USAA customers have fees or minimums where One customers do not pay any fees and do not have account minimums. USAA customers can only earn .01% – .35% APY on their USAA 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. USAA customers do not have the option to enroll in credit building where One customers can enroll in Credit Builder. USAA customers are limited to sharing an account with one person where One customers can share up to 99 Pockets.