width=118"></div><div><p style="text-align:center;"><span style="font-size:12pt;">We're excited to introduce the OneUnited Empowerment Network, the largest surcharge free ATM network in America! </span></p>
<p style="text-align:center;"><strong>Now you can get cash, surcharge free, at 100,000* ATMs located at your neighborhood retailers like Walgreens, CVS, 7 Eleven, and Target, along with Citibank and Chase Bank branches! </strong></p>
<p style="text-align:center;">Save time & money! To find an ATM, simply click on our locations page, search your city and find the Blue Surcharge-Free ATM flags. Click <a title="HERE" href="https://click.mail.oneunited.com/?qs=8a21ab20d545558a6f4941aeff1a0f4144b5a87e70c73e2ae37763f8131e932ab82f5da2fd3f6e6971551c5ddd8694cb19f5c93a8f5342cc" target="_blank">HERE</a>!</p>
<p style="text-align:center;"><img src="https://ci4.googleusercontent.com/proxy/FAy4WN9h1NmYODmlEEuqmD3fzRNTJ9gSt5otsPEiJUCCMX-j2UcgLEKhaPHjPXY2_l9I3tfifu-8KxcyZQ5i1oXADwgGp7GfxyiBBMty18tF4LtKW-4eFhsPhG0swZvocen4iVJqD5k3Df8km-pRWiojcx34V-0=s0-d-e1-ft#" alt="FAy4WN9h1NmYODmlEEuqmD3fzRNTJ9gSt5otsPEiJUCCMX-j2UcgLEKhaPHjPXY2_l9I3tfifu-8KxcyZQ5i1oXADwgGp7GfxyiBBMty18tF4LtKW-4eFhsPhG0swZvocen4iVJqD5k3Df8km-pRWiojcx34V-0=s0-d-e1-ft#<a href=" /></p>
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<td bgcolor="#2E6FCC"><a title="" href="https://click.mail.oneunited.com/?qs=8a21ab20d545558a655ded963049c842507fa047baa08756569e7220756a844a6e78a58f14445b7af10c76e4988e8ea2231077636170febd378f18e7c4c7c4b1" target="_blank">ATM Locations</a></td>
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<p style="text-align:center;">*Withdrawals Only</p>
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<h1 style="text-align:left;">Real-Time Deposits!</h1>
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<p>With the Empowerment Network, you can deposit cash at participating surcharge free ATMs and get real-time access to your money! </p>
<p>To find a deposit taking ATM, simply click on our locations page on our website, search your city and find the Purple Deposit & Surcharge-Free ATM flags. Click <a title="HERE" href="https://click.mail.oneunited.com/?qs=8a21ab20d545558a6f4941aeff1a0f4144b5a87e70c73e2ae37763f8131e932ab82f5da2fd3f6e6971551c5ddd8694cb19f5c93a8f5342cc" target="_blank">HERE</a>!<br /> <br /> (Please Note: Cash deposits submitted without an ATM envelope will be posted to your account within minutes!)</p>
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<p style="text-align:center;"> </p>
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<p> </p>
<p style="text-align:center;">FIRST YOU NEED TO GET THE OneUnited BLACK CARD</p>
<p style="text-align:center;"><a href="https://www.oneunited.com/referral/?MCL14" target="_blank">GO HERE</a></p>
<p style="text-align:center;"> </p>
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<h2>Check out the OneTransaction Podcast</h2>
<p><strong>SUBSCRIBE</strong> to our free, highly rated OneTransaction Podcast to get actionable insights on profitable business ownership, homeownership, credit building, investments & savings, wills, life insurance, and more!</p>
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<td align="center"><a title="Listen to OneTransaction Podcast on Audible" href="https://click.mail.oneunited.com/?qs=8a21ab20d545558a8dc6b24bc4c0864c29c32a570ebf19726729d0b0c28760ff84746c02007e3475e8db7d1ba365ff120f2f4185931f4909d1661c5746406e68" target="_blank"><img class="CToWUd" src="https://ci4.googleusercontent.com/proxy/rKo-_3w1GOmFFkFMNcs7wO_qfdkhqKQ6hIjUfnfRUDoYseBMcD0DjdRd3KHlMkn_n43lJSS7_xpVDXTEfx-xYOQKj6b7iLHA1UATlWOAgexlD3qxpGHV8M9BMJDv8SbqAr3pu5yHwn-efGCdit2o8984-rfLiqI=s0-d-e1-ft#https://image.mail.oneunited.com/lib/fe9113727c67047e73/m/1/c7f03b44-adb9-4442-8f43-7ee90c331fed.png" alt="Listen to OneTransaction Podcast on Audible" width="170" height="43" /></a></td>
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<td align="center"><a title="Listen to OneTransaction Podcast on Google Podcasts" href="https://click.mail.oneunited.com/?qs=8a21ab20d545558a84be6834419ca08e856e76ac28b0808d7950f67ccdcde7b6866365a05b2fe3a4996f201f281dee27de7701f065e5641816f6dc191fe10717" target="_blank"><img class="CToWUd" src="https://ci6.googleusercontent.com/proxy/BZufDo2Yuo2xM0zGS2Rl2g1_w1jSgfvhb6iH41KVQIImo5xf7GQSFF1nxBXsHLkKJ9XpN5CiDcnNfL1r0XuvrVbNw0UjZjqzj4rwHvkMbx8h_1Hbh1Mt6adhmYQH0J7E9ZTNustdT1hbrDwOCiwTyrMVh0hgHgY=s0-d-e1-ft#https://image.mail.oneunited.com/lib/fe9113727c67047e73/m/1/a288e9a8-90a2-4df6-b7ef-8821f9fe7875.png" alt="Listen to OneTransaction Podcast on Google Podcasts" width="170" height="43" /></a></td>
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<p> </p>
<p style="text-align:center;"><a href="https://www.oneunited.com/referral/?MCL14" target="_blank"><img class="align-center" src="{{#staticFileLink}}10967955264,RESIZE_180x180{{/staticFileLink}}" alt="10967955264?profile=RESIZE_180x180" width="100" /></a></p></div>How to Achieve Your Financial Goals in 2023https://exquisitepodcastradionetwork.ning.com/articles/how-to-achieve-your-financial-goals-in-20232023-01-06T21:00:00.000Z2023-01-06T21:00:00.000ZExquisite Conglomeratehttps://exquisitepodcastradionetwork.ning.com/members/ExquisiteConglomerateCommunicationsLLC<div><img src="https://storage.ning.com/topology/rest/1.0/file/get/10926689687?profile=RESIZE_180x180&width=118"></div><div><table border="0" width="600" cellspacing="0" cellpadding="0" align="center">
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<td align="left"><a title="OneUnited Bank BLOG Image Header" href="https://click.mail.oneunited.com/?qs=97f28f6d4eb51e6802667588e8dfe23af05e3294f47ce1624d1a92a24a274810febca28701f968979790fc91b61787fd8f58e97aaf342f675429afe2af1d0435" target="_blank"><img class="CToWUd" src="https://ci5.googleusercontent.com/proxy/FShzp_eCKTE3Z1lrawt2Z8HrtLwkLFmPeCo3afdpel7FBu5e7FnuexM64oVvNeXEdl0HDSVDvSGhZX7TrWPm0IAvBPoxgm1JZEPUu3R-wcrJ5t3hfflKLcMh7cmNOtVQhyN_maRLEZ3xn69uuttuTTPXc17MThY=s0-d-e1-ft#https://image.mail.oneunited.com/lib/fe9113727c67047e73/m/2/e15b34ba-400d-4e08-8be8-8bf342b7aef2.png" alt="2023: It's Your Winning Year" width="600" /></a></td>
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<h1><a title="Title" href="https://click.mail.oneunited.com/?qs=97f28f6d4eb51e6821c10cea1e7d45ba9b67969d6107182a42f52872a69608a3c362b8c131e3532ae71f6014a79390154c33e944c5e98357b8c122284b61128a" target="_blank">How to Achieve Your Financial Goals in 2023</a></h1>
<p>Welcome to the New Year!<br /> <br /> It's time to leave the challenges of 2022 behind and focus on making 2023 a successful year. One of the keys to achieving your goals is having a game plan in place, and we have the perfect tools to help.<br /> <br /> Goal setting and creating a vision board are two of our favorites for taking active steps toward our goals and visualizing success.<br /> <br /> <strong><a title="CLICK HERE" href="https://click.mail.oneunited.com/?qs=97f28f6d4eb51e68c4cdb2a0cbe5994c98b5b47d5a0d5b58254fa6736363354e9a7876cf6e9c7597550ddf2eade5a564e507bf0aa9391bfaa5f0163750b24114" target="_blank">CLICK HERE</a></strong> to learn more about these tools and how to use them to make 2023 your winning year.</p>
