OneWest Bank

National Bank,

OneWest Bank logo
B+ MyBankTracker
MyBankTracker rating based on the following criteria that includes customer reviews, financial health, bank fees and other key factors compared to the other banks.
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About the Bank

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OneWest Bank Fees

  • National Average
  • Monthly Inactivity N/A $6
  • Non-Sufficient Fund (Overdraft) $30 $30
  • Stop Payment item $20 $27
  • Return Deposit $10 $13
  • Domestic Wire Transfer (Outbound) $20 $22
  • Domestic Wire Transfer (Inbound) $10 $10
  • Non-Bank ATM $0.0 $1.0

Locations & Hours

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Latest Customer Reviews

    Reviewed By clreview937 Dec 7, 2017

    Shit Show

    Do not ever, EveR, EVER do business with this bank. Especially when it comes to the procurement of a mortgage.

    I first moved into this neighborhood over 25 years ago and have done business with this bank (back to the days of First Federal) the whole time. I moved out of my house in 2010 leaving behind the wife and children whom I supported. I have been waiting for the day I can move back into the Beloved House. Especially, the last 4 years, I have been living in this Godforsaken Apartment in the godforsaken neighborhood of NeverMind.

    Anyway, I can now move back to the home neighborhood. I reestablish friendly, personal (nonelectronic) relations with my friendly, personal neighborhood bank. (Now OneWest or, not even, CIT. I will refer to it as OneWest since thats what the sign says.) It was suggested that since there was considerable damage done to Beloved House in the interim and since I had over two months lease left on the Godforsaken Apartment that I do some serious remodeling. So why not do a remortgage with OneWest with a substantial cash out. Good idea.

    Talked with a contractor, everything ready to go. Meanwhile, back at the bank: Dawdle, dawdle, dawdle. E.g., they acquired from their own records a phone number which was not in use and had the appraiser calling and calling this number for over a week. Papers, documents and forms got sent, resent and reresent. Dawdle, dawdle, dawdle. Then, just when I was about to contact some shakenbake loan organization for an alternative mortgage plan, OneWest comes through. I have been pre-approved and will certainly get this loan. Construction starts. The bank? Dawdle, dawdle, dawdle. And some prying into intimate details of my unremarkable, boring finances (to which they had full access since, after all, I did all my banking at OneWest) not to mention various aspects of my personal life. Finally after 67 weeks, it is time to sign. BTW, Shakenbake loans take about 3 weeks, other banks 35.

    On the day I was supposed to sign, I get an email from the loan officer that the loan has been rejected. Why? Because the underwriter, in all of her wisdom has concluded that I did NOT want to move back into Beloved House after all. Indeed, it was concluded that what I DID want to do was to fix up the house for a rental and, , continue to reside in the Godforsaken Apartment.

    Then a careful calculation of (my rent)+(my new mortgage payment)+(my known expenses) allows them to conclude that I would be coming up short about $800/month to qualify for this loan. (I.e., having this loan AND continuing to pay rent would cost me $800/month more than my current expenses.) Hey, if I had intended to rent the house, which I had not, what about the 410 thousand per month that I would have been making in rental income. If I had wanted to rent the Beloved House. Which I did not.

    But, no fear, the good folks at OneWest are going to escalate overturn the judgement of the underwriter. Dawdle, dawdle, dawdle. Several weeks later, this has gone to highest regional office of OneWest who agree that I should get this loan but, unfortunately, a committee of regional underwriters has upheld the decision of the original underwriter. No loan.

    This has put me in an impossible position with the contractor (and has put the contractor in an impossible position with himself). Now any sort of loan is very difficult to acquire. And not cheap either. Details will be omitted. Bottom line: I have been agonizing and scrapping with the full spectrum of loan granting institutions and have acquired a very expensive loan. Remodeling will recommence. Aside from months of my time, all this has cost me tens of thousands of dollars. Several tens. And, for the time being: Still stuck in the Godforsaken Apartment.

    Need a mortgage? Try the Shakenbake organizations or, maybe, try a respectable bank that actually wants to transact business. Anything but OneWest Bank.

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    Reviewed By hlreview937 Dec 7, 2017

    Horror Show

    I dont usually bother with writing reviews, but my recent participation in dealings with OneWest bank has been such a horror show that I feel obligated to do so.

    So a guy is a 25 year customer of his friendly local neighborhood bank and tries to get a cash out refinance with an eye towards some remodeling. The bank calls up a loan officer from Pasadena and everything starts out ok. After personally handing most requisite paperwork to the loan officer, it is then required to re-upload these documents to their web system (by far not the best Ive seen, by the way) and at this point the loan has been passed on to a processor and the loan officer goes incommunicado for a week having failed to pass on the correct phone number for the appraiser to get in touch with the customer.

    After much delay, the appraisal was finally done. (In the meantime of course there was an error on the 4506-T form.) Then presumably instigated by the underwriter they start prying into everything from divorce agreement to bank deposit statements to rental lease, repeatedly requesting letters and explanations for purpose of loan and intent to occupy; all the while the loan officer appears to be under the impression everything would be fine. The underwriter turns down the loan on closing day, having worked extremely hard to come to the conclusion that the property under consideration must have been unoccupied for 2 years (false) and that the applicant must have intention of continuing to reside in his current apartment and rent out the house.

    In addition to everything else, the entire mess was designed to stretch out over 6 weeks (thats not counting a couple more weeks of escalation to try to overturn the underwriter) when the national average for getting a mortgage is 3. Maybe all of this can be considered very funny, but it cannot bode well for an organization to have employees so dedicated to antagonizing the customer. I thought that even with all the mishaps, at the end of the day a bank advertising mortgages at least wants business I was wrong. On the subject of funny, the bank loses a mortgage deal and a customer, the customer loses much time and money, but somebody did make a small profit from all of this: the appraiser.

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    Reviewed By PatrickSoria Nov 25, 2017

    Cost Me My Business

    This bank opened an account for me and took in $41,000.00 but then told me that I couldn't access it until the account was "approved" even though it had already taken money. They made me wait 3 days, then on the eve of a holiday, I asked them if I should just cancel the process and open an account elsewhere to which they assured me not to worry, worse case scenario, they would cut a cashier's check for what was there and we could open elsewhere. The Friday after Thanksgiving (11/24/17), the Manager, David, decides instead of keeping his word, he was going to deny the account and send the wired BACK TO WHERE THEY CAME FROM. Without my consent, and without my approval he sent my money away and now they ARE STILL NOT BACK IN THE ACCOUNTS THEY ORIGINATED FROM. He didn't know what that money was for or whats importance was. He claimed that the account wasn't open, well my response was, if it takes in deposits and your people hand me a welcome packet, then guess what, ITS OPEN.

    This guy and this bank will be the reason my business closes down for good. Bar none.


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