Easily spend, save, borrow, and share from a single account—for free! Download the app and create an account to earn high-interest savings, get debit rewards, unlock low-interest credit, and better organize your money with Pockets. No fees, no minimums. Opening an account does not impact your credit score.

Awarded “Best Checking Account with Overdraft Fee Avoidance” and “Top Overall Institutions of 2021” by NerdWallet with a 4.5 out of 5 star review.

GROW SAVINGS FASTER
• Earn 1.00% APY* interest on balances up to $5,000 in your Save Pocket
• Save while you spend with unlimited card round ups that earn 3.00% APY*
• Automatically save up to 10% of your monthly paycheck direct deposit at 3.00% APY*

GET MORE FROM YOUR PAYCHECK
• Get paid up to 2 days early
• Earn 3.00% APY* on up to 10% of your monthly paycheck
• Get low-interest credit when you need at a better rate than most credit cards, as low as 1.0% monthly, 12% APR⁑
• Earn 1.00% APY* on balances up to $25,000 in your Save Pocket
• Increased overdraft protection

GET MORE FROM YOUR DAILY MONEY
• Fee free overdraft protection
• Create and share unlimited Pockets to organize your money
• Earn points on every purchase towards debit card rewards
• Mobile check deposit
• 55,000 fee-free Allpoint ATMs
• Automated budgeting tools
• No fees. No minimums.

SECURITY
• Create virtual cards to mask your physical card number, so if a site is fraudulent or breached, your physical card number isn’t exposed
• Lock your card from the app if it goes lost or stolen
• Instant transaction alerts anytime the One card is used
• Use biometric identification to open the One app, such as Face ID and fingerprint authentication
• FDIC-insured** up to $250,000 per depositor
• Powerful data encryption

SHARING
Manage money together and share a Pocket with friends and family
Pay anyone with free ACH bank transfers

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

*Annual Percentage Yield effective as of 9/1/2020 and subject to change. 3.00% APY available on all Auto-Save balances. Maximum contributions of up to $1,000 per month for paycheck Auto-Save and no maximum contribution for card Auto-Save. 1.00% APY available on Save balances up to $5,000, up to $25,000 with a qualifying paycheck direct deposit.
Early Paycheck may post up to 2 days earlier than the scheduled payment date. Early direct deposit of a paycheck depends on factors such as timing of the payer’s deposit transmission, and the type of payer transmitting the deposit. Learn more about what qualifies as a paycheck direct deposit at onefinance.com/direct-deposit.
⁑ Subject to credit approval. Offer valid for One account holders issued One cards. We’ll inform you of your credit limit after you set up recurring qualifying direct deposits. Your credit limit may be determined by multiple factors including your credit score, income, and ability to repay. APR ranges from 12% to 18%. Additional limitations, terms and conditions apply.
† Credit Builder functions as a secured charge card that is designed to help you build your credit. Must have a One account to use Credit Builder. No credit history required. A variety of factors impact your credit including payment history, utilization, derogatory marks, account age, total number of accounts, and inquiries. Building your credit may take time and is a process, but Credit Builder may be able to help. Credit reporting may be limited to select credit bureaus during One’s Credit Builder beta phase.
°One and its partner Coastal Community Bank does not make any investments in the fossil fuel industry.
The One card is issued by Coastal Community Bank, Member FDIC, pursuant to license by Mastercard International.
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