Love!!! The ONEPAY BANKING APP has been a great experience for me!!! You must have direct deposit of $500 or more to get the full experience of OnePay and you will get 3% cash back on Walmart purchases in the store/online too and cash advancements for emergency funds if needed after you have been with them for some time I think a year or maybe less can’t remember. And huge discount for AT&T cellular service/prepaid not sure as I have a plan with them already and don’t need it but for those who are using prepaid if huge discount as long as OnePay card is the payment method on the service set as autopay. And all of those benefits and all with monthly no fees! Or atm fees as long as you use in network atm or a fee will be charged for out of network atm so be sure that you are using a in network ATM and no fees are charged for any cash you need and savings account with 3.75% to and investment bitcoin/crypto currency in app with auto purchases with round ups or direct purchase too high yield on your purchases too. Hope this review will help people who are looking for an Awesome Banking Experience and many great benefits unlocked with direct deposit of $500 dollars or more. Win Win Win!!!!! Thanks OnePay/Coastal Community Bank! As OnePay is provided by this Bank and they are Awesome Too! And they need recognition and Thanks too! Bank and All Bank Employees as well for their Hard Work and Dedication to provide Onepay the best Banking Experience possible in my opinion out there. PERIOD!🤑❤️❤️❤️❤️❤️❤️❤️❤️❤️❤️❤️

I’ve used One for years and if you’re used to the ways of an online bank, it’s perfectly functional. Best part is no overdraft fees, which has saved me tons of money over the years when I simply need to move money around constantly. Only 3 times in the past few months did they have issues where I couldn’t use my card or make transactions for a whole day, which is a bit of a big issue but hasn’t happened before. I LOVE that I have separate pockets, I use one for my online spending, one for bills, etc. It helps to keep my spending organized and protected. However I am so annoyed at how the app keeps changing randomly and never for the better. Transferring money between pockets has gotten too complicated with extra steps and clicks. It’s used to be so simple about a year ago. It’s also more complicated now to simply see what’s in all your pockets (aka savings) vs your banking pocket (aka debit). I liked when the ability to check these was an icon button at the bottom of the app for quick clicking, but now you have to go into banking, then click back and forth between debit & savings and scroll down to view all your funds. This should just be the main function of the app to easily view your money/pockets all in one place. The Discover page is basically useless to me and I never use it, so it shouldn’t be one of the only 4 main buttons. I hope the app developers can take some of these notes! Every time they change the app it seems to only get more odd and less user friendly.

I originally opened the ONE account because I deliver for Spark in my spare time and they offered cash out after each successful delivery. I have not had any problems so far. My only two issues are 1) if a charge declines it will send a notification for amount declined but will not say who/what that charge was for. I have some subscriptions I’d like to cancel but it’s hard to catch them with this app. 2) $ off for Walmart purchases are nice but the deals always pop up after I’ve already made a purchase and almost NEVER before. They also don’t last very long at all and they only seem to be available if scanned in store and not on Walmart delivery. I do appreciate the 3% cash back however I believe the limit per year should be higher. They also offer 2-15% cash back on other stores. It’s easy to deposit/ withdraw $ at Walmart or visit any Allpoint ATM for free cash withdrawals. I like the 3.75% APY on savings. My husband also has ONE so it’s easy for us to send/receive funds for whatever reasons. Other great features include creating additional savings account. I have one that I put $ in just to make sure my credit card is auto drafted and paid on time and I have a 2nd one for all my actual $ savings. Let’s go beyond with more features including, overdraft protection, freeze card & round ups. I have not tried credit builder yet but I hope to soon. A few bumps in the road but overall a great experience so far.

I recently started driving with Spark and signed up for OnePay for instant payment deposits. I’ve only been using the app for a few weeks, so I can’t speak to many of the money saving features yet. I do have the round up feature that deposits the change from a purchase into the savings account automatically and I find that really nice. Overall it’s just been smooth and I’ve had zero hassles using the card. Today I got an email to follow OP on their socials, so I popped over to instagram and checked out their profile. The first pinned post features (why do I keep saying that word?!) a new limited edition glitter card that is only available while supplies last. The post was already old so I figured I’d be too late to get one, but I commented anyway. WELL! Awesome Alem (👏🏼) dm’d me back super quickly to get my deets for where to send my new glitter card! This brought the biggest smile to my face so I DM’d to let them know and say thanks for brightening my day. Y’all! Alem so kindly sent me a gift to my OP account as a ‘welcome to the family’ and I’m cryinggg!! 😭 They were so, so sweet to make such a kind gesture, it completely made my day!! Kind people are out there, sprinkling strangers with love to remind to not be so cynical! Biggest shoutout to Alem, you’re a true gem, you made my day SPARKlier ✨ OnePay is lucky to have you!