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NorthOne Review

Run your business seamlessly

Reviews 126

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NorthOne

Great

Reviews 126

Visit Site

Michael Graw

Nov. 15, 2022

1 min read

NorthOne Summary

NorthOne offers small business checking accounts with modern features. You can integrate your checking account with accounting software, eCommerce networks, and more, plus pay bills directly from your account. NorthOne also enables you to create an unlimited number of Envelopes to set aside money for payroll, taxes, or savings goals.

Pros

No minimum balance requirement
Integrate with accounting software
Access a network of 2M+ ATMs

Cons

No interest on deposits
No physical branches

NorthOne at a glance

8.8

Editorial score

Fees?

Yes, low fees

6.0

Security

FDIC insured and SSL/AES encrypted account

10.0

Customer service

Early morning, evening and weekend service with multiple communication options and a dedicated fraud team

8.0

Online experience

Excellent user friendly site with transparency of rates and full online banking capabilities

10.0

Mobile experience

Excellent mobile app with all mobile banking features enabled, including digital check deposits

10.0

NorthOne Visit NorthOne

Advantages Over Traditional Banks

NorthOne doesn’t require a minimum account balance and charges a straightforward $10 monthly fee that includes unlimited transactions in your account. The bank also keeps wire transfer fees to a minimum, charging just the cost of the wire without an extra markup. In addition, NorthOne gives you access to a nationwide network of over 1,000,000 fee-free ATMs and includes features like online bill pay, mobile check scanning, and integrations with popular accounting, eCommerce, and point-of-sales software.

Cutting-Edge Banking Services

One of the major features that differentiates NorthOne is that this bank allows you to create an unlimited number of Envelopes within your main checking account. This helps you set aside money for things like payroll, taxes, or big equipment purchase. You can move money into Envelopes manually, or set up recurring transfers to make saving money automatic.

NorthOne also offers integrations with a variety of software platforms, including accounting software like Quickbooks, Freshbooks, and Xero, payroll software like ADP and Gusto, and eCommerce platforms like Shopify, Amazon, and Etsy. You can also sync your NorthOne account with payment services such as PayPal, Square, and Stripe to easily move money around your business.

Traditional Banking Services

NorthOne doesn’t have physical branches, but it does have a network of over 2,000,000 ATMs in the US that you can use for free. You can deposit cash at these ATMs as well as withdraw funds, which many online banks don’t allow.

Interest Rates and Fees

NorthOne charges a flat fee of $10 per month for its checking account. You must deposit $50 to open a new account, but after that there’s no minimum balance. NorthOne also charges $15 for sending and receiving domestic wires. NorthOne does not charge customers overdraft or NSF (non-sufficient funds) fees.

After comparing data, it turns out that despite the monthly and wire transaction fees, Northone active users tend to save more in the long run compared to "free account users because there are no hidden fees.

Customer Service

NorthOne offers customer support by phone, email, and live chat from 8:00 AM to 1:00 AM ET, 7 days a week. You can access chat support from inside the NorthOne mobile app or schedule a callback time for phone support.

Email: support@northone.com

Mobile App

The NorthOne mobile app enables you to monitor your account, send payments, manage Envelopes, and scan checks for deposits. You can also use the app to create invoices, view a report of your business’s cash flow, search through past transactions, or find a fee-free ATM near you. The NorthOne app can also be linked with your debit card to support Google Pay or Apple Pay.

Security

NorthOne uses bank-level encryption to secure your account details and keep your funds secure. You can opt-in to receive SMS notifications every time a transaction is made using your debit card, although you’ll need to contact the bank to lock your card if it’s lost.

In addition, NorthOne accounts are insured by the FDIC for up to $250,000.

NorthOne Visit NorthOne

Summary

NorthOne checking accounts for small businesses are packed with modern features to help you run your business more seamlessly. You can divide your account into Envelopes to earmark funds for important things like payroll or taxes. The bank also supports integrations with popular accounting, payroll, POS, and eCommerce software. NorthOne doesn’t have physical branches, but it offers a network of 1,000,000 fee-free ATMs. You can open an account for $10 per month and there are no balance requirements to keep track of.

Methodology

This review was created using information from NorthOne’s website and a chat with NorthOne’s customer support.

Written by

Michael Graw

Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

Trustpilot reviews

See what some customers are saying about NorthOne

Great

•

Reviews 126

Excellent

40%

Great

Average

Poor

Bad

46%

jennifer mitchell

18 days ago

Amazing!

One of my business accounts was randomly closed by BBVA for no reason even though I’ve been doing business with them for 2 years. Was able to open a north one account in 10 minutes. Really appreciate the speed of the team in helping me out. And the app is great so far, highly recommend.

tiffany grady

8 days ago

My Account is apparently being…

My Account is apparently being suspended for a .28 cent and 0.9 cent transaction that I did not do. Instead of this company calling me first to discuss the transactions they just froze my account all together. DO NOT COME TO THIS BANK!!!!! They charge you a $15 a month maintenance fee just as long as you're paying this fee they don't bother your account. But if you miss they make up an excuse to close your account. Don't waste your time on this account. So yes please close the account. I will never do business with this bank again. Its one thing to do an account audit but then to ask your consumer to provide all of their customer contracts is completely absurd. Thanks but no thanks. You can close it. I will take my business elsewhere. Arely from NorthOne 3:24 PM (1 hour ago) to me Hello Tiffany, We recently identified that you received or attempted to receive credits in the amounts of $0.28 and $0.09 from Wells Fargo addressed to a third-party individual that is not listed on your Account. As such, we have rejected the ACH transfer and returned it back to the sender. Additionally, we have decided to suspend your Account until an Account review is completed. In order to proceed with unlocking your Account, we need to request some further information: Relationship to the third party Letter from the 3rd party authorizing ACH credits in their name to your Account Copy of the Third-Party's unexpired State ID or Driver’s License. (Front/Back) Please provide a picture of the third-party individual holding the ID document, with the picture and their face clearly visible along with the letter Please attach 2-3 invoices or contracts within the last 3 months from clients or suppliers for services that you have provided All financial service companies are required to evaluate their products, services, and customers periodically. Based on our review, we may choose to discontinue certain products, services, and, in some cases, customer relationships. Please provide all requested information no later than 10/05/2023 to avoid having your NorthOne Account closed. We appreciate your assistance! Thank you, The Account Services at NorthOne Inc

kendall kuhlman

11 days ago

Been great so far

Quick to setup and easy to use,all I need

eboni andrews

24 days ago

THIS BANK HAS GOTTEN MY 2 YR OLD BIZ…

THIS BANK HAS GOTTEN MY 2 YR OLD BIZ WHERE IT IS TODAY

christina collins

a month ago

Simple!

