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Text Content

One uses trackers (including cookies) to operate our website, to personalize
your experience, run analytics, and for advertising purposes, including
interest-based advertisements. You can learn more about our processing of your
personal information by visiting our Privacy Policy. You can

manage your preferences at any time.

Allow allDeny all
✕

Send your tax refund directly to One and get it up to 5 days early, plus a
chance to double your federal refund! Click to learn more.

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Sign In

Join One





JOIN THE MILLIONS OF CUSTOMERS
BANKING THROUGH ONE.


DEBIT REWARDS




CAREERS




HELP CENTER




LEGAL




EARN 3% CASH BACK IN STORE & ONLINE

at Walmart up to $50 a year, with eligible deposits.


LEARN MORE

One is a financial technology company, not a bank.Banking services provided by
Coastal Community Bank, Member FDIC.

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JOIN THE MILLIONS OF CUSTOMERS BANKING THROUGH ONE

Download the app
Phone Number

Enter your number to download the app and get started.
Messaging rates may apply.

One is a financial technology company, not a bank.Banking services provided by
Coastal Community Bank, Member FDIC.



One is a financial technology company, not a bank.Banking services provided by
Coastal Community Bank, Member FDIC.

Download the app

Download app and get started


Mobile BankingCredit Builder


MOBILE BANKING

Banking for the better

Debit Rewards, early pay,1 high-yield Savings, and no monthly fees.

Join One


 * Earn up to 5% cash back2
   
   On select brands.

 * 5.00% APY on Savings3
   
   With eligible deposits.

 * Get paid up to 2 days early1
   
   With direct deposit.

 * No monthly fees
   
   Or minimum balances.


CREDIT BUILDER

Coming this year

Build credit the simple way

Every on-time payment builds your credit history.



 * Low monthly payments

 * No credit check to apply

 * No score required

 * Easily track your progress




NO BETTER WAY TO SHOP AT WALMART


MOBILE BANKING

3% cash back at Walmart4

Up to $50 every year, with eligible deposits.





MOBILE BANKING


3% CASH BACK AT WALMART4

3% cash back at Walmart, up to $50 every year, with eligible deposits. See terms
for eligibility.4




MOBILE BANKING

Add or take out cash at Walmart






MOBILE BANKING


ADD OR TAKE OUT CASH AT WALMART

Available at any Walmart with your One debit card or app.6




WHY WE'RE THE ONE CUSTOMERS LOVE

 * Excellent banking system
   
   “Radically changed the way I bank and how I save money. I highly recommend
   One and their platform.”
   
   APP STORE® REVIEW

 * Love!
   
   “After just a few months of having my One account, I got rid of my bank. A
   bank account that I have had since I was 16 yrs old. One is so much better.
   It is way more simple. Just an all around better choice.”
   
   Read more
   
   APP STORE® REVIEW

 * Great customer service
   
   “They went above and beyond to quickly make sure my issue was heard, AND
   taken care of! Also, very polite and helpful customer service agents, who
   were very understanding and patient with me!”
   
   Read more
   
   APP STORE® REVIEW

 * Meets my needs/expectations
   
   “Low effort/low stress banking app which nets you a very decent amount of
   interest.”
   
   APP STORE® REVIEW

 * Best banking experience ever
   
   “When I heard of One I thought I’d give them a try. They did not disappoint!
   The best experience I’ve had in banking ever!”
   
   APP STORE® REVIEW

 * Best app ever
   
   “Easy to use! Love the design and rewards.”
   
   APP STORE® REVIEW

 * Obsessed
   
   “I've been looking for an online banking situation for several years that
   would fit my needs and allow me to divest from the classic big banks. One has
   met and EXCEEDED expectations ten fold…I find myself constantly surprised and
   excited by every new feature that is released. I've adopted and used every
   one. Thanks for knocking it out of the park, One. Customer for life.”
   
   Read more
   
   APP STORE® REVIEW

 * Simple to use
   
   “I absolutely love one because it is very simple, very intuitive and very
   clear.”
   
