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An app that helps you save, spend, and grow your money – all in one place.

Open an account for free today – with no impact to your credit score.

Banking services and ONE card provided by Coastal Community Bank, Member FDIC, under license by Mastercard® International. Deposits are insured up to $250,000 per depositor.

NO MONTHLY FEES
• No monthly fees* or minimum balances.

A BETTER GAIN PLAN
• Earn 5.00% APY on your Savings balances, with eligible deposits up to $100,000. Plus, receive 1.00% APY on the rest of your savings balances.^

3% CASH BACK AT WALMART
• Earn 3% cash back at Walmart with eligible deposits, up to $50 a year. Terms apply.‡

CASH REWARDS
• Earn cash back for shopping at some of your favorite brands. Cash back is added to your savings automatically. No activation, no coupons, no hassle.>

FREE OVERDRAFT PROTECTION
• Up to $200 with eligible direct deposits**

WHAT’S BETTER THAN PAYDAY? EARLY PAYDAY.
• Get your paycheck up to 2 days early.+

ADD OR TAKE OUT CASH FOR FREE
• Use your ONE debit card at any Walmart cashier, MoneyCenter, or Customer Service desk with no fees.
• Use your in-app barcode to take out cash for free at any Walmart MoneyCenter or Customer Service desk when you have eligible direct deposits.***
• Use 55,000+ Allpoint ATMs for free with eligible direct deposits.++

*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.

^ 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. 5.00% APY also applies to Pay Autosave and Even Save balances. In all instances 5.00% APY is limited to a total Savings balance up to $100,000.

All other Savings balances will earn 1.00% APY. APYs are as of 6/14/2023, but may change at any time before or after account opening. Fees may reduce earnings on this account.

^^Based on the FDIC's National Deposit Rate for Savings as of May 15, 2023. See FDIC website for more information.

‡To receive 3% cash back, eligible customers must (a) be a Direct Deposit Customer or (b) have a total account balance of $5,000 or more at the time their purchase settles. 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. Terms apply. See ONE.app/terms.

>Cash back can be earned through the Cash Rewards Program. Terms apply. See one.app/rewards.

**With eligible direct deposits totaling at least $500 in the previous month. Must be 18 or older to receive overdraft protection. Overdraft balance is due right away. Transactions eligible for overdraft protection are determined by ONE.

+Direct deposit may be available up to 2 days in advance, but depends on when the employer sends paycheck data.

***Barcode withdrawals are free with eligible direct deposits totaling at least $500 in the previous month, otherwise a $3 fee per transaction applies. Debit card withdrawals are free at any Walmart Money Center or Customer Service desk.

++Allpoint Network ATM transactions are fee-free for accounts with eligible direct deposits totaling at least $500 in the previous month, otherwise a $3 fee will apply. Transactions at ATMs outside of the Allpoint Network are subject to fees.

Additional terms may apply. To see full account and promotion terms and conditions, visit www.one.app/terms or call (855) 830-6200.

ONE is a financial technology company, not a bank.