Come see all the benefits ONE has to offer. Plus, take a shot at winning a prize for you and your store.

ONE is a financial app that helps you spend, save, and grow your money — all in one place. ONE investors include Walmart and Ribbit Capital.

Approved ONE accounts are not charged a monthly fee. In addition, ONE does not charge any sign up fees, overdraft fees, minimum balance fees, or transfer fees.

There are many benefits when you set up direct deposit with ONE:

• Get paid up to 2 days early¹
• Up to $200 overdraft protection²
• No ATM fees at 55,000+ Allpoint ATMs³

1. ¹ Direct deposit may be available up to 2 days in advance, but depends on when your employer sends paycheck data.
3. ² 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 terms for details.
4. ³ With eligible direct deposits totaling at least $500 in the previous 31 days, otherwise a $3 fee per transaction applies.

There are 5 ways to easily access cash from your ONE account:

1. At any Walmart with your ONE card, fee-free
   • Go to any Walmart Money Center, cashier, or Customer Service desk with your ONE debit card
   • Tell the associate that you’d like to withdraw cash with your ONE debit card
   • Swipe your ONE debit card and enter your PIN
   • Enter the amount of cash you would like back (up to $1000)
   • Receive your cash
2. At any Walmart with your ONE app, fee-free with eligible direct deposits*
   • Navigate to the pocket you would like to withdraw funds from
   • Tap Move Money, then Withdraw Cash
   • Enter the amount you wish to withdraw
   • A barcode will be generated that you will take to a Walmart MoneyCenter or Customer Service associate
   • The associate will scan your barcode and verify your identity using your government-issued ID
   • Once approved, you will receive your cash and a receipt
3. Cash back when you make purchases at participating merchants, fees may apply
   • Insert your ONE debit card at the register and enter your PIN
   • Enter amount of cash you would like back
   • Receive your cash
   • Enter your PIN
   • See a confirmation in the ONE app
   • ONE does not charge a fee for this, but the participating merchants may
4. At Allpoint ATMs, fee-free with eligible direct deposits*
   • Find an Allpoint ATM near you
   • Insert your ONE debit card and enter your PIN
   • Enter the amount you want to withdraw
   • Receive your cash
5. At other ATMs, fees may apply^
   • Insert your ONE debit card and enter your PIN
   • Enter the amount you want to withdraw
   • Receive your cash

1. * No fees for direct deposit customers receiving eligible direct deposits totaling at least $500 in the previous 31 days, otherwise a $3 fee per transaction applies.
2. ^ All customers may be charged a convenience fee by the ATM operator if the ATM is outside of the All Point network.

Yes, the ONE app is available on both iOS and Android.

You can sign up for ONE directly through the Me@Walmart app.

1. Tap on the Profile tab
2. Tap on “Direct Deposit”
3. Tap on “Activate your ONE account”
4. From there, you can create a ONE account and set it as your direct deposit account

No, opening a ONE account does not impact your credit score.

You must have a U.S. based physical residential address, have a mobile phone number, and be issued a Social Security number or Individual Taxpayer Identification Number ITIN to apply for an account with ONE.

Associates must be at least 16 years old.

You can set up direct deposit or transfer money from an existing account, which may take up to 4 business days.

No, a ONE account is not required in order to get your paycheck from Walmart. You have the option of setting up direct deposit, and you can choose to do so for any bank account.

Go to the “Profile” tab in the Me@Walmart app and then tap on “Direct Deposit.” From there, you’ll be able to add ONE as your direct deposit account.

Walmart associates are eligible to receive direct deposit up to 2 days before payday with a ONE account.* Learn more about getting paid early.

Contact ONE Customer Service at (855) 830-5180 if you have questions about your direct deposit, including receiving it early.

* Direct deposit may be available up to 2 days in advance, but depends on when Walmart sends paycheck data.

Turn on Pay Autosave within your ONE app and select a dollar amount (or percentage) that you want to save from every paycheck. Going forward, the amount that you chose to save will automatically go to your Pay Autosave pocket. You earn 3.00% APY* on those savings, up to $5,000.

* 3.00% annual percentage yield (APY) applies only to Pay Autosave balances up to $5,000. Pay Autosave balances over $5,000 and all other Save balances will earn 1.00% APY. APYs as of 3/23/23 but may change at any time before or after account is opened.

You can receive your paycheck up to 2 days early but it depends on when ONE receives paycheck data from your employer. Walmart associates are typically paid early through their ONE accounts.

ONE offers overdraft protection up to $200 to customers with at least $500 in eligible direct deposits within the previous 31 days. The $500 can be from multiple employers, it does not have to be from one employer. Overdraft protection helps cover your purchases and kicks in when a transaction takes you below a $0.00 balance in Spend.

There are no fees or interest charged to use overdraft protection but any spent overdraft protection is due right away and will automatically be paid back the next time money is deposited into Spend. You can also repay the amount by transferring money to Spend.

Visit ONE’s Help Center to learn more about Overdraft Protection.

You will earn 3% cash back on qualifying purchases made with your ONE card at Walmart (in-store and online). You can receive up to $50 in cash back every 12 months.*

*To qualify you must have $500 or more of eligible direct deposits for 3 consecutive months within 12 months of account opening (or, if you opened a ONE account prior to April 4, 2023, any time April 4, 2024). Once qualified, to keep earning 3% cash back you must receive $500 or more of eligible direct deposits over the 31 days prior to the purchase. 3% cash back applies to Walmart purchases, up to $50 per year. This promotion may not be combined with other ONE promotions that offer cash back on purchases at Walmart. Terms apply.

Make qualifying purchases with your ONE card from a rotating selection of participating merchants, and earn cash back on qualifying purchases, which will automatically be deposited to your Savings once your transaction is completed.* See current offers in your ONE app.

*Cash back can be earned through the Cash Rewards Program. Terms apply.

If you have any additional questions or need further assistance, please reach out to ONE by visiting their Help Center or contacting ONE Customer Service at (855) 830-5180.

If a Walmart customer asks about ONE, please direct them to one.app or ONE’s Help Center.

No, ONE does not provide Walmart with access to your personal account details or transactions.

You can update some of your personal information through the ONE app or website. Visit ONE's Help Center to learn more about how to update your profile information. You can also contact ONE Customer Service at (855) 830-5180 if you need further support.

Please contact ONE Customer Service at (855) 830-5180 for help with any issues accessing your ONE account. They'll also be able to discuss details of your account balance and transactions with you.

Wherever you work, whatever you do, you deserve to feel in control of your money. Your ONE account is your personal account to save, spend and grow your money regardless of where you work, and is not tied to your employment with Walmart. You can continue using your ONE account just as you would with any other bank account.

If you had direct deposit set up with your ONE account, you'll need to update your direct deposit details in the Me@Walmart app as soon as possible to continue receiving your paycheck. Visit ONE's Help Center for more information on closing your account.