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One – Mobile Banking 4+
Pay, bank & build credit.
One Finance, Inc.
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- Free
Screenshots
Description
One is a financial technology company, not a bank. Banking services provided by Coastal Community Bank, Member FDIC. Approved One Cash accounts are FDIC insured up to $250,000 per depositor. One card is issued by Coastal Community Bank pursuant to licensing by Mastercard® International.
*Sign up for first deal. Claim cash with a One Cash Account only. Deals expire. See terms at one.app/one-pay-terms.
†Cash back can be earned through the Debit Rewards Program. Individual offer details can be found in the One app. See terms at one.app/rewards-terms.
‡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. See terms at one.app/rewards-terms.
Δ5.00% annual percentage yield (APY) applies to the total Savings balance 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 without these deposit or balance requirements. 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 4/17/2024, but may change at any time before or after account opening.
**With eligible direct deposits totaling at least $500 in the previous month. Must be 18 or older to receive overdraft protection. Overdraft balance is due right away. Transactions eligible for overdraft protection are determined by One.
ʌDirect deposit may be available up to 2 days in advance, but depends on when your employer sends paycheck data.
+Use of the Credit Builder Program 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. Credit Builder is available when you bank through One and have eligible direct deposits totaling at least $500 in the previous month. All Credit Builder Programs are subject to approval. OneProgress Services LLC, NMLS ID 2460509. See Licenses page on one.app for state disclosures.
One is not a credit repair service and does not remove negative credit history from your credit profile.
Based on a 12 month loan with $25 monthly payments and a 0% APR. You can choose how much you’d like to contribute towards your monthly payment, with a minimum of $1. If you choose an amount less than the full monthly payment, the remainder will be paid from the loan proceeds held in your Credit Builder lockbox.
◊The credit score provided by One is your VantageScore® 4.0 by TransUnion® and may not be the credit score model used by your 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.
© 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.
To see terms and conditions relating to One's products, visit www.one.app/terms..
P.O. BOX 513717
Los Angeles, CA 90051
What’s New
Version 4.27.1
Bug fixes and performance improvements.
Ratings and Reviews
Great banking app!
I opened an account about 3 weeks ago, they had a reward of $25 if deposited money above $20, so I did and they gave me the $25 right after it cleared! They kept their word on that and for everything else I’ve used it for, roundups work just fine and they even have a Zelle equivalent that sends money in minutes! I have had absolutely NO problems with this app and intend on using it for most of my banking needs. Give it a try, you might just love it too! Oh and for all those ppl claiming that they pay or paid for my review, that is completely absurd and just plain stupid, I usually don’t write reviews for anything, but really good games. But when a bank offers me an incentive of $25 to set up an account with as little as $20 to start, and not only do they send the $25 right after my $20 cleared, but let me move it from my savings to my account with no strings attached, offer shopping bonuses of up to $20 cash back for buying things I needed anyway, then I feel compelled to tell as many ppl as I can that something is what they say it is! I’ve already gotten my dad to sign up, my mom is next! I could care less if you believe what I write or not. Sadly that’s another causality of our talk is cheap world, I was brought up a completely foreign way from today, so I call decent companies out you do what you will with what I say!
Developer Response ,
Thanks so much for your review and for being a part of One! 💙
One trick
Nothing takes up unnecessary space more than a program that does one trick. So I was anxious to get same day pay from spark but I wasn’t invited into the one program. So after doing research I read about one program and I instantly created an account so I can be prepared when it’s available in my region. I didn’t have much choice considering there is no landing page options other than login and sign up. There is no faq page, no help center, no contact us, etc. almost instantly after creating my one account I receive a spark invite with instructions saying use the same login credentials as spark and the link in my email. I didn’t use my spark email for my one account and I used my phone number. So when I pressed the link it automatically integrated to an account I never opened. So I try and resolve the issue by asking customer service to delete my account so that I can go through the link and the integration can be effective. Initially customer service did not fully honor my request because when I tried to create a new account my phone number was still occupied. They then narrated the account is inactive but I can still login for statements. So I requested to delete my data in effort to free up my phone number. So it was done and yet I started getting rejected to create a new account. Customer service explained that at this moment they are unable to reinstate closed accounts and create new accounts for customers. How completely useless.
Developer Response ,
We sincerely apologize for the troubles you're experiencing with the app. We'd be happy to take a look into this for you, please contact us at support@one.app. Thank you!
$15 credit is a Lie. Dishonest. Fraudulent. Bait and Switch.
I have WalMart In Home delivery. Every week when I place my order I see the little box that says if you open a ONE pay account you can get $15 back on your first purchase AT Walmart and more cash back as you use it. Well, if I’m ordering weekly, why not get cash back? I download the app and begin trying to look for fine print. What is the app? Does it affect my credit? What security does it have? How do you get the cash back?
NOTHING. There is nothing to describe what it is and how it works and where your cash credit goes and how to access it. Because of my Walmart account, I didn’t have to provide almost any info before it’s saying I have a new account and Congrats!! I just earned $15. I go to place an order and I should have $15 credit, correct? WRONG YOU ARE. I have to open a DEBIT CARD to get this, and wouldn’t you know when I chatted with an associate online it stated I had already applied for one? How? I didn’t consent to open a financial account with them? There was no terms and conditions explained let alone a box to check to state I understood them.
Do better Walmart. Every time I have any online theft of a card number, guess where the fraud charges have come from? Walmart. So why would I want to use your financial app when this is how you interact with people? You make false promises, sell the lie, get their information and they waste time and resources to fix YOUR issue.
Developer Response ,
Thank you so much for leaving a review. Apologies for the issues you are experiencing! Our customers' experience with an app is very important to us. Can you please reach out to us at socialsupport@one.app and include the user name attached to your review so we can assist? Thank you!
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
Information
- Seller
- One Finance, Inc.
- Size
- 123.3 MB
- Category
- Finance
- Compatibility
-
- iPhone
- Requires iOS 14.5 or later.
- iPad
- Requires iPadOS 14.5 or later.
- iPod touch
- Requires iOS 14.5 or later.
- Languages
-
English
- Age Rating
- 4+
- Copyright
- © 2024 One Finance, Inc.
- Price
- Free
Supports
-
Wallet
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