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<td align="center"><a title="CASH PLEASE" href="https://click.mail.oneunited.com/?qs=97f28f6d4eb51e68bb76a0bb78e8284e87e14fd5c9b05b8c541e0976451e7992157d82c47c9644997e3cc91b896277b38a59d5f86b1aa60ff2faf2b407264aaa" target="_blank"><img class="CToWUd" src="https://ci5.googleusercontent.com/proxy/dyufgOcYpRTfAFvvqUumMt0VyngrDOzVE61PQgyRcbrsbZataj3EzCGhtLHW6Aqbgty9aWodLaJUJBDby1bzOKxq8HQV_leDyYJXb6KD7OnFx3hpGsic8Nb2Ydwz-PWTVYWHtg_tWFdLcpjOyACxyoCrdt0US2w=s0-d-e1-ft#https://image.mail.oneunited.com/lib/fe9113727c67047e73/m/1/f5f4768d-1224-4308-b6d8-dfd308958e90.png" alt="Get The BankBlack Card Today! | OneUnited Bank" width="605" height="605" /></a></td>
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<td bgcolor="#2E6FCC"><a title="Get the Card Today!" href="https://click.mail.oneunited.com/?qs=97f28f6d4eb51e689183761fdab705537ee4ca1e15841e216c5cb8ebc745df40bc1ee7930a7257c4d847eeedc1e49cd084da617680b36d22a92c6033ea464f2c" target="_blank">Apply Now!</a></td>
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<p> *****<br /> <em>We're proud to be the nation's largest Black-owned bank AND to be designated a Community Development Financial Institution (CDFI) by the US Department of Treasury based on <u><a title="2021 Scorecard" href="https://click.mail.oneunited.com/?qs=97f28f6d4eb51e684f16959d68fac78e329e6c6c37df4fcffc0014c959008fd78e96b8968fd2022d8535a1345f726ed56a0d6ab1e17c354831027b9f4ab2e026" target="_blank">our track record</a></u> for community development. We matter and your money matters. Spread the word and <a href="https://www.oneunited.com/referral/?MCL14" target="_blank">GET THE BLACK CARD HERE</a>!</em></p>
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<p style="text-align:center;"> Join Our Community. Let Your Voice Be Heard.</p>
<p style="text-align:center;">Become part of our ever-growing social communities on Facebook, IG, Tiktok and Twitter. Join in the conversation around building Black economic power in America!</p>
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<div style="text-align:center;">Connect With Us:</div>
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<td><a href="https://click.mail.oneunited.com/?qs=97f28f6d4eb51e68038b05c4b58b0b02f85dc7ffd0b9ca915a84593de54fbba87389bdf8bca329aad9531b5ed20cc4ae3603c06cf30e31d2" target="_blank"><img class="CToWUd" src="https://ci4.googleusercontent.com/proxy/5eQ3OYJnZYaM03f3c7xIAWmmBBeuS0lsoLkUT3mdhqAS8g10S0clMWy_t4z3erDiYmKX_cyK0c7wy8RGKpV7NvUdOZ7tfIdG5lBIt_J_iVzT51Q6PPEwGlYzT_KoDO4XF97lM3GdCuNxajqVt_o10g=s0-d-e1-ft#https://image.s4.exct.net/lib/fe911573736c007d7d/m/2/e76b988d-8feb-4d15-b8d9-1ccf4bee17cd.png" alt="Facebook" width="24" height="24" /></a></td>
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<td><a href="https://click.mail.oneunited.com/?qs=97f28f6d4eb51e683b124a8d53a6e3b43c594c0d9a6b5a664d45a13ea44ce38a3395054ec6675c651a44da33bbb70d8e9dbdc2376ccac3aa" target="_blank"><img class="CToWUd" src="https://ci6.googleusercontent.com/proxy/4utyeQ7RjwNfO4IwzsIrHOO7J4YZXX7TuReAluZc7j58BhaT7osA-9RbrBG7Usn8ibHQe340opgUwsOHBu03KXclBEBdFjf-kGiSIHdHsbizBvKaOYCWneecTE5IjblRpAuwUvg07YQ-r0pibq0M9A=s0-d-e1-ft#https://image.s4.exct.net/lib/fe911573736c007d7d/m/2/cda3af82-7aa0-4d2d-983b-66d71f7765a6.png" alt="YouTube" width="24" height="24" /></a></td>
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<td><a href="https://click.mail.oneunited.com/?qs=97f28f6d4eb51e6857f8e3d6fd40a47a65eedf175a3cf400ed4249c63a268576a5b4fc1bea52a645e1c3b6e748fbf9ce961181ece65c891d" target="_blank"><img class="CToWUd" src="https://ci5.googleusercontent.com/proxy/DxUd21WCJdbm2APkeyO7EkgqKDXF0WOXVWyW17sLd6baskpjsyQ4gAPBe_IJtcGEr45D57oCMKOkZBpA4G3zmWyb22pZ8SjMfVv0MgVHSo2YZy7nGdEshAIzokZzdf4nHZmoZjLd4okHYwZiWqpjaw=s0-d-e1-ft#https://image.s4.exct.net/lib/fe911573736c007d7d/m/2/f071eec4-5672-4190-b5c4-03c64fd3f5bd.png" alt="Twitter" width="24" height="24" /></a></td>
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<p> </p></div>Get the ADVANTAGEhttps://exquisitepodcastradionetwork.ning.com/articles/get-the-advantage2022-10-31T12:00:00.000Z2022-10-31T12:00:00.000ZExquisite Conglomeratehttps://exquisitepodcastradionetwork.ning.com/members/ExquisiteConglomerateCommunicationsLLC<div><img src="https://storage.ning.com/topology/rest/1.0/file/get/10858358091?profile=RESIZE_180x180&width=118"></div><div><p style="text-align:center;"><img src="https://ci5.googleusercontent.com/proxy/VG14z87ULd0wjZhHD7H3MF5ABu4q_tIaLCp0qkFCA-l66ByyYgTykh1vMqz_b1V7KhX-8KancP0zHE99RX7JUKMykujZCDXwMvuf3t5VD9xF0OO-wcd26btYOjMHbnqPIpsAxES0WA4pEJvIhQduRuogqEv11qs=s0-d-e1-ft#" alt="VG14z87ULd0wjZhHD7H3MF5ABu4q_tIaLCp0qkFCA-l66ByyYgTykh1vMqz_b1V7KhX-8KancP0zHE99RX7JUKMykujZCDXwMvuf3t5VD9xF0OO-wcd26btYOjMHbnqPIpsAxES0WA4pEJvIhQduRuogqEv11qs=s0-d-e1-ft#<a href=" /></p>
<p style="text-align:center;"><img src="https://ci3.googleusercontent.com/proxy/FtMi25LwUxZq3ktTm9XB1gBfNhZYeW1-OWFc-0IANKxsFSbDMtDj7MUnA2wl8Y-UBxcvSJAvv7_7EYdlSRW5TjnB82Xyk9U7wTm0mcqCyAV05rIZ-axyCRg5sSHZkLXW6wKNL9d3y3YLogsxCHCxwSK6HAoIhQ=s0-d-e1-ft#" alt="FtMi25LwUxZq3ktTm9XB1gBfNhZYeW1-OWFc-0IANKxsFSbDMtDj7MUnA2wl8Y-UBxcvSJAvv7_7EYdlSRW5TjnB82Xyk9U7wTm0mcqCyAV05rIZ-axyCRg5sSHZkLXW6wKNL9d3y3YLogsxCHCxwSK6HAoIhQ=s0-d-e1-ft#<a href=" /></p>
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<h2>Get rewarded for your daily purchases!</h2>
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<td>We've created the BankBlack Advantage program because we believe in giving back to our community and loyal customers.</td>
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<td><strong>Pay for your everyday in-store or online purchases with your OneUnited Visa debit card, and we'll give you points. </strong>You can redeem them for exclusive gifts waiting for you on our <a href="https://www.oneunited.com/referral/?MCL14" target="_blank">BankBlack Advantage website</a>. While you #BankBlack, we reward you back! It’s that simple!</td>
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<td><strong>1. JOIN THE BANKBLACK ADVANTAGE</strong>
<div>An account will be created on your behalf. To claim your account, simply click "<a href="https://www.oneunited.com/referral/?MCL14" target="_blank">Start Here</a>". Enter the required information and click ”Search”.<br /> </div>
<strong>2. USE YOUR DEBIT CARD FOR DAILY PURCHASES</strong>
<div>You can maximize the number of points you will earn by making sure to use your debit card instead of a check, cash, or credit card.<br /> </div>
<strong>3. GET REWARDED WHILE YOU SPEND</strong>
<div>Simply check BankBlack Advantage under "More" in our mobile app and redeem your points for FREE exclusive gifts. </div>
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<td bgcolor="#2E6FCC"><a href="https://www.oneunited.com/referral/?MCL14" target="_blank">Unlock Rewards</a></td>
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<div id="m_-6971336257204032680lineSpace"> </div>
Join Our Community. Let Your Voice Be Heard.
