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.

Δ5.00% annual percentage yield (APY) applies to the total Savings balance of 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. Customers can also earn 5.00% APY on Pay Autosave and ONE@Work Save balances without these deposit or balance requirements. In all instances 5.00% 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 4/17/2024, 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

Total scam. Don't sign up for this!!! I was offered a $15 credit at the Walmart Online Checkout to give this app my Credit Card info. I followed the instructions exactly, but did not receive credit, and there is no way to even use the app to "scan" when paying online. Now the credit has disappeared, and some company I've never heard of (and is NOT affiliated with Walmart - and Walmart can't help me) has my credit card info. I'm going to have to cancel two credit cards and have them reissued.

This app is only good to get instant pay from Spark, but otherwise, the actual "Bank" features are terrible. I've deposited checks, and they take very long to process. If you ever have to dispute a transaction, that's also a long process. I could only recommend this if it's the only option you have or if you are using it to get paid for your spark orders. Other than that, dont use ONE. Update: I deposited a check on a Tuesday, and it is now Monday, and it still hasn't gone through. Horrible.

5 stars! I rarely give out btw... Got introduced to this mobile banking card because I do the spark driver Walmart delivery grocery thing. This is by far the best money mover I've ever used. Super low fees to transfer money out instantly to my main debit banking card. Also, they give a lot of discounts to other businesses, including Walmart. The app interface is the best part in my opinion. So good job Walmart engineers. We appreciate it :) home run on this one I think!