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NorthOne Review

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Reviews 118

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Michael Graw
Michael Graw
May. 03, 20214 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
NorthOneat a glance
4.6

Editorial score

Fees?

Yes, low fees

4.0

Security

FDIC insured and SSL/AES encrypted account

5.0

Customer service

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

4.0

Online experience

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

5.0

Mobile experience

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

5.0

NorthOne 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.

Best Money readers get a 3-month free trial with NorthOne. Click here to get started. No commitment, cancel anytime.

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 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.

Best Money readers get a 3-month free trial with NorthOne. Click here to get started. No commitment, cancel anytime.

Michael Graw
Written byMichael 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.‎

NorthOne
NorthOne
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  • author
    Court R
    Jun 28, 2022
    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.

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  • author
    Sean Neville
    Jun 28, 2022
    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.

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  • author
    Shelle Washington
    Jun 29, 2022
    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.

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  • author
    Nikki
    Jun 15, 2022
    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.

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  • author
    John Megowan
    Jun 04, 2022
    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.

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  • author
    CYRIL OBAZUAYE
    May 04, 2022
    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.

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  • author
    Sam Karlfield
    Apr 11, 2022
    I received superb services at the…

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

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  • author
    Ashley “Ashley”
    Apr 05, 2022
    Chat was super quick and helpful

    Chat was super quick and helpful, highly recommend!

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  • author
    David Walsh
    Mar 29, 2022
    Ok thanks for those details

    Ok thanks for those details

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  • author
    Tim Tyler
    Mar 22, 2022
    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!!!

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  • author
    Ariana Hoffman
    Mar 21, 2022
    Good service!!

    Good service!!

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  • author
    Zuheidy S
    Mar 18, 2022
    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.

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  • author
    karina faul
    Mar 15, 2022
    Great customer service

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

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  • author
    DrVicki Michelle Brown
    Mar 15, 2022
    They are closing my account and not…

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

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  • author
    Keisha Ruffner
    Mar 14, 2022
    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.

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  • author
    Jeena Ruby
    Mar 12, 2022
    Best Customer Service

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

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  • author
    Crystal
    Mar 10, 2022
    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.

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  • author
    Roger Hunter
    Mar 10, 2022
    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!

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  • author
    Vicki Jones
    Mar 09, 2022
    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.

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  • author
    KandDy Collections
    Mar 09, 2022
    Very punctual with responding

    Very punctual with responding, and helping

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  • author
    abokakool madood
    Mar 08, 2022
    Hi I just wanted to know if I can sign…

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

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  • author
    eCommerce Holdings
    Mar 08, 2022
    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!

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  • author
    Bobby
    Mar 04, 2022
    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"?

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  • author
    Rima
    Mar 03, 2022
    very professional and responsive

    very professional and responsive

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  • author
    Cecilee Billett
    Mar 01, 2022
    A hard pass.

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

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  • author
    Mun Park
    Feb 22, 2022
    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.

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  • author
    Mun Park
    Feb 08, 2022
    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

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  • author
    Rebecca Davis
    Feb 04, 2022
    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

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  • author
    Matt Reno
    Jan 28, 2022
    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.

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  • author
    Jay Ball
    Dec 21, 2021
    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

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  • author
    Luckylindalou
    Dec 17, 2021
    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.

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  • author
    Abtin's
    Dec 06, 2021
    Nice and helpful

    Nice and helpful

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  • author
    Janet Martin
    Nov 30, 2021
    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.

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  • author
    Ava Sophia
    Nov 29, 2021
    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.

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  • author
    Harry Scott
    Nov 27, 2021
    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.

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  • author
    Anderson's Sweden
    Nov 26, 2021
    No Hidden Fees or Minimum Balance

    NorthOne is very open about their fees and offerings which gives me peace of mind about the product and the quality of their service. It's great.

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  • author
    Bruce Hardy
    Nov 25, 2021
    Phenomenal customer service

    I feel taken care of with this team, they are always readily available and willing to help you with your banking needs.

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  • author
    Isabella Brown
    Nov 25, 2021
    Honest Platform on what they offer

    $10 a month and NO hidden fees like the other banks that I’ve had. I switched from Chase and found the move very easy and refreshing. Chase wasn’t necessarily bad, the fees were just hidden, a very traditional setup that I did not enjoy. Happy that NorthOne is not like that at all. Transparency in banking is key.

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  • author
    Ahmed Panjwani
    Nov 24, 2021
    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.

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  • author
    Amber Shoun
    Nov 16, 2021
    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.

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  • author
    Christina Isom
    Nov 12, 2021
    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.

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  • author
    Michelle
    Nov 11, 2021
    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.

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  • author
    John Megowan
    Nov 17, 2021
    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." Based on my experience, I strongly warn against doing business with this awful company.

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  • author
    Mary Smith
    Nov 09, 2021
    Happy I found this bank

    I am so glad I found NorthONe at this time. The online application was so simple and easy, and I found them through a blog post about branding your company, it was an accidental find and I am so happy about that.

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  • author
    Raul Movic
    Nov 08, 2021
    Great banking

    My experience with NorthOne was great, they helped me get a PPP loan last year through the pandemic. The application and process was so simple. I really needed business funding at that time and I will be grateful for that always.