<p>Become part of our ever-growing social communities on Facebook and Twitter and join in the conversation around building Black economic power in America.</p>
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<div>Connect With Us:</div>
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<td><a href="https://click.mail.oneunited.com/?qs=a7d6f09367e920c0693c3f3b0620fe185b31cd6bce063273fc1ef1eb381bd4ac7859ce24f16a990a4e2c8578b876a1aa0b1ba44c3e1c4e0c" target="_blank"><img class="CToWUd" src="https://ci5.googleusercontent.com/proxy/H_4mbtNoIF8zqpfHSGrsNsdqravLNarfLzCJLSn4g4PWBFPsUphj0N0rnU3y5a3TU7lpstclxKMP5El7nU2N4h3iCKofs8vdVdStY6OXnS9aNv-FWSH0-Egr40SD1_x4JBXFJbdwBpfaCxtprV9t=s0-d-e1-ft#http://image.s4.exct.net/lib/fe911573736c007d7d/m/2/e76b988d-8feb-4d15-b8d9-1ccf4bee17cd.png" alt="Facebook" width="24" height="24" /></a></td>
<td><a href="https://click.mail.oneunited.com/?qs=a7d6f09367e920c0693c3f3b0620fe185b31cd6bce063273fc1ef1eb381bd4ac7859ce24f16a990a4e2c8578b876a1aa0b1ba44c3e1c4e0c" target="_blank">Facebook</a></td>
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<td><a href="https://click.mail.oneunited.com/?qs=d2358361812e7baa2ccefd5180ba122fabedbb9e17f27947c977c8213e64311a47ec1a5da1a609dbef4a6cea145a74d9c5c6a81baa1fc8d9" target="_blank">Instagram</a></td>
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<td><a href="https://click.mail.oneunited.com/?qs=50b177410f261dde4d1f5846c5ebdc3730a42e0cc5b8fa5121e992fa47cc68bd9496ef2f9b2a929ef48c1bd4cddd581ce52d62d9e4bef068" target="_blank">YouTube</a></td>
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<p> </p></div>Questions ... Why don't you have more branches?https://exquisitepodcastradionetwork.ning.com/articles/questions-why-don-t-you-have-more-branches2022-09-10T12:00:00.000Z2022-09-10T12:00:00.000ZExquisite Conglomeratehttps://exquisitepodcastradionetwork.ning.com/members/ExquisiteConglomerateCommunicationsLLC<div><img src="https://storage.ning.com/topology/rest/1.0/file/get/10807632065?profile=RESIZE_180x180&width=118"></div><div><div class="post_image"><a href="https://www.oneunited.com/core/content/uploads/2022/09/2022-Q3-SEP-Featured-Blog-Image-Top-Secret-JS-800x600.png" target="_blank"><img class="align-center" src="https://www.oneunited.com/core/content/uploads/2022/09/2022-Q3-SEP-Featured-Blog-Image-Top-Secret-JS-800x600.png?profile=RESIZE_400x" alt="2022-Q3-SEP-Featured-Blog-Image-Top-Secret-JS-800x600.png?profile=RESIZE_400x" width="400" /></a></div>
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<p>Here are some frequently asked questions with top secret answers! Well, not really top secret, but difficult questions to answer in a quick sound bite or in “mixed company”. Here we go!</p>
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<p>In 2006 – almost 20 years ago – we launched our digital platform. Today, we offer state-of-the-art technology, including <a title="2-day early pay" href="https://www.oneunited.com/earlypay">2-day early pay</a>, money <a href="https://www.oneunited.com/about-us/company-profile/management/">management</a>, <a title="CashPlease" href="https://www.oneunited.com/cash-please/">CashPlease</a> and <a title="AutoSave" href="https://www.oneunited.com/autosave">AutoSave</a>. We also have over <a title="40,000 surcharge free ATM locations" href="https://www.oneunited.com/about-us/branch-atm-locations/">40,000 surcharge free ATM locations</a> nationwide including at Chase Bank and Citibank branches. OneUnited Bank is available nationwide because we decided to invest in technology rather than open more physical branches which can cost $250,000 to $500,000 per branch each year. You can now bank in the palm of your hand from anywhere in the U.S.A!</p>
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<h2><a href="https://www.oneunited.com/referral/?MCL14" target="_blank">Join the Movement</a></h2>
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<p>Although children can receive a social <a href="https://www.oneunited.com/security/">security</a> number at birth, most children have not worked or used their social security number to establish an “electronic identity”. Therefore, we have not found an effective way to verify a youth’s identity online. In addition, the <a class="disclaimer-open" title="Children's Online Privacy Protection Act" href="https://www.ftc.gov/legal-library/browse/rules/childrens-online-privacy-protection-rule-coppa">Children’s Online Privacy Protection Act</a> (COPPA) imposes more stringent requirements to protect children’s privacy.</p>
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<p>While most parents are trying to teach their children good <a href="https://www.oneunited.com/personal-banking/deposit-products/savings/">savings</a> habits, some parents who have ChexSystems records use their children’s identities to obtain bank accounts.</p>
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<p>For these reasons, we do not currently offer youth accounts online, but we do offer a <a title="second chance checking" href="https://www.oneunited.com/checking/">second chance checking</a> account for people with ChexSystems records.</p>
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<p>OneUnited Bank is an FDIC insured, full-service bank. Our Funds Transfer service uses the <a class="disclaimer-open" title="Automated Clearing House" href="https://en.wikipedia.org/wiki/Automated_clearing_house">Automated Clearing House</a> (ACH). These transactions take time. As an example, if you use electronic funds transfer (EFT) to move money from Bank A to Bank B, the funds are withdrawn from Bank A today and arrive at Bank B in 1-2 days. The transfer may take time, but it’s secure.</p>
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<p>When funds are “transferred” using fintechs such as CashApp or Venmo, the process seems quick, but the reality is that your funds have not really moved. They are still being held by CashApp, Venmo or other fintech apps until you or the person you are sending money to decide to transfer them into a bank account.</p>
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<p>Businesses are one of the highest sources of bank fraud. It is difficult to verify the credentials of a business and the true identity of its owners and signatories online.</p>
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<p>A study found that fraud costs in 2021 increased 33% for larger banks, 18% for fintechs and 11% for smaller banks. Sixty percent of large banks have experienced identity theft fraud in 2021, up from 45% in 2019.</p>
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<p>For these reasons, we do not currently offer business accounts online, but we’re still searching for a solution.</p>
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<p>Given our focus on closing the racial wealth gap, we offer the <a href="https://www.oneunited.com/referral/?MCL14">UNITY Visa secured credit card program</a> to help our community build or rebuild credit in a manageable manner. The program reports to all 3 major credit bureaus, we offer a fixed interest rate, and there’s no minimum credit score required. There is an unmet need that UNITY Visa fills because very few banks offer a secured credit card programs.</p>
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<p>There are many unsecured credit card programs offered by many large financial institutions. In other words, there is not an “unmet need” for a credit card program for people with great credit. For this reason, we do not currently offer an unsecured credit card program.</p>
