OnePay – Mobile Banking

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 Products:

Cash

Cash+

Credit Builder Loan

Global Transfers

Builder Card

CashRewards Card

OnePay Later

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.

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

Cash back is earned as OnePay Points, redeemable as a deposit into a OnePay Cash account or other available options pursuant to the OnePay Rewards Terms at onepay.com/rewards-terms. To see terms and conditions relating to OnePay's products, visit onepay.com/terms. Individual reward details can be found in the OnePay app. For certain reward offers utilizing OnePay Credit Cards, and third-party cards linked in the OnePay Wallet, purchases must be made using the physical card.

Eligible deposits requirement met when your OnePay Cash account either (i) receives Direct Deposits totaling $500+ in the current or previous month or (i) had a balance of $5,000+ at the end of the previous month.

+Based on a 12 month loan with $25 monthly payments and a 0% APR. You can choose how much you’d like to pay towards your monthly payment, with a minimum of $1. If you choose an amount less than the full monthly payment, the remainder will be paid from the loan proceeds held in your Credit Builder Loan lockbox. 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. See onepay.com/legal/licenses. OnePay is not a credit repair service and does not remove negative credit history from your credit profile.

∞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 Cash account, or other available options.

++Currency exchange rates vary.

‡Only available to customers who unlock OnePay Cash+ with eligible deposits. You must select your cash back category in the OnePay app monthly and you begin earning on the date it is selected. Eligible purchases are based on MCC.

**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: onepay.com/overdraft-details.

◊Builder Card helps you build credit by reporting your Builder Card activity to the credit bureaus unless you opt out. Any changes to your credit score are independently determined and based on your overall financial behavior; results may vary and are not guaranteed. OnePay deposit account is required. If eligible, your spending power is based on your Spend balance. Transactions using your virtual debit card are not reported. See OneProgress Services LLC (NMLS ID 2460509) onepay.com/legal/licenses

^Direct deposit required. Funds availability may vary.