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How does One compare to Brick and Mortar Banks?

Brick and Mortar Banks vs One Comparison Summary

Make the switch from Brick and Mortar Banks to One

Start earning more today!

Banking, budgeting, and saving.
‍All in ONE.

Opening an account does not impact your credit score.

Your One account is FDIC-insured through our bank partner, Coastal Community Bank, Member FDIC.

Banking services provided by Coastal Community Bank, Member FDIC.

Annual percentage yield is effective as of 2/3/23 and is subject to change after the account is opened. 1.00% APY on savings balances up to $5,000, or $25,000 with eligible direct deposits totaling at least $500 in the previous 31 days.
With eligible direct deposits totaling at least $500 in the previous 31 days. Must be 18 or older to receive overdraft protection. Overdraft balance is due right away. Transactions eligible for overdraft protection are determined by ONE. See details.
Allpoint Network ATM transactions are fee-free for accounts with eligible direct deposits totaling at least $500 in the previous 31 days, otherwise a $3 fee will apply. Transactions at ATMs outside of the Allpoint Network are subject to fees.
Direct deposit may be available up to 2 days in advance, but depends on when your employer sends paycheck data.
With eligible direct deposits totaling at least $500 in the previous 31 days, otherwise a $3 fee per transaction applies.

Banking services provided by Coastal Community Bank, Member FDIC. Approved accounts are FDIC insured. ONE is a financial technology company, not a bank. ONE card is issued by Coastal Community Bank pursuant to licensing by Mastercard® International.

© Copyright 2023 ONE Finance, Inc. All other product names, logos, brands, trademarks and registered trademarks are property of their respective owners. All company, product and service names used in this website are for identification purposes only. Use of these names, trademarks and brands does not imply endorsement.

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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 Privacy policies E-sign agreement Deposit account agreement Promotions terms and conditions Consumer report and SSA authorization Cookie policy License Rates and Fees
Contact Us

1 (855) 830-6200
9AM - 9PM ET
7 days a week