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<p>Our UNITY Visa secured card program is designed to help customers rebuild or build their credit with low monthly payments and a fixed interest rate. There are many benefits to having a <a title="secured credit card, instead of a pre-paid debit card" href="https://www.oneunited.com/unity-visa/secured-credit-card-vs-pre-paid-card/">secured credit card, instead of a pre-paid debit card</a>, including we report to all 3 major credit bureaus and credit cards are accepted by some merchants that do not accept debit cards (such as car rental companies). In accepting the UNITY Visa Card, you must agree to pay off your balance before your security deposit can be returned. In other words, the program is not a prepaid debit card. This requirement is included in our <a title="UNITY Visa disclosures" href="https://www.oneunited.com/disclosures/UNITY%20Visa%20Cardholder%20Agreement.pdf">UNITY Visa disclosures</a>. Once you pay off your credit card balance, we will return your security deposit within 30 days.</p>
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<p style="text-align:center;">We have become the largest Black owned bank and <a class="disclaimer-open" title="first Black owned digital bank" href="https://www.oneunited.com/ga/rewardsdebitcard/">first Black owned digital bank</a> in America because we listen to your feedback to improve our products and service delivery. Thanks!</p>
<p><a href="https://www.oneunited.com/referral/?MCL14" target="_blank"><img class="align-center" src="https://th.bing.com/th/id/R.cf0c86707114dae0c0fd831af5991894?rik=yzC9hom8DaJy3Q&riu=http%3A%2F%2Fs3-media4.fl.yelpcdn.com%2Fbphoto%2Fm0Ma0xgMbUhP6vEStlWKEw%2Fo.jpg&ehk=rR8Zv9qowMtwxDht6FCFagubcOZHKS5jS5yMXdl89pc%3D&risl=&pid=ImgRaw&r=0&profile=RESIZE_180x180" alt="R.cf0c86707114dae0c0fd831af5991894?rik=yzC9hom8DaJy3Q&riu=http%3a%2f%2fs3-media4.fl.yelpcdn.com%2fbphoto%2fm0Ma0xgMbUhP6vEStlWKEw%2fo.jpg&ehk=rR8Zv9qowMtwxDht6FCFagubcOZHKS5jS5yMXdl89pc%3d&risl=&pid=ImgRaw&r=0&profile=RESIZE_180x180" width="150" /></a></p>
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</div></div>Make Your Wednesday Your New Friday!https://exquisitepodcastradionetwork.ning.com/articles/make-your-wednesday-your-new-friday2022-08-17T12:00:00.000Z2022-08-17T12:00:00.000ZExquisite Conglomeratehttps://exquisitepodcastradionetwork.ning.com/members/ExquisiteConglomerateCommunicationsLLC<div><img src="https://storage.ning.com/topology/rest/1.0/file/get/10760943484?profile=RESIZE_400x&width=306"></div><div><table border="0" width="600" cellspacing="0" cellpadding="0" align="center">
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<td align="center"><a title="BankBlack Early Pay Header Image" href="https://click.mail.oneunited.com/?qs=68dc0385296e45eb44ddd80e40cde83178d2a80938db97b21449d5387c640e978bcbb6133e359e09f8eb9c28f74666da4ba8fb185f3c1322008b62a58bb89a7e" target="_blank"><img class="CToWUd" src="https://ci5.googleusercontent.com/proxy/Bzd73rGJC07qFeSpJAWLPRi6upl6VZYZbSGbYxz1wbMM8vC2DBrINr5rGR1k2HD8cSnESHs0Q6GgJKBqMHYA2tEcqA7xyOxS58nWr3P14Kl9U1ZL5HhQNU8M1YfzI7HgfvSb9FxE_Vfp9BUHrBF3pLP_h6eQC5E=s0-d-e1-ft#https://image.mail.oneunited.com/lib/fe9113727c67047e73/m/1/4d3919dc-0a2a-4cb9-a83c-965a4efa35f9.png" alt="BankBlack Early Pay" width="600" /></a></td>
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<h2>Introducing BankBlack Early Pay</h2>
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<p>Why wait to get paid on Friday when you can get paid up to 2 days early?<br /><br />Now you can receive your paycheck or government check up to 2 days early with direct deposit. No extra fees or handling charges. You simply get your money faster! Sounds great, doesn't it?</p>
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<td align="center"><a title="Early Pay" href="https://click.mail.oneunited.com/?qs=68dc0385296e45ebe91a0925fd5651a6840f8118e9360b5a81bacde222b1e70fb91651c9bc927ae52125b136a2d1faa34cebf2fcc9ed124aeee16f18c77db837" target="_blank"><img class="CToWUd" src="https://ci4.googleusercontent.com/proxy/9oXyEYGJWxDF4HFd7VW_n_2BRgjtV-QRRvKWQ1plX6XZzB1pisZt517jDrllBBJuyiDujKPLSf_va2q3eKcBqq2V20LPhTFVILq-6G2cHlovbuvgWPwNwnKIBJMP-lIsQIcQcrTF_b2ZYo8r56N1fLwu9BzXh_8=s0-d-e1-ft#https://image.mail.oneunited.com/lib/fe9113727c67047e73/m/1/c27c67b1-d5e6-4f58-a43e-dcb492db6e97.png" alt="" width="600" /></a></td>
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<p style="text-align:center;">First Sign Up For Your OneUnited Early Pay Account Join The Family!</p>
<p style="text-align:center;"><span style="font-size:12pt;"><strong><a href="https://www.oneunited.com/referral/?MCL14" target="_blank">OPEN YOUR ACCOUNT HERE</a></strong></span></p>
<p style="text-align:center;"><a href="https://www.oneunited.com/referral/?MCL14" target="_blank"><img class="align-center" src="{{#staticFileLink}}10760946889,RESIZE_400x{{/staticFileLink}}" width="306" alt="10760946889?profile=RESIZE_400x" /></a></p></div>Black Health, Black Wealthhttps://exquisitepodcastradionetwork.ning.com/articles/black-health-black-wealth2022-07-17T13:00:00.000Z2022-07-17T13:00:00.000ZExquisite Conglomeratehttps://exquisitepodcastradionetwork.ning.com/members/ExquisiteConglomerateCommunicationsLLC<div><img src="https://storage.ning.com/topology/rest/1.0/file/get/10651363694?profile=RESIZE_180x180&width=179"></div><div><p><img src="https://www.oneunited.com/core/content/uploads/2022/07/2022-Q3-JUL-Featured-Blog-Image-HealthWell-Being-JS-800x600.png" alt="Black Health & Well-Being" width="800" height="600" /></p>
<h1>3 Steps to Improve Your Well-Being!</h1>
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<p>Simply put, focus on your health and well-being now! Here are 3 key steps to improve your health and therefore, your wealth!</p>
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<p>We know from the COVID-19 pandemic that our health can impact our wealth. Missing annual exams, insurance and healthcare costs and sadly burial expenses can impact your wallet and our community well-being. And now, the overturn of Roe v Wade creates another health challenge.</p>
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<p>Historic inequities in healthcare run deep in public and private healthcare systems and create disadvantages across our lifespan. The NAACP is committed to ending racial health disparities. <a class="disclaimer-open" title="They state" href="https://naacp.org/issues/health-wellbeing">They state</a>, “In the U.S., our collective unwillingness to ensure affordable, accessible, quality, and timely health care for all has cost too many Black lives and unnecessarily compromised our nation’s health and economic <a href="https://www.oneunited.com/security/">security</a>. The U.S. is overdue for a health care system that truly bolsters health for all its people rather than fragments them further.” The Legal Defense Fund provides a thorough Q&A on <a class="disclaimer-open" title="Reproductive Rights and Racial Justice" href="https://www.naacpldf.org/reproductive-rights-faq/">Reproductive Rights and Racial Justice</a>.</p>
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<p>Simply put, focus on your health and well-being now! Here are 3 key steps to improve your health and therefore, your wealth!</p>
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<p>We know from the COVID-19 pandemic that our health can impact our wealth. Missing annual exams, insurance and healthcare costs and sadly burial expenses can impact your wallet and our community well-being. And now, the overturn of Roe v Wade creates another health challenge.</p>
