Earn 3.00% APY* in Auto-Save with paycheck direct deposit and card purchase round ups.

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WELCOME TO ONE

Start banking for real life, today.

We’re connecting you to your money. One’s real life banking allows you to easily spend, save, and share with a single account.

Join For Free
Your One account is FDIC-insured through our bank partner, Coastal Community Bank, Member FDIC.
Opening an account does not impact your credit score.
NO FEES, NO MINIMUMS

Pockets hold your money

Create free and unlimited Pockets around your life. Quickly organize your money to save, spend, and share with anyone for any reason. Share Pockets with your people with zero paperwork.

Spend
  • Round up purchases to the Auto-Save Pocket and earn 3.00% APY*.
  • An approved Credit Line helps cover your account in case you dip below zero.
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Save
1.00% APY*

Earn an industry-leading 1.00% APY* on Save Pocket balances up to $5,000 and up to $25,000 with a qualifying paycheck direct deposit.

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Auto-Save
3.00% APY*
  • Paycheck Auto-Save: Add your paycheck direct deposit and contribute up to 10% of each paycheck. Up to $1,000/month.
  • Card Auto-Save: Round up every One card purchase to the next dollar and deposit the difference.
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Share
FREE + UNLIMITED

Create Pockets for rent, staycation…your Pocket possibilities are endless. Easily link your One card to any shared Pocket in the One app.

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*Annual Percentage Yield effective as of 9/1/2020 and subject to change. 1.00% APY available on Save balances up to $5,000, up to $25,000 with a qualifying paycheck direct deposit.
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CARD AUTO-SAVE

Pocket the Change

Earn 3.00% APY* with card Auto-Save! Round up your One card purchases to the next dollar to automatically save. Earn an additional 1.00% APY* on your Save Pocket balances, too.

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Paycheck auto-save

Give your paycheck a raise

Auto-Save up to 10% of your qualifying direct deposit paycheck to earn 3.00% APY*. Up to $1,000/month. That’s in addition to 1.00% APY* for a Save Pocket.

Additional benefits with direct deposit
  • Earn 1.00% APY* on your savings balances up to $25,000.
  • Increase your available Credit Line up to the size of your paycheck deposit (subject to approval).
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for the in-between moments

Instant flexibility with Credit Line

Keep life going with an available Credit Line. Bridge financial gaps and manage your cash flow with no interest when repaid within the month you borrow.

How it works
  • Pay 1.00% per month (12% APR) if you carry a balance into the next month. 
  • Increase your available Credit Line up to the amount of your paycheck when a direct deposit is added.
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Free to Create AND SHARE

Unlimited Pockets. Unlimited possibilities.

Share Pockets with anyone, for any reason. Invite friends and family into One to easily save or spend from joint Pockets.

How it works
  • Your One card can be linked with any Spend Pocket in your account.
  • No paperwork. No hoops. Pockets are free to create and share with your people.
Get Started
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"I switched to One from Chase! I love the app's easy to understand design."
Justin W.
Kansas City, KS
"An incredible concept and opportunity. I have personally become a client of One and have found It so easy to create and share pockets with others."
Tony A.
Carmel, IN
“One’s customer support is fantastic. I had a small issue and they were on top of it and provided me with regular updates. It was clear that I was a priority.”
Louis C.
San Jose, CA
"After being burdened so many times by frustrating banking experiences it's refreshing to be banking with One. They actually listen and cared about me and helped me with my issue in no time flat! Who does that?!"
Thiago P.
Acworth, GA
"The credit line has helped me so much and it was amazing how easy it was to pay it back. Life presents challenges sometimes and the little loan helps a ton."
Shalisha H.
Alabama
ready to join one?

One App.
One Account.
One Card.

  • Add to your Apple Pay or Google Wallet.
  • Access your virtual One card anytime.
  • Connect your card to a Spend or Shared Pocket.
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