NorthOne Review

NorthOne has been wonderful.

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Great product

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Great experience all around

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Very safe services and account

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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.

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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.

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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.

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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.

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Finally, a bank that offers this feature! Now my business partner and I can safely login to our account with our separate names and passwords instead of getting kicked off if we’re both on at the same time. Thank you NorthOne for fixing this dilemma.

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Got my account in 10 minutes

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This has been a hard year to navigate but NorthOne made it easy providing me with a PPP loan AND adding desktop banking all in the same year that I joined. Thank you folks for setting such a high standard in the banking industry

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I was having trouble setting up the Quickbooks integration and the customer service team helped me out right away on the live chat and even help me set up a call to double check and go through everything the following day.

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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.

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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.

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

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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.

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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.

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Super helpful customer service. I needed help setting up my new card and got a step by step walkthrough

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Just opened my account and must say, the user experience is awesome. Really user friendly and great design.

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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.

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Best business bank in the market right now. NorthOne has every integration I need to run my online business. They have the full package, that I haven’t seen with the other banks which is the main reason why I chose this bank.

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Fantastic product, happy that I opened an account in September

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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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They have kept me from access to my account for more than 11, going on possibly 22 days now (after fighting and fighting to get any kind of straight answer). This business is not ethical or forth coming in their dealing. I strongly advise that you look at their BBB rating before deciding to tie your money up with them.

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04/25/2021 Unbelievable. They overdrafted my account my 3K. One day I was down 3K, the next morning it was back in my account, and the next day it disappeared again. So I sent 3K in plus $700 to cover it. Now they are stonewalling me -- I can't get them on the phone, email, or customer support. I'm locked out of my account on app and web. I went to withdraw money using my debit card -- it says there is $5 in my account. For sure there is supposed to be $700 in my account. I sent it via Paypal, and Paypal has always been good to me. Plus there is the matter of this 3k. This has been a horrific, horrific experience. DO NOT BANK WITH THEM. I have moved to Citibank. To verify MY identity to see that I am telling the truth, visit my Instagram @iamsaraartist. I want these people put in prison for fraud and theft.

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This bank is a complete scam. I am almost baffled they could have any good reviews, I would read all of the bad reviews very carefully before you decide to put a dime in NorthOne, you have been warned. I opened my account June of last year with $50.00, a couple days later my account was locked and I could not get it unlocked. I have sent three customer service emails to NorthOne with zero response except an automated email every couple of weeks. Since then the bank has basically deducted all $50.00 out of my account and is now going backwards $5.00 a day so now its overdrawn, I don't know how much cause I'm locked out, hopefully tens of thousands of dollars lol. Its now almost a year later and I still get emails from them but with no response to my concerns except to let me know my locked account is overdrawn, great business model guys, would have preferred if you just closed it like you did to some other people on here. This bank is a joke, it doesn't even have a working customer service number, thats really all you need to know...

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NorthOne is a poor excuse for a bank. Actually, they are not a bank - they are a front for Radius Bank. It seems that a couple of entrepreneurs decided to develop an online banking platform with Radius Bank providing the actual services. Interesting concept - but, it doesn't work. Customer service SUCKS. They closed my account by sending an email. No explanation except, "The decision to exit your relationship is based on the overall evaluated risk, and not necessarily a reflect of you, or your account. We're sorry for the impact this decision may have on you, but the decision to close your account is final. Please do ensure you've transferred all your funds out of the account before April 13th, otherwise you will receive the remaining balance by check to your mailing address." Stay away from NorthOne. UPDATE - It took a few weeks for NorthOne to respond with the typical corporate message. I did absolutely nothing to deserve the closure of my account. These app developers have no clue what personalized customer service means. If they did care about customer service, someone would call me to explain why they closed my account. Instead, they have a lawyer and a public relations writer respond to my critical review. NorthOne is not worth your business.

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The worst banking experience in my life. They closed my account for no reason. They just issued me one email saying my account would be closed. "The decision to exit your relationship is based on the overall evaluated risk, and not necessarily a reflect of you, or your account. We're sorry for the impact this decision may have on you, but the decision to close your account is final. Please do ensure you've transferred all your funds out of the account before April 13th, otherwise you will receive the remaining balance by check to your mailing address." Don't bother with this bank. Use Mercury instead. I've got 3 other banking accounts with them. Also Avanti is looking great.