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<p>Historic inequities in healthcare run deep in public and private healthcare systems and create disadvantages across our lifespan. The NAACP is committed to ending racial health disparities. <a class="disclaimer-open" title="They state" href="https://naacp.org/issues/health-wellbeing">They state</a>, “In the U.S., our collective unwillingness to ensure affordable, accessible, quality, and timely health care for all has cost too many Black lives and unnecessarily compromised our nation’s health and economic <a href="https://www.oneunited.com/security/">security</a>. The U.S. is overdue for a health care system that truly bolsters health for all its people rather than fragments them further.” The Legal Defense Fund provides a thorough Q&A on <a class="disclaimer-open" title="Reproductive Rights and Racial Justice" href="https://www.naacpldf.org/reproductive-rights-faq/">Reproductive Rights and Racial Justice</a>.</p>
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<p><strong>Here are some steps you can take today to improve your health and well-being:</strong></p>
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<p><strong>Vote!</strong> As we stated in our article “<a title="3 Steps to Close the Racial Wealth Gap and Improve Your Bank Account!" href="https://www.oneunited.com/3-steps-to-close-the-racial-wealth-gap-and-improve-your-bank-account/">3 Steps to Close the Racial Wealth Gap and Improve Your Bank Account!</a>“, public policy is needed to address discrimination that negatively impacts your bank account. The overturn of Roe v Wade can reverse gains Black women have achieved in education and employment. According to the <a class="disclaimer-open" title="Washington Post" href="https://www.washingtonpost.com/politics/2022/06/25/dobbs-roe-black-racism-disparate-maternal-health/">Washington Post</a>, Black women will be especially impacted by the reversal of Roe v Wade. Racial disparities in health care worsen pregnancy and maternal risks for Black women. Black women have more health risks, less insurance coverage, and therefore, worse maternal health. Many Black women are living in southern states with some of the nation’s most restrictive abortion laws. We need to make our voices heard at the ballot box.</p>
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<p><strong>Fight for your healthcare, and thereby your life!</strong> Obtaining insurance, finding a primary physician, having annual physical exams, and obtaining correct diagnosis and treatment are challenging for all Americans, but particularly for the Black community due to the lack of affordable healthcare. In addition, we face different health challenges.</p>
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<p>A recent episode of Amazon Prime’s Harlem, titled “<em><a class="disclaimer-open" title="The Strong Black Woman" href="https://readysteadycut.com/2021/12/03/recap-harlem-season-1-episode-7-amazon-original-series/">The Strong Black Woman</a></em>” highlights the challenges that Black women face with fibroids in obtaining treatment. <a class="disclaimer-open" title="Nielsen Scarborough" href="https://www.nielsen.com/us/en/solutions/capabilities/scarborough-local/">Nielsen Scarborough</a> data shows that Black women between the ages of 35 to 49 are nearly six and a half times more likely to have been diagnosed with fibroids. Yet this crisis is largely silent outside the Black community. We need to fight for better healthcare to fight for our lives.</p>
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<p><strong>Save!</strong> Having <a href="https://www.oneunited.com/personal-banking/deposit-products/savings/">savings</a> is essential to meet any unexpected healthcare costs…but almost impossible to achieve if it’s not done automatically! Wealthy people know that if money goes in your pocket, it’s almost impossible to save. Therefore, an automatic savings plan that deducts money from your paycheck or bank account, before it goes into your pocket, must be part of your financial plan. Starting an automatic savings plan whether is $25/month or $300/month. See how quickly your savings can grow <a title="HERE" href="https://www.oneunited.com/personal-banking/save-for-life/">HERE</a>.</p>
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<p>Take the time now to catch up on your health and wellbeing incase the recession impacts your access to healthcare. <a title="Get recession proof now" href="https://www.oneunited.com/get-recession-proof-now/">Get recession proof now</a>!</p>
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<p><span style="font-size:12pt;"><strong>Get Started and Get the Card... The OneUnited Bank Account BLACK CARD! <a href="https://www.oneunited.com/referral/?MCL14" target="_blank">Sign Up HERE</a>!</strong></span></p>
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<p> </p></div>CASHPLEASE!https://exquisitepodcastradionetwork.ning.com/articles/cashplease2022-07-09T12:00:00.000Z2022-07-09T12:00:00.000ZExquisite Conglomeratehttps://exquisitepodcastradionetwork.ning.com/members/ExquisiteConglomerateCommunicationsLLC<div><img src="https://storage.ning.com/topology/rest/1.0/file/get/10631092700?profile=RESIZE_180x180&width=179"></div><div><p style="text-align:center;"><img src="https://www.oneunited.com/core/content/uploads/2022/07/2022-Q3-JUL-Featured-Blog-Image-CashPleae-JS-800x600.png" alt="CashPlease" width="800" height="600" /></p>
<h1 style="text-align:center;"><a title="6 Ways to Get Recession-Proof!" href="https://click.mail.oneunited.com/?qs=54b709bf5109a903bceac1c20fa0637d7af0639016f494ff72559971c9b23144e2a9733cdc4503cd207344600d37d98fe971828b842bbb52" target="_blank">We're Here for You!</a></h1>
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<p style="text-align:center;">Your search stops here! As the largest Black owned bank in the country, we understand unplanned or emergency expenses better than most banks. So, we offer a solution – <a title="CashPlease" href="https://www.oneunited.com/cash-please/">CashPlease</a>, a practical short-term loan, without a credit check.</p>
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<p><a href="https://www.oneunited.com/cash-please/">CashPlease</a> allows OneUnited Bank customers to access an affordable, short-term loan for up to $1,000. And it’s available 24/7, and once approved, loan funds are deposited within just 4 hours!</p>
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<p style="text-align:center;">We’re here to help you #BuildBlack on your terms, with a tool that works for you!</p>
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<p style="text-align:center;"><span style="font-size:14pt;"><strong>The Plague of Payday Loans</strong></span></p>
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<p style="text-align:center;">Many short-term loan options, like payday loans, are predatory. Historically, payday lenders, have targeted disadvantaged communities. Black Americans are at increased risk due to the higher number of check cashers located in our communities.</p>
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<p>Payday loans are designed to incur high-interest rates, expanding the <a title="#RacialWealthGap" href="https://www.oneunited.com/the-big-lie-about-the-racial-wealth-gap/">#RacialWealthGap</a> even further. We’re not talking about a 50% annual percentage rate (APR), we’re talking in the 200%-500% APR range! Of the <a class="disclaimer-open" title="12 million Americans" href="https://www.bankrate.com/loans/personal-loans/payday-loan-statistics/">12 million Americans</a> who take out payday loans every year, most cannot afford to pay them back on time.</p>
