Organize your money, simplify your life.

Make real progress.

Auto-Save at 3.00% APY*
Borrow at 12% APR
Customize your budget with Pockets

Your One account is FDIC-insured through our bank partner, Coastal Community Bank, Member FDIC.

Opening an account does not impact your credit score

Your One account is FDIC-insured through our bank partner, Coastal Community Bank, Member FDIC.

Opening an account does not impact your credit score

Best Checking Account with Overdraft Fee Avoidance

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all-in-one account

Your daily finances at a glance

Quickly know how much you can spend or borrow, and how much you’ve saved.

Build your emergency savings automatically

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card auto-save

A little every day quickly adds up

Earn unlimited 3.00% APY* with automatic One card round ups using card Auto-Save.

“I’ve been using Auto-Save for less than a month and have saved up $200 already!” - Whitney R.

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paycheck auto-save

Put your paycheck on auto-pilot

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

Credit that automatically grows with you

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credit line

Borrow money at an affordable rate

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

“They give instant credit! It’s easy to pay back and not expensive!!” - Heather W

CreditBuilder
CREDIT BUILDER

Automatically build credit history

Credit Builder makes automatic on-time payments every month. There’s no new account or new card needed to start using!†

Customize your account to your life, goals, and people

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free and unlimited

Pockets organize your money

Start with the basics then add more. Create Pockets for an expense, savings goal, or to manage money together.

“Pockets make it easy to separate my expenses or goals while sharing them with family members, roommates—whoever.” - Alex C.

share
Share a pocket

Easily manage money together

Create and share Pockets to manage bills or save with another person or group of people.

How One compares

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Traditional

Banks

Other
Banking Services

Fees or minimums
No
Yes
Some
Early paycheck
Yes
No
Some
Auto-Save interest rate
3.00% APY*
No
up to 3.00% APY
Savings interest rate
1.00% APY*
.06% APY average
up to .50% APY
Overdraft protection
Yes
Some
Some
Credit Line
Yes
No
No
Fees or minimums
Early paycheck
Auto-Save interest rate
Savings interest rate
Overdraft protection
Credit Line
https://www.onefinance.com/wp-content/uploads/2021/05/Large.svg
No
Yes
3.00% APY*
1.00% APY*
Yes
Yes
Fees or minimums
Early paycheck
Auto-Save interest rate
Savings interest rate
Overdraft protection
Credit Line
Traditional

Banks
Yes
No
No
.06% APY average
Some
No
Fees or minimums
Early paycheck
Auto-Save interest rate
Savings interest rate
Overdraft protection
Credit Line
Other
Banking Services
Some
Some
up to 3.00% APY
up to .50% APY
Some
No

Start using your One account immediately

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Sign up

There’s no credit check.

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Transfer money

Fund your One account.

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Start using One

Earn a $5 bonus.

Loved by users. Trusted by experts.

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It's been great, better than my other bank.

Josh B.

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Very easy to use app.

Great for people who don't want to use a traditional bank.

James 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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Y’all helped me when I needed it most!!

Elmudathir S.

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I love the entire concept...

and your customer service is the best in the industry.

Robby P.

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NerdWallet’s 2021 Winner Overdraft Fee Avoidance

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I love the options One gives you.

Credit Line is an awesome feature.

Amy P.

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One is awesome with many features you won’t find anywhere else.

I love how easy it is to budget and I made the right decision coming from Simple to One!

Marc M.

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Great service, awesome banking, no fine print issues.

Vanisha W.

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

Shianne L.

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The game really hasn't been played yet

One thinks it can reinvent banking in a crowded market

Shakeel Hashim, Protocol

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Love the ease of use of the app.

Left Simple for you guys and glad I made the switch.

Jordan R.

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Where to Save Your Money in Order to Earn the Most Interest

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One is packed with amazing and helpful features.

Anna 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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I love the card design. And deposits are fast!

Brian D.

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LOVE Pockets! LOVE being paid out two days earlier. LOVE the 3.00% APY* Auto-Save.

Kainoa L.

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I’ve had Chime, Current, and TD Bank. One is hands down the best!

Orlando E.

Get your One account today!