Transparent prices. Easy to use. Working as it should be!

sam douglas

a month ago

Northone is the ideal business banking…

Northone is the ideal business banking account for entrepreneurs just starting out. The services are great.

hope moore

24 days ago

Best company account, very happy with NorthOne

Very happy with NorthOne so far. I started my company a few months ago and it was so hard to open an account with my local banks. They’re constantly releasing new features ( Revenue features is awesome with Amazon!) and improving the app. Much appreciated guys!

rachel fugate

a month ago

Good bank

Good bank. Easy to use and the customer support team is very responsive.

addyson calvin

2 months ago

Excellent online bank

Decent online bank. The most useful tool is the ability to email n1 and have invoices immediately paid. reduces the amount of work I put into accounting

divine dawson

3 months ago

I love this bank

I love this bank. I do wish they bring back the debit card deposits. I'm in a wheelchair and it's difficult at time for me to get to payment locations to make deposits. Other than that yiu are perfect for our business.

benjamin thomas

3 months ago

NorthOne's commitment to excellent…

NorthOne's commitment to excellent customer support is commendable. Kudos to their team!

james michael

3 months ago

NorthOne is perfect for running an…

NorthOne is perfect for running an online business (I run an etsy store). Great integrations with etsy

valentina

4 months ago

Massive improvements

Massive improvements. Seems like the product is evolving very quickly. Looking forward to seeing what's in store.

jonathan green

5 months ago

Their invoice system said “free…

Their invoice system said “free forever” but then they suddenly shut it down and locked me out. They are refusing to give me my lost account information. The person I emailed with did not give a you know what about me or my business. Why would anyone trust these people with their money if they can’t even preserve your account information

adam

5 months ago

After review, we have decided to close your Account.

I am amazed by the company! Do not contact! This company is a scammers! There are 19,000 dollars left in the account! Just took and closed the account! Hello ADAM, After review, we have decided to close your Account. All financial service companies are required to evaluate their products, services and customers periodically. Based on our review, we may choose to discontinue certain products, services and, in some cases, customer relationships. As stated in the Deposit Account Agreement, the decision to exit your relationship is based on the overall evaluation of your account. Note that if there are funds in your Account, after review, we will return any funds that are deemed valid to you by check to the mailing address we have on file. Thank you, Account Services NorthOne inc ---- Banking services provided by The Bancorp Bank, N.A., Member FDIC. Fergal NorthOne Hello ADAM, We have decided to suspend your account until an Account review is completed. Please respond by 05/03/2023, or your Account may be closed. Can you please attach 2-3 invoices or contracts within the last 3 months from clients or suppliers for services that you have provided? Please provide the business purpose behind the PAYPAL, TRANSFER occurring to your NorthOne Account along with any supporting documentation Additionally, please answer the following questions about your business: How do you usually obtain your customers (for example, online advertising, word of mouth, fliers, etc)? Where can we find more information about your business (for example, business website, social media, etc)? Is there anything else we should know about your business? All financial service companies are required to evaluate their products, services and customers periodically. Based on our review, we may choose to discontinue certain products, services and, in some cases, customer relationships. We appreciate your assistance! Account Services NorthOne Inc ---- You received this email because you signed up for a NorthOne account at northone.com. Banking services provided by The Bancorp Bank, N.A., Member FDIC. Seen• Fergal NorthOne

shindon bolling

5 months ago

So far it’s okay

So far it’s okay, had a deposit issue that took days to remedy

vee

6 months ago

I love this bank

I love this bank. It's quick and you don't have a long wait time to speak with someone.

6 months ago

STAY AWAY!!!!

If I had a chance to give them 0 stars I would! STAY AWAY FROM THIS BANK AT ALL COSTS!!! I worked very hard for monthsssssss with Medicare to start receiving payments and the second my first payment came in they automatically suspended my account and I gave them all documentation they asked for to remove the suspension off and after sending everything they respond to me saying sorry we are closing your account I reply back to them writing a nice paragraph they stopped responding to my emails, but when I was emailing them prior they were quickly responding after my paragraph they completely stopped responding to me I work with patients I work with the government Medicare and HMO insurances I work with terminally ill patients and I work with vendors, Nurses, DME & Supply that are expecting payment for their services they’ve provided for my patients and now I have to reach back to Medicare and start the process again thank you northone for all my cost loss and they will definitely hear from my attorney

terrance wyatt

6 months ago

Beware of Northone !

On Friday March 17th 2023 I was notified without any prior warning or notice that my business bank account had been suspended. My funds were frozen and I was locked out my account. I received an email from Northone stating "We have decided to suspend your account until an account review is completed." I was told I needed to submit a questionnaire, invoices explaining my business, and information on my other bank accounts in order to continue to use their services. The bank had been fully aware of my line of business for more than a year after signing up and I operated my account the same way until this day. According to them this is something "all financial services companies do". No other bank has ever attempted this that I have dealt with. It was not until I threatened them with legal action that they immediately unlocked my account. Numerous payments that I had tied to my account were missed causing me to work over the weekend to rectify the situation and use my other bank accounts that I thankfully had for my business. Judging by complaints here on BBB this has happened recently to many of their customers. I have no desire to do business with this bank especially with their services being offered through the The Bancorp Bank Holding Company which is being sued by investors for similar liquidity issues that recently brought down Silicon Valley Bank.

jason signor js

6 months ago

Mostly awesome!!