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<p style="text-align:center;">The <a title="gender wage gap" href="https://www.oneunited.com/myth-vs-reality-the-gender-pay-gap-is-real/">gender wage gap</a> is a key driver for women of color and their ability pay back loans. Black women make <a class="disclaimer-open" title="63 cents" href="https://blog.dol.gov/2021/08/03/5-facts-about-black-women-in-the-labor-force">63 cents</a>63 cents for every $1 their white male counterparts earn. Grossly underpaid, Black women need the ability to build and defend their credit! Yet payday lenders only report to credit bureaus if the loan is not repaid. A successful repayment experience is not reported.</p>
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<p style="text-align:left;"><span style="font-size:14pt;"><strong>The CashPlease Solution</strong></span></p>
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<p style="text-align:left;">OneUnited Bank helps our community #BuildBlack in two ways: by offering solutions built for us, by us, and by providing <a title="#FinancialLiteracy" href="https://www.oneunited.com/financialeducationcenter/">#FinancialLiteracy</a> resources so we can increase our financial knowledge and power. With <a title="CashPlease" href="https://www.oneunited.com/cash-please/">CashPlease</a>, you can avoid overdraft fees and pay less interest than traditional payday loans. And even though CashPlease loans are approved without a credit check, your repayment experience is reported to the credit bureaus, which can rebuild your credit!</p>
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<li>Apply 24/7</li>
<li>No credit check</li>
<li>90-day pay-off term</li>
<li>Loan amounts up to $1,000</li>
<li>Upon approval, loan funds deposited within 4 hours</li>
<li>Quick, secure, convenient.</li>
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<p>For new customers, take the step to join the financial institution you can trust, simply and quickly today!</p>
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<div class="vc_empty_space">For existing customers, to access CashPlease, simply login to online banking or our app, Select “Additional Services” or tap on “More”, then select CashPlease loan.</div>
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<div class="wpb_wrapper"><strong><a href="https://www.oneunited.com/referral/?MCL14" target="_blank"><br /><span style="font-size:12pt;">GET THE OneUnited CARD TODAY!</span></a></strong></div>
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<h2>Check out the OneTransaction Podcast</h2>
<p><strong>SUBSCRIBE</strong> to our free, highly rated OneTransaction Podcast to get actionable insights on homeownership, credit building, investments & savings, wills, life insurance, and more!</p>
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<td align="center"><a title="Listen to OneTransaction Podcast on Google Podcasts" href="https://click.mail.oneunited.com/?qs=54b709bf5109a9030464565ebe54bcce3fa4ecdd0aed56b416144a699d42547a9a6e86c01547efdbadff84b34d8fe8208799ae039653164315eedb591bdb01f5" target="_blank"><img class="CToWUd" src="https://ci6.googleusercontent.com/proxy/BZufDo2Yuo2xM0zGS2Rl2g1_w1jSgfvhb6iH41KVQIImo5xf7GQSFF1nxBXsHLkKJ9XpN5CiDcnNfL1r0XuvrVbNw0UjZjqzj4rwHvkMbx8h_1Hbh1Mt6adhmYQH0J7E9ZTNustdT1hbrDwOCiwTyrMVh0hgHgY=s0-d-e1-ft#https://image.mail.oneunited.com/lib/fe9113727c67047e73/m/1/a288e9a8-90a2-4df6-b7ef-8821f9fe7875.png" alt="Listen to OneTransaction Podcast on Google Podcasts" width="170" height="43" /></a></td>
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</div></div>Celebrate Juneteenth!https://exquisitepodcastradionetwork.ning.com/articles/celebrate-juneteenth2022-06-10T17:30:00.000Z2022-06-10T17:30:00.000ZExquisite Conglomeratehttps://exquisitepodcastradionetwork.ning.com/members/ExquisiteConglomerateCommunicationsLLC<div><img src="https://storage.ning.com/topology/rest/1.0/file/get/10560600091?profile=RESIZE_180x180&width=179"></div><div><table style="margin-left:auto;margin-right:auto;" border="0" width="600" cellspacing="0" cellpadding="0" align="center">
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<td align="left"><a title="OneUnited Bank" href="https://click.mail.oneunited.com/?qs=3415f660980cb77f42dbf98f6cc3d8671a9d8a7c4c3ca2f30b2f112a6e312e0da181e76491225e85f9a69ba7ed2e0fb159d5b38bb8cfbd5b1130d2df239df78e" target="_blank"><img class="CToWUd" src="https://ci4.googleusercontent.com/proxy/HWRVfaRpWSqfb9FHAmE6L7I_GJL8kuaLDAvkY3YS1qxBzYAFFgYIcS0GUfW_aG9H3Ku6wzJW99SOtO1Gzpc1G2l5wtFjr4FchM2u8IbQaLHd7Ub8KSwUUc1ynju204VFgkqyzWcfWESrq22eHYf56-AHsqFoDaY=s0-d-e1-ft#https://image.mail.oneunited.com/lib/fe9113727c67047e73/m/1/994ebd3c-995b-4b4e-9f5b-12fbece19810.png" alt="Seen, Heard, Celebrated | OneUnited Bank" width="600" /></a></td>
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<h1 style="text-align:center;"><a title="We're Hiring!" href="https://click.mail.oneunited.com/?qs=3415f660980cb77fa4c66fc73bb7bc7d5cd8d22dfc2da53cdc15c0d032f8ce420c3c6e9b4a9971f62a6245d1e97e665be38c41ee6e151032" target="_blank">Celebrate Juneteenth!</a></h1>
<p style="text-align:center;"><strong>You're invited to our BankBlack Facebook Live Event to celebrate Juneteenth taking place on Thursday, June 16, 2022 at 6 PM ET!</strong><br /><br />Meet our owners and Chairman & CEO, Kevin Cohee and President & COO, Teri Williams who will talk about our progress over the past year - based on your feedback - and the opportunities in the current economy. <strong>And we will answer your questions LIVE!</strong><br /><br />Simply click <strong><a title="HERE " href="https://click.mail.oneunited.com/?qs=3415f660980cb77f4cef95c77ba0ffee0c73182105c0f2cc2a60a3f7c1facdb5a657db818c77b2712c62a294466278b79a2211d0eebce519" target="_blank">HERE</a> </strong>or visit <strong><a href="http://www.oneunited.com/juneteenth2022" target="_blank">www.oneunited.com/juneteenth2022</a> </strong>for details!</p>
<p style="text-align:center;">*****</p>
<p style="text-align:center;"><em>We're proud to be the largest Black owned bank AND to be designated a Community Development Financial Institution (CDFI) by the US Department of Treasury based on <u><a title="our track record" href="https://click.mail.oneunited.com/?qs=3415f660980cb77f6081dae7506389d35cf8720e88cbb6af1c3f85f8a554c2f782d1591462190443988a8a6e0a69e246650e207e03d26fe8" target="_blank">our track record</a></u> for community development. We matter and your money matters. Spread the word!</em></p>
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<td bgcolor="#2E6FCC"><a title="Blog" href="https://click.mail.oneunited.com/?qs=3415f660980cb77fa79562a9ee3061a88ab7c0cce8f1c869872dbc6c7bf048bfcb9e6e5259d8aee23f656117cd014ebce7a04e8809a2f78aa103f8e8fef868cf" target="_blank">Learn More!</a></td>
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<p style="text-align:center;">Join The Family!</p>
<p style="text-align:center;"><a href="https://www.oneunited.com/referral/?MCL14" target="_blank">Go Here!</a></p>
<p style="text-align:center;"> </p>
<p style="text-align:center;"><a href="https://www.oneunited.com/referral/?MCL14" target="_blank"><img class="align-center" src="{{#staticFileLink}}10560602493,RESIZE_180x180{{/staticFileLink}}" width="100" alt="10560602493?profile=RESIZE_180x180" /></a></p></div>Introducing our Jingle Contesthttps://exquisitepodcastradionetwork.ning.com/articles/introducing-our-jingle-contest2022-06-02T12:00:00.000Z2022-06-02T12:00:00.000ZExquisite Conglomeratehttps://exquisitepodcastradionetwork.ning.com/members/ExquisiteConglomerateCommunicationsLLC<div><img src="https://storage.ning.com/topology/rest/1.0/file/get/10530959901?profile=RESIZE_180x180&width=179"></div><div><div class="post_image"><img class="align-center" src="https://www.oneunited.com/core/content/uploads/2022/05/2022-Q2-MAY-Featured-Blog-Image-OneUnited-Jingle-JS-800x600.png" alt="OneUnited Jingle" width="800" height="600" /></div>
