One Account. One Card. Many Features.

Every One
Account Can

  • Use your One card as a debit card.
  • Earn 1.00% APY* in your Save Pocket – up to $5,000.
  • Activate a no-fee approved Credit Line for overdraft protection.
  • Round up One card purchases to 3.00% APY* Auto-Save.
  • Create and share unlimited free Pockets.
  • Use with no fees or no minimums.
  • Use 55,000 fee-free Allpoint ATMs.
  • Pay anyone with free ACH bank transfers.
  • Contact world-class live customer service.

Get More with Paycheck Direct Deposit

  • Earn 1.00% APY* in your Save Pocket up to $25,000.
  • Increase your Credit Line (subject to approval).
  • Contribute up to 10% of paycheck direct deposits into 3.00% APY* Auto-Save. Up to $1,000/month.
  • Get your paycheck deposit earlier with Early Paycheck.

Stress less. Get paid earlier.

Set up paycheck direct deposit and access your paycheck early. You’ll be able to pay your bills on time and do more with your money.

Use One anywhere Mastercard is accepted

Earn $5 on your first card purchase!

  • Pocket the change! Round up One card purchases to Auto-Save and earn 3.00% APY* on balances.
  • Your One card can be linked to any Spend pocket in your One account.
  • Add your One card to Apple Pay or Google Wallet.
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Instant flexibility with Credit Line

  • No interest when you repay within the month you borrow.

 If you carry a balance into the next month, you pay 1.00% per month (12% APR) on any amount borrowed.
  • Increase your Credit Line with paycheck direct deposit (subject to approval).

Automagic Saving!

Automatically save more with paycheck direct deposit and rounding up One card purchases.

*Annual Percentage Yield effective as of 9/1/2020 and subject to change.


Card Auto-Save

Round up One card purchases to the next dollar and deposit that difference into Auto-Save! 

*Annual Percentage Yield effective as of 9/1/2020 and subject to change.


Paycheck Auto-Save

Turn on paycheck Auto-Save to earn 3.00% APY* by automatically contributing up to 10% of your direct deposit paycheck. Up to $1,000/month.

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No Fees, No Minimums
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Get Paid Early
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World-Class Live Customer Service
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Secure Accounts Using Powerful Encryption
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Fee-Free Access to
55,000 Allpoint ATMs
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FDIC-insured** up to $250,000 per depositor
"I switched to One from Chase! I love the app's easy to understand design."
Justin W.
Kansas City, KS
"An incredible concept and opportunity. I have personally become a client of One and have found It so easy to create and share pockets with others."
Tony A.
Carmel, IN
“One’s customer support is fantastic. I had a small issue and they were on top of it and provided me with regular updates. It was clear that I was a priority.”
Louis C.
San Jose, CA
"After being burdened so many times by frustrating banking experiences it's refreshing to be banking with One. They actually listen and cared about me and helped me with my issue in no time flat! Who does that?!"
Thiago P.
Acworth, GA