One - Mobile Banking

30.8K reviews
Content rating
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About this app

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

Join the millions of customers banking through One.

Cash back can be earned through the One Rewards Program. See the One app for individual offer requirements. See for terms.

With eligible deposits, up to $50 every year.
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 This promotion may not be combined with other One promotions that offer cash back on purchases at Walmart. See for terms.

No monthly fees* or minimum balances.
For One Retail Cards purchased at an in-store retail location, a $5 One Retail Card Fee will be applied 15 days after purchase and then every month until you apply for a One account, are approved, and make an additional deposit.

Send and receive money in seconds with One to One. Just search, select, and pay anyone.
Money sent through One to One can only be transferred to a One Deposit Account. If the recipient does not have an account, they must open one within 10 days of money being sent or it will be returned to the sender.

Get paid up to 2 days early with direct deposit.
Direct deposit may be available up to 2 days in advance, but depends on when your employer sends paycheck data.

With eligible deposits up to $250,000. Plus, receive 1.00% APY on the rest of your Savings balances.
5.00% annual percentage yield (APY) applies to the primary Savings pocket and custom pockets 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. 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 9/28/2023, but may change at any time before or after account opening. Fees may reduce earnings on this account.

© 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. Additional terms may apply. To see full account and promotion terms and conditions, visit or call (855) 830-6200. 

P.O. BOX 513717

Los Angeles, CA 90051
Updated on
Feb 28, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Location, Personal info and 6 others
This app may collect these data types
Personal info, Financial info and 3 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

30.2K reviews
Samuel Diaz
February 27, 2024
Wasn't going to review but the app has become terrible. Stays stuck on loading upon opening the app. I've Uninstalled and reinstalled a couple of times but doesn't fix. All of this started since the latest update. Nothing more disappointing than not being able to check your checking and savings. Not to mention being scammed recently and the dispute being closed within a day after an unauthorized withdrawal and obviously was not in my favor. No number to call, only a "chat". Going back to a bank.
11 people found this review helpful
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ONE Finance, Inc.
February 28, 2024
Sincerest apologies. Can you please reach out to us at We'd like to look into this for you. also you can get in touch with us on ☎️ (855) 830-6200 (9AM - 9PM ET, 7 days a week) / Chat available in app 24/7, so we can look into this for you.
Jimbo Productions
February 26, 2024
Dont be mislead, there is no 'instant transfer' option. Its 1 to 3 business days. Unless you want to withdraw cash but it seems more complicated than casting a spell in Wiccan. L Update: well, the transfers aren't instant, but overnight is pretty close enough. And it was my employer w the shady wording. The app works really well and gives you alot of saving options. User interface might have gotten worse since the last update, but thats pretty much every popular app these days. Would recommend!
6 people found this review helpful
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ONE Finance, Inc.
January 22, 2024
Oh no! We sincerely apologize for the troubles you're experiencing with the app. Please contact us at and include the subject line of your review. Thank you!
Gio Cirillo
February 25, 2024
The new redesign is ok. It takes a few too many taps to get from the front page to being able to view debit/savings and actually do the things the app was built to do. I hate it when big UI updates are rolled out unexpectedly and it's especially jarring when it's something as personal and vital as banking. It makes me fear that policy changes will also be made very suddenly.
36 people found this review helpful
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ONE Finance, Inc.
February 25, 2024
Thank you for your feedback! We are actively collecting all feedback regarding our recent updates from our customers. Rest assured that your input is being shared and heard by our team. Please reach out to us at if we can assist with anything at all. We're here to help!

What's new

All–new look. Same great value. Our banking experience just got better. Plus, you can still get Debit Rewards, early pay, and high-yield Savings — all in one.