ONE - Mobile Banking

11K reviews
Content rating
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About this app

Easily spend, save, and organize your money from a single account—for free! Download the app and create an account to earn high-interest savings and better organize your money with Pockets. No fees, no minimums. Opening an account does not impact your credit score.

• Earn 1.00% APY* interest on balances up to $5,000 in your Save Pocket

• Get paid up to 2 days early
• Earn 1.00% APY* on balances up to $25,000 in your Save Pocket
• Increased overdraft protection

• Fee free overdraft protection
• Create and share unlimited Pockets to organize your money
• 55,000 fee-free Allpoint ATMs
• Automated budgeting tools
• No fees. No minimums.

• Create virtual cards to mask your physical card number, so if a site is fraudulent or breached, your physical card number isn’t exposed
• Lock your card from the app if it goes lost or stolen
• Instant transaction alerts anytime the One card is used
• Use biometric identification to open the One app, such as Face ID and fingerprint authentication
• FDIC-insured** up to $250,000 per depositor
• Powerful data encryption

Manage money together and share a Pocket with friends and family
Pay anyone with free ACH bank transfers

Banking services provided by Coastal Community Bank; Members FDIC. ONE is a financial technology company, not a bank.

*Annual Percentage Yield effective as of 9/1/2020 and subject to change. 1.00% APY available on Save balances up to $5,000, up to $25,000 with a qualifying paycheck direct deposit.
Early Paycheck may post up to 2 days earlier than the scheduled payment date. Early direct deposit of a paycheck depends on factors such as timing of the payer’s deposit transmission, and the type of payer transmitting the deposit. Learn more about what qualifies as a paycheck direct deposit at
°ONE and its partner Coastal Community Bank does not make any investments in the fossil fuel industry.
The ONE card is issued by Coastal Community Bank, Member FDIC, pursuant to license by Mastercard International.
Updated on
Jul 1, 2022

Data safety

Developers can show information here about how their app collects and uses your data. Learn more about data safety
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11K reviews
Todd Boley
May 27, 2022
Gave them a shot when Simple closed down. Good at first, continued to improve. Until it didn't. Just sort of plateaued at OK, until they took away everyone's credit like with literally no advanced notice (this happened to me right in the middle of a truck buying process and througna huge wrench into it). Now I find out they been bought out, so it's time to bail to a local credit union. Oh, the app has been glitchy lately as well.
17 people found this review helpful
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One Finance, Inc.
May 27, 2022
Hi Todd - thank you for the feedback; which we've shared with the team. If we can be of any assistance or answer any questions, please reach out to our customer service team at
Vattana Thach
June 22, 2022
It's been my favorite bank the past year and the ONE bank I can confidently recommend to everyone. The pockets feature, the ability to link almost any bank, sending out checks on your behalf for free, mobile deposit, 3% APY auto-save pocket, pocket sharing, auto transfers, free $200 over draft protection. All of that while keeping the interface super clean and user friendly. The customer service has also been helpful and solid. I hope you all continue to do great work & enjoy your work. TY!
1 person found this review helpful
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Tanner Britt
June 19, 2022
It is good, but still not to the same standard that Simple was. I still prefer retroactively and/or automatically assigning purchases to a goal rather than needing to assign my card to pockets or using a digital card/different account number before making a purchase. As a bank One has done a good job, the only issue I've ever had is my card declining purchases for certain payment processors online.
4 people found this review helpful
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What's new

- Bug fixes and other improvements