   APP STORE® REVIEW

 * Great experience!
   
   “It was so easy to open an account with One Finance! I appreciate they have
   more ways to move money than with [other competitors]. Looking forward to
   banking with them.”
   
   Read more
   
   APP STORE® REVIEW

 * Good as Debit
   
   “I love this card. Gave me a virtual card that works for all apps and stores
   before my original card came. I get all my direct deposits early and they
   have overdraft protection.”
   
   Read more
   
   APP STORE® REVIEW




SEE HOW ONE STACKS UP

When it comes to Spending and Saving, we're the One raising the bar.


OneChime*Chase*Bank of America*Monthly Fees$0$0$12$12Overdraft
Fees$0$0$34$10Early Pay*3% Cash Back at WalmartAPY*

5.00%2.00%0.01%0.01%



Comparison as of 01/16/2024


THERE'S MORE TO LOVE ABOUT ONE

Mobile Banking

Save smarter with Goals

Create up to 3 Goals to help you save.

Mobile Banking

Send money to anyone — easily

A quick and free way to move money.6


JOIN ONE TODAY

Debit Rewards, early pay,1 high-yield Savings.

Download the app
Phone Number

Enter your number to download the app and get started.
Messaging rates may apply.


JOIN THE MILLIONS OF CUSTOMERS BANKING THROUGH ONE.

Download app and get started

FacebookInstagramXLinkedIn


EXPLORE

 * Debit Rewards
 * Careers


HELP CENTER

 * Getting started
 * Adding money to your account
 * Account and profile
 * Rewards and bonuses
 * Spending
 * Saving with One
 * Making payments and transfers
 * Privacy and security
 * General information


LEGAL

 * Terms of service
 * Your privacy choices
 * Privacy policies
 * E-Sign agreement
 * Deposit account agreement
 * Account rates and fees
 * Promotions terms and conditions
 * Consumer report and SSA authorization
 * Cookie policy
 * Licenses


CONTACT US

Customer Service

(855) 830-6200

9AM - 9PM ET

7 days a week

Chat available in app 24/7

Press inquiries

press@one.app
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One is a financial technology company, not a bank. Loans through OneProgress
Services LLC and banking services through One are provided by Coastal Community
Bank, Member FDIC. 
Approved deposit accounts are FDIC insured up to $250,000
per depositor. One card is issued by Coastal Community Bank pursuant to
licensing by Mastercard® International.

 1. Direct deposit may be available up to 2 days in advance, but depends on when
    your employer sends paycheck data.

 2. Cash back can be earned through the Debit Rewards Program. Individual offer
    details can be found in the One app. Terms apply

 3. 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 2/7/2024, but may change at any time before or after account
    opening. Fees may reduce earnings on this account.

 4. To receive 3% cash back, eligible customers (at the time their purchase
    settles) must (i) have received $500 or more of eligible direct deposits in
    the previous month, or (ii) 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.

 5. Use your One card at any Walmart Money Center, cashier, or Customer Service
    desk to deposit or make a cash withdrawal for free.

 6. Money sent through One to One can only be transferred to a One account. If
    the recipient does not open an account within 10 days, money will be
    returned to the sender.

Use of the Credit Builder 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. One is
not a credit repair service and does not remove negative credit history from
your credit profile.

For Vermont loan applicants: THIS IS A LOAN SOLICITATION ONLY. ONE FINANCE
SERVICES LLC MAY NOT BE THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH
COASTAL COMMUNITY BANK IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT
BE SUBJECT TO ALL VERMONT OR OTHER STATE LENDING LAWS. THE LENDER MAY BE SUBJECT
TO FEDERAL LENDING LAWS.

One Finance Inc., Nationwide Multistate Licensing System ("NMLS") ID 2273210
OneProgress Services LLC., Nationwide Multistate Licensing System ("NMLS") ID
2460509

App Store® is a registered trademark of Apple Inc.

© 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 not imply any ownership, affiliation or endorsement.