One – Mobile Banking 4+

Name: One – Mobile Banking
Rating: 4.8 (51662 reviews)
Author: One Finance, Inc.

One Finance, Inc.

- 4.8 • 5.2만개의 평가

- 무료

설명

One is a financial technology company, not a bank. Banking services provided by Coastal Community Bank, Member FDIC. Approved One Cash accounts are FDIC insured up to $250,000 per depositor. One card is issued by Coastal Community Bank pursuant to licensing by Mastercard® International.

±Only available to consumers who open an account through Walmart.com, the Walmart app, one.app, or the One app from 6/10/24 - 8/31/24. See terms for details.

*Sign up for first deal. Claim cash with a One Cash Account only. Deals expire. Terms apply.

†Cash back can be earned through the Debit Rewards Program. Individual offer details can be found in the One app. Terms apply.

‡To receive 3% cash back, eligible customers (at the time their purchase settles) must (a) have received $500 or more of eligible direct deposits in the previous month, or (b) have a total account balance of $5,000 or more. 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.

Δ5.00% annual percentage yield (APY) applies to the total Savings balance 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. Customers can also earn 5.00% APY on Pay Autosave and ONE@Work Save balances without these deposit or balance requirements. In all instances 5.00% APY is limited to a total Savings balance of up to $250,000. All other Savings balances will earn 1.00% APY. APYs are as of 4/17/2024, but may change at any time before or after account opening.

**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. See details.

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

+Use of the Credit Builder Program does not guarantee that your credit score will improve. Credit score improvement is dependent on your specific circumstances and a variety of factors, including your financial behavior. Failure to make monthly minimum payments on time may negatively impact your credit score. Credit Builder is available when you bank through One and have eligible direct deposits totaling at least $500 in the previous month. All Credit Builder Programs are subject to approval. OneProgress Services LLC, NMLS ID 2460509. See Licenses, for state disclosures.
One is not a credit repair service and does not remove negative credit history from your credit profile.
Based on a 12 month loan with $25 monthly payments and a 0% APR. You can choose how much you’d like to contribute towards your monthly payment, with a minimum of $1. If you choose an amount less than the full monthly payment, the remainder will be paid from the loan proceeds held in your Credit Builder lockbox.

◊The credit score provided by One is your VantageScore® 4.0 by TransUnion® and may not be the credit score model used by your lender. Lenders use a variety of different types of credit scores to make lending decisions.

∞Global transfers may not be available to all One customers.

© Copyright 2024 One Finance, Inc. All third party products, names, logos, and brands are the trademarks or registered trademarks and property of their respective owners. Use of them herein is for identification purposes only and does not imply any ownership, affiliation, or endorsement. Additional terms may apply. To see full account and promotion terms and conditions, visit www.one.app/terms or call (855) 830-6200.

P.O. BOX 513717
Los Angeles, CA 90051

2024년 7월 2일

버전 4.18.0

Bug fixes and performance improvements.

4.8/5

5.2만개의 평가

Pockets are neat

I’ve had this account for a few weeks. I’ve only used it for a few purchases. It takes 5 business days for transfers from other banks to show up. The auto-save feature that rounds up your change from your purchases happens the day after you make the purchase, not automatically when you make the purchase. Every single