Millionaire Banker Drops Blueprint on HOW TO GET RICH w Credit! (NEVER BROKE AGAIN)

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Издатель Jul 30, 2026

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OneUnited Bank President Terri Williams on Banking Black, Second Chance Checking, Secured Credit & Cash Please Loans

Terri Williams, president, COO, and owner of OneUnited Bank, the largest Black-owned bank in the U.S., with offices in Boston, Miami, and LA and a digital platform launched in 2006 serving customers in all 50 states. Williams shares her upbringing in Indiantown, Florida, and the influence of her great-grandmother, Mahany, on her path through Brown University and Harvard Business School. She explains OneUnited’s mission to build wealth and close the racial wealth gap through products including Second Chance checking for people with ChexSystems records (with the ability to graduate after a year), a Unity Visa secured credit card with no minimum credit score check, and the Cash Please short-term loan up to $1,000 with no credit check. She also discusses OneUnited’s partnership with Black-led fintech Lendistry to offer small business loans from $50,000 to $5 million and encourages buying existing legacy businesses. Williams argues for banking with Black-owned banks due to community lending, hiring, and services.

00:00 Welcome And Guest Intro
00:19 What Is OneUnited Bank
01:00 Terri Williams Journey
02:19 Community Wealth Initiatives
03:41 Second Chance Checking
05:45 Secured Credit Card Basics
07:20 Cash Please Loan Explained
09:58 Why Big Banks Miss People
10:40 Lendistry Business Lending
13:12 Buying Legacy Businesses
17:10 Why Bank Black
19:04 Wrap Up And Links