Your paycheck can do more than show up.

Unlock more benefits with direct deposit.

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Get Paid
Early**

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3.00% APY*
Auto-Save

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12% APR⁑
Credit Line

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How To Add
Direct Deposit

“One has powerful tools to help me get my budget in line.” - Nasir K.

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EARLY PAYCHECK

Get paid up to two days earlier**

Keep life going by accessing your paycheck sooner than at a traditional bank.

“I love getting my direct deposit every Wednesday!!!!” - Juan C.

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Paycheck Auto-Save

Automate your savings goals

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

“One helps me stay organized and automated with my finances.”
- Emily Q.

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Increased Save Pocket

Save more at 16x the average rate

Earn 1.00% APY* on up to $25,000 in your Save Pocket versus .06% APY traditional banks’ average rate.

“It’s easy to use. Helpful when you’re just a little short on funds.”
- Jeffrey M.

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Credit Line

Keep cash available in your Pockets

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

What direct deposits qualify?

Regular paychecks*
Social security income
Government salary
Annuities
Retirement payments
Unemployment payments
*Qualifying direct deposit must come from an approved source.

How to add your paycheck to direct deposit

1
Log into your payroll system.
2
Fill in your personal information.
3
Choose the amount of the deposit.
4
Choose the Pocket you would like to fund.
5
Fill in the bank name as One Finance, Inc.
6
Fill in your employer information.
Q: What qualifies as a direct deposit?

A: We consider many forms of income as a direct deposit, not just paychecks from your employers. Paychecks can be from a private company or other employer type, social security income, annuities, retirement payments, government salary or other government payments such as unemployment payments.

Q: Are exceptions made for what qualifies as a direct deposit?

A: We will review cases individually and decisions will be made at One’s discretion based on the information provided. If you believe a recent deposit into your account should be considered a direct deposit please reach out to us with the following information:

Date of Deposit
Deposit Amount
Depositor Name
Reason for consideration

Q: Do you accept ACH transfers as direct deposits?

A: At the moment, we do not support ACH transfers for self-employed individuals. We’re always working to add new features. Stay tuned for updates.

Q: How does Early Paycheck work?

A: A qualifying paycheck direct deposit may post up to 2 days earlier than the scheduled payment date. It depends on factors like timing of the payer’s deposit transmission, and the type of payer transmitting the deposit.

Q: How does One offer 3.00% APY*?

A: As a digital banking service, we don’t have brick-and-mortar overhead like traditional banks. Instead of keeping the cost savings, we put it back into our product so customers can build savings with industry-leading interest rates.

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No Fees,
No Minimums

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Get Paid Early**

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Scheduled
Transfers

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Increased Saving
Potential

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Auto-Save at
3.00% APY*

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12% APR⁑
Credit Line

How One Compares to Other Banking Services

7 Reasons To Set Up Direct Deposit

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Early Pay...it's a big plus!

Travis S.

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Love the Auto-Save Pocket!

Shelley J.

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One is the ultimate account. I like the Pockets, no fees, it’s accepted everywhere. It’s my most used account.

Natisha 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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I like what it can do when you get your direct deposit going!

Aaron D.

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This is a great option to manage your money. Love the design of the app and ease of use.

Cynthia B.

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Love ALL the features. Easy breezy!

Marc F.

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

Shianne L.

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Early Paycheck, Pockets, 3.00% APY* on Auto-Save, and notifications are great!

Sean 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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The Pockets are perfect for my budgeting needs, and getting paid early is amazing!

I also love the Auto-Save Pocket. I've been using One for less than a month and I've saved up $200 already!

Whitney R.

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Get my direct deposit 2 days earlier

and love the fact that you can link a virtual card to your Pockets!!

Rickey L.

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It’s a great way to help me save money!

Nef D.

Get your One account today!