ONE – Mobile Banking 4+

Spend, Save & Grow Your Money

One Finance, Inc.

    • 4.7 • 19.2K Ratings
    • Free



One simple place to spend, save, and start earning cash back.

No monthly fee, no minimum balance. Download the app and create an account to start earning 2% cash back* and enjoy savings rates higher than the national average.^

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

• Get 2% cash back on all purchases at Walmart, gas stations, and drugstores for the first 12 months.*
• Earn 1.00% APY interest on savings balances, including card round-ups.^

• Get paid up to 2 days early.+
• Overdraft protection up to $200.**
• Boost your earning potential with 1.00% APY on savings balances up to $25,000.^

• Add your card to a digital wallet for secure, convenient, and touch-free payments.
• Instantly lock your card to prevent purchases.
• FDIC-insured up to $250,000 per depositor.
• Bank-level security and encryption.

*Earn 2% cash back, up to $50, on purchases at Walmart as well as gas and drugstore purchases for the first 12 months. Cash back paid when earned.

**With eligible direct deposits totaling at least $500 in the previous 31 days.

‡New customers can receive a $25 cash bonus with eligible direct deposits, totaling at least $500 in a 31-day period. Receive a $10 cash bonus after first purchase of $10 or more. Bonuses paid within 3 business days.

^Annual Percentage Yield effective as of 9/15/2022 and subject to change. 1.00% APY on balances up to $5,000 or $25,000 with eligible direct deposits totaling at least $500 in the previous 31 days. FDIC average National Deposit Rate for savings accounts as of 8/15/2022.

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

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

Banking services provided by Coastal Community Bank; Member FDIC. Deposits are insured up to $250,000 per depositor. ONE is a financial technology company, not a bank. The ONE card is issued by Coastal Community Bank pursuant to license by Mastercard International®.

What’s New

Version 2.0.1

A new look and more ways to grow your money! We've created a fresh look for ONE plus you can start earning 2% cash back when you use your ONE card at Walmart, gas stations, and drugstores.*

Ratings and Reviews

4.7 out of 5
19.2K Ratings

19.2K Ratings

smittybaby13 ,

Unique banking experience

I was a skeptic at first because I’m not someone who feels completely comfortable with online banking systems. However, one finance proved me wrong 100%, everything they advertise is completely true and I wasn’t sure how the non traditional joint account would function with my husband and I, but it works perfectly. We just share each other’s pockets and we have about 4-5 different pockets and I look forward to the budgeting tools they have to offer. They give a credit line of $10 which allows you to go under by that much for emergencies and they charge 12% interest on that if it’s not paid by the end of the month which they give you a count down on your account to remind you, love it! After a few paychecks you can ask for a higher limit but be aware of 12%, although they won’t charge the standard $35/6 fees in one day for overdraft, it can be pricey if you ask for too high of a credit limit with interest. They text you when you have transactions or get paid (opt in), I was surprised to get paid 2 days early, it was around 3pm but it was still processed to count as 2 days early! I was nervous too about switching the pockets related to the main card, but I always do it right after and switch it back, love love love. Lastly, they tell you it could take 14 business days (no weekends/holidays) for the card to arrive, we did this 4/22 & got it 4/30. Thank you one finance.

Itendtozoneout ,

One is better than Simple ever was.

I was a die-hard Simple user. I loved my bank, and it was easy for me to refer to Simple like someone would refer to an old friend - not a bank, where most of the things you have to say tend to be negative or anxiety producing. When it was announced that they were closing, it felt like my old friend was dying. Honestly, it cut WAY too deep! Simple helped me figure out my finances all the way back in college, and now, close to 10 years later, their closing seemed to hit at the worst possible time. (Not like there was a “good” time for your friend to die 🥲)
All of that said, I moved to One once it was announced Simple would close. They caught me with their FAQ page dedicated to Simple users, and honestly, they’ve improved the app in so many ways since I originally transitioned that I firmly believe that One is a better bank now than Simple was at the end of its life. My money feels effortless, the credit lines and credit score features are something Simple never offered, and my money is doing better than ever. My finances are doing better than ever. One took some user feedback from Simple users to add certain Simple-esque features but it didn’t lose its individuality in the process. It improved upon itself, and quickly, at that. It never became Simple, it became a better One Finance. Protect One at all costs, I never want to use another bank. ❤️

Jimmy A. S. ,

Amazing Alternative to Traditional Bank

I had a checking account with Wells Fargo. They eliminated all overdraft line of credit for all customers - new and current. One finance gave me a generous overdraft line of credit ($800) after about 2 months of consistent paycheck deposit. I received my paycheck a day early and so far I have not paid a single fees to One Finance (Unlike traditional banks such as Wells Fargo that charges you a fee every chance they get). The debit card works perfectly fine (and without any fees) at AllPoints ATMs. The “pocket” feature is super useful. You can easily categorize your money and expenses and keep them separate. The only downside of One finance is the lack of any physical branch. But if you are like me who doesn’t even remember the last time you needed to step into a bank branch, One Finance would be perfect. Also it is worth noting that their support seem to be outsourced but that it outweighed by other benefits you get. As One Finance marketshare grows, they might turn into a more traditional corporation with all the bads that come with it since the ultimate goal of any company is to make money. But until then, I’ll stick to One Finance for now. I transferred my savings to One Finance from Wells Fargo and the interests at so much better here. I will never go back to any big 4 bank again.

App Privacy

The developer, One Finance, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


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