One — Mobile Banking 4.41.1

Pay, bank & build credit.

One operates as a financial technology company, not as a bank. Banking services are provided by Coastal Community Bank, an FDIC member. Deposits in approved One Cash accounts are FDIC insured up to $250,000 per depositor. The One card is issued by Coastal Community Bank under a Mastercard® International license.

Exclusive Offer: This service is accessible only to consumers who open an account through Walmart.com, the Walmart app, one.app, or the One app between June 10, 2024, and August 31, 2024. Detailed terms can be found at one.app/10percent.

Special Promotion: Signing up gives you access to the first deal. Cash can be claimed with a One Cash Account only. Deals have an expiration date. Refer to the terms at one.app/one-pay-terms.

Earn Cash Back: Cash back rewards are attainable through the Debit Rewards Program. Specific offer details can be viewed in the One app. Review the terms at one.app/rewards-terms.

Cash Back Incentive: To qualify for 3% cash back, eligible customers must have received $500 or more in eligible direct deposits during the preceding month or maintain a total account balance of $5,000 or more at the time of purchase settlement. The 3% cash back is capped at $50 per year and applies exclusively to U.S. Walmart purchases, in-store and online. Kindly note this promotion cannot be combined with other One offers that provide cash back on Walmart transactions. See detailed terms at one.app/rewards-terms.

Savings Feature: A 5.00% annual percentage yield (APY) is applicable to the total Savings balance of customers meeting specific criteria related to direct deposits or account balances. This rate is capped at a maximum Savings balance of $250,000. Additional details can be found at one.app/rewards-terms.

Rewards Program: Meet the minimum requirements, which include receiving eligible direct deposits totaling at least $500 in the prior month to avail benefits such as overdraft protection. Note that age requirement for overdraft protection is 18 years or above. For specific program details on transactions eligible for overdraft protection, refer to One's guidelines.

Direct Deposit Information: Direct deposit may potentially occur up to 2 days before your payday; however, this timing is contingent on your employer's payroll schedule.

Credit Builder Program: Participation in this program doesn't automatically guarantee an enhanced credit score. Credit score enhancement is subject to individual circumstances and various factors, including financial behavior. Failure to meet monthly minimum payments punctually may have adverse effects on your credit rating. The Credit Builder Program is accessible upon banking with One and receiving direct deposits totaling over $500 monthly. Approval for all Credit Builder Programs is necessary; provided by OneProgress Services LLC, NMLS ID 2460509.

Credit Repair Disclaimer: Please note that One does not provide credit repair services or alter negative credit history entries in your credit file.

Credit Builder Loan: Based on a 12-month loan term with monthly $25 payments and a 0% APR rate, you can choose your contribution towards monthly payment amounts, starting from as low as $1. Any remaining amount will be covered by funds held in your Credit Builder lockbox.

Credit Score Transparency: The credit score provided by One is your VantageScore® 4.0 from TransUnion® and may differ from the model used by your lender as lenders employ varying credit score models for lending determinations.

Global Transfers: Availability of global transfers may be restricted to specific categories of One customers.

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To access detailed terms and conditions concerning products offered by One, please visit www.one.app/terms.

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