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  • author
    John Williams
    Nov 07, 2021
    A fantastic experience

    The customer service team actually cares about you and your business and wants to help. It is such a refreshing experience compared to the one I had at my previous bank that was very traditional and not in your best interest.

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  • author
    Kimberly
    Oct 28, 2021
    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

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  • author
    Brahima Diarrassouba
    Oct 13, 2021
    Sammer plaicomment ça marche comment…

    Sammer plaicomment ça marche comment mainskri

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  • author
    Sarah Katherine
    Oct 09, 2021
    Easy and fast process

    Got my account in 10 minutes

    ...

  • author
    Adam
    Oct 08, 2021
    Helpful Bank

    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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  • author
    Harry William
    Oct 07, 2021
    Can Have Two Owners on 1 Account

    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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  • author
    Sean Wood
    Oct 06, 2021
    have had only the best experiences with this bank.

    The transactions are smooth, I get all of my deposits on time, my ACH transfers done, and customer service is always pleasant.

    ...

  • author
    Lassi Samake
    Sep 25, 2021
    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 😓

    ...

  • author
    Valtenius Beltrao
    Sep 08, 2021
    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.

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  • author
    Rebecca Marlin
    Aug 31, 2021
    Used them

    Used them. They are just ok ok

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  • author
    Aboubacar Kante
    Aug 30, 2021
    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.

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  • author
    Charles Williams
    Aug 14, 2021
    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

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  • author
    Nicole
    Aug 13, 2021
    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.

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  • author
    Lonnie Hicks
    Aug 12, 2021
    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.

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  • author
    Alankit Bc
    Aug 03, 2021
    Best services

    North One Is The Best

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  • author
    James Smith
    Aug 03, 2021
    Excellent

    Excellent Banking App

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  • author
    Nljackson65
    Aug 17, 2021
    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.

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  • author
    Rodger
    Jul 22, 2021
    Wonderful Experience

    NorthOne has been wonderful.

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  • author
    Michael Goldthrip
    Jul 19, 2021
    Great product

    Great product

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  • author
    Ashley Gardner
    Jul 18, 2021
    Great experience all around

    Great experience all around

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  • author
    Adam James Tulsa
    Jul 16, 2021
    Safe Services

    Very safe services and account

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  • author
    Tina-Henderson,NV
    Jul 13, 2021
    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.

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  • author
    Vivian
    Jul 09, 2021
    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.

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  • author
    Youknowwhoitis
    May 26, 2021
    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.

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  • author
    Chanda rochelle
    May 21, 2021
    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.

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  • author
    David hussy
    May 20, 2021
    Can have two owners on 1 account

    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.

    ...

  • author
    Claire Smith
    May 20, 2021
    Easy and fast process

    Got my account in 10 minutes

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  • author
    Amanda Wellington
    May 18, 2021
    NorthOne came around at the perfect time.

    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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  • author
    Nic Ripley
    May 09, 2021
    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.

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  • author
    ec
    May 03, 2021
    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.

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  • author
    John Ewan
    May 03, 2021
    Great banking service

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

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  • author
    Isla Emily
    May 03, 2021
    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.

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  • author
    Chris flaming
    May 03, 2021
    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.

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  • author
    Anna Wright
    May 02, 2021
    Super helpful customer service

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

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  • author
    Taylor Betlow-Peterson
    May 02, 2021
    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.

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  • author
    Ben Philip
    Apr 29, 2021
    Fantastic product

    Fantastic product, happy that I opened an account in September

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  • author
    Jacqueline Williams
    Apr 29, 2021
    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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  • author
    Ben Dayho
    Apr 28, 2021
    Buyer Beware

    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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  • author
    Sara Christine
    Apr 23, 2021
    THEY STOLE $3,700 FROM ME

    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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  • author
    KundaliniHero
    Apr 05, 2021
    This bank is a complete scam.

    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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  • author
    AW
    May 02, 2021
    NorthOne Is A Poor Excuse For A Bank

    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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  • author
    Nathan Windsor
    Apr 01, 2021
    Worst banking experience.

    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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  • author
    Alisha fanyo
    Mar 03, 2021
    Best customer service EVER!!

    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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  • author
    Mike Magness
    Feb 24, 2021
    I applied almost a month ago for an…

    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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  • author
    Alice
    Feb 17, 2021
    Customer Support team is so knowledgeable and very kind!!

    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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  • author
    Bill Vannini
    Feb 17, 2021
    Good but not excellent!

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

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  • author
    Matilda keyes
    Feb 09, 2021
    Love this Bank

    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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  • author
    Brent McMahon
    Feb 09, 2021
    Fantastic

    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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  • author
    Mary
    Feb 07, 2021
    they charge $10 a month for the honor…

    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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  • author
    Candi Rose
    Feb 05, 2021
    This is a business banking

    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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  • author
    John Martha
    Feb 04, 2021
    New web banking is premium

    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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  • author
    Jamie
    Jan 29, 2021
    If you are scammed by a company

    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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  • author
    Mary
    Jan 27, 2021
    they charge $10 a month for the honor…

    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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  • author
    Jim Douglas
    Jan 19, 2021
    Easy to use, simple banking

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

    ...

  • author
    Mariya
    Jan 18, 2021
    Highly Recommended

    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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