One — Mobile Banking

ONE Finance, Inc.

About this app

Pay, bank & build credit.

One is a financial technology company, not a bank. Banking services provided by Coastal Community Bank, Member FDIC. Approved One Cash accounts are FDIC insured up to $250,000 per depositor. One card is issued by Coastal Community Bank pursuant to licensing by Mastercard® International.

*Sign up for first deal. Claim cash with a One Cash Account only. Deals expire. See terms at one.app/one-pay-terms.

†Cash back can be earned through the Debit Rewards Program. Individual offer details can be found in the One app. See terms at one.app/rewards-terms.

‡To receive 3% cash back, eligible customers (at the time their purchase settles) must (a) have received $500 or more of eligible direct deposits in the previous month, or (b) have a total account balance of $5,000 or more. 3% cash back is limited to up to $50 per year and applies only to purchases made at U.S. Walmart locations and on Walmart.com. This promotion may not be combined with other One promotions that offer cash back on purchases at Walmart. See terms at one.app/rewards-terms.

Δ4.35% annual percentage yield (APY) applies to the Savings balance of One Cash customers who either (i) received $500 or more of eligible direct deposits in the previous month or (ii) have a total daily account balance of $5,000 or more. 4.35% APY is also earned on Pay Autosave and ONE@Work Save balances without these deposit or balance requirements. In all instances 4.35% APY is limited to a total Savings balance of up to $250,000. All other Savings balances will earn 1.00% APY. APYs are as of 10/10/2024, but may change at any time before or after account opening.

**With eligible direct deposits totaling at least $500 in the previous month. Must be 18 or older to receive overdraft protection. Overdraft balance is due right away. Transactions eligible for overdraft protection are determined by One.

ʌDirect deposit may be available up to 2 days in advance, but depends on when your employer sends paycheck data.

+Use of the Credit Builder Program does not guarantee that your credit score will improve. Credit score improvement is dependent on your specific circumstances and a variety of factors, including your financial behavior. Failure to make monthly minimum payments on time may negatively impact your credit score. Credit Builder is available when you bank through One and have eligible direct deposits totaling at least $500 in the previous month. All Credit Builder Programs are subject to approval. OneProgress Services LLC, NMLS ID 2460509. See Licenses page on one.app for state disclosures.
One is not a credit repair service and does not remove negative credit history from your credit profile.
Based on a 12 month loan with $25 monthly payments and a 0% APR. You can choose how much you’d like to contribute towards your monthly payment, with a minimum of $1. If you choose an amount less than the full monthly payment, the remainder will be paid from the loan proceeds held in your Credit Builder lockbox.

◊The credit score provided by One is your VantageScore® 4.0 by TransUnion® and may not be the credit score model used by your lender. Lenders use a variety of different types of credit scores to make lending decisions.

∞Global transfers may not be available to all One customers.

© Copyright 2024 One Finance, Inc. All third party products, names, logos, and brands are the trademarks or registered trademarks and property of their respective owners. Use of them herein is for identification purposes only and does not imply any ownership, affiliation, or endorsement.
To see terms and conditions relating to One's products, visit www.one.app/terms.

P.O. BOX 513717
Los Angeles, CA 90051

Ratings and reviews

Think it's more so the bank.. Had my account compromised, reported it, however, while waiting for my new card I was not able to even touch my own paycheck. My whole account was frozen. Only to get the new card to find out it was compromised again! At almost 2 weeks I was finally able to use the virtual wallet aspect. Even if that I was only able to buy things at walmart. I had to transfer money to another account to use money anywhere else. And got charged fees. Meanwhile I still wait for card .

I like the app, and how I can add all my cards and transfer money to other accounts. However, the ATM page said that there would be no fee at a specific ATM. I used that ATM 4 times, because I thought there was no fee. Turns out that it's only fee free if you have One Plus. That information was extremely hard to find and they knew damn well I didn't have One Plus. I could've gone across the street to Walmart and it wouldn't been free. They refuse to refund!

Update on 10/17/24: I emailed them several times, and they only responded to inform me:They escalated the case and then no updates afterward at all. Their app doesn't work. Apparently,they have no intention to fix or it is a scam. --- One app isn't working. Downloaded and completed the first two transactions later stopped working. It makes you think what's the point of having a debit card solely depends on an app that doesn't work. They don't seem to have a website that I can log in to either.