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.

±Only available to consumers who open an account through Walmart.com, the Walmart app, one.app, or the One app from 6/10/24 - 8/31/24. See terms at one.app/10percent.

*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

App went through a lot of bugs, the app actually works now and actually remembers me, but I still cannot give it more than 2 stars for an issue with the notifications. The app sends at least 2-4 random promotional notifications a day, and unlike every other banking app, I can't turn off promotional notifications while leaving important account alerts on, I can only turn all notifications on or off at once, which is just below the modern standard of app design.

The new update has ruined this app for me when it comes to savings. It used to show savings and debit separately, but now it shows them combined. I've gone to make purchases I couldn't actually afford because I saw the amount of money and, since it was combined, assumed that's what I had to spend. What's the point of a savings account if it's combined with the regular account? I'll be taking my money out to save it up instead

THANK YOU for fixing the issue with the accounts sorting from the transfers menu, now I can use my app normally again! It's taken a while to get used to this new app, but overall I think it's very aesthetically pleasing, but some of the navigation choices you guys went with are really not intuitive. Once you get that muscle memory though it's all good. App aside I love this bank! 5% APY on my savings is amazing and the deals with Walmart are smart! Keep on keeping on y'all!