Mostly awesome!!! Two change that would really help: (1) I'd like for the Deposit Account to show an account balance column on the right as all banks have this; (2) I'd like to see the account history for Deposit Account and folders in a page-by-page view instead of continuous scroll. Sometimes it takes a long time to scroll to where I need to get. Yes, I know there is a Filter option. However, all banks I know of give a paging option. E.g., options to: (a) view x number of transactions per page; (b) at bottom of page provide page number links 1 2 3 4 5 6 7 8 9 10 etc. THANK YOU!!! :)

steve g

8 months ago

Avoid this bank at all costs - updated

Avoid this bank at all costs. For a small business, They allowed the account to remain open for months without any issues, then just emailed saying they are closing it with no explanation, but took their monthly fee first. As a small business this is a warning to other small businesses. Avoid this company Reply to the response: No they didn't communicate the reason at all. My point still stands. A message to any small business owner. Use a high street bank do not use these online digital private banks. In my 30 years of banking I have never had a brick and mortar banks close an account, Digital bank, 2 in the last 12 months. The first one I am still waiting for the funds to be released

meta property

10 months ago

Company closed account 9 months ago and…

Company closed account 9 months ago and still hasn’t sent my funds.

jeremy fenceroy

10 months ago

Extremely disappointing all around

Extremely disappointing all around. Sign up was painful as their website is consistently very slow and when I needed help getting the account setup neither phone nor chat help was available. I eventually got the account set up with email assistance and was immediately smacked with their $10 fee. As I had just opened the account and was not feeling great about the experience so far I requested the $10 fee be waived for that first month. They apparently really like their $10 more than they do clients because they adamantly refused after repeated requests. I found every interaction with this company and its employees to be disappointing and am not at all surprised at the overwhelming number of negative reviews. Should have read the reviews first.

brian turner

a year ago

Stay away from this "bank"!!!

Stay away from this "bank"!!!! BTW they are not a bank. They are a financial technology company ...essentially an app. You cant call anyone, you have to make an appointment thru the app and generally appointments are not available the same day. I opened this account, made a cash deposit to open. Then made a check deposit to test the system out ( for hold times etc). They immediately rejected the check ( no reason given) -cash was fine thou- and locked the account! Now the cash deposit is not available for withdrawal. they sent an email to answer alot of questions about my business. People, one of the questions was how do we get clients? - are you kidding me!!? Um, none of your business. They charged the 10.00 fee immediately upon depositing the cash . This appears to be a scam to charge a fee. My guess is they will hold the cash deposit and will finish "the review" after they charge more fees against the cash deposit. I only deposited 100.00 cash - which is now frozen. Imagine if you deposited a larger amount and then they just decide to block the account and its next to impossible to speak to someone. STAY AWAY. or your money could be frozen for no apparent reason and then they will ask you to answer 100 questions ( personal questions) about your business. Almost like they would then use the info for other purposes. Very sketchy. NORTHONE I would suggest you unblock the account or you'll spend your time doing damage control on posts like these.

sandra cook

a year ago

I would not recommend this Bank they will rip you off

I would not recommend this Bank. I open up this account 09/16/2022, less than a month they charged me $10.00 fee on 10/04/2022, and then on 10/25/2022 they charged me another $10.00 fee. It is very hard to get ahold of them by phone, so you have to send a chat and most time the reason are not there. My account is closed now. I had 47.17 in that account because I deposit $40.00. now it was left at $37.17. They took my $10.00 on 10/25/2022. I want my money refunded. Now they are saying they will not give me a refund. Ya'll is pathetic stilling people money and putting in your pocket. The next step is Attorney General office or seek to sue them over $10.00. I got their response; you sure know how to clean up your reason, it to make it look like its customer fault. You still a rip off company.

kevin

a year ago

They will lock your account and accuse you of stealing and depositing checks as soon as you make your first large deposit so they can lock your account. They are a scam

My account has been locked for 48 hours. I have not been able to talk to a person nor gotten any responses to the 8 emails I have sent to "customer support" I DO NOT recommend trusting NorthOne with your small business banking. I will never use an online only bank again. Its been a terrible experience and not worth $15/month in banks fees I was going to save. If you want access to your funds DO NOT trust NorthOne with them. They are liars, they replied once on Facebook that they emailed me. I guess its somewhat true I got 4 emails asking me to refer new customers to them. But 0 emails or communication regarding my locked account or their outright ignoring me for 48 hours. They will steal your money for no reason and ignore your attempts to contact them. On a side note its probably not great marketing to ask for referrals from someone you just stole money from and are now ignoring. But I did listen and have been giving feedback about how they stole my money are now ignoring me to anyone looking for a new bank. **** I deposited a business check from a fortune 500 company into my business checking account. 5 days after locking account they now want me to prove that check was actually paid to me. They want invoices, They asked how I got the check, like did I find it and randomly try cashing it? It's written to my business from a business there is no suspicious activity. Yet they come at me as though I stole the check and am cashing a check that isn't mine. More so than ever I believe NorthOne is a scam and out to hurt small business. DO NOT trust them with your money. I have no idea how long it will take me to prove my businesses money is mine and get it back. They will ignore you and make you jump through circus hoops to prove your money is yours. ***** I still do not recommend NorthOne, my entire experience was terrible and their random locking of accounts for illegitimate and illegal reasons can destroy a small business. I received my check for the funds in my were in my account via 2 day UPS so they can get your money back to you in a timely manner. If you make enough noise. I commented on the CEO's linkedin page and posted public comments on facebook posts to finally get them responding to me. I promised to continue commenting publicly until I had my money returned.

jamal ali zanjani

a year ago

These people are just simply pathetic I…

These people are just simply pathetic I was using my account very peacefully, and suddenly when I deposited a check, they suspended my account and told me if I provided all detail, they would reinstate I provided everything they asked for, and still, they closed my account they don't answer my email, and when I try to contact support no one answer I have more then $20K in my account,t and they are not giving my money back they don't answer I want them to send me my money through wire transfer or Ach transfer I need my money back right now that is a very pathetic approach by them I want my money back otherwise I am opening a case through a lawyer I told them i have an issue of receiving a check on my mail address and they don't answer

jms

a year ago

I don't recommend banking with…

I don't recommend banking with NorthOne. I had a shaky experience opening the account and an even worse experience closing it (which I'm still in the process of 3 months later). Go to a legitimate bank.

ann myers

a year ago

I WOULD NOT RECOMMEND THIS BANK TO A…

ARE YOU KIDDING THAT RESPONSE WAS I TRANSFERRED MONEY OUT OF MY SQUARE ACCT TO NORTHONE IN THE AMOUNT OF 422.08 ON JUL 11 ON JUL 15 YOULL CLOSE MY ACCT THAT MONEY WAS NEVER RETURN TO ME SO NOW YOU ARE TELLING A LIE I CAN SHOW THAT UP TO JUL 15 I DEPOSITED OVER 900 FROM MY SQUARE ACCT IF I COULD UPLOAD THE TRANSFER RECEIPT THAT I HAVE I WOULD SHOW YOU SOMEONE WHOS STUPID AND DONT KNOW I HAD MONEY IN THAT ACCT

abraham

a year ago

NorthOne will not care to give you a good experience and I highly advise to steer away from them.

