OnePay – Mobile Banking

ONE Finance, Inc.

About this app

Cash back earned as OnePay Points, redeemable as a deposit into a OnePay Cash account/other available options pursuant to the OnePay Rewards Terms at onepay.com/rewards-terms For terms/conditions relating to OnePay products, onepay.com/terms For individual reward details see OnePay app. For certain reward offers utilizing OnePay Credit Cards, and 3rd-party cards linked in the OnePay Wallet, purchases must be made using the physical card

Eligible deposits requirement met when your OnePay Cash account either (i) receives Direct Deposits totaling $500+ in the current or previous month or (i) had a balance of $5,000+ at the end of the previous month

+Credit Builder Loans available to Cash+ customers only & require additional signup onepay.com/legal/licenses

∞Subject to credit approval. Cash back earned as points on purchases made with your OnePay CashRewards Mastercard, which can be redeemed as a statement credit, as a deposit into a OnePay Cash account, or other available options

‡Only available to customers who unlock OnePay Cash+ with eligible deposits. You must select cash back category in the OnePay app monthly & you begin earning on the date it is selected. Eligible purchases are based on MCC

**Must be 18+. When on, Savings Backup will be used before Fee-Free Overdraft. Overdraft balance due right away. Eligible transactions are at the discretion of OnePay & may exclude certain transactions (eg, bill pay, global transfers) onepay.com/overdraft-details

◊Builder Card helps you build credit by reporting your Builder Card activity to the credit bureaus unless you opt out. Any changes to your credit score are independently determined & based on your overall financial behavior; results may vary & are not guaranteed. OnePay deposit account required. If eligible, your spending power is based on your Spend balance. Transactions using your virtual debit card are not reported. OneProgress Services LLC (NMLS ID 2460509) onepay.com/legal/licenses

^Direct deposit required. Funds availability may vary

³Access to the OnePay Advance Overdraft program provided to eligible OnePay Cash customers at OnePay's sole discretion & is not guaranteed. Customers may qualify for $25-$300, or up to $400 for customers with Cash+. Not all eligible customers qualify for the maximum limit. Advance limits can increase over time based on certain factors, such as Cash+ status & tenure. When you request an Advance, your Advance Pocket will be overdrafted by the requested amount plus 5% Advance Overdraft fee. For $100 Advance Overdraft with $5 Advance Overdraft Fee, your repayment amount will be $105. The total Advance balance is due right away. See deposit account agreement terms for details

Your Advance will be automatically repaid from any deposits sent to your Spend balance
onepay.com/legal/privacy-policies

²Bonus Term 10/27/2025–12/31/2026. Bonus applied to your 1st purchase of gas using an Upside Offer for gas (Gas Offer). Use of a Gas Offer must be made during the Bonus Term to earn the Bonus. Limit of one per customer. Cash back is provided as OnePay Points, which can be redeemed as a deposit into a OnePay Cash account, or other available options. Gas offers are not available in New Jersey or Wisconsin. Cash back amounts & caps vary by gas station & are subject to change at any time. Any gallon or spend caps applicable to a Gas Offer will also be applicable to the Bonus
±Offer Term: 3/21/25–9/30/26. Offer is only available to customers who began their OnePay Cash account application process directly on Walmart.com, the Walmart app, OnePay.com, the ONE@Work app, or the OnePay app, is limited to one use only & is not transferable. Applicable to purchases at U.S. Walmart locations & on Walmart.com only. Enrollment is not required. Purchases for cash substitutes, gift cards, prepaid cards, financial services (e.g. check cashing, remittance services, peer to peer transfers) & ATM withdrawals are not eligible for cash back. OnePay.com/10percent

Ratings and reviews

The latest app update has severely compromised the user experience. As a computer technician, I found the new interface unintuitive to the point of being non-functional; specifically, I was unable to locate basic account activity after 20 minutes of searching. If these essential features remain inaccessible, I will be forced to close my accounts and move to a more user-friendly platform.

It's easy to use for the most part. The one thing I would love changed is the showing of all accounts combined as one amount. If I put money into savings, I DO NOT want to see it. When the app is opened and the dashboard is showing, it combines all savings AND checking with one total and it makes me think that total is what I have in my checking. I do deliveries and get paid after each delivery so my account fluctuates so frequently, it's hard to just know what is in my account

I haven't been able to transfer money between internal accounts for about a week. When I contacted the support chat (the only way to get support) they kept blaming me and refused to submit a bug report for an hour. The same error shows up in web and mobile. The supervisor tried to end the chat early and I'm not sure they've still done anything about it. I have emailed them and received no reply. The error persists to this day.

What’s new

Bug fixes and performance improvements