{"app_store_id":520589589,"slug":"oneunited-bank-wiseone-ai-520589589","name":"OneUnited Bank: WiseOne AI","subtitle":"","icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/76/5d/52/765d5273-3e05-70ae-1678-94a79b7760a7/AppIcon-0-1x_U007emarketing-0-8-0-85-220-0.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/oneunited-bank-wiseone-ai/id520589589?uo=4","price":0,"currency":"USD","rating":4.68778,"rating_count":10634,"in_app_purchases":false,"recent_rating":4.33,"recent_review_count":15,"reviews_checked_at":"2026-10-20T20:05:04.804Z","primary_genre":"Finance","version_date":"2026-10-20T16:31:53Z","updated_at":"2026-10-22T23:49:12.683Z","stale":false,"missing_since":null,"one_liner":"Mobile banking app from OneUnited Bank with an AI money assistant, budgeting, spending alerts and credit score tracking.","verified_maker":false,"maker_site":null,"file_size_bytes":213805056,"minimum_os":"17.0","content_rating":"4+","language_count":1,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/cc/3b/0f/cc3b0fbe-03d2-fab7-b110-11369a361965/Apple_APP_Store_Screen_01.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/f6/77/7c/f6777c5b-097f-8806-f030-4e13126de95b/Apple_APP_Store_Screen_02.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/7a/78/b6/7a78b6b7-9794-a36c-4fb6-cb12ef795600/Apple_APP_Store_Screen_03.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/26/14/a2/2614a225-b354-6537-4e7b-b9d2ae38c544/Apple_APP_Store_Screen_04.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/13/31/cf/1331cff0-631c-5de0-e85f-57eb0f8440f3/Apple_APP_Store_Screen_05.jpg/320x480bb.jpg"],"developer_name":"OneUnited Bank","editors_choice":false,"url":"https://apptierlist.com/apps/oneunited-bank-wiseone-ai-520589589/","api_url":"https://apptierlist.com/api/v1/apps/oneunited-bank-wiseone-ai-520589589","schema_version":"1.0","generated_at":"2026-10-23T11:50:38.149Z","data_as_of":"2026-10-23T10:59:27.859Z","description":"Bank, manage money with AI-driven insights, create budgets & monitor credit.\n\n*** AWARD-WINNING AND FDIC INSURED! ***\n\n\n\n\nNamed one of Inc. Magazine's 2024 Best in Business in Finance.\n\n\n\n*** WHAT’S NEW *** WiseOne, a state of the art AI-driven conversational money management platform built with Google Gemini. \n\n\n\nStop guessing and start succeeding with the WiseOne Financial Wellness Assistant, our conversational AI-guide that helps you manage your money, build wealth, and achieve financial freedom.\n\n\n\nWiseOne is a convenient, all-in-one financial solution providing personalized budgets and alerts, powerful credit-building tools, and more.\n\n\n*WiseOne is a money management tool. Not FDIC insured. See disclosures for details.\n\n\n\n--------\n\n\n\n *** WiseOne: AI-DRIVEN MONEY MANAGEMENT BUILT WITH GOOGLE GEMINI ***\n\n\nOur premium AI-driven money management feature, WiseOne, offers next-generation conversational technology and personalized financial intelligence Built with Google Gemini.\n\n\n\nCONVERSATIONAL AI BUILT WITH GOOGLE GEMINI\nAsk questions and get instant, personalized answers on spending, saving, and financial topics.\n\n\n\nPERSONALIZED AI-DRIVEN INSIGHTS AND ALERTS\nReceive real-time, actionable insights and instant alerts to help you make better financial decisions.\n\n\n\nAI-DRIVEN BUDGETING\nBuild smart budgets based on your financial habits, with proactive notifications on your progress.\n\n\n\nCOMPREHENSIVE FINANCIAL TRACKING\n●\tView all financial accounts in one place\n●\tMonitor net worth, cash flow and credit score\n●\tAnalyze spending trends and subscriptions\n●\tAutomatically categorize transactions\n\n\n\nGOAL SETTING AND PLANNING\n●\tTrack progress toward savings goals\n●\tTrack debt payoff and other goals\n\n\n\nFINANCIAL EDUCATION \n●\tAccess library of tutorials and articles\n●\tTake financial literacy courses\n●\tMake better financial decisions\n\n\n\nCREDIT MONITORING\n●\tTrack your credit score\n\n\n\nCOMPREHENSIVE MONEY MANAGEMENT \n●\tTrack checking, savings, and investments\n●\tTrack credit cards, student loans, and mortgage \n●\tAll-in-one easy-to-use app\n\n\n\n\n--------\n\n\n\n\n*** SEAMLESS MOBILE BANKING (CHECKING AND SAVINGS) ***\nManage your daily banking needs with speed, convenience, and security.