NorthOne sucks, they really do. They will make it so difficult to get proper help and will disregard your inquiries or any concerns. They will scam, do not trust them. It took time for my account to get set up and for my card to be received and I asked that the month not start until everything was ready and finalized but they went on charging me. I didn't like the services and the lack support and perks they offered so I asked them to stop charging me per month and close my account at this point. They instead have continued to charge me per month and have drained the account even though I asked to to stop and close my account. There customer support is practically non existent and it feels as if they are trained to avoid you instead of help you. Imagine that!!! I have been trying to reach customer service through their online chat portal and have no luck. It takes an hour to get connected then to send one message. I also looked for their phone support and have gotten nowhere. Nonexistent! They are so beyond ridiculous and deserve negative starts not even one star. I expect them to read this and fix this terrible experience or I will file a complain and not just a review. :This is a follow up edit on the review after NorthOne decided to respond.: I clearly asked on April 29th to stop getting charged fees. I did not receive any reply or help for that request. NorthOne are conveniently making themselves seem like they did the right thing and I have emails showing that to be a lie. Nice try but I stand by my review and am disgusted by NorthOne services and lies. Be ashamed of yourselves. This follow up response is a joke just like your terrible lack of customer support and your extravagant ways of wasting consumers precious time. Pay me back my hard earned money and scam yourselves in bankruptcy. Cheaters!

tiwana perkins

a year ago

IF I COULD RATE ZERO STARS I WOULD

IF I COULD RATE ZERO STARS I WOULD! THIS IS ABSOLUTELY THE WORST POSSIBLE ONLINE BANK FOR SMALL BUSINESS OWNERS!! I OPENED AN ACCOUNT A MONTH AGO AND LITERALLY JUST SUBMITTED MY FIRST MOBILE CHECK DEPOSIT! OUT OF THE BLUE THIS ASS CRACK OF A COMPANY CLOSED MY ACCOUNT AND LOCKED ME OUT OF MY ACCOUNT!!!!!!!!!! ALL WHILE THE CHECK IS IN PROCESS OF BEING CLEARED!!! HAD 4 MORE DAYS UNTIL FUNDS WOULD BE AVAILABLE AND THEY ARE GIVING ME UNTIL 9/05 TO CLEAR OUT ANY BALANCES IN MY ACCOUNT! WELL HOW TF AM I SUPPOSED TO DO THAT WHEN MY ACCOUNT IS LOCKED! AND THEY MAKE IT HARD FOR ACCOUNT OWNERS TO CALL THEM OR CONTACT THEM!! STAY AWAY FROM THIS COMPANY!! THEY WILL LOCK YOUR MONEY AWAY WITH NO ACCESS TO THE FUNDS AND SUSPEND ALL POSSIBLE WAYS TO CLEAR YOUR ACCOUNT! I AM SO PISSED OFF RIGHT NOW BECAUSE I SHOULD HAVE TOOK HEED TO THE NEGATIVE REVIEWS BEFORE I EVEN CONSIDERED THEM!!!! GO TO BLUEVINE OR ANY OTHER BANK! BUT NOT NORTHONE!! AND I WANT MY MONEY BACK FROM THE CHECK I DEPOSITED! YOU GUYS HAD NO REASON AT ALL TO SHUT MY ACCOUNT DOWN!!!!!!!!!!!!!!!!!

constance saldivar

a year ago

most worst bank so far

olga barradas

a year ago

North One will scam you if you refer others

I signed up for NorthOne about a month ago. All was going well until I was notified one day that my referral link had been removed and more information was requested about my business. Confused about this I replied back to NorthOne that I had already provided the requested information during sign up and was only told, "All banks occasionally review customer accounts...". I still found this odd, but complied with their request and provided the requested information the next day. After I provided the information, I was told "Your referral link has been removed and will not be reactivated" in spite of me providing everything they asked for. When I inquired why I was being treated with such disdain and accusatory nature, the support only replied that they could not tell me why my link was revoked, and simply referred me to their terms of service. I read over the terms and nothing in them applied to me in any way. This occurred after I referred two people who are also small business owners to the bank. It appears they removed my link so that they would not have to pay the referral bonuses. Having not broke ANY of their rules or terms this is the only logical explanation. I've never in my life seen such scamming tactics utilized by a legitimate bank. It's shameful. edit: After reading some of the other reviews, I feel slightly better to know that I wasn't singled out and that NorthOne is just an awful scam ridden bank. I find it amusing they have this canned response: "All financial service companies are required to evaluate their products, services and customers periodically." (I also received this response when engaging with customer service via email). My Lili small business banking account has never treated me this way so they can keep this awful canned response to themselves.

john hammer

a year ago

Closed my account because I did not…

Closed my account because I did not notify because of my travels. Also would not work with me on my balance and said it had to be send snail mail which took to weeks. Luckily I have accounts a Bank of America and Revolut. Worst experience constantly asking me for documents when all my money came from tops banks. Worst bank ever.

court r

a year ago

You cant get more than one debit card

You cant get more than one debit card. So when you have a partner, they cant have one which isn't fair. The customer service on chat was kind, but I still cant get what I need.

sean neville

a year ago

Stay away

Stay away - they will close your account for no reason, and then keep your $. I sent $10,000 ACH out of the account, next day they closed my account & they canceled the ACH that was sent a day early. This is the excuse they gave me: "The Money has been returned to your account on our end regarding that transaction as the transaction didn't go through. On our end, it looks like the transaction didn't go through for insufficient funds. That being said, I do see that funds were present in the account at the time of it being sent." So I am stuck without being able to pay my vendor, and now need to wait 30 days to receive "check" in the mail - even though all reviews say that checks cannot be cashed. Run away.

