Features

One Account, One Card, Many Features

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Basic One Account

  • Spend using your One Mastercard debit card
  • Earn 1.00% APY* on your savings balance up to $10,000
  • Create and share pockets for any financial need or goal
  • One approved Credit Line covers you if you dip below zero

Add Monthly Paycheck Direct Deposit

  • Earn 1.00% APY* on your savings balances up to $25,000
  • Automatically save a portion of each paycheck with Auto-Save. Earn 3.00% APY* on your Auto-Save balance.
  • Increase your available credit up to the size of your paycheck deposit (subject to approval)
  • Use your One card as a credit card or debit card
*Annual Percentage Yield effective as of 6/1/2020 and subject to change

One Card

Use your One card anywhere Mastercard is accepted and earn $5 when you make your first purchase!

  • Your One card can be used with any Spend pocket in your account
  • When you add your paycheck direct deposit you can use your One card as a credit card or debit card
  • Add your One card to your Apple Pay or Google Wallet
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Credit Line

Seamlessly bridge gaps should you need to with Credit Line

  • Your One account includes credit with no interest when you repay within the month you borrow
  • If you need to carry a balance into the next month, you pay 1.00% per month (12% APR) on any amount borrowed
  • Increase your available credit up to the size of your paycheck deposit (subject to approval)

Auto-Save

Automatically save directly from your paycheck, no fees and no spreadsheets required

  • Direct deposit your paycheck monthly to One and we’ll automatically put aside 3% of that for you
  • Earn 3.00% APY* on your Auto-Save amount
  • That’s on top of your 1.00% APY* you’ll be earning in your Save pocket

You’ll have a little extra for those rainy or sunny days

There's More!

checkNo overdraft fees or cash advance fees
checkWorld-class customer service that even lets you schedule your own support call
checkNo minimum balances required
checkSafe and secure banking, using powerful encryption
check55,000 worldwide surcharge-free ATMs
checkYour money is FDIC-insured** up to $250,000 per depositor