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Sitemap: https://www.onepay.com/sitemap.xml

# OnePay: Mobile Banking and Financial Services

[OnePay](https://www.onepay.com) is a financial technology company providing mobile banking solutions through Coastal Community Bank or Lead Bank, Members FDIC. The platform combines everyday banking with access to Credit Builder with eligible deposits, high-yield Savings, buy now pay later, a credit card, a digital wallet, crypto and stock buying, tax filing, and a debit card with rewards in one app.

## Key Features and Services

### [Mobile Banking Solutions](https://www.onepay.com/cash)
- **OnePay Account**: No monthly fees. And no overdraft fees or minimum balances, either
- **High-Yield Savings**: Earn 3.35% APY on Savings with eligible deposits
- **Early Direct Deposit**: Get paid up to 2 days early with direct deposit
- **Cash Back**: Earn 3% cash back on Walmart, gas or dining each month
- **Free Cash Withdrawals at Walmart**: Take out cash at any Walmart Money Center, cashier, or Customer Service desk by using your OnePay debit card
- **Fee-Free Overdraft**: Fee-free overdraft protection with eligible deposits
- **[Buy Now, Pay Later](https://www.onepay.com/paylater)**: Shop online at Walmart.com or in-store at Walmart and choose OnePay Later at checkout to split purchases into smaller payments

### [Credit Building](https://www.onepay.com/credit-builder)
- **Credit Builder Loan**: Access Credit Builder Loan with zero fees or interest, with eligible deposits
- **[Credit Score Monitoring](https://www.onepay.com/credit-score)**: Your score, with no fees attached. Get weekly insights into your credit with Credit Score

### [Credit Card](https://www.onepay.com/credit-card)
- **Unlimited Cash Back**: Get 5% cash back at Walmart for Walmart+ members, 3% cash back at Walmart for non-members, and 1.5% cash back on all other purchases - anywhere Mastercard is accepted
- **Welcome Bonus**: Get an extra $35 cash back when you spend $75+ within 30 days of card opening
- **Zero Annual Fee**: Say goodbye to annual fees with the OnePay CashRewards Card

### Rewards and Benefits
- **[OnePay Rewards Program](https://www.onepay.com/rewards)**: shop popular brands when you bank through OnePay and get rewarded for it
- **[Earn rewards at Walmart](https://www.onepay.com/walmart)**: OnePay Banking+: Earn 3% cash back at Walmart on up to $150 spent per month
- **[Digital Wallet](https://www.onepay.com/wallet)**: Pay from your phone with a digital wallet at Walmart

### Money Movement
- **[Global Transfers](https://www.onepay.com/cash)**: Global Transfers, powered by MoneyGram®, allows you to send money to another person in over 140 countries and territories directly from the OnePay app

### [Investing](https://www.onepay.com/invest)
- **In-App Investing**: OnePay puts the stock market at your fingertips with an in-app investing tool for trading stocks and ETFs
- **No Commission**: Buy and sell stocks without a single commission fee
- **Low Cost**: Invest in as many stocks and/or ETFs as you want for as little as $1
### [Crypto](https://www.onepay.com/crypto)
- OnePay allows users to buy, hold, and various cryptocurrencies such as BTC and ETH
- **Market News and Updates**: Stay informed with price alerts and market news on cryptocurrency
- **Automatic Buying**: Buy cryptocurrency automatically with Round-ups or schedule your purchases with recurring buys

### [Taxes](https://www.onepay.com/taxes)
- **File Taxes for Free**: Customers who bank through OnePay can file their state and federal taxes for free
- **Get Your Refund Early**: Get your tax refund up to 5 days early

## [Money Matters Blog](https://www.onepay.com/blog)
- **Financial Literacy**: Learn the basics of how to save, spend, borrow, and grow your money
- **[Credit and Credit Cards](https://www.onepay.com/blog/credit-and-credit-cards)**: Learn how to manage and build your credit
- **[Taxes and Retirement](https://www.onepay.com/blog/taxes-and-retirement)**: Learn how to get the most out of tax filing season and ways to plan for your retirement
- **[Banking and Savings](https://www.onepay.com/blog/banking-and-savings)**: Learn ways to save your money, manage your finances, and bank responsibly
- **[Cryptocurrency and Investing](https://www.onepay.com/blog/cryptocurrency-and-investing)**: Learn how to buy, sell, and trade cryptocurrencies as a means of investment

## Eligibility and Requirements

- **[High-Yield Savings](https://www.onepay.com/cash)**: 3.35% annual percentage yield (APY) applies to the Savings balance of OnePay deposit accounts that have either (i) received $500+ of Direct Deposits in the current or previous month or (ii) have a balance of $5,000+ at the end of the previous month. 3.35% APY is also earned on Pay Autosave and ONE@Work Save balances without deposit or balance requirements. 3.35% APY is limited to a total Savings balance of up to $250,000. All other Savings balances will earn 1.00% APY. APYs are as of 10/7/2025, but may change at any time before or after account opening.