shelle washington

a year ago

Trashy, fraudulent company

Trashy company, would not recommend to anyone. DO NOT USE THIS COMPANY!!!! You may get $75 using a referral code but they find a way to make that back in fees when your stream is slow. I’m STILL in the startup stages of my business and this stupid company stole $20 from me today off the basis that I’m paying for “the ability to use features” that don’t even exist y’all lol it’s still staying COMING SOON next to most features in the app. I wasn’t using the account but being charged for it? Make that make sense. You DO NOT tell people about the $10 fee until the account has been created don’t lie!! They don’t connect to most Stripe or Plaid Accounts and they don’t connect to Zelle or anything to get your money off the card before they charge you fees on top of fees. If I’d have known they were this scandalous I’d have never opened an account because now I’m stuck with only $7 to my name and can’t even afford diapers for my daughter. Evil evil company, they refused to refund or credit me and definitely don’t deserve to be in business after this web of lies.

nikki

a year ago

LOOK WHO'S BACK TO SCAM ME

COMPLETE SCAM. I attempted to open a checking account with this fintech back in 2020 during the beginning of the Pandemic. I came here and saw the reviews. They opened an account and I did not deposit a dime and did not use the account. I complained on this site. They promised to close my account. So what did I get today in my inbox? AN OVERDRAFT NOTIFICATION! How is it that on this very site they promised to close my account but now that the heat is off they crawl back trying to demand money from me? My instinct were right and now I'm contacting Senator Schumer's office and NY Attorney General's office to open an investigation on this criminal racket. ETA: I just git this:Hello there, You recently received an overdraft email from us in error. We apologize for any inconvenience this may have caused. If you have an open NorthOne Account: you can always check your balance by logging into your account on the NorthOne app or website. Please let us know if you require further information, The NorthOne Customer Care Team – Banking services provided by The Bancorp Bank; Member FDIC.

john megowan

a year ago

Steer Clear of this Shady Business!

Based on my experience thus far, NorthOne is shady, at best, and a total fraud, at worst. I signed up thinking this would be a great banking app for my marketing needs. Deposited $50 and a few hours later, they suspended my account. Asked me to provide supporting documentation, which I did. Today, they closed my account with no reason as to why. They haven't responded to my replies, and it appears they're attempting to keep my $50 deposit as there was no mention of returning it to me in their correspondence. I also acquired referral signups but they appear not to be honoring those, either. Update after NorthOne's reply: I've received this same canned response AFTER I made several attempts to find out why they pulled a "bait and switch" routine. NorthOne has offered nothing new in this canned reply. In fact, they offered even less today. In their replies to me after I repeatedly asked them for an explanation, they refused to give me specifics as to why they closed my account after accepting my deposit and approving my account. They sent me a link to their referral terms/conditions, which they just modified last week to state "you can refer to close, personal friends and family only." Meanwhile, NorthOne advertises their signup/referral bonuses on sites such as Swagbucks, so there's no reason to believe that referring their promotion is something they did not want. What's clear is that NorthOne DID NOT want to honor their signup or referral bonus offerings, as they duped countless people - myself included - into applying for an account and depositing $50, and then suspended and closed the accounts.. Meanwhile, they now have copies of my driver's license, my SSN and other sensitive information. NorthOne claims to have sent me a check after I repeatedly inquired about it. I asked for proof of this and they have yet to provide me any proof, and I have still not received a check. Update 11/17/21 - It's been 8 days since NorthOne told me they were sending me a check to refund the $50 I deposited when signing up. I haven't received the check, and I asked about it this morning, to which "Paulie" replied, "we advise that you please review the Account Agreement from here." Update 5/31/22 - I finally received my check weeks after having to demand it from Northone. I truly believe they would've kept my deposit had I not fought tooth-and-nail to get it back. I also found that my original review back in November was removed, and they've got several suspicious 5-star reviews which I believe are from employees. There's also one 3-star review and their reply encouraged the reviewer to change it to 5-star. Shady and desperate. Despite them seemingly trying to stack the deck with fake 5-star reviews, the 1-star genuine reviews are still coming in on this company's shady business practices. Based on my experience, I strongly warn against doing business with this awful company. Update 6/4/22 - The reply they gave to this is the same canned reply they gave on my original review, which they somehow got removed, hence this re-review. I spent weeks going back and forth with them via email. Out of all the people I spoke to, there was only one rep who was actually apologetic over the situation and professional. All the others were as ridiculous as their reply to this review is.

cyril obazuaye

a year ago

DON’T OPEN ACCOUNT WITH THIS BANK

DON’T OPEN ACCOUNT WITH THIS BANK: THEY HAVE SEIZED AND REFUSED TO SEND THE BALANCE MONEY I HAVE IN MY ACCOUNT AFTER PROMISING THEY WILL SEND IT FOR SEVERAL MONTHS NOW. 0 Star Review: Someone sent money to pay for one of the cars I was selling. NorthOne seized the money, blocked my account, and asked for so many documents including ID cards from both me and the sender and a selfie of us holding our IDs to our face. It was humiliating but we took the selfies anyways and sent everything they asked for including all documents about the transaction. Yet they closed the account after being so rude and unprofessional in their messages to me. They then said they will email my balance money in the account to me, but it’s been months now and I still haven’t gotten my $3,000 in my account. I need that money desperately and there’s no way I can reach them. This is the worst experience I’ve had with any company.

sam karlfield

a year ago

I received superb services at the…

I received superb services at the counter. Very polite and adequate staff.

ashley “ashley”

a year ago

Chat was super quick and helpful

Chat was super quick and helpful, highly recommend!

david walsh

2 years ago

Ok thanks for those details

tim tyler

2 years ago

Love NorthOne… this is the first review…

Love NorthOne… this is the first review I’ve ever took the time to do so that says it all!!!

zuheidy s

2 years ago

Great Service

I was recommended NorthOne and I am glad I opened up my new account with them. They met me where I needed the most and provided me exceptional customer services and made me feel like family. Im looking forward to the many benefits they can offer for my business. Wil continue to recommend.

karina faul

2 years ago

Great customer service

Great customer service and willingness to explain things and strive to keep your business.

drvicki michelle brown

2 years ago

They are closing my account and not…

They are closing my account and not giving a reason why !!! It is a nonprofit organiztion account !!