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I think this bank is great. They have exceptional customer service it's like your texting with a friend and they are always right there to help you at any hour any time. I love it. So friendly and it seems like they really do care about you. That's a far cry from what I have dealt with recently. So time to shut down all my other accounts because I'm going straight Northone. Excited for the new features can't wait. Time to deposit all funds and make the leap. :)]

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I applied almost a month ago for an account. Still waiting with no updates. Not good for a bank that is going to manage your business funds

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They helped me through the web banking set up, and explaining the PayPal integration to me, I feel comfortable and secure knowing I can reach out to them through the live chat

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Good but not excellent! Waiting for a day for using my account.

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Just a great app. I've had no issues at all, and I love that I can do everything on my phone and on the go. I work in construction and it’s cool that I can send ACH transfers while on site. Very convenient.

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Best Business bank ever. I made the switch from PayPal and CashApp and haven’t looked back since, keeping all my money in one place has been super helpful, and no more interest payments with PayPal. Thank you NorthOne.

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they charge $10 a month for the honor of doing business with them. Customer service is adversarial. It takes forever and forget it if you want to talk to someone on the phone. I just closed my account because I ran out of Tums.

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I have been waiting for a business bank like this. Great in-app live chat support. Makes things super simple. There are integrations with my other finance and invoicing apps like QuickBooks and Cash app

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For all my fellow business owners, trust me when I say this is the bank for us. You can bank from your phone or your laptop, with no hidden fees like other banks (like bank of America that makes you pay 18 a month if you have less than a 5k monthly average). Transparent and convenient.

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If you are scammed by a company, paid for a product you never received, dont expect this bank to help you retrieve your money. Expect to be out the money, the bank charges fees and the account has to be open to investigate a claim they never intend to pay but they know you will close your account immediately if they tell you your money is not safe, and you will receive no refund so they collect for 3 months and then hit you with ita a valid transaction. Meanwhile the merchant closed shop and disconnected their phone number. Go to a real bank with real protection.

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they charge $10 a month for the honor of doing business with them. Customer service is adversarial. It takes forever and forget it if you want to talk to someone on the phone. I just closed my account because I ran out of Tums.

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Easy to use, simple business banking. They have a flat fee that I pay instead of paying every time I pay suppliers.

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Not having to go to a physical location is life changing and time saving!! As a business owner, banking digitally with NorthOne saves me the headache of going to the branch (driving there and back plus the lines). This bank saves me so much time to focus on my business and the app is super easy to use!

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Received a crappy response on a weekend from Northone although they supposedly don’t work weekends and I’m baffled due to the fact that they stated my funds from my PPP loans are being returned back to SBA when I never had a PPP loan smh, it was clearly a EIDL, they’re two separate loans so maybe that’s where the problem began, I would like to receive clarification on how long it takes to remit my EIDL funds back to SBA instead of to myself seeing as to how I’m responsible for my entire loan regardless of where the funds are remitted back to? Also my account was said to be closed for a 4th time now and remaining funds being remitted back to SBA but as of 1/16/2021 the account balance is still the same, please advise!

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Owning two businesses means that my entire life revolves around my work. Handling my finances and banking used to be a headache, it was the most time-consuming part of it all. Since I’ve made this switch to NorthOne I can say I have noticed a significant increase in my free time, especially with the sub-accounts feature where I can separate my payroll, rent and income in separate accounts (under the main account). SO helpful.. NorthOne has taken the banking stress out of my life.

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Timeline of events: 9/3/2020 SBA funds deposited 9/22/2020 Account Locked due to "unusual activity" 10/15/2020 Filed a complaint with the OCC and Northone's reply was by law they couldn't disclose why a customers account is locked or frozen crappy I know 10/26/2020 BBB response received by Northone was that they spoke with me the customer and advised me that my account would be closed and they'd no longer communicate with me 11/18/2020 A rep from northone requested additional documentation pertaining to my business which was provided 11/25/2020 Received a response from a northone rep that per their review they decided to close the account and remit remaining balance back to SBA 12/2/2020 Attorney sent a demand letter requesting that northone close the account and send remaining balance back to me since I'm still responsible for the entire loan and the reasoning behind them locking the account being inconsistent 12/22/2020 Another BBB complaint filed due to the remaining balance that was said to be sent back 10/26/2020 as well as 11/25/2020 still reflecting in the account, Northone responds 12/22/2020 telling me to reference to the email that was sent 11/25/2020, mind you I attached that email to the complaint because it should've never still been opened as of 12/22/2020 for me to file another complaint 1/12/2021 Receive an email from another Northone rep stating my account would be closed per their review (again) and that remaining funds would be remitted back to SBA, they also advised me to reach out to SBA directly which has been done and all SBA can advise me to do is email a blank business voided check and they'll reroute the payment once it's received from Northone! Why would it ever take Northone 3 separate attempts to close account fully and send payment back to SBA? They barely respond to their customers and Radius Bank acts as their customer service but all they can do is take notes and submit tickets to Northone for them to address, Northone is failing to address the needs of it's customers in a timely order. My loan is accruing daily interest and Northone has been lying to hold my funds hostage since 9/22/2020. These individuals received all documents necessary for me to prove business ownership and my Northone account wasn't opened immediately it took a few extra days for account to be approved for use so they additional lie from 11/25/2020 as to why they decided to close the account which was "account info not matching loan info" was invalid. This company is terrible as far as communication and unprofessional, it should never take this long to close out a customers account!

