Is there a maximum on which the 5.30%APY can be earned?

Does anyone know whether the $1 fee applies to ACHs that initiate from external institutions ?

Fees on Inactive Accounts
All accounts are subject to the Bank’s standard service fees
whether or not the account is active. In addition, if there has
been no activity (such as deposit or withdrawal) on a
account for a period of 2 years (other than posting of
interest), the account will be considered to be “inactive” and
will be subject to a monthly inactivity fee.

DreamKrusher said:They also have an ACH Withdrawal Fee $1.00 (not sure if this pertains to ACH push initiated via their bank)Where did you see this? The closest to this I can find is a $1.00 fee for each 'debit' in excess of 3 per month.

Glitch99 said:DreamKrusher said:They also have an ACH Withdrawal Fee $1.00 (not sure if this pertains to ACH push initiated via their bank)Where did you see this? The closest to this I can find is a $1.00 fee for each 'debit' in excess of 3 per month.

Truth in lending

Look in the fee schedule table on pg 2 or Search for "debit"

DreamKrusher said:Glitch99 said:DreamKrusher said:They also have an ACH Withdrawal Fee $1.00 (not sure if this pertains to ACH push initiated via their bank)Where did you see this? The closest to this I can find is a $1.00 fee for each 'debit' in excess of 3 per month.

Truth in lending

Look in the fee schedule table on pg 2 or Search for "debit"

Are you looking at this on page 2?

For all Savings Accounts:$1.00 for eachh
withdrawal (including preauthorized debits) in
excess of 3 per month

That's pretty clear that it is $1.00 for each withdrawal over 3 per month. I see nothing else in their Truth in Lending that indicates a $1.00 charge per ACH.

edit: oops, didn't realize someone already posted.

Somebody at Bankdeals noticed that the Better Business Bureau gave them a rating of F. F means "We strongly question the company’s reliability for reasons such as that they have failed to respond to complaints, their advertising is grossly misleading, they are not in compliance with the law’s licensing or registration requirements, their complaints contain especially serious allegations, or the company’s industry is known for its fraudulent business practices."

Be careful I opened a One United account and haven't been able to access my money. One United accepted my $1000 deposit but hasn't given me an opportunity to create a logon ID or password. I've tried calling their "customer service" department, but no one ever answers the phone. I called 5x and was on hold for a half-an-hour each time. They don't return messages and won't answer e-mails. I sent a certified letter demanding my money back and have filed a complaint with the FDIC.

Wow, I read this thread a couple days ago and was about to open the account today, but decided to check to see if there were any new posts. Glad I did. Has anyone had any good experiences with them?
daGerm said:Hope you do better than I did. I opened a One United account and had $1000 taken out of my regular bank account on 1/31. As of 2/11, I had not been able to logon to access my account. One United never gave me the opportunity to choose a logon ID or password. I tried calling them several times, but no one in "Customer Service" answers the phone. I can reach the Loan Department, but they won't do anything to help me. I've e-mailed them several times but still no answer. I'm at the point where I've made a complaint to the FDIC and have sent them a certified letter demanding my money back. Next step is to visit my Congressman's Office and find out what to do about their apparent Internet Banking Fraud.

You will not earn any interest unless the avg daily balance over the statement cycle is $1000. Do not know if the statement cycle is monthly or quarterly for this calculation. If anyone finds out, please post

daGerm said:Hope you do better than I did. I opened a One United account and had $1000 taken out of my regular bank account on 1/31. As of 2/11, I had not been able to logon to access my account. One United never gave me the opportunity to choose a logon ID or password. I tried calling them several times, but no one in "Customer Service" answers the phone. I can reach the Loan Department, but they won't do anything to help me. I've e-mailed them several times but still no answer. I'm at the point where I've made a complaint to the FDIC and have sent them a certified letter demanding my money back. Next step is to visit my Congressman's Office and find out what to do about their apparent Internet Banking Fraud.Any update? Is there still an issue, or had you in fact skipped the online enrollment step?

I applied and was approved on 2/7, and also filled out the registration for online banking at that time. I confirmed my trial deposits on 2/11, on 2/12 received an email saying my opening deposit had been processed (withdrawn from checking account 2/12). Also on 2/12, I got a second email saying that my account was ready to be opened - "Within 3 business days, the account will be opened, funded, and ready for use".

I tried using the login info provided on the online banking registration (l/p: SS#/last 4 digits of SS#) but it kept coming back as invalid. Today, 2/14, the login worked, I updated the login ID and password, and started to creat links to my other accounts.

So the timeline seems to be:
1)Submit application and online enrollment form
2)Confirm trial deposits
3)Money withdrawn from source account
4)New account opened within 3 days of #3
5)Online access activated following completion of #4