By Ward Williams OneUnited Bank OneUnited Bank was the first online-only Black-owned bank and is the largest Black-owned bank in the U.S. Originally founded in 1968 as Unity Bank and Trust Co., OneUnited has financed almost $1 billion in loans thus far, predominantly in low- to moderate-income communities. Ever since the founding of the Bank of North America in 1781, banking has played a critical role in facilitating the American Dream. 1 These institutions provide indispe