One — Mobile Banking

Editor's Review

One is a comprehensive financial technology platform designed to help you pay, bank, and build credit all in one convenient app! 🏦💳💰 It’s not just a banking app; it's a complete financial solution. Banking services are provided by Coastal Community Bank, Member FDIC, ensuring that your approved One Cash accounts are FDIC insured up to $250,000 per depositor. With the One card, issued by Coastal Community Bank under license by Mastercard® International, you can manage your finances with confidence and ease.

Key Features:

• One Cash Account: Sign up for exclusive deals and claim cash rewards. Keep an eye on the terms at one.app/one-pay-terms to make the most of these offers! 🎁
• Debit Rewards Program: Earn cash back on your purchases! Check the One app for individual offer details and see the terms at one.app/rewards-terms. 🎉
• High APY Savings: Eligible customers can earn a 4.35% annual percentage yield (APY) on their savings balance. This applies to customers who receive $500 or more in eligible direct deposits in the previous month or maintain a total account balance of $5,000 or more. The same APY is also earned on Pay Autosave and ONE@Work Save balances without these requirements, up to a total Savings balance of $250,000. Check the latest APY details at one.app/rewards-terms. 🏦
• Early Direct Deposit: Access your direct deposit up to 2 days in advance! The availability depends on when your employer sends paycheck data. 🚀
• Credit Builder Program: Build your credit with a 12-month loan featuring $25 monthly payments and a 0% APR. You can contribute any amount towards your monthly payment, with a minimum of $1. Available when you bank through One and have eligible direct deposits totaling at least $500 in the previous month. Learn more on the Licenses page at one.app. 📈

Important Considerations:

• Earning 3% cash back requires either $500 or more of eligible direct deposits in the previous month or a total account balance of $5,000 or more. This is limited to $50 per year and applies only to purchases at U.S. Walmart locations and on Walmart.com.
• Overdraft protection is available for customers 18 or older with eligible direct deposits totaling at least $500 in the previous month.
• Keep in mind that using the Credit Builder Program does not guarantee credit score improvement, as it depends on your specific circumstances and financial behavior.

One is committed to providing a comprehensive and user-friendly financial experience. Get started today and take control of your financial future! 🌟

Features

• Pay with ease using One Cash Account

• Bank with FDIC-insured services

• Build credit through the Credit Builder Program

• Earn cash back with Debit Rewards Program

• Access high APY on savings balances

• Receive direct deposits up to 2 days early

• Overdraft protection for eligible transactions

• Global transfers may not be available to all One customers

• The credit score provided by One is your VantageScore

Pros

• Earn cash back through the Debit Rewards Program

• Build credit with the Credit Builder Program

• Access direct deposits up to 2 days in advance

• High APY on savings balances for eligible customers

Cons

• 3% cash back limited to $50 per year at Walmart

• High APY limited to savings balances up to $250,000

• Overdraft protection requires eligible direct deposits