Urban One - Home Page

The Unapologetically Black Card
that rewards you for your life style

Get a Card

Life is rewarding.

ZERO HIDDEN FEES

$7.95 per month. Boom. No minimum balance, no overdraft fees. Ever. For a full list of fees, see our Terms & Conditions.

GET PAID FASTER¹

Don't wait for your paycheck. Get paid up to 2 days early when you direct deposit to your pay or benefits to your One VIP Visa Account¹. No waiting for your money, and no paper check to get lost in the mail. You'll get paid as soon as the money is available - which is often up to two days before traditional banks.

DEPOSIT CASH

Deposit cash directly at participating retailers nationwide. Use the VISA Readylink locator in your app to find a location near you.

LOYALTY

Earn up to 1.5% cash back for spending at your favorite merchants, online retailers and subscription services.

PAY IT FORWARD

To whom much is rewarded, much is required. Use your points to benefit charities doing great work in urban communities.

TRANSFER FUNDS

Set up automatic transfers from your primary checking account to your ONE VIP account.

¹ Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

The ONE VIP APP makes mobile banking easy.

Quickly and securely sign in to our app. No need to type in your passcode when you can use your fingerprint. Whether you want to check your balance, access your rewards points or deposit a check, our mobile app has you covered.

Manage your money on-the-go
Add your ONE VIP card to your digital wallet to make in-store, in-app or online purchases using your phone
Choose alerts to monitor everything from available balances to unusual card activity
For simple and secure deposits use our mobile check deposit feature