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Thief’s there reply has nothing to do with the check they stated they sent me for my balance and completely ignore you and never reply warned stay away read reviews they literally ignore I have proof no normal bank does this

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NorthOne has made my life so much easier. Banking used to occupy so much of my time but now with everything being digital and can get my bookkeeping and payroll done right on my phone. What a breeze and the customer support is amazing, so kind and helpful.

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I made the switch from PayPal and CashApp and haven’t looked back since, keeping all my money in one place has been super helpful and no more interest payments with PayPal. Thank you NorthOne.

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Great bank for Business Banking, especially for small businesses.

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I run a full time bakery and have been selling vintage furniture on Etsy on the side for 6 years and NorthOne makes it super simple to keep track of both my payroll and second income with the sub accounts option, and I can integrate it directly with Etsy which is amazing. I switched over from Bank of America and was previously going between the Bank of America app and the Etsy shop owner application, now I just use NorthOne for everything!!

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It was the only thing missing. Now my banking experience is 10/10! The desktop feature is just as easy as the mobile app but it’s great being able to do my finances on my laptop while I work from home!

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This bank account is perfect for my Etsy business! The Etsy integration allows me to get my Etsy Payments directly into my NorthOne business account! I love how easy and convenient it is. Thank you for saving me hours of manually transferring from Etsy to my account.

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NorthOne really helped our business survive. They got us a PPP loan, and communicated with us on the status of the loan forgiveness. They’ve been really supportive to our financial needs during this difficult time.

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Northone is a Best

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BUYER BEWARE! Opened the account. Deposited funds. The iPad app is total crap, works sort of maybe 1% of the time. After having the account for a few weeks, I can no longer login and then I get an email saying the acct is under review on 8/27. Now 2 weeks later, the same scripted reply that the account is under review. No one with a business can tolerate blocked access to their business banking account for days, let alone weeks. I think that NorthOne is a functioning scam and the positive reviews can't be real at all. UPDATE: Its now 3 months later and not one word from NorthOne on the status of their review or my account. So this just further shows the kind of company NorthOne is. They have kept the account locked for over 3 months. They have failed to communicate anything to me, but they have no problem with spamming me with 3rd party deals. Any inquiry to them generates the same pre-made email about how the security of their customers is their primary concern, which is quite rich because it looks to me like their customers are inconsequential to them and they are only protecting themselves. What from, you ask? No way to know, they won't share any info with their "customer" a.k.a. guinea pig for whatever scam they are running. This is not a made-up review; everything I have said is based on exactly what they have done. If you care about your money, get as far away from NorthOne as possible!

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This is not a real bank or a real company. It's an app that does not function properly. First they sign you up but don't mention the transactions are handled by an actual bank, not them and they have no power/liability for what that bank does. Second, there is no phone/website service. Only the app and chat. They claim they can't close your account without being on the app but.....wait for it......the app will only work for IPhone customers. So I have an account that I can't close that runs up $10 monthly fees and $5 A DAY charge for being overdrawn. So since I have not deposited anything, the fee train is chugging away. Chat says they can do nothing. SCAM PURE AND SIMPLE.

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Horrible! This bank stole 500 from me. They said that they would investigate fraud charges and that took 3 months and I kept calling them and they never sent me an email or letter to notify me of any progress. So I called them and they said oh we can’t see any problems and the 500.00 is not retrievable! Then they charged me 5.00 a day while my account was over drawn due to their negligence

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Used NorthOne for banking for a month or so. Business has been hard with coronavirus and they gave me 3 months of free bank account service. It's nice to see a bank that cares about a small business like mine.

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Owning a restaurant means endless hours on my feet and the last thing I want to do is spend time standing in line at the bank. This has removed that issue from my life and I honestly couldn’t be happier. Do you know how great it is banking from the couch??

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Amazed by the NorthOne app. Amazing features. Don’t have to worry about papers and docs. Really quick to sign up. Good stuff

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