How does One compare?

Find out now >

Organize your money, simplify your life.

Make real progress.

Auto-Save at 3.00% APY*
Borrow at 12% APR
Customize your budget with Pockets

Your One account is FDIC-insured through our bank partner, Coastal Community Bank, Member FDIC. One is a financial technology company, not a bank.

Opening an account does not impact your credit score

Your One account is FDIC-insured through our bank partner, Coastal Community Bank, Member FDIC. One is a financial technology company, not a bank.

Opening an account does not impact your credit score

Best Checking Account with Overdraft Fee Avoidance

Features Updated
all-in-one account

Your daily finances at a glance

Quickly know how much you can spend or borrow, and how much you’ve saved.

Build your emergency savings automatically

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card auto-save

A little every day quickly adds up

Earn unlimited 3.00% APY* with automatic One card round ups using card Auto-Save.

“I’ve been using Auto-Save for less than a month and have saved up $200 already!” - Whitney R.

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paycheck auto-save

Put your paycheck on auto-pilot

Auto-Save up to 10% of your paycheck (up to $1,000/month) while earning 3.00% APY.*

Credit that automatically grows with you

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credit line

Borrow money at an affordable rate

Direct deposit customers can finance a purchase over time or cover bills between paychecks at 1% per month (12 % APR).⁑

“They give instant credit! It’s easy to pay back and not expensive!!” - Heather W

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CREDIT BUILDER

Automatically build credit history

Credit Builder makes automatic on-time payments every month. There’s no new account or new card needed to start using!†

Customize your account to your life, goals, and people

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free and unlimited

Pockets organize your money

Start with the basics then add more. Create Pockets for an expense, savings goal, or to manage money together.

“Pockets make it easy to separate my expenses or goals while sharing them with family members, roommates—whoever.” - Alex C.

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Share a pocket

Easily manage money together

Create and share Pockets to manage bills or save with another person or group of people.

How does One compare

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Traditional

Banks

Other
Banking Services

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/2021/05/Large.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
Banking Services
Some
Some
up to 3.00% APY
up to .50% APY
Some
No

Start using your One account immediately

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Sign up

There’s no credit check.

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Transfer money

Fund your One account.

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Start using One

Earn a $5 bonus.

Loved by users. Trusted by experts.

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One gave me a chance when most won't. I can get my mess in a bit more ordered with the Pockets.

Denna 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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One has surpassed my expectations of an online banking experience

and is clearly making efforts to invest in forward-thinking, innovative services.

Ryan R.

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My girlfriend has One now so we can save together.

Gavin J.

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The most simple online banking experience I’ve ever had!

Liz M.

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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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Easy to set up, no hidden fees.

Niki O.

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

Shianne L.

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Pockets have literally changed how I organize money and pay bills!

Andrew G.

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I love online banking with you.

Sandra C.

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One visually fits the way I budget every paycheck...

this helps me to actually save money and allocate money where I expect to spend it every single month.

Jen N.

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I really like the idea of an online banking service.

I like how it connects to my budgeting software and allows me to have separate Pockets and share a Pocket with my spouse.

Dan A.

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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!