One – Mobile Banking 4+

Debit Rewards & Early Pay

One Finance, Inc.

    • Free

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Description

Debit Rewards, early pay, high-yield Savings.

One is a financial technology company, not a bank. Banking services provided by Coastal Community Bank, Member FDIC. Approved accounts are FDIC insured up to $250,000 per depositor. One card is issued by Coastal Community Bank pursuant to licensing by Mastercard® International.

Join the millions of customers banking through One.

Debit Rewards, early pay, high-yield Savings.

EARN UP TO 5% CASH BACK ON SELECT BRANDS†
Cash back can be earned through the One Rewards Program. See the One app for individual offer requirements. Terms apply.

3% CASH BACK AT WALMART‡
With eligible deposits, up to $50 every year.
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. Terms Apply.

SEND MONEY TO ANYONE — EASILY§
Send and receive money in seconds with One to One. Just search, select, and pay anyone.
Money sent through One to One can only be transferred to a One Deposit Account. If the recipient does not have an account, they must open one within 10 days of money being sent or it will be returned to the sender.

EARLY PAYʌ
Get paid up to 2 days early with direct deposit.
Direct deposit may be available up to 2 days in advance, but depends on when your employer sends paycheck data.

5.00% APY ON SAVINGSΔ
With eligible deposits up to $250,000. Plus, receive 1.00% APY on the rest of your Savings balances.
5.00% annual percentage yield (APY) applies to the primary Savings pocket and custom pockets 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. 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 9/28/2023, but may change at any time before or after account opening. Fees may reduce earnings on this account.

© 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. Additional terms may apply. To see full account and promotion terms and conditions, visit www.one.app/terms or call (855) 830-6200.

Address:
P.O. BOX 513717
Los Angeles, CA 90051

What’s New

Version 4.5.0

Bug fixes and performance improvements

Ratings and Reviews

4.8 out of 5
45.6K Ratings

45.6K Ratings

Jimmy A. S. ,

Amazing Alternative to Traditional Bank

I had a checking account with Wells Fargo. They eliminated all overdraft line of credit for all customers - new and current. One finance gave me a generous overdraft line of credit ($800) after about 2 months of consistent paycheck deposit. I received my paycheck a day early and so far I have not paid a single fees to One Finance (Unlike traditional banks such as Wells Fargo that charges you a fee every chance they get). The debit card works perfectly fine (and without any fees) at AllPoints ATMs. The “pocket” feature is super useful. You can easily categorize your money and expenses and keep them separate. The only downside of One finance is the lack of any physical branch. But if you are like me who doesn’t even remember the last time you needed to step into a bank branch, One Finance would be perfect. Also it is worth noting that their support seem to be outsourced but that it outweighed by other benefits you get. As One Finance marketshare grows, they might turn into a more traditional corporation with all the bads that come with it since the ultimate goal of any company is to make money. But until then, I’ll stick to One Finance for now. I transferred my savings to One Finance from Wells Fargo and the interests at so much better here. I will never go back to any big 4 bank again.

Rebecca Ruano ,

Pockets are neat

I’ve had this account for a few weeks. I’ve only used it for a few purchases. It takes 5 business days for transfers from other banks to show up. The auto-save feature that rounds up your change from your purchases happens the day after you make the purchase, not automatically when you make the purchase. Every single time I open the app, I have to enter my full email address in addition to my password. I like on Chime app where I just enter my pin to open the app. Entering this app takes a few steps, first I have to tell them I don’t want to enable Face ID log-in, every single time. Then tap “log in”. Then wait for the website to load to enter my full email address and password. There is no remembering my email or my preference to not use Face ID. This is a little annoying especially because I’m accessing the app frequently to see if my transfers have finalized. I did like that I was able to add a digital card to my virtual wallet as soon as I opened the acct. The physical card took 3 weeks to come in the mail.

Update: April 2022. Thank you for making logging in more simple! I love this app and service!

MamaCaraway ,

Takes 4-5 months for customer service to do anything

Sent them all the proof for an issue that happened where I paid for jewelry using their card, they said they were “investigating” when I had literally sent them all the proof I had never received the jewelry or anything but was charged. I contacted the jewelry company after they took over a week and showed them the issue that was happening and worked it out when I got no reply back from “ONE” other then “we are investigating”, they sent me back my refund right away. What took the “ONE” card 4 months took every other company 1 week. Every time I contact customer support it takes them 4-5 months to solve one small issue where I provided all the proof and there was an obvious error, they either tell me to figure it out myself or to get someone else to figure it out or they say “your issue got solved” cause I had fixed it after they didn’t reply to help me at all. I’m glad I deleted your app. I had one issue with a hotel where I got charged 2 times, and I had even sent proof of that, they took 4-5 months again to send me my refund with the same “we are investigating” when again I had showed them my booking, my one night stay and that I was charged for 2 rooms, that issue almost turned into a court case over this crappy customer service not being able to solve a simple problem of looking at the proof and seeing the error. I strongly suggest not using this card, they don’t care about their customers.

App Privacy

The developer, One Finance, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Supports

  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

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