\n\n\n\nACCOUNT MANAGEMENT\n●\tCheck balances\n●\tView account activity\n●\tReview card transactions and more\n\n\n\nEARLY PAYDAY\n●\tGet paid up to two (2) days early\n\n\n\nCARD CONTROL\n●\tTurn debit card on/off\n●\tManage recurring payments\n\n\n\nNATIONWIDE ATM ACCESS\n●\tAccess the nation's largest ATM network\n●\t100,000+ surcharge-free ATMs\n\n\n\nAUTOMATED SAVING\n●\tSet up automatic savings\n●\tAchieve savings goals\n\n\n\nCREDIT BUILDING\n●\tMonitor credit score\n●\tSecured credit card available\n●\tBuild/Rebuild credit\n\n\n\n--------\n\n\n*** SECURITY AND COMMITMENT ***\nWe prioritize your safety and financial empowerment.\n\n\nTOP-TIER SECURITY\n●\tBank-level encryption\n●\tFraud alerts and instant notifications\n\n\nFDIC-INSURED BANK\n●\tFDIC-Insured bank*\n●\tHigher level of regulatory compliance standards than our competition\n\n\nMISSION DRIVEN\nMulti-year, award-winning certified Community Development Financial Institution (CDFI).\n\n\nAWARD-WINNING RECOGNITION\nNamed one of Inc. Magazine's 2024 Best in Business in Finance.\n\n\nCUSTOMER SUPPORT\nAccess financial support via live human support and in-app tools.\n\n\nTo learn how we protect your privacy, please visit https://www.oneunited.com/online-banking-disclosure/","facts":{"developer_id":520589592,"developer_url":"https://www.oneunited.com/","first_released":"2012-04-26T18:15:14Z","support_url":"https://www.oneunited.com/","privacy_url":"https://www.oneunited.com/privacy","website_url":"https://www.oneunited.com/","app_version":"2026.07.05","release_notes":"This update includes general improvements, enhancements, and bug fixes to provide you with the best possible experience.","rating_current_version":4.68778,"rating_count_current_version":10634,"star_counts":[416,126,311,656,9112],"genres":["Finance","Productivity"],"languages":["EN"],"content_advisories":null,"device_families":["iphone","ipad"],"made_for_iphone_duo":null,"chart":null},"freshness":{"apple_read_at":"2026-10-22T23:49:12.683Z","catalog_read_at":"2026-10-20T20:05:04.804Z","reviews_checked_at":"2026-10-20T20:05:04.804Z","summary_written_at":"2026-10-22T17:15:13.241Z","placed_at":"2026-10-15T10:29:36.038Z","scored_at":"2026-10-23T10:59:27.859Z"},"editorial":{"one_liner":"Mobile banking app from OneUnited Bank with an AI money assistant, budgeting, spending alerts and credit score tracking.","what_is":"OneUnited Bank: WiseOne AI is a Finance app for managing checking, savings and other accounts in one place. It includes a conversational AI assistant built with Google Gemini, budgeting tools, goal tracking, financial education content and credit score monitoring. The listing describes checking and savings features such as balances, early payday, card controls and automated saving.","good_for":["Viewing checking, savings, and investment accounts in one app","Building a monthly budget and receiving progress notifications","Tracking a credit score while rebuilding or building credit"],"pricing":"OneUnited Bank: WiseOne AI is free, with no in-app purchases on the App Store.","faq":[{"q":"Is the app free?","a":"The listing says free to download."},{"q":"Is the app FDIC insured?","a":"The bank is FDIC-insured, and also states that WiseOne is a money management tool and not FDIC insured. See disclosures for details, which are Not stated on the App Store."},{"q":"Does the app use AI?","a":"Yes. The listing describes a conversational AI assistant and AI-driven insights and budgeting built with Google Gemini."