OnePay – Mobile Banking 4.47.0

Pay, bank & build credit.

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One is a financial technology company, not a bank. Banking Services provided by Coastal Community Bank, Member FDIC. The One Finance Mastercard® is issued by Coastal Community Bank pursuant to licensing by Mastercard® International Incorporated.

*As of 2/3/25. Cash back deal availability varies by customer. Cash back can be redeemed into a One Cash Account only. Cash Back Deal Program is subject to change at any time, without notice, in One's sole discretion. See terms at one.app/one-pay-terms.

†As of 2/3/25 Cash back can be earned through the Debit Rewards Program, which is subject to change at any time, without notice, in One's sole discretion. Individual offer details can be found in the One app. See terms at one.app/rewards-terms.

‡As of 2/3/25, but subject to change at any time, without notice, in One's sole discretion. To be eligible for 3% cash back, at the time of purchase, customers must (i) have received $500+ of Direct Deposits in the previous month, or (ii) have a total One Cash balance of $5,000+. This offer applies to purchases at U.S. Walmart locations and on Walmart.com only and may not be combined with other One Cash offers for cash back at Walmart. See terms at one.app/rewards-terms

Δ3.75% annual percentage yield (APY) applies to the Savings balance of One Cash customers who either (i) received $500 or more of Direct Deposits in the previous month or (ii) have a total daily account balance of $5,000 or more. 3.75% APY is also earned on Pay Autosave and ONE@Work Save balances without these deposit or balance requirements. In all instances, 3.75% 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 12/20/2024, 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.

±As of 2/3/25, but subject to change at any time, without notice, in One's sole discretion. Only available to consumers who initiate their account application through certain channels from 8/8/24-3/17/25. See one.app/10percent for details.

Tax refunds may be available up to 5 days in advance of the scheduled payment day, but access to funds depends on when the payer sends refund data.

© Copyright 2025 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.

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