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.

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

Welcome to One

All-in-one banking to support 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

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

Compare One to your bank.

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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

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Sign up

There’s no credit check or long forms to fill out.
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Transfer money

Connect your bank to fund your One account.
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Start 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!