keisha ruffner

2 years ago

I sure wish I had known before I opened…

I sure wish I had known before I opened the account that North One doesn't accept instant transfers from Cashapp, PayPal, Etc. What a ripoff this account is prepaid, like Green Dot prepaid and we're still being charged a monthly fee! It feels so cheap and weird to load funds onto a "business debit" at the local 7-Eleven and to be charged $4.95 to do so. I'm going back to regular banking. Thanks but no thanks.

jeena ruby

2 years ago

Best Customer Service

NorthOne has the friendliest, quickest, & most helpful customer service I’ve ever interacted with.

crystal

2 years ago

Customer service

Had a problem getting my bonuses and when it didn’t hit on time I contacted them and was immediately funded without any issues. Fast reliable, and worth it all.

roger hunter

2 years ago

I was concerned about a deposit I made

I was concerned about a deposit I made. But i was set at ease when it was explained the deposit would go thru by that night. It did and all is well. I’m new here so now I know I can rely on NorthOne to come through. Thanks!

vicki jones

2 years ago

Excellent Customer Support

Ethan was an awesome Customer Rep. He assisted me with getting my bank replacement card. Very professional phone etiquette. I give him the highest ratings.

kanddy collections

2 years ago

Very punctual with responding

Very punctual with responding, and helping

abokakool madood

2 years ago

Hi I just wanted to know if I can sign…

Hi I just wanted to know if I can sign up with you guys

ecommerce holdings

2 years ago

Great customer service…

The customer service was quick efficient and helpful. I couldn’t be happier. I wish more companies were better at customer service like North One bank!

bobby

2 years ago

Startup that is great for small…

Startup that is great for small business growth. Easy-to-use and reliable. Customer Support responds by Chat and secure email. Bonuses added periodically just for use. Not reward points but real money and additional $75 for new account referrals. Did someone say "free money"?

rima

2 years ago

very professional and responsive

cecilee billett

2 years ago

A hard pass.

Non-stop run-around, and then they closed my account...banking for an educational nonprofit...without notice or explanation.

mun park

2 years ago

I have had to talk with an attorney and…

I have had to talk with an attorney and file complaint with bbb. They lied to me this company takes people money.

mun park

2 years ago

I opened this account to use for small…

I opened this account to use for small bills that my company may have and purchases. It went well in the beginning but soon there was issues because I have a DBA and they would not deposit my checks. I asked questions sent them documents. Then they closed my account then told me I must take a picture of myself to get my money back account has been closed over a week I refuse to do this I am 83 years old

rebecca davis

2 years ago

The opening process was really fast and…

The opening process was really fast and easy but my issue is that i use Cashapp, paypal and venmo in my business and was not told they do not encourage people to transfer money from these into your account. I* transferred money instantly from Cashapp into my checking account and guess what? I have to wait to get my money 1-3 days. This should be told to your customers because some of us is still trying to transition from using these payment options

matt v

2 years ago

These people are crooks

These people are crooks. They opened a business account used it for months and then just decided to close it for no reason and keep my money. Run from them.

jay ball

2 years ago

Northone CLOSES MY ACC 2 DAYS AFTER…

Northone CLOSES MY ACC 2 DAYS AFTER OPENING IT . ALL MY BUSINESS MONEY IS STUCK BECAUSE THEY WILL NOT RESPOND TO EMAILS PHONE NUMBER DOES NOT WORK THIS IS A HORRIBLE HORRIBLE BANK DONT BANK WITH THEM BY THE WAY BEEN UPLOADED DOCUMENTS SHOWING FULL BUSSINESS PROOF

luckylindalou

2 years ago

Suspended my account AFTER I told them…

Suspended my account AFTER I told them I was closing the account. Went to transfer out my initial deposit through ach and it failed. Received an email stating all kinds of information needed to reopen account. Do not want to reopen the account, I want my initial deposit that NorthOne deemed acceptable with initial verification process. Will be filing a complaint with regulatory offices.

abtin's

2 years ago

Nice and helpful

janet martin

2 years ago

DO NOT OPEN AN ACCOUNT WITH THIS…

DO NOT OPEN AN ACCOUNT WITH THIS COMPANY, buyer beware. I wrote a check from my personal account to Northone to fund my business. They sent the check to a third party company to cash. I waited and waited no money was deposited. Meanwhile they stopped using the 3rd party company. I’m still fighting to get my $4,500.00 back from them. They told me to work with the third party company to get my money back. You have to make an appointment to talk to an actual person, which takes about a week. They have email and chat that rarely works correctly. They do not have business checks. I feel they are shady and fraudulent for cashing my check then giving me the run around to try to track it down.

ava sophia

2 years ago

They helped my Company

Customer service and the north one blog really guided us through our financial problems when everything was scattered and not in order, it was bringing add stress to our business but North One’s resources helped us organize that and get our small business running as it should.

harry scott

2 years ago

The feature to connect to quickbooks…

The feature to connect to quickbooks accounting has been so helpful. I no longer have to manually input my banking data and account balances. Quickbooks automatically updates with my account balances.

ahmed panjwani

2 years ago

I was nervous to apply with this bank…

I was nervous to apply with this bank that I have never heard of before, but the referral i got came from a very trusted youtuber that I’ve been following for years so I decided to give it a try and I am so glad that i did.They used northone for their business and I started using it for mine and I am so happy with the features.

amber shoun

2 years ago

Terrible customer support, shady practice

I am a newer customer. I am an independent contractor but I also own a side business making clothing. I am paid in cash for this as i usually get my business through word of mouth and set up at local flea markets on the weekends. When I signed up, I used someone’s referral link and was supposed to get a $75 bonus when I added my first $50. That was over a week ago. Support has been completely unhelpful and now have suspended my account because I have tried to get this issue resolved through about 5 different support agents. I have submitted my license, a photo of me with license, I don’t have typical invoices but have copies of receipts I’ve made out to customers. I’ve also offered a tax transcript to show I filed partial self employment last year. I just find this unbelievable that they offer a $75 bonus and don’t want to give it that badly to the point they would suspend my account. I would definitely rethink getting an account with them.