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<p>OneUnited Bank is in search of a jingle with a $5,000 prize! We know our limitations – and as the largest Black owned bank in the country, creating a jingle is not our expertise.</p>
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<p>We asked <a class="disclaimer-open" title="Kevin Ross" href="https://youtu.be/DxvFdnFOvUc">Kevin Ross</a> for some ideas. His video – which is fabulous – sparked the idea to launch a jingle campaign on Tik Tok! Then <a class="disclaimer-open" title="Cam Anthony" href="https://youtu.be/agDhA91DYhM">Cam Anthony</a> stepped in with his creative genius. Thank you, Kevin, and Cam!</p>
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<p>So, today we launch the #OneUnitedJingle Contest with a $5,000 prize! Show us what you got…on Tik Tok…or Facebook, Instagram, or YouTube! You must use #OneUnitedJingle to qualify. See <a title="Official Rules" href="https://www.oneunited.com/disclosures/OneUnitedJingle_Official_Contest_Rules_Final.pdf">Official Rules</a>.</p>
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<p>If you're ready to #BankBlack with OneUnited Bank, then open an account today!</p>
<p>Open Your <strong><a title="https://www.oneunited.com/referral/?MCL14" href="https://www.oneunited.com/referral/?MCL14" target="_blank">OneUnited Personal Bank Account </a></strong></p>
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<h4 class="latest_post_title"><a href="https://www.oneunited.com/unsecured-cards-vs-secured-cards-5-things-you-need-to-know/">UNSECURED CARDS VS. SECURED CARDS: 5 THINGS YOU NEED TO KNOW</a></h4>
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<div class="latest_post_categories">in <a href="https://www.oneunited.com/blog/secured-credit-card-blog/">Secured Credit Card Blog</a></div>
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</div></div>BankBlack Card with No Monthly Fee!https://exquisitepodcastradionetwork.ning.com/articles/bankblack-card-with-no-monthly-fee2022-04-01T16:00:00.000Z2022-04-01T16:00:00.000ZExquisite Conglomeratehttps://exquisitepodcastradionetwork.ning.com/members/ExquisiteConglomerateCommunicationsLLC<div><img src="https://storage.ning.com/topology/rest/1.0/file/get/10249487692?profile=RESIZE_400x&width=230"></div><div><p style="text-align:center;"><a href="https://ci4.googleusercontent.com/proxy/nXV8gjYnF96YWNZWsSV3kD6Xfz7yLu9sbQrnBjP74IjykBp2R_8WSi42CgUdhrjW8NTnVzK8IhLC20p8DO0Xr0Z0V1Y8622jSV9EWkHEic1_5BH2_xnQ21IkrS6_1-Y1wHjQ8zM7Bv4QxqoecvxSDfgPu2qN7Bw=s0-d-e1-ft#https://image.mail.oneunited.com/lib/fe9113727c67047e73/m/1/9d75452e-a7c9-4824-bbff-f6a62d96106d.png" target="_blank"><img class="align-center" src="https://ci4.googleusercontent.com/proxy/nXV8gjYnF96YWNZWsSV3kD6Xfz7yLu9sbQrnBjP74IjykBp2R_8WSi42CgUdhrjW8NTnVzK8IhLC20p8DO0Xr0Z0V1Y8622jSV9EWkHEic1_5BH2_xnQ21IkrS6_1-Y1wHjQ8zM7Bv4QxqoecvxSDfgPu2qN7Bw=s0-d-e1-ft#https://image.mail.oneunited.com/lib/fe9113727c67047e73/m/1/9d75452e-a7c9-4824-bbff-f6a62d96106d.png" alt="9d75452e-a7c9-4824-bbff-f6a62d96106d.png" /></a></p>
<p style="text-align:center;"><span style="font-size:12pt;">We offer the new Greenwood Card,</span></p>
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<p style="text-align:center;"> </p></div>3 Benefits of Black Bankshttps://exquisitepodcastradionetwork.ning.com/articles/3-benefits-of-black-banks2022-02-04T13:00:00.000Z2022-02-04T13:00:00.000ZExquisite Conglomeratehttps://exquisitepodcastradionetwork.ning.com/members/ExquisiteConglomerateCommunicationsLLC<div><img src="https://storage.ning.com/topology/rest/1.0/file/get/10069362059?profile=RESIZE_400x&width=230"></div><div><p style="text-align:center;"><img src="https://www.oneunited.com/core/content/uploads/2022/02/2022-Q1-FEB-Featured-Blog-Image-Black-Banking_1-800x600.jpg" alt="BlackBanking" width="800" height="600" /></p>
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<p style="text-align:center;">As the largest Black owned bank in the country, OneUnited Bank defines Black Americans by our assets instead of our challenges. That’s the framework we use to explain the untold history of Black owned banks and the 3 reasons they’re important.</p>
<p style="text-align:center;"><span style="font-size:12pt;"><strong>The Untold History of Black Owned Banks</strong></span></p>
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<p><strong>Before the Civil War</strong> – There were discussions about starting Black-owned banks to create more economic opportunity for free Black Americans and stand as powerful symbols in the fight against slavery even before the Civil War. Given the oppressive environment, these earliest visions could not be realized at that time. <em>Still, we rise</em>.</p>
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<p><strong>After the Civil War</strong> – Black Americans were shut out of American banks, even after the Civil War. Instead, the credit used by the Black community to establish businesses and help families was provided through non-traditional channels, such as wealthy individuals or cooperatives with limited success. <em>Still, we rise</em>.</p>
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<p>In 1865, a bank was established to serve Black Americans – known as <a class="disclaimer-open" title="Freedman's Savings Bank" href="https://en.wikipedia.org/wiki/Freedman's_Savings_Bank">Freedman’s Savings Bank</a>, which opened 37 branches over 17 states and had 67,000 depositors. It came under the control of white financiers, who used the bank’s resources to fund speculative investments, losing the life <a href="https://www.oneunited.com/personal-banking/deposit-products/savings/">savings</a> of thousands of Black depositors. <em>Still, we rise</em>.</p>
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<p>Between 1888 and 1934, 134 Black owned banks were formed to help the Black community overcome challenges and serve as an important source of credit while also providing training and jobs. In 1906, the <a title="Greenwood" href="https://www.oneunited.com/greenwoodcard">Greenwood</a> District of Tulsa, Oklahoma, also known as <a title="Black Wall Street" href="https://www.oneunited.com/ga/black-wall-street/">Black Wall Street</a>, had a Black bank and was one of the most prosperous Black communities in America. It was burned to the ground by white supremacists. <em>Still, we rise</em>.</p>
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<p>Black banks offered the benefits described by <a class="disclaimer-open" title="Maggie Lena Walker" href="https://en.wikipedia.org/wiki/Maggie_L._Walker">Maggie Lena Walker</a>, the first Black woman to charter a bank:</p>
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<h1>Let us put our moneys together. Let us use our moneys; let us put our moneys out at usury among ourselves and reap the benefit ourselves. Let us have a bank that will take the nickels and turn them into dollars.<br /> —Maggie Lena Walker</h1>
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<p><strong>After the Civil Rights Movement</strong> – Black Americans have made historic progress overcoming 250 years of slavery, 100 years of Jim Crow and only being legally free for 50 years, since the Civil Rights Act was passed. Although the number of Black owned banks has varied over the years, their focus on turning “nickels into dollars” and “putting our money to reap the benefits ourselves” has never wavered. <em>Still, we rise</em>.</p>
