One united bank houston -ubphila.com
Tri-State Bank (Memphis, TN)
Tri-State Bank of Memphis was founded in 1946. It serves the financial needs of individuals, small businesses and organizations in the Memphis region. ctbconnect.com
Broadway Federal Bank (Los Angeles, CA)
Broadway Federal Bank's mission is to meet the real estate, business, and financial needs of those who live in underserved urban communities. oppffcu.com
Harbor Bank (Baltimore, MD)
This Black-owned bank offers accounts (checking, savings, time deposits), credit cards, a debit card, and loans (commercial real estate, personal, home improvement, automobile, and other installment and term loans). The Harbor Bank primarily serves the Baltimore, Maryland area, but also has a branch in Riverdale, Prince George’s County, Maryland.
One United Bank Account Number
Face ID VS Fingerprint: Which Is More Secure?
Our data is the most precious asset for us. We have to keep it safe from cybercriminals. Therefore, we must know about security apps to protect our phone and personal data. Now the question is: Face ID VS Fingerprint; Which is more secure? And which one is to be chosen? Fingerprints are the security key Rather than most of us rely on two critical elements of our fingerprint data that only we possess and no one else. There are two main options for those who are looking for an app to secure their devices that entirely rely on Face ID. As we know, face ID has its benefits as well as drawbacks, fingerprint also owns many benefits, drawbacks you should know. The Apple iPhone has long had Touch ID. It has a fingerprint sapphire crystal sensor which unlocks the phone only if the pattern matches. This kind of match used not just the whirl of your fingerprint. It also includes the location of your skin's clear pores to ensure that it was you who was trying to access the device. However, Apple removed the home button with the iPhone X, which can open your phone with a fingerprint. Despite it, Apple offered something unique that is Face ID. The security level of Face ID Apple demanded a sleek front phone and removed the home button that had been the base of the device since its starting. Then it offered an alternative that was more simplistic, but few argue less secure. The owners of the mobile point at camera, face, and unlock their smartphones rather than using a fingerprint. Furthermore, it is designed to be a friction-free process. However, this one is considered less secure. Research has proven that it is possible for strangers who have similar facial features got success in gaining access to your phone. The reason is simple because the technology works on a lower resolution. Unlike fingerprints, facial features are not at all unique. Researchers somehow managed to use social media pictures to spoof facial recognition security. It was done even before Face ID was released. This process is more straightforward than creating fake fingerprints. However, face recognition is considered to be better than no protection at all, but it is not relatively more secure than Touch ID. Reliability It is improbable to have as catastrophic consequences as many fears. Most accidental unlockings are likely to happen between family members instead of a criminal managing to obtain access. Therefore, the reality is that facial recognition is less reliable than fingerprints for gaining access to phones and devices. On the other hand, fingerprints have also proven to be get hacked. The fingerprint is strong enough to protect users from ordinary or opportunistic attackers which is substantially better than nothing. Moreover, if you are after quick and easy access to your phone as well as happy to trade off some security for that, then, in this case, relying on Face ID is a good alternative. However, you have to be just careful while storing vital information on your phone, which anyone could access. Authentic Security System Both Face ID, as well as fingerprint, is secured as declared by Apple. However, for the most part, that is true too. It is sporadic that a random person could unlock your phone. However, that is not the only type of attack to worry about it. While using different biometric authentication methods; Face ID and Touch ID are very similar in functioning. When you try to log in to your iPhone either by pointing your face at the camera on the front, or you put your finger on the touch sensor, the phone immediately compares the biometric data. It reaches and detects the data that is saved in the Secure Enclave. Furthermore, there is also available a separate processor that's entire purpose is to keep your phone safe and secure. Your iPhone unlocks if the face or fingerprint matches. If not, the message will be prompted to enter your passcode. Nothing Protects You from the Government Agencies Nevertheless, any security app can ever truly protect you from a determined government agency with virtually unlimited resources who want to get access to your phone. Not only can they legally bound you for using Touch ID or Face ID to unlock your phone, but they also have access to tools like the GreyKey. Greeley can crack any iOS device passcode that will make fingerprint and Face ID useless for you. Fingerprint and Face ID are incredibly convenient, and if they are backed up with a strong passcode, then it is secure for daily use by everyone. However, they might not protect you for long if you are the target of a determined hacker or government agency. Conclusion Both fingerprint and face ID is secure, but the fingerprint is more secure as compare to face ID. Anyone who has the same facial features as you can get access to your phone if you are using FaceID. Fingerprint ID is said to be unique as compare to FaceID.Read More
After the police killings of Alton Sterling and Philando Castile, rapper Killer Mike took to Atlanta's 107.9 radio station and encouraged black people to move their money into black banks across the nation. With a lack of support and protection from the larger institutions, Mike stressed the importance of economic engagement in order to strengthen and build the community.