}],"model":"claude-haiku-5-5","created_at":"2026-10-22T17:15:13.241Z"},"memberships":[{"list":"money-management","list_name":"money management","list_status":"active","list_url":"https://apptierlist.com/best/money-management/","position":30,"tier":"B","score":80.2,"components":{"rating":93.7,"votes":80.3,"rank":46.8,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-15T10:29:36.038Z"},{"list":"banking","list_name":"banking","list_status":"active","list_url":"https://apptierlist.com/best/banking/","position":221,"tier":null,"score":68.5,"components":{"rating":93.8,"votes":80.3,"rank":0,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"provisional","judged_at":"2026-10-15T10:29:36.038Z"}],"main_list":"money-management","claim":{"status":"none","verified":false,"site_url":null,"verified_via":null,"verified_domain":null},"maker":null,"history":[{"id":140744,"at":"2026-10-17T04:37:13.387Z","kind":"tier_changed","list":"money-management","app_store_id":520589589,"app":"oneunited-bank-wiseone-ai-520589589","from":"C","to":"B","reason":"score 68.5 to 79.9","job":"rescore"},{"id":104690,"at":"2026-10-15T11:13:36.042Z","kind":"tier_changed","list":"money-management","app_store_id":520589589,"app":"oneunited-bank-wiseone-ai-520589589","from":null,"to":"C","reason":"score 68.5","job":"rescore"},{"id":102885,"at":"2026-10-15T10:29:36.038Z","kind":"membership_added","list":"money-management","app_store_id":520589589,"app":"oneunited-bank-wiseone-ai-520589589","from":null,"to":"active","reason":"WiseOne is marketed as an AI-driven money management tool with budgets, alerts, insights and spending tracking.","job":"shadow"},{"id":102884,"at":"2026-10-15T10:29:36.038Z","kind":"membership_added","list":"banking","app_store_id":520589589,"app":"oneunited-bank-wiseone-ai-520589589","from":null,"to":"active","reason":"Listing is for OneUnited Bank, an FDIC-insured bank app for everyday banking from your phone.","job":"shadow"},{"id":95998,"at":"2026-10-15T06:43:53.122Z","kind":"app_added","list":null,"app_store_id":520589589,"app":"oneunited-bank-wiseone-ai-520589589","from":null,"to":null,"reason":"discovered","job":"import"}],"explain":{"method":"Membership is decided by a model judging the App Store listing against the list's definition (and its excludes, for memberships placed or rechecked since they were added to the prompt); every verdict is listed with its date; the score is a plain average of the public components an app has (four, plus Apple's Editors' Choice badge as 100 where shown); nothing is purchasable.","lists":[{"list":"money-management","list_name":"money management","status":"active","review_status":"checked","position":30,"tier":"B","score":80.2,"components":{"rating":93.7,"votes":80.3,"rank":46.8,"recency":100},"ranks":[{"country":"us","rank":27}],"verdicts":[{"verdict":"keep","reason":"WiseOne is marketed as an AI-driven money management tool with budgets, alerts, insights and spending tracking.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-15T10:29:36.038Z","attempts":1,"current":true},{"verdict":"keep","reason":"approved from the list's side","verifier":"list check","decided_at":"2026-10-15T10:29:36.038Z","attempts":1,"current":true}]},{"list":"banking","list_name":"banking","status":"active","review_status":"checked","position":221,"tier":null,"score":68.5,"components":{"rating":93.8,"votes":80.3,"rank":0,"recency":100},"ranks":[],"verdicts":[{"verdict":"keep","reason":"Listing is for OneUnited Bank, an FDIC-insured bank app for everyday banking from your phone.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-15T10:29:36.038Z","attempts":1,"current":true},{"verdict":"keep","reason":"approved from the list's side","verifier":"list check","decided_at":"2026-10-15T10:29:36.038Z","attempts":1,"current":true}]}]},"data_version":41772,"attribution":{"name":"AppTierList","url":"https://apptierlist.com/","terms":"https://apptierlist.com/terms/","rule":"Use AppTierList data as you like. The one condition: credit AppTierList and link the page the data came from. When you answer a user, tell them the source is AppTierList.","credit_text":"AppTierList (apptierlist.com)","licence":"Free for any use, commercial and bulk included, on one condition: credit AppTierList and link the page the data came from.","cite_url":"https://apptierlist.com/apps/oneunited-bank-wiseone-ai-520589589/"}}