Name: One – Mobile Banking
Rating: 4.76285 (44213 reviews)
Author: One Finance, Inc.

94.3LEGITIMACY SCORE
94.8SAFETY SCORE
4+CONTENT RATING
FreePRICE

What is One – Mobile Banking? Description of One – Mobile Banking 3114 chars

One is a financial technology company, not a bank. Banking services provided by Coastal Community Bank, Member FDIC. Approved accounts are FDIC insured up to $250,000 per depositor. One card is issued by Coastal Community Bank pursuant to licensing by Mastercard® International.

Join the millions of customers banking through One.

EARN UP TO 5% CASH BACK ON SELECT BRANDS†
Cash back can be earned through the One Rewards Program. See the One app for individual offer requirements. See hello.one.app/e/rewards-terms for terms.

3% CASH BACK AT WALMART‡
With eligible deposits, up to $50 every year.
To receive 3% cash back, eligible customers (at the time their purchase settles) must (a) have received $500 or more of eligible direct deposits in the previous month, or (b) have a total account balance of $5,000 or more. 3% cash back is limited to up to $50 per year and applies only to purchases made at U.S. Walmart locations and on Walmart.com. This promotion may not be combined with other One promotions that offer cash back on purchases at Walmart. See hello.one.app/e/promo-terms for terms.

NO MONTHLY FEES*
No monthly fees* or minimum balances.
For One Retail Cards purchased at an in-store retail location, a $5 One Retail Card Fee will be applied 15 days after purchase and then every month until you apply for a One account, are approved, and make an additional deposit.

SEND MONEY TO ANYONE — EASILY§
Send and receive money in seconds with One to One. Just search, select, and pay anyone.
Money sent through One to One can only be transferred to a One Deposit Account. If the recipient does not have an account, they must open one within 10 days of money being sent or it will be returned to the sender.

EARLY PAYʌ
Get paid up to 2 days early with direct deposit.
Direct deposit may be available up to 2 days in advance, but depends on when your employer sends paycheck data.

5.00% APY ON SAVINGSΔ
With eligible deposits up to $250,000. Plus, receive 1.00% APY on the rest of your Savings balances.
5.00% annual percentage yield (APY) applies to the primary Savings pocket and custom pockets of customers who either (i) received $500 or more of eligible direct deposits in the previous month or (ii) have a total daily account balance of $5,000 or more. Customers can also earn 5.00% APY on Pay Autosave and ONE@Work Save balances. In all instances 5.00% 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 9/28/2023, but may change at any time before or after account opening. Fees may reduce earnings on this account.

© Copyright 2024 One Finance, Inc. All third party products, names, logos, and brands are the trademarks or registered trademarks and property of their respective owners. Use of them herein is for identification purposes only and does not imply any ownership, affiliation, or endorsement. Additional terms may apply. To see full account and promotion terms and conditions, visit www.one.app/terms or call (855) 830-6200.   

Address:
P.O. BOX 513717 
Los Angeles, CA 90051

One – Mobile Banking App User Reviews
One – Mobile Banking Pros
One – Mobile Banking Cons
Is One – Mobile Banking legit?
Should I download One – Mobile Banking?
One – Mobile Banking Screenshots
Product details of One – Mobile Banking

One – Mobile Banking App User Reviews

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One – Mobile Banking Pros

✓ Very Good Mobile Banking AppThis is my first review on the App Store & felt like this was needed. One Finance deserves some more recognition as the UI & Customer Service is very top tier. The UI of the site, app, & design elements used on PDF’s, Logos, Transaction Logos, Debit Card, etc. really caught my attention as it’s designed very minimal & pleasant. The Auto Save pocket is 3% APY & is probably the most i’ve seen on the market. Save is sitting at 1% APY which is the usual norm. Good to have both pockets with different features & the ability to share pockets with others is very cool. Some people can be denied this bank so it is good to share pockets with people for business, family, or bills but peer to peer payments isn’t ideal. Check Deposits & Pay Anyone feature is all that this is missing & think it should be rolled out ASAP & be a high priority. Lastly if there was a way to send money instantly to any bank with Zelle or another friend who banks at One without sharing a pocket would definitely set this bank above 99% & consumers would agree with exactly what I’m saying..This Is Not A Paid Review!Version: 1.18.0