Since his call to action, black owned banks received large influxes of new customers as well as celebrity supporters like Solange, Usher, and Jermaine Dupri. On Monday, Mike posted on Instagram and asked for the billionaire Michael Jordan to deposit funds from his sneaker empire's profit into a black bank.
In July, OneUnited Bank in Miami, Florida held a #BlackBankChallenge, where staff, local city officials and CEO, Teri Williams helped to open new accounts. As the largest black bank and the first black bank with online banking, the company has made strides to foster financial growth in the black communities across the country. Williams told The FADER over the phone, "We've been opening about 30 to 50 accounts a day prior to this whole movement. Now we're opening up to 1000 accounts a day."
Black people have attempted to boycott Black Friday to redirect the financial focus on the black community, but Williams thinks it worked this time because people have finally gotten "sick and tired of being 'sick and tired.'"
Over the phone, Williams spoke with The FADER and broke down how much it costs to open an account at OneUnited, how to dismantle of the misconceptions that black people have about banking black and the power of moving our money but also our mindset.
What's the importance of the impact that supporting black banks has historically had on the black community?
As far back as Marcus Garvey and in Martin Luther King's last speech, he told the audience to take their money out of the downtown banks and move them to TriState which is the black bank in Memphis. They understood the importance of moving our money to the black owned banks. The reality is these banks, including OneUnited and all of the banks that came before us were created out of the Civil Rights Movement when the majority of the banks were not accepting us as customers. Since then, integration has happened and people may think now we don't "need black banks," but it's actually the opposite.
Black banks are more likely to be in black communities for black people and to lend to black people. Those are facts. They're more likely to employ black people and fund black businesses. At our recent Black Bank Challenge, Killer Mike was here for the event and that Sunday we met him at Jackson’s, which is one of the black restaurants in Miami. If you look in the black community, over time, it was employing black people and the majority of people that were working in establishments were black. So if we can support our black owned banks and our black owned businesses, we will employ more of us, we will better serve our needs — and for banks, we will circulate our dollars. If you put $100 dollars in our bank, it's still your $100 dollars. You can still take it out, and put it in.
I’ve spoken to people who have some reservations about higher deposit minimums at black banks. What are some of the misconceptions that black people have about moving their money into black owned banks in 2016?
It's $100 to start a savings account. If you keep $100 in that savings account you won't get charged any fee, and our interest rates for that saving accounts is higher than what you would get if you walked into a Bank of America. What I would recommend is, you do a direct deposit of, I don't care what it is — five or 10 dollars a week and just let it grow. Make sure it comes out of your bank account before you touch it because if you touch it, you're gonna spend it. We're FDIC insured so your money is safe. We have online and mobile banking so that you can check your accounts every hour. We have direct deposit. You can take a picture of your check with your phone and deposit it.
We have 20,000 ATM's surcharge-free across the country so you can get to your money without paying a fee and we can direct you to ATMs in your community that won't charge you for using them. You can transfer money into and from another bank. You can pay other people. We have something called, "PopMoney" where you can pay other people by text. All the technology you get with the large institution we have. You can walk into a branch and come visit us. Getting around misconceptions is a part of "moving our minds," because we tend to think that their ice is colder.
What are some ways that people can get free from that mindset?
This movement really starts with you. It starts with everyone taking this bank black challenge. If we can get a million people to move $100 dollars then we would've moved $100,000,000. Those are the kinds of numbers we have the power to effect. When we start to recognize our power, and the rest of the world starts to recognize our power. For everyone to say that $100,000,000 we've moved is in FDIC-insured institution, it's earning great rates, we know how to do business with each other; it's kind of like the first step.
