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!

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.

So I open this account because it’s like you get $50 if you set up direct deposit and you have $500 in so my friend referred me because he was gonna get $100. I was gonna get $50. I downloaded it on Saturday they put a restriction on my account on Saturday. Tell me it would take 24 to 48 hours didn’t tell me I needed to submit any documents or anything I called Back on Monday ask him as my account restricted because I had put $66 into my account and when I restricted it I had access to my money so it is Monday. I called them and they tell me oh we’re sorry you have to wait 24 to 48 business dayswhich they never said on Saturday and I said oh we sent you an email as well so you can upload a photo ID and the face never did I receive any emails. I had to call back in five times speak to three different supervisors just to get somebody to send me the email before we got off the phone to make sure I received the email submitted the documents and now they’re still telling me I have to wait 24 to 48 hours and I don’t even care about the bonus I just dollars that I put on there so if I were you, I would stay far far away from this company. They have the worst customer service people from the Middle East and all they do is read off nobody provides any sort of customer service or any sort of solution. All they say is oh we understand how you feel it’s been sent to our internal team. Sorry there’s nothing we can do and then I have the audacity to hang on you

Nothing takes up unnecessary space more than a program that does one trick. So I was anxious to get same day pay from spark but I wasn’t invited into the one program. So after doing research I read about one program and I instantly created an account so I can be prepared when it’s available in my region. I didn’t have much choice considering there is no landing page options other than login and sign up. There is no faq page, no help center, no contact us, etc. almost instantly after creating my one account I receive a spark invite with instructions saying use the same login credentials as spark and the link in my email. I didn’t use my spark email for my one account and I used my phone number. So when I pressed the link it automatically integrated to an account I never opened. So I try and resolve the issue by asking customer service to delete my account so that I can go through the link and the integration can be effective. Initially customer service did not fully honor my request because when I tried to create a new account my phone number was still occupied. They then narrated the account is inactive but I can still login for statements. So I requested to delete my data in effort to free up my phone number. So it was done and yet I started getting rejected to create a new account. Customer service explained that at this moment they are unable to reinstate closed accounts and create new accounts for customers. How completely useless.