OnePay | The Mobile Banking App Designed With More in Mind

Meet your money super app. Through OnePay, you can bank, send, pay, spend, and borrow—plus build credit and earn cash back and rewards—all in one place to give you more for what matters.

𝗢𝗻𝗲𝗣𝗮𝘆
Banking that builds credit.◊ Get paid up to 2 days early*, high-yield Savings, OnePay Rewards, fee-free overdraft^.

𝗕𝗮𝗻𝗸𝗶𝗻𝗴+
Earn 3% cash back on Walmart, gas or dining on up to $150 spent per month with eligible deposits.⁰

𝗢𝗻𝗲𝗣𝗮𝘆 𝗖𝗮𝘀𝗵𝗥𝗲𝘄𝗮𝗿𝗱𝘀 𝗖𝗮𝗿𝗱¹
Earn 5% cash back at Walmart with Walmart+. 3% cash back at Walmart for everyone else. 1.5% cash back on all other purchases.

𝗘𝘅𝗽𝗹𝗼𝗿𝗲 𝗺𝗼𝗿𝗲
✅ Check your credit²
✅ Transfer money internationally³
✅ Invest with as little as $1⁴
✅ Buy, sell, and trade crypto for as little as $1⁵
✅ OnePay Later⁶

𝗚𝗲𝘁 𝘀𝘁𝗮𝗿𝘁𝗲𝗱 👉 https://www.onepay.com
https://www.instagram.com/joinonepay
https://www.facebook.com/joinonepay
https://www.linkedin.com/company/joinonepay
https://x.com/joinonepay

𝗗𝗶𝘀𝗰𝗹𝗼𝘀𝘂𝗿𝗲𝘀:

OnePay is a financial technology company, not a bank. Banking services provided by Coastal Community Bank or Lead Bank, Members FDIC.
* Direct deposit required. Funds may be available up to 2 days in advance, depending on when your employer sends paycheck data.

◊ OnePay reports Builder Card activity to Credit Bureaus (unless you opt out). Results may vary & aren’t guaranteed. Debit transactions aren’t reported. See OneProgress Services LLC (NMLS ID 2460509) https://www.onepay.com/legal/licenses

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) https://www.one.app/legal/licenses

⁰ 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: http://OnePay.com/rewards-terms

^ Fee-Free Overdraft is available to OnePay deposit accounts that have either (i) received Direct Deposits 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. When on, Savings Backup will be used before Fee-Free Overdraft. Overdraft balance is due right away. Eligible transactions are at the discretion of OnePay and may exclude certain transactions (e.g., bill pay, global transfers). See details.

¹ Subject to credit approval. 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: https://www.onepay.com/legal/onepay-rewards-terms

The OnePay CashRewards Mastercard is issued by Synchrony Bank pursuant to a license from Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

² 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.
³ Currency exchange rates vary.
⁴ 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. Investment products are not insured by the FDIC, or any Federal Government agency, are not a deposit, and may lose value.
Brokerage services are offered by One Growth Securities LLC, Member FINRA/SIPC https://www.finra.org Clearing and custody provided by DriveWealth, LLC, Member FINRA/SIPC https://www.finra.org
⁵ 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: https://www.onepay.com/legal/onepay-crypto-account-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: https://www.onepay.com/legal/zerohash-disclosures
⁶OnePay Later loans are powered by Klarna and issued by their partner banks.

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