One — Mobile Banking

Editor's Review

One is your all-in-one financial solution, designed to help you pay, bank, and build credit seamlessly. 🏦💳💰 It’s a financial technology company that provides banking services through Coastal Community Bank, Member FDIC. This ensures that your approved One Cash accounts are FDIC insured up to $250,000 per depositor, giving you peace of mind.🛡️

With One, you can manage your finances effectively and take advantage of various features tailored to improve your financial health. One card is issued by Coastal Community Bank pursuant to licensing by Mastercard® International.💳

One of the standout features is the Debit Rewards Program, where you can earn cash back on your purchases. Individual offer details can be found in the One app.† Be sure to check the terms at one.app/rewards-terms.🎁

For those looking to build credit, One offers a Credit Builder Program. This program allows you to build credit while banking through One, provided you have eligible direct deposits totaling at least $500 in the previous month.+ Keep in mind that credit score improvement depends on your specific circumstances and financial behavior. OneProgress Services LLC, NMLS ID 2460509. See Licenses page on one.app for state disclosures. One is not a credit repair service. 🛠️

Eligible customers can also enjoy 3% cash back on purchases at U.S. Walmart locations and on Walmart.com, up to $50 per year.‡ To qualify, you need to have received $500 or more in eligible direct deposits in the previous month or maintain a total account balance of $5,000 or more.💰

One also provides overdraft protection with eligible direct deposits totaling at least $500 in the previous month.** This feature requires you to be 18 or older, and the overdraft balance is due right away.💸

Direct deposits may be available up to 2 days in advance, depending on when your employer sends paycheck data.ʌ

Stay informed about your credit score with the VantageScore® 4.0 by TransUnion® provided by One.◊ Keep in mind that lenders use various credit score models for lending decisions.📊

Global transfers are also available to some One customers.∞

Download One today to simplify your financial life and take control of your financial future!📱

Features

• Pay bills and manage finances

• Bank with FDIC-insured accounts

• Build credit with the Credit Builder Program

• Earn cash back on debit card purchases

• Access early direct deposits

• Use overdraft protection with qualifying deposits

• Make global transfers (availability may vary)

• Track and improve credit score

Pros

• Build credit while managing finances effectively

• Earn cash back on purchases at select locations

• Access overdraft protection with eligible direct deposits

• Potentially receive direct deposits up to 2 days early

Cons

• 3% cash back limited to $50 per year at Walmart

• Credit score improvement is not guaranteed