Your paycheck can do more than show up.

Unlock more benefits with direct deposit.


Get Paid up to
Two Days Early**


3.00% APY*

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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.

Getting paid 2 days early at job

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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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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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.


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.


No Fees,
No Minimums

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Get Paid Early**




Increased Saving


Auto-Save at
3.00% APY*


12% APR⁑
Credit Line

How One Compares to Other Banking Services

7 Reasons To Set Up Direct Deposit

Early's a big plus!

Travis S.

Love the Auto-Save Pocket!

Shelley J.

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

Natisha R.

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

Sherry P.

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

Aaron D.

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

Cynthia B.

Love ALL the features. Easy breezy!

Marc F.

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

Shianne L.

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

Sean L.

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

Jason R.

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.

Get my direct deposit 2 days earlier

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

Rickey L.

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

Nef D.

Get your One account today!