How does One compare?

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Your financial well-being is the goal.

Organize your money, simplify your life.

Get paid early
No fees, no minimums
Build 3.00% APY* savings with every swipe

Your One account is FDIC-insured through our bank partner, Coastal Community Bank, Member FDIC.

Opening an account does not impact your credit score.

Your One account is FDIC-insured through our bank partner, Coastal Community Bank, Member FDIC.

Opening an account does not impact your credit score.
We can help get you there.

Welcome to One

Supporting your life, goals, and people.

Grow your savings faster

Automatically save with every One card purchase. You’ll earn 3.00% APY* in the Auto-Save Pocket.text

Reduce stress by getting paid early

Get your paycheck direct deposit earlier than your co-workers with Early Paycheck.text

Get more from your paycheck

Unlock additional benefits with paycheck direct deposit:

  • Earn 3.00% APY* on up to 10% of your paycheck in Auto-Save Pockettext
  • Access Early Paycheck
  • Increased Credit Line
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Access a built-in safety net

Avoid gaps and high interest debt with Credit Line. There’s no interest when repaid within the month you borrow. 12% APR on carried balances. text

Organize around your life and people

Create Pockets to budget and share money.

  • Free and unlimited
  • Separate how you spend, save, and share
  • Invite people to joint Pockets
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Traditional
Banks
Other Digital Banks
Fees or Minimums
No
Yes
Some
Early Paycheck
Yes
No
Some
Auto-Save Interest Rate
3.00% APY*
No
up to 3.00% APY
Savings Interest Rate
1.00% APY*
.06% APY Average
up to .50% APY
Overdraft Protection
Yes
Some
Some
Credit Line
Yes
No
No
Fees or Minimums
Early Paycheck
Auto-Save Interest Rate
Savings Interest Rate
Overdraft Protection
Credit Line
https://www.onefinance.com/wp-content/uploads/2021/01/logo-black.svg
No
Yes
3.00% APY*
1.00% APY*
Yes
Yes
Fees or Minimums
Early Paycheck
Auto-Save Interest Rate
Savings Interest Rate
Overdraft Protection
Credit Line
Traditional
Banks
Yes
No
No
.06% APY Average
Some
No
Fees or Minimums
Early Paycheck
Auto-Save Interest Rate
Savings Interest Rate
Overdraft Protection
Credit Line
Other Digital Banks
Some
Some
up to 3.00% APY
up to .50% APY
Some
No

How One works

https://www.onefinance.com/wp-content/uploads/2021/01/Icon1.svgSign up
There’s no credit check or long forms to fill out.
https://www.onefinance.com/wp-content/uploads/2021/01/Icon2.svgTransfer money
Connect your bank to fund your One account.
https://www.onefinance.com/wp-content/uploads/2021/01/Icon3.svgStart using One
Create Pockets to spend, save or share.

Loved by users. Trusted by experts.

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It's been great, better than my other bank.

Josh B.

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Very easy to use app.

Great for people who don't want to use a traditional bank.

James R.

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I love One!

They are awesome and have a lot of benefits if you have direct deposit set up.

Sherry P.

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Y’all helped me when I needed it most!!

Elmudathir S.

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I love the entire concept...

and your customer service is the best in the industry.

Robby P.

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NerdWallet’s 2021 Winner Overdraft Fee Avoidance

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I love the options One gives you.

Credit Line is an awesome feature.

Amy P.

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One is awesome with many features you won’t find anywhere else.

I love how easy it is to budget and I made the right decision coming from Simple to One!

Marc M.

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Great service, awesome banking, no fine print issues.

Vanisha W.

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No hidden fees, no monthly fees, and very easy to use!

Shianne L.

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The game really hasn't been played yet

One thinks it can reinvent banking in a crowded market

Shakeel Hashim, Protocol

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Love the ease of use of the app.

Left Simple for you guys and glad I made the switch.

Jordan R.

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Where to Save Your Money in Order to Earn the Most Interest

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One is packed with amazing and helpful features.

Anna L.

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Get paid early, plus you get a Credit Line, savings, and Pockets - better than Simple.

Jason R.

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I love the card design. And deposits are fast!

Brian D.

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LOVE Pockets! LOVE being paid out two days earlier. LOVE the 3.00% APY* Auto-Save.

Kainoa L.

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I’ve had Chime, Current, and TD Bank. One is hands down the best!

Orlando E.

Get Your One account today!