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Your financial wellness is our mission. Traditional banks haven’t caught up to the needs of today’s lives. We’re here to support your life, your goals, and your people. Simplify your life. One app. One card. One account.

Enjoy no fees, no minimums, high-yield saving, and an affordable line of credit. Save, spend, borrow, and share money with ease.

Every One Account Can:
• Use your One card as a debit card.
• Earn 1.00% APY* in your Save Pocket 
- up to $5,000.
• Activate a no-fee approved Credit Line
 for overdraft protection.
• Round up One card purchases to 3.00% APY* Auto-Save.
• Create and share unlimited free pockets.
• Use 55,000 fee-free Allpoint ATMs.
• Pay anyone with free ACH bank transfers.
• Contact world-class live customer service.

Earn More with Paycheck Direct Deposit
• Contribute up to 10% of paycheck direct deposits into 3.00% APY* Auto-Save Pocket. Up to $1,000/month.
• Earn 1.00%* APY in your Save Pocket up to $25,000.
• Increase your Credit Line up to the size of your paycheck (subject to approval).

Save automatically!
Easily save more with Auto-Save.

Card Auto-Save
Earn 3.00% APY* with card Auto-Save! Round up your One card purchases to the next dollar to automatically save. Earn an additional 1.00% APY* on your Save Pocket balances, too.

Paycheck Auto-Save
Auto-Save up to 10% of your direct deposit paycheck to earn 3.00% APY* up to $1,000/month. That’s in addition to 1.00% APY* for a Save Pocket.
No headaches. No paperwork.
Create and share Pockets with anyone around your life. Invite your people to a joint Pocket to manage money together.

*Annual Percentage Yield as of 9/1/2020 and subject to change.
Banking services are provided by Coastal Community Bank, Member FDIC.
One card issued by Coastal Community Bank, Member FDIC, pursuant to license by Mastercard International.

What’s New

Version 1.16.7

Introducing: Early Paycheck
Get paid earlier than co-workers. Access your paycheck direct deposit sooner with Early Paycheck. Pay your bills on time and do more with your money sooner.

- Link or unlink your external accounts. Menu > Details > Linked Accounts
- Minor bug fixes and performance improvements.
Thanks for using One!

Ratings and Reviews

4.8 out of 5
2.3K Ratings

2.3K Ratings

PrestoConrad ,

One of the best mobile banking experiences

I think One Finance would be one of the most popular banking choices if more knew about it. My experience with One is completely flawless, and I’m not exaggerating. From the quick on-boarding/application process, the speedy responsiveness (also genuine, friendly, professional & capable) you receive from their customer service team, the simplicity/sleek design both in the app AND on a desktop browser (invade its ever needed), a straight forward high Yield 1.0% SAVE account addition (with no limits and no fess anywhere ever), AND an automatic credit line that works kinda like an overdraft but costs NOTHING so long as you pay your money back before next statement period (and hence build your credit simultaneously), the list goes on. One Finance is hands down one of the best (if not THE best) mobile banking services/deposit account that I’ve had the privilege to have used since it’s “early access” / beta days, and with the fact they are still only new on the market, I’m excited to see what other great features will be released in the future. I’d humbly rate them to be a 6/5 stars if I could, as well as give my thanks to the makers of this gem! Thank you, One!!

Developer Response ,

We are thrilled that you have found One to be a 6/5, and even more so that you joined the journey with us to revolutionize the digital banking service experience! We have more exciting enhancements that are coming your way soon and hope you continue to find One exceeding your expectations. Thank you for sharing One with others and thank you for being one of our earliest customers! Cheers to you!

blackout23@4748 ,

Product review

Let me start off by saying wow this is one of the most amazing platforms I have ever used it’s simple and efficient. It really takes the hassle out of traditional banking it’s a great app and company the current banking industry is failing. Its time for a change by putting the users as the head of there financial goals and dreams. I had struggled with most banks saying they would do things and not delivering on those promises that is not the case with one finance. In fact they are the only ones so far that have actually delivered on what they say. I have received nothing but outstanding customer service from Courtney and anytime I had a question about switching to One she helped me every step of the way. As a person who really wanted a change of financial lifestyle I looked into One by coincidence and I’m glad I did download now you won’t be disappointed.

Developer Response ,

What a wonderful and thoughtful review! Thank you so much! We are very committed to being the all around best in class experience anyone could hope for in banking. Courtney, like the others on the team, is a big part of what makes us unique! We want to hire the best for the best (our customers!). That also extends into our Product and Engineering teams. World class! We're thrilled you are enjoying One and hope your family and friends, do as well.

raza_uddin ,

The most straight-forward, honest banking

Having tried every bank from Chase to Bank of America to Wells Fargo, and even small credit unions, One has clearly demonstrated value over all others in a very short time. Big banks are only concerned about profit, normally at the expense of their customers, so it is incredibly refreshing to see a bank being transparent with their products and services. Additionally, they go out of their way to make sure customers avoid late fees and overdrafts or being taken advantage of by hidden fees or costs. They are actively encouraging sustainable and responsible spending/saving behaviors. It is heartening to see a bank look after their customers. I can’t recommend them highly enough!

Developer Response ,

We’re thrilled to read this feedback! Thank you so much for choosing One and sharing your 5 star review.

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 Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers

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


One Finance, Inc.
78.3 MB

Requires iOS 11.3 or later. Compatible with iPhone, iPad, and iPod touch.



Age Rating


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