- **Early Direct Deposit**: Direct Deposit is required. Funds may be available up to 2 days in advance, depending on when your employer sends paycheck data

- **Free Cash Withdrawals at Walmart**: Only applies to deposits and withdrawals with a OnePay Cash debit card made at Walmart Money Centers, cashiers, or Customer Service desks.

- **Fee-Free Overdraft**: Fee-Free Overdraft is made available on OnePay deposit accounts that have either (i) received [Direct Deposits](https://www.onepay.com/help-center/articles/direct-deposit?%24web_only=true&_branch_match_id=1486141928585177169&utm_medium=marketing&_branch_referrer=H4sIAAAAAAAAAwXBSwqAMAwFwBO12QviwoNIi09btB9eAtl5dmeK2dRFZHQER45pzvjW%2FgiE8MRTg4FNt4%2B4QNZ%2BH5nDFVz3wtHwA%2BiTVRhCAAAA) totaling $500+ in the current or previous month, or (ii) have a balance of $5,000+ at the end of the previous month. You must be 18 or older to receive Fee-Free Overdraft. When on, Savings Backup will be used before Fee-Free Overdraft. Overdraft balance is due right away. Transactions eligible for Fee-Free Overdraft are at the discretion of OnePay and may exclude certain transactions (e.g., bill pay, global transfers). $250 cap is only available to Walmart associates who sign up for a OnePay deposit account through MyWalmart. Customers initially receive a Fee-Free Overdraft limit of $20, but may be eligible for a higher limit based on account history, Direct Deposits, and other risk based factors.

- **Buy Now, Pay Later**: Loans are subject to approval and eligibility. Rates range from 9.99% - 35.99% APR based on creditworthiness and term length. For example, a $304.84 purchase might cost $27.36 per month over 12 months at 13.99% APR.Down payment may be required. May not be available in all states or for all products.

- **Credit Builder Program**:Use of the Credit Builder Loan Program does not guarantee that your credit score will improve. Credit score improvement is dependent on your specific circumstances and a variety of factors, including your financial behavior. Failure to make monthly minimum payments on time may negatively impact your credit score. Credit Builder Loans are available to OnePay deposit accounts that have either (i) received [Direct Deposits](https://www.onepay.com/help-center/articles/direct-deposit?%24web_only=true&_branch_match_id=1486141928585177169&utm_medium=marketing&_branch_referrer=H4sIAAAAAAAAAwXBSwqAMAwFwBO12QviwoNIi09btB9eAtl5dmeK2dRFZHQER45pzvjW%2FgiE8MRTg4FNt4%2B4QNZ%2BH5nDFVz3wtHwA%2BiTVRhCAAAA) totaling $500+ in the current or previous month, or (ii) have a balance of $5,000+ at the end of the previous month. Participation is subject to eligibility. See Licenses, for state disclosures.
OnePay is not a credit repair service and does not remove negative credit history from your credit profile.

- **Credit Score Monitoring**: The credit score provided by OnePay is your VantageScore® 4.0 by TransUnion® and may not be the credit score model used by your lender. Lenders use a variety of different types of credit scores to make lending decisions.

- **Credit Card Unlimited Cash Back**: Cash back is earned as points on purchases made with your OnePay CashRewards Mastercard which can be redeemed as a statement credit, as a deposit into a OnePay deposit account, or other available options. See [OnePay Rewards Terms](https://www.onepay.com/legal/onepay-rewards-terms?%24web_only=true&_branch_match_id=1379611885891303477&utm_medium=marketing&_branch_referrer=H4sIAAAAAAAAAwXBSwqAMAwFwBO12QviwoNIi09btB9eAtl5dmeK2dRFZHQER45pzvjW%2FgiE8MRTg4FNt4%2B4QNZ%2BH5nDFVz3wtHwA%2BiTVRhCAAAA) for details.

- **Credit Card Welcome Bonus**: To receive the welcome bonus, you must (i) be approved for a OnePay CashRewards Mastercard or OnePay Walmart Spend Card and (ii) use it to make $75 or more in purchases within 30 days of account opening. Offer is valid for new accounts only and may only be applied once. Cash back is earned as points, which can be redeemed as a statement credit, as a deposit into a OnePay deposit account, or other available options. See [OnePay Rewards Terms](https://www.onepay.com/legal/onepay-rewards-terms?%24web_only=true&_branch_match_id=1486141928585177169&utm_medium=marketing&_branch_referrer=H4sIAAAAAAAAAwXBSwqAMAwFwBO12QviwoNIi09btB9eAtl5dmeK2dRFZHQER45pzvjW%2FgiE8MRTg4FNt4%2B4QNZ%2BH5nDFVz3wtHwA%2BiTVRhCAAAA) for details. Limited time offer. We reserve the right to change or discontinue this offer at any time.

