Your daily finances in one app

“One makes me feel in control of my finances.”
- Alvaro S.

Features Updated

Every One account can...

  • Manage money with no fees and no minimums.
  • Earn 1.00% APY* – up to $5,000 in Save Pocket.
  • Earn unlimited 3.00% APY* on One card round ups.
  • Create and share free Pockets.
  • Access 55,000 fee-free Allpoint ATMs.
  • Pay with fee-free ACH bank transfers.
  • Activate overdraft protection (subject to approval).

Add direct deposit to unlock

  • Early Paycheck.**
  • 3.00% APY* on up to 10% of your direct deposit (up to $1,000/month).
  • Increased savings potential in Save Pocket - up to $25,000
  • 12% APR⁑ Credit Line (subject to approval).

Money management simplified

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One card

  • Spend from different Pockets
  • Auto-Save with every purchase
  • Access 55,000 fee-free Allpoint ATMs
Phone with One's online banking app

One App

  • Manage money on-the-go
  • Automate your budget
  • Deposit checks remotely (subject to availability)
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One account

  • Connect to other accounts and digital wallets
  • Reach live customer support
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No Fees, No Minimums

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FDIC-insured** up to $250,000 per depositor

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Fee-free ACH Bank Transfers

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Fossil Fuel Free Deposits°

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Remote Check Deposit

(subject to availability)

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Powerful Data Encryption

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No-Fee Overdraft Protection

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NerdWallet's Best-Of 2021 Winner

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Customize your account

Create Pockets around your life to visualize your bills, goals, and shared Pockets.

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Automate your budget

Schedule how much money automatically transfers between two Pockets or between a Pocket and a linked bank account.

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Keep tabs on your credit score

Get on-going access to a free credit score
 along with personalized credit insights.

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Add an extra layer 
of security

Create a unique virtual card to spend safer online. Virtual cards provide a secure buffer between your Pocket and any merchant data breach.

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Avoid declined transactions

Auto-fill any created Pocket with funds from your Spend Pocket when the Pocket balance doesn’t cover a transaction.

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 Banking Services

Help Center

Get your One account today!