What you're doing today is going to change our criminal justice system and mass incarceration, and it's going to change the use of our dollars and people taking our dollars for granted. It's going to build wealth and your children and your children's children will understand how to build wealth. We don't have a culture of wealth-building. We're building that and excellence, and we're building our culture to say that, "We're not gonna take people coming into our community and taking advantage of our culture without any retribution, without an attribution."
Would you say those are the reasons why the economic autonomy is just as important as the protests against police violence in the Black Lives Matter movement?
Absolutely. It goes back to changing our mindset. It's important for us to do business with each other and work with each other. To trust each other is a leap we have to take. There's no other way around it.
Engaging with black banks strengthens a bond within the black community and goes against the idea that we don't support one another.
That's also something that we have to recognize; that there are other voices in our heads that are telling us that we don't.
What voices are those?
[Laughs] It's like, you turn on the television and you see these all these fabulous ads of these majority business. People say to us [OneUnited Bank], "Oh, we don't see you on TV." What you see on TV is they're all majority businesses whether it's Red Lobster, or it's Houstons or all of these places in a lot of cases, foods that originated from our community, saying how you can come and have the festive occasion. Then right around the corner, the black restaurants, who have the original recipe, we just don't see them. We're not purposely not going to them. Other ethnicities, they're already connected and this is second nature for them. We have to become connected, we have to do business with each other. We have to change our mindset. We're going to support one another. We're going to change our mind to say, waiting for ten minutes at Jackson's is not the worst thing in the world. It became a community gathering. People go to our social media page and what they will see is total positivity about black folks.
We’re building that and excellence, and we’re building our culture to say that, ’We’re not gonna take people coming into our community and taking advantage of our culture without any retribution, without an attribution.’
As people continue to invest in black banks how does that directly service black people in the community?
We see this as not just about moving your money, we see it to be about moving your mind. Even though it's a "bank black challenge," and we're asking everyone to put $100 dollars, and to tell their friends, and spread the word — we're actually trying to move the mindset of black Americans. We need to focus on our money, to start recognizing that it can be used purposefully, and that we can and should be channeling our 1.2 trillion dollars in spending power into our community for good. I always explain that our dollars circulate in our communities for only like six hours. We get paid, we get a haircut or our hair done. I don't know if that's the case for everyone, but my guess is biggest dollar we circulate through our communities is our black hair salons and barbershops, and also church. And all of the rest of dollar is going somewhere else. You can imagine, a country where 98% of their dollar is spent somewhere else — you can imagine that that would be a very poor country, and we need to think, how can we get more dollars into black-owned banks, black-owned businesses, not organizations that support the black community. How can allies of blacks do the same so we can create jobs in our community, and create wealth in our community?
Now, that the movement has started, how can we stay economically engaged in building black wealth?
It always seems like when we start something there's always some negativity thrown into it. This is all positive. A savings account, $100 dollars, you can do it in 10 minutes. There are people that are stuck in that negative space and we need to help them become positive. We [the banks and supporters] just have to continue. It’s about moving our money, moving our minds and it has to continue. We're going to do everything we can to make sure it does. We have to create "ambassadors" or virtual branches and people in communities around the country that are talking about this. We are getting new customers from all across the country and we're in L.A., Boston, and Miami, but now big places like New York, D.C., Houston, Chicago, and Dallas. Each of those who are now members we have to get them to spread the word. Yes, the first step to this revolution it is about moving your money, but it has to go beyond that.
We really have to start thinking about moving our minds and thinking about, "How am I spending my money. Where am I engaged in the black community? Am I buying black books? Is my plumber black?" Just think about it. If you ask around, people will be able to refer you to our businesses. That's how we have to keep this going. We have to create these ambassadors, create these leaders. It really is leadership. The people who should be pushing these black bank challenges that we've been having are the millennials. They called the shots and said, "Hey, we want to have a meeting. We want to bring our friends to your banks," and in honor of them, being pushed by them, led by them, and celebrated by them we put these events together. As an institution, we get it and we totally respect the next generation. You guys got it going on and we provide the resources and paid for it, but it's really your energy that is moving us forward.
FAMU Federal Credit Union (Tallahassee, FL)
This credit union strives to provide financial services to its members at competitive rates. Its services include accounts, loans, wire transfers, and more. See the website for membership eligibility.