- **Zero Annual Fee**: [See rates, fees and other cost information](https://apply.syf.com/cs/groups/public/documents/et_tcdoc/e079073.pdf).

- **OnePay Rewards Program: – shopping popular brands with your debit or builder card**: Cash back is earned as OnePay Points, redeemable as a deposit into a OnePay deposit account or other available options pursuant to the OnePay Rewards Terms. Individual reward details can be found in the OnePay app.

- **Walmart Rewards: OnePay Cash+ - 3% cash back at Walmart**: Cash back is earned as OnePay Points, redeemable as a deposit into a OnePay deposit account or other available options pursuant to the OnePay Rewards Terms. Individual reward details can be found in the OnePay app.
Only available to customers who either (i) received $500+ in direct deposits or (ii) had a total balance of $5,000+ at the end of the previous month. Cash back is earned as OnePay Points, redeemable into a OnePay deposit account or other available options. You must select your cash back category in the OnePay app monthly and you begin earning on the date it is selected. Customers can choose to earn at Walmart, on gas, or on dining. Eligible purchases are based on MCC. See [OnePay Rewards Terms](https://www.onepay.com/help-center/articles/direct-deposit?%24web_only=true&_branch_match_id=1486141928585177169&utm_medium=marketing&_branch_referrer=H4sIAAAAAAAAAwXBSwqAMAwFwBO12QviwoNIi09btB9eAtl5dmeK2dRFZHQER45pzvjW%2FgiE8MRTg4FNt4%2B4QNZ%2BH5nDFVz3wtHwA%2BiTVRhCAAAA).


- **Global Transfers**: Subject to agent operating hours and compliance with regulatory requirements.

- **Investing**: Investment products are not FDIC Insured, not bank guaranteed and may lose value.
All investing involves risk, which includes the risk of loss of principal. Customers should carefully consider their investment objectives and risk tolerance prior to investing.
Opening a OnePay deposit account, offered by One Finance, Inc., is required to open a OnePay Invest account. The OnePay deposit account is the sole funding source for your Invest account and is used to fund purchases and receive proceeds.
Brokerage services are offered by One Growth Securities LLC, Member FINRA/SIPC. Clearing and custody provided by DriveWealth, LLC. Member FINRA/SIPC.

- **Crypto**: Cryptocurrency involves risk, and prices can fluctuate, which may result in the loss of some or all of your investment. Cryptocurrencies are not insured by the SIPC, FDIC, or any Federal Government Agency, are not a deposit, and may lose value. Trading Fees apply; see Customer Agreement for details. Cryptocurrency transaction and custody services are powered by Zero Hash LLC and Zero Hash Liquidity Services LLC through an agreement with OneProgress Assets LLC. View additional disclosures here.
Opening a OnePay deposit account is required to open a OnePay Crypto account. The OnePay deposit account is the sole funding source for your Crypto account and is used to fund purchases and receive sale proceeds.
- **Taxes**: If you find an error in april's tax preparation that entitles you to a larger refund (or smaller liability), april will refund any fees you paid to use april's service to prepare that return and you may use april's service to amend your return at no additional charge. To qualify, the larger refund or smaller tax liability must not be due to differences or inaccuracies in data supplied by you, your choice not to claim a deduction or credit, positions taken on your return that are contrary to law, or changes in federal or state tax laws. See [april terms](https://www.getapril.com/terms-of-use?lid=l0vgz70247jg) for details.

## Important Notes

OnePay is a financial technology company, not a bank. Loans through OneProgress Services LLC (NMLS ID 2460509) and banking services through OnePay are provided by Coastal Community Bank or Lead Bank, Members FDIC.
OnePay Later loans are powered by Klarna and issued by [their lending partners](https://www.onepay.com/legal/lenders-disclaimers).

The secured OnePay Builder Mastercard® is issued by banking partners pursuant to a license by Mastercard® International Incorporated. Credit Builder Loans through OneProgress Services LLC (NMLS ID 2460509) are provided by Coastal Community Bank, Member FDIC. See OneProgress Services LLC (NMLS ID 2460509) Licenses.
OnePay debit card is issued by banking partners Coastal Community Bank or Lead Bank, Members FDIC, pursuant to a license by Mastercard® International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.