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<div class="vc_empty_space" style="text-align:center;"><span style="font-size:12pt;"><strong>3 Reasons Black Banks are Important</strong></span></div>
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<p>The <a class="disclaimer-open" title="history of Black owned banks" href="https://www.fedpartnership.gov/minority-banking-timeline/milestones">history of Black owned banks</a> is well documented, but the benefits have not been well explained. Simply stated, here are 3 benefits:</p>
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<p><strong>Black banks have been turning “nickels into dollars” since the 1800s.</strong> Imagine if there were never Historically Black Colleges and Universities (HBCUs) or organizations like the NAACP and Urban League, that fight for civil rights. Similarly, imagine if there were never any Black owned banks. Black American progress is strengthened by our collective organizations.</p>
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<p><strong>Black banks serve Black people.</strong> In neighborhoods created by discriminatory practices like redlining, Black-owned banks are often the only source for reasonable, fair, and non-predatory lending. Black-owned banks deploy resources that uniquely address the needs of the Black community, like <a title="2-day early pay" href="https://www.oneunited.com/earlypay/">2-day early pay</a>, <a title="short term" href="https://www.oneunited.com/cash-please/">short term</a>, <a title="small dollar loans" href="https://www.oneunited.com/cash-please/">small dollar loans</a> and <a title="real estate secured lending" href="https://www.oneunited.com/loans/">real estate secured lending</a>, in minority communities without the baggage of discrimination.</p>
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<p><strong>U.S. banks do not well serve the Black community.</strong> <a class="disclaimer-open" title="49 percent of Black households were underbanked or completely unbanked" href="https://www.federalreserve.gov/publications/2019-economic-well-being-of-us-households-in-2018-banking-and-credit.htm">49 percent of Black households were underbanked or completely unbanked</a>, compared to just 15 percent of white households in 2019, according to the Federal Reserve. The US Census Bureau’s Annual Survey of Entrepreneurs found that Black families are <a class="disclaimer-open" title="rejected for credit" href="https://www.census.gov/programs-surveys/ase.html">rejected for credit</a> at twice the rate for white applicants.</p>
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<div class="vc_empty_space" style="text-align:center;"><span style="font-size:12pt;"><strong><a href="https://www.oneunited.com/referral/?MCL14" target="_blank">OPEN YOUR BLACK WALLSTREET</a></strong></span></div>
<div class="vc_empty_space" style="text-align:center;"><span style="font-size:12pt;"><strong><a href="https://www.oneunited.com/referral/?MCL14" target="_blank">OneUnited Bank Account Now!</a></strong></span></div></div>Focusing on our collective resources to build the New Black Wall Street in 2022...https://exquisitepodcastradionetwork.ning.com/articles/focusing-on-our-collective-resources-to-build-the-new-black-wall-2021-12-24T14:00:00.000Z2021-12-24T14:00:00.000ZExquisite Conglomeratehttps://exquisitepodcastradionetwork.ning.com/members/ExquisiteConglomerateCommunicationsLLC<div><img src="https://storage.ning.com/topology/rest/1.0/file/get/9936597855?profile=RESIZE_400x&width=230"></div><div><p style="text-align:center;"> </p>
<p style="text-align:center;"><img src="https://www.oneunited.com/core/content/uploads/2021/12/2021-Q4-DEC-Featured-Blog-Image-Kwanzaa-RMH-v2-800x600.png" alt="Kwanzaa" width="800" height="600" /></p>
<p style="text-align:center;"><span style="font-size:12pt;">Here are the 7 Principles of #Kwanzaa</span></p>
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<li><strong>Umoja: Unity (December 26)</strong> Umoja (oo-MO-jah), the first Principle, means Unity. We are stronger when we <a href="https://www.oneunited.com/customer-service/">support</a> each other, Black businesses, organizations and allies that support the Black community! Simply put, it takes unity to build the new Black Wall Street!</li>
<li><strong>Kujichagulia: Self-Determination (December 27)</strong> Kujichagulia (koo-jee-chah-GOO-lee-ah) is to define, create and speak for ourselves. At OneUnited Bank, the <a title="largest Black-owned bank" href="https://www.oneunited.com/">largest Black-owned bank</a> in America, we choose to define the Black community by our assets, such as our $1.3 trillion in annual spending and our contributions to the world, rather than our challenges.</li>
<li><strong>Ujima: Collective Work and Responsibility (December 28)</strong> Ujima (oo-GEE-mah) reminds us of the need for teamwork. We can succeed when we take collective responsibility for the success of our community. We can only achieve social justice if we stand together. #BlackLivesMatter.</li>
<li><strong>Ujamaa – Collective Economics (December 29)</strong> Ujamaa (oo-JAH-mah) teaches us to #BuyBlack and #BankBlack to benefit our community. Let’s circulate our dollars within our community first, to provide jobs, close the racial wealth gap and build community wealth.</li>
<li><strong>Nia: Purpose (December 30)</strong> Nia (NEE-ah) encourages us to find our purpose in life. For OneUnited Bank, our purpose is to close the racial wealth gap. You can focus on the <a title="#OneTransaction" href="https://www.oneunited.com/one-transaction-can-close-the-wealth-gap/">#OneTransaction</a> you need to close the racial wealth gap for our family. Our goals are beneficial not only to ourselves, but also our community.</li>
<li><strong>Kuumba: Creativity (December 31)</strong> Kuumba (koo-OOM-bah) means channeling our creative energies to build and preserve a strong community. The world does not move without Black creativity…and we need to benefit from our creative contributions to the world! <a title="OneUnited Bank is investing in NFTs" href="https://www.oneunited.com/oneunited-bank-to-purchase-nft-to-honor-legacy-of-josephine-baker/">OneUnited Bank is investing in NFTs</a> in honor of <a title="Josephine Baker" href="https://www.oneunited.com/introducing-josephine-baker-entertainer-spy-hero-activist/">Josephine Baker</a> to show how technology and art are coming together to create the new Black Wall Street.</li>
<li><strong>Imani: Faith (January 1)</strong> Imani (ee-MAH-nee), or faith, focuses us on honoring our spiritual traditions. When almost everyone has lost a close family member or friend, we must rely on our faith to help us through this difficult time. Imani is about faith in God and ourselves – which is the best concluding Principle for Kwanzaa.</li>
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<h5 class="author_name" style="text-align:center;">ONEUNITED BANK</h5>
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<p style="text-align:center;">Our community’s dream is now a reality! OneUnited Bank is fulfilling the hundred year old civil rights dream by garnering the savings power of our communities and channeling it back into urban communities for economic development. With your support by simply opening an FDIC insured account with great rates, we will continue to accomplish this dream everyday!</p>
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<p style="text-align:center;"><span style="font-size:14pt;"><strong><a href="https://www.oneunited.com/referral/?MCL14" target="_blank">Start Your OneUnited Bank Account NOW!</a></strong></span></p>
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