Ando customers have fees or minimums where One customers do not pay any fees and do not have account minimums. Ando customers do not have the option to get paid early with direct deposit where One customers with qualifying direct deposits can get paid up to two days early.** Ando customers can only earn .16% APY on their Ando savings and are not able to automatically save where One customers can earn 1.00% APY* in their Save Pocket and 3.00% APY* in their Auto-Save Pocket. Ando customers do not have the option to enroll in overdraft protection where One customers can enroll in fee-free overdraft protection. Ando customers do not have the option to enroll in credit building where One customers can enroll in Credit Builder. Ando customers do not have mobile check deposits where qualifying One customers can access mobile check deposits. Ando customers are not able to share an account with anyone where One customers can share up to 99 Pockets.