One — Mobile Banking

One is a financial technology company that offers banking services through Coastal Community Bank. One Cash accounts are FDIC insured up to $250,000 per depositor. The One card is issued by Coastal Community Bank and is licensed by Mastercard® International.

Customers can sign up for the first deal and claim cash with a One Cash Account. However, deals do expire and customers should refer to the terms and conditions at one.app/one-pay-terms.

Cash back can be earned through the Debit Rewards Program, with individual offer details available in the One app. Customers should also refer to the terms and conditions at one.app/rewards-terms.

To receive 3% cash back, eligible customers must have received $500 or more of eligible direct deposits in the previous month or have a total account balance of $5,000 or more. This cash back is limited to $50 per year and applies only to purchases made at U.S. Walmart locations and on Walmart.com. This promotion cannot be combined with other One promotions for cash back at Walmart. Customers should refer to the terms and conditions at one.app/rewards-terms.

The Savings balance of One Cash customers can earn a 4.35% annual percentage yield (APY) if they received $500 or more of eligible direct deposits in the previous month or have a total daily account balance of $5,000 or more. This APY also applies to Pay Autosave and ONE@Work Save balances without these deposit or balance requirements. However, the 4.35% APY is limited to a total Savings balance of up to $250,000. All other Savings balances will earn a 1.00% APY. These APYs are accurate as of 10/10/2024 but are subject to change at any time. Customers should refer to the terms and conditions at one.app/rewards-terms.

One offers overdraft protection for customers who are 18 or older and have eligible direct deposits totaling at least $500 in the previous month. However, the overdraft balance is due immediately and transactions eligible for overdraft protection are determined by One.

Direct deposit may be available up to 2 days in advance, depending on when the employer sends paycheck data. However, this is not guaranteed for all customers.

The Credit Builder Program is available for customers who bank through One and have eligible direct deposits totaling at least $500 in the previous month. However, using this program does not guarantee an improvement in credit score and failure to make monthly minimum payments on time may negatively impact credit score. All Credit Builder Programs are subject to approval by OneProgress Services LLC, NMLS ID 2460509. Customers should refer to the Licenses page on one.app for state disclosures. One is not a credit repair service and does not remove negative credit history from a customer's credit profile.

The credit score provided by One is the VantageScore® 4.0 by TransUnion® and may not be the credit score model used by a customer's lender. Lenders use a variety of different types of credit scores to make lending decisions.

Global transfers may not be available to all One customers.

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. Customers can refer to the terms and conditions at www.one.app/terms for more information on One's products.

One Finance, Inc. is the copyright holder for all content and materials on the One app. Customers can contact One at P.O. BOX 513717, Los Angeles, CA 90051.