Get more in 202One

One Account. One Card. Many Features.

Product
DD

Paycheck
Direct Deposit

Auto.Save

3.00% APY*
Auto-Save

pockets

Unlimited
Free Pockets

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Credit
Line

Unlock more benefits

Your paycheck can do more than just show up

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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.

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Paycheck Auto-Save

Automatically grow your savings

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.

Get more with paycheck direct deposit

Earn 1.00% APY* in your Save Pocket - increased from $5,000 to $25,000 with paycheck direct deposit.
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.

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.
And also—

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.

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Card Auto-Save

Grow your savings faster

Watch your savings automatically grow with every One card purchase. You’ll earn 3.00% APY* in the Auto-Save Pocket with card round ups.

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No Fees,
No Minimums

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Get Paid Early

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World-Class
Customer Service

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Fossil Fuel
Free Deposits

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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

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Award Winning
Overdraft Coverage

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Credit Line

Access a built-in safety net

Avoid gaps and high interest debt with Credit Line. There’s no interest when repaid within the month you borrow. 12% APR on carried balances.

How One works

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Sign up

There’s no credit check
or long forms to fill out.

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Transfer money

Connect your bank to fund
your One account.

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Start using One

Create Pockets to spend,
save or share.

Frequently Asked Questions

Q: Does One have joint accounts?

A: Yes! We have something better called Shared Pockets. They’re free and unlimited.

Q: Will applying impact my credit score?

A: No! Applying or opening an account does not impact your credit score.

Q: Does One charge any fees?

A: No! There’s no fine print issues.

Q: Are my deposits FDIC insured?

A: Yes! It’s FDIC insured for up to $250,000 per depositor.

Q: What interest rates will I earn?

A: You’ll enjoy 1.00% APY* in your Save Pocket and 3.00% APY* in your Auto-Save Pocket.

Q: Does One have budgeting tools?

A: Yes! We have many tools to help you budget and organize your finances:

Unlimited Pockets
Shared Pockets
Scheduled Transfers
Paycheck Auto-Save
Card Auto-Save
and more!

How One Compares to Other Banks

Help Center

Get Your One account today!