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Hi! Welcome to ONE

Join ONE and enjoy no monthly fees or minimums.

Download and join ONE
Sign up in minutes. ITIN or SSN required.
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Download
and join ONE
Sign up in minutes. ITIN or SSN required.
Banking services provided by Coastal Community Bank, Member FDIC. Funds not FDIC insured until account is approved.
Mobile phone displaying the one app
ONE debit card

ONE is a financial technology company, not a bank. Banking services provided by Coastal Community Bank, Member FDIC.

Save, spend and grow your money — all in one place.
Below are just a few of the benefits we have to help you get ahead:

  • Add or take out cash for free at Walmart with your ONE debit card1
  • Up to $200 in free
    overdraft protection2
  • 55k fee-free ATMs nationwide3
  • Get paid up to 2 days early4
  • Earn 1.00% APY on your savings5
  • Free cardless cash out at Walmart locations6

Have a
question?

We’ve got answers. Check out our Help Center to learn more.

  • What is ONE?

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    ONE is an app that helps you save, spend, and grow your money—all in one place.

    ONE accounts (which include Spend and Savings and custom pockets) are demand deposit accounts, commonly referred to as a checking account.

    Learn More

  • Is it free to sign up?

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    Yes! You’ll also enjoy no monthly fees.

    Learn More

  • Does this impact my credit score?

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    Applying for a ONE account does not impact your credit score. ONE runs a soft credit inquiry when you apply, which does not impact your credit score.

    Learn More

  • What information do you ask for?

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    When you apply, you will need to provide your full legal name, U.S. physical address, date of birth, Social Security number or ITIN, mobile phone number, email address, and possibly a copy of your government-issued photo identification or a utility bill.

    Learn More

  • Is my money secure with ONE?

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    At ONE, your account security is paramount. ONE is FDIC-insured through our bank partner, Coastal Community Bank, Member FDIC. We implement the following to keep your ONE account secure:

    1. Encryption
    2. Alerts & Notifications
    3. App-based Card Controls
    Learn More

  • What languages does ONE support?

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    Currently, our app and customer support services are only available in English.

  • Use your ONE debit card at any cashier, MoneyCenter, or Customer Service desk to make your transaction.
  • 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.
  • 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, otherwise a $3 fee per transaction applies.

Banking services provided by Coastal Community Bank, Member FDIC. Approved accounts are FDIC insured up to $250,000 per depositor. 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.