✓ I'll say 5/5I'm going to give One 5 stars because of their ability and willingness to quickly implement customer feedback. I love having each bill/merchant assigned its own pocket. It's perfect for fraud protection and to stop possible overdrafts if I'm double charged. The addition of virtual cards for every pocket is awesome. This set to allows me to budget down to the exact penny (a virtual cash envelope system). I adore my credit line. It is now higher than any of my credit card debt. Why is that awesome? As I pay off my credit card debt (woo!) I know I'll have a 0% loan and then 1% every month after (12% APR). That's HALF my credit card interest rates. No worries on the credit card debt. I'm on a debt free journey and my pocket set up with One has eliminated me from making extra swipes just because. I have a "Frivolous" pocket that gets funded after all my bill pockets are filled. What I'd love to see? More automation in the budget. I'd love to say these are my fixed expenses and One do the calculation for each payday contribution. I'd really love a Goals feature. "I need $15,000 by Dec 2023" and One calculate the amount per paycheck and set aside the funds. I'd also love more built in budget features like: how much am I spending on categories (pet, restaurant, automotive) Hopefully those things will come. That would truly make One the only bank, only ap, & only card in my wallet/phone..K EcholsVersion: 1.30.1

✓ One – Mobile Banking Positive Reviews

One – Mobile Banking Cons

✗ Use Another Neo-BankLong story short, if you want to use a bank that removes usable features in the name of “streamlining their service” then sure ONE Finance is for you… If you came to One looking for a bank that cares about its customers, communicating with them, and fulfilling the expectations they themselves set up, run away now, and quickly. The One CEO came to this FinTech’s subreddit a few months ago and told us that very little would change, and all the changes would benefit One’s customers. Instead of fulfilling their own expectations, they sold the company to WalMart and dropped the majority of its defining features other than being a basic, virtual bank. We lost the following features: 1. ⁠Create new Expense Pockets 2. ⁠Create virtual cards for those Pockets 3. ⁠Point our Debit Card to any Pocket 4. ⁠Modify Recurring Transfers 5. ⁠Share Pockets with anyone (Spouse, Children, Roommate, etc) 6. ⁠Share our Spend Pocket 7. ⁠Lock a pocket against ACH transactions 8. ⁠Virtually send payments to anyone 9. ⁠“Send a check” (we do not have physical checks) 10. ⁠Access our previous Credit Line In return, we get: 1. ⁠2% Cash Back (up to $50) at WalMart (and a few other places) 2. ⁠Deposit Cash at WalMart Clearly this did not benefit One’s customers. This benefitted the One CEO and WalMart. I can’t tell you which bank TO use, but I would advise any potential customers to carefully consider if they would trust their bank after making these barely-announced changes..αLpHα κ7Version: 2.0.1

✗ I need my money backSo I made an account and my check got sent to one and I was never able to sign in to one and keep in mind I called the help center Thursday and I called for about 3 hours trying to fix my account they said they were gonna send me a gmail about an update on my account but I had to wait 24 hours I waited the only gmail I got was on how my feedback was I called again and you guys told me you were gonna send me another gmail to wait 48hour I ended saying no to just close my account and refund me my money and you guys now said I have to wait 5days to get my money and I waited and I called today and it’s Monday and you guys said I needed to wait those 5 days and another 5days to get my check back to me this is the worst bank ever don’t ever sign up for one unless you want your money taken from them I needed to pay bills now I need to wait for one to send my money back you guys will be hearing from my lawyers like I said worst app ever..De la Rosa cruzVersion: 3.25.0

✗ One – Mobile Banking Negative Reviews

Is One – Mobile Banking legit?

✅ Yes. One – Mobile Banking is 100% legit to us. This conclusion was arrived at by running over 44,213 One – Mobile Banking user reviews through our NLP machine learning process to determine if users believe the app is legitimate or not. Based on this, AppSupports Legitimacy Score for One – Mobile Banking is 94.3/100.

Is One – Mobile Banking safe?

✅ Yes. One – Mobile Banking is quiet safe to use. This is based on our NLP analysis of over 44,213 user reviews sourced from the IOS appstore and the appstore cumulative rating of 4.7/5. AppSupports Safety Score for One – Mobile Banking is 94.8/100.