christina isom

2 years ago

Sketchy business! Do NOT Recommend

So I’m an online marketer/freelancer that partakes and earns income from multiple opportunities online, referring to family/friends. I joined this app a few days ago to use and refer to others as well; they were running a $75 referral bonus for each successful person who signs up and deposits $50. So I joined and followed those instructions and received a few sign ups. Then the next day I was emailed that my account was suspended til I could provide documentation about my business and answer some of their questions. Inconvenience considering my account was accepted already, but I did as they requested and provided my information, answered their questions, and sent payment proof that I do earn income online from my business and sent some social media links so they could see exactly what it is I do (even though I did explain) Fast forward to Today, my account is closed & I can’t access the app/login and the person I’ve been speaking to hasn’t provided me any legitimate reason as to WHY my account was closed. Like she doesn’t care; I had to mention I was going to the BBB (which I am) if I don’t receive my money! Only then after mentioning that, did she say they would mail me a check! I’m awaiting her response as of now… not sure if the check is only for my deposit or for my sign on bonus/referral pay as well. Because she didn’t mention so. Support is BAD. (At least with this woman it is) Us marketers know each other, we talk. This is unfair treatment, sketchy, stealing, & bad business. We did the work; least they could do is honor their referral program and pay us. So that’s why I give NorthOne Bank a 1 star. UPDATE 11/12/2021, after NorthOne’s reply: I received the exact same response from y’all that other’s have received; y’all have provided no additional info, simply copying & pasting scripts to everyone to make yourself seem professional, however still not answering our concerns as to why y’all are shutting down accounts left & right and not paying people what’s due to them; this is not good business! (PS, that link… yall modified last week AFTER I & others joined… stating, “you can refer to close, personal family and friends only” which is what I do!) So either way, I followed your rules, yet y’all don’t wanna honor your own referral program! That’s sad. Y’all ‘tricked’ a bunch of people, including myself, into joining & depositing $50 and then turn around and suspend & eventually shut down our accounts, AFTER we submit to y’all personal/sensitive info like our driver’s license and ssn! If that’s not suspicious I don’t know what is. Also! Y’all claim to have sent me a check (which I have not received & I’m still waiting on) And y’all haven’t even responded back to my email where I request a photo copy of the check (cause I wasn’t told how much the check would be for) and tracking. ? So I can send y’all details that y’all claim you need to help reinstate my account (tho y’all closed it)!! but y’all can’t send me proof of sending my check? What BS. Seems one sided, don’t it? (For anyone reading this) I do NOT recommend trying NorthOne. Most people, including myself, are displeased!- I did file a claim with the BBB.

michelle

2 years ago

Bad business

I am highly disappointed in this bank and had high hopes for it. I am a freelancer and do all kinds of different jobs. As that was one of their options in opening an account with them. At first they approved my account. Then the next day I get an email asking for proof of my business and where I get my money from. I sent that in and their was no problem. I then the day after, get another email stating that they were closing my account but yet did not provide and answer as to why they were doing this. I wrote them back asking about my referral money because I had also referred a few family and friends to their business and they were offering a $75 referral reward per person who was able to sign up with them. I am highly upset about the fact that they are now trying to send me a check for my $50 deposit for opening the account but not including my referral incentives that I am owed. I will also be taking this to the BBB as well in hopes that’s maybe this won’t happen to another fellow freelancer or anyone else for that matter.

john megowan

2 years ago

Steer Clear of this Shady Business!

kimberly

2 years ago

I wish I could give NEGATIVE stars

I wish I could give NEGATIVE starts. I’ve had Northone for 2 years with only minor issues. Until now…I woke up this morning to find out my account had been locked. It’s at this time I came to find out there is no way to call or use a chat function to reach them. You have to EMAIL. I’ve sent three so far. And NOTHING. I can’t access the thousands in my account for my business. With no communication and no explanation. Insanity. I’ve now seen HUNDREDS of complaints from other consumers. This bank is SHADY AF! Getting ready to go purchase the domain name: northonescam.com

brahima diarrassouba

2 years ago

Sammer plaicomment ça marche comment…

Sammer plaicomment ça marche comment mainskri

lassi samake

2 years ago

La vie

Depuis le début d'un enfants ça mama fait tout pour son bb mais pour quoi si on ne grandir on fonce plus pour elle 😓

valtenius beltrao

2 years ago

We from VineBranch appreciate NorthOne

North one has been fair to me. Their customer service works quite efficiently, every person I have spoken to has treated me well. I would take half of a star out because they are not fully integrated with Zelle yet, however the platform seems to be improving over time.

rebecca marlin

2 years ago

Used them

Used them. They are just ok ok

aboubacar kante

2 years ago

This bank does not deserve one star

This bank does not deserve one star. I'm trying to move my companies money to my companies savings account and they are giving me an extremely hard time. It seems they want to keep your money hostage.

charles williams

2 years ago

Hailey and Leslie worked with me to…

Hailey and Leslie worked with me to secure my SBA funding. In a few words, they were Awesome! Getting the bank letter they required and just reassured me NorthOne was with me. Thank you

nicole

2 years ago

so far my experience with NothOne has…

so far my experience with NothOne has been good. The set up process took much longer than expected. However, when I reached out to ask questions your customer service department was quick to respond.

lonnie hicks

2 years ago

I’ve tried to establish an account with…

I’ve tried to establish an account with them. I sent them my articles of incorporation and drivers license and they responded with the following. The decision to decline your application for an account could be due to one or more reasons, including but not limited to: the inability to verify your identity and/or business based on the information you provided, a particularly high risk type of business, an unsupported industry, or information provided from 3rd party vendors. It’s the pet industry. Every third person has a dog or cat they either need supplies or a hood hair cut. The process is confusing and I personally think they make their decisions on other unscrupulous factors.

