One — Mobile Banking

One is a financial technology company that offers banking services through Coastal Community Bank. One Cash accounts are FDIC insured up to $250,000 per depositor. The One card is issued by Coastal Community Bank and is licensed by Mastercard® International.

Customers can sign up for the first deal and claim cash with a One Cash Account. However, deals do expire and customers should refer to the terms and conditions at one.app/one-pay-terms.

Cash back can be earned through the Debit Rewards Program, with individual offer details available in the One app. Customers should also refer to the terms and conditions at one.app/rewards-terms.

To receive 3% cash back, eligible customers must have received $500 or more of eligible direct deposits in the previous month or have a total account balance of $5,000 or more. This cash back is limited to $50 per year and applies only to purchases made at U.S. Walmart locations and on Walmart.com. Customers should refer to the terms and conditions at one.app/rewards-terms for more information.

The Savings balance of One Cash customers can earn a 4.35% annual percentage yield (APY) if they meet certain requirements. This APY is also earned on Pay Autosave and ONE@Work Save balances without these deposit or balance requirements. However, the 4.35% APY is limited to a total Savings balance of up to $250,000. All other Savings balances will earn 1.00% APY. These APYs are as of 10/10/2024, but are subject to change at any time before or after account opening. Customers should refer to the terms and conditions at one.app/rewards-terms for more information.

One also offers a Credit Builder Program, which may help improve a customer's credit score. However, this is not guaranteed and is dependent on the customer's specific circumstances and financial behavior. To be eligible for the Credit Builder Program, customers must bank through One and have eligible direct deposits totaling at least $500 in the previous month. All Credit Builder Programs are subject to approval. Customers should refer to the terms and conditions at one.app for state disclosures.

One also provides customers with their VantageScore® 4.0 by TransUnion®, which may not be the credit score model used by their lender. Lenders use a variety of different types of credit scores to make lending decisions. Customers should also note that global transfers may not be available to all One customers.

One Finance, Inc. holds the copyright for all third party products, names, logos, and brands mentioned. These are used for identification purposes only and do not imply any ownership, affiliation, or endorsement. Customers can refer to the terms and conditions at www.one.app/terms for more information on One's products.

One's mailing address is P.O. BOX 513717, Los Angeles, CA 90051.