Your daily finances in one app

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

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Your One account features include...

  • 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


One card

  • Spend from different Pockets
  • Auto-Save with every purchase
  • Access 55,000 fee-free Allpoint ATMs
Features Updated Block

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

No Fees, No Minimums

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


Fee-free ACH Bank Transfers


Fossil Fuel Free Deposits°


Remote Check Deposit

(subject to availability)


Powerful Data Encryption


No-Fee Overdraft Protection


NerdWallet's Best-Of 2021 Winner


Customize your account

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


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 in the One app

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!