alankit bc

2 years ago

Best services

North One Is The Best

james smith

2 years ago

Excellent

Excellent Banking App

nljackson65

2 years ago

I've Changed My Rating from 1 Star to 5 Stars

I recant my previous negative review. NorthOne were prompt in their response to my concerns in inquiry. They have been patient and professional. My account was set quickly after a few more inquiries. I still feel that should have a customer service number for inquiring potential customers. But, they were so quick to respond to my concerns that maybe they don't? I've changed my reviews from 1 star to 5. --------------------------------------------------- I applied with two different online business banks, and one of them was NorthOne. I never heard back from them until I attempted to login to check and see if I could find out the status. Once logged in, they directed me to the option to make a deposit. So maybe they did approve my account?? I went through the deposit process and got the message that they needed to verify more information and that should be completed in 24 hours. That took 3 additional days. They have a number (332) 205-9253, and when you call it, it tells you to either make an appointment with a customer rep or email customer service. I emailed them, and long story short, because my email wasn't the same as the one I applied with, they couldn't answer any questions. I explained the email that applied with was an alias to my business email address, and that I'd be happy to provide any other information they needed, or can I please talk to someone. I was told the number is for customers only and that I need to email them from the email address that I applied for the account with. I was frustrated. First, I waited days to get a reply. Then, when I logged in, I found that they were ready for me to go to the next step which was make a deposit -- only to be told that I will need to wait an additional 24 hours for whatever else they needed to verify... The 24 hours turned into 72. So, I needed to call my hosting company to get my email name changed, which I did. convoluted Once I did that, I called and requested they terminate the application. I-am-done.

rodger

2 years ago

Wonderful Experience

NorthOne has been wonderful.

michael goldthrip

2 years ago

Great product

adam james tulsa

2 years ago

Safe Services

Very safe services and account

tina-henderson,nv

2 years ago

I couldn't be happier!!!

NorthOne has been awesome for my business. Setting up my business checking account with them was extremely easy and user-friendly. I'm a proud customer of NorthOne Bank. I highly recommend them to all business owners.

vivian

2 years ago

Small Business Owner Employee Healthcare Cancelled

NorthOne rejected my valid SBA deposit last week and closed my account because, I asked them why? My employees Healthcare/Dental is now cancelled and my Business is going to go under. Not because of the SBA or anything, I did. Because NorthOne, rejected a valid Government issued deposit. NorthOne Upgraded their systems recently and the electronic audit trail showing this blatant disregard for US Banking Laws will be revealed in Court and Online.

youknowwhoitis

2 years ago

THANKS FOR NOTHING

This bank was referred to me by someone I consider highly creditable. But when I signed up thats as far as i got. They sent me a letter which didnt really tell me anything. Now I know my credit is good so thats not the problem. I call the State to make sure all my Info was viewable so thats not the problem. Im more legit that any other industry in existence AMAZONS NOT GOING OUT OF BUSINESS ANYTIME SOON AND DROPSHIPPING IS JUST GETTING STARTED SO GET USED TO IT. NOW 36% OF THE REVIEWS WERE NEGATIVE AND MANY REMOVE BECAUSE OF NO REPLY FROM THE REVIEWER. I WILL MAKE SURE I TELL MY REFERRER NOT TO SEND ANY MORE YOUR WAY. NOT TO MENTION IF I CANT TALK TO A HUMAN I REALLY DONT LIKE DOING BUSINESS LIKE THAT ANY WAY. SO JUST LIKE MY REFERRER ALSO SAID, IWILL TAKE THAT PIECE OF ADVICE .................. KEEP IT LOCAL.

chanda rochelle

2 years ago

Just don't do it

Honestly, this is not the bank especially for a small business. It's been the absolute worst experience. I received an email requesting my business information for an "upgrade," it wasn't an upgrade it was to review accounts. That's fine, but when I contacted them regarding my account being locked they couldn't tell me what was going on, then they closed it, while I was talking to them and told me I would receive the funds in my account in the next week. I also had a transfer from square that day and was told by them oh it will just bounce back- weeks later when it didn't happen they magically found it. It's a month later- just don't do it. The phone number doesn't work. I still do not have my funds.

nic ripley

2 years ago

I see a lot of bad reviews on here but...

I see a lot of bad reviews on here but a lot of them seem to be during the banks’ upgrade, which was pretty well explained thru email on what to expect, so take them with a grain of salt. I was with NorthOne before and after upgrading and have had no issues.

2 years ago

Stay Far Away

Last month they started "upgrading" accounts. Ever since then, I've been locked out of my account for weeks. Their support number doesn't work. They don't answer chat messages or emails anymore. How on earth can a "bank" not have any line of communication with customers, lock them out of their accounts for weeks, offer no transparency with "updates", and act like everything is fine. For weeks they have been telling me the update would be complete and that access would be regained. I've filed complaints with the BBB and the Consumer Financial Protection Bureau. Highly advise not opening an account at NorthOne.

john ewan

2 years ago

Great banking service

Great banking service, easy to use, super helpful for my business

isla emily

2 years ago

When I need help

When I need help. Support is always there Moving to an online bank was a switch for me but I am happy that the customer support has been great, it’s been reassuring.

chris flaming

2 years ago

My account got approved 3 minutes after…

My account got approved 3 minutes after my submitted my application Crazy fast I was not expecting that, and so good to experience such a great onboarding process. Coming from Azlo I had very high expectations, and I must say NorthOne did not disappoint.

taylor betlow-peterson

2 years ago

STAY AWAY! THEY ARE HORRIBLE!

In April they began "upgrading" accounts. Ever since then, I've been locked out of my account for weeks. Their support number doesn't work. They don't answer messages, tweets, Facebook comments, etc. Just today, I received an email stating they closed my account. I called Radius Bank, who is partnered with NorthOne, and they confirmed my account is still open, in good standing, and that I can still use my account. The rep on the phone also hinted at the fact that NorthOne is awful, but couldn't directly say it. How on earth can a "bank" not have any line of communication with customers, lock them out of their accounts for weeks, offer no transparency with "updates", and act like everything is fine. NorthOne can get bent. I've filed complaints with the BBB and the Federal Reserve. DO NOT OPEN AN ACCOUNT WITH THEM! Edit: Their reply to me is a fat lie. They have not communicated with me further than the initial email and conveniently chose to not address the fact that Radius Bank, their partner, even stated that my account is still active and not closed. Kindly stop lying.

ben philip

2 years ago

Fantastic product

Fantastic product, happy that I opened an account in September

jacqueline williams

2 years ago

I opened an account last year

I opened an account last year, received a touting and account number, I went to deposite money, the account said invalid, no online details, and the app does Not work. I did not receive notice of any cancellation nor did customer service help. Thank god I never put a lot of money in there. They ought to be ashamed of themselves for even promoting their sorry, fraudulent, theiving company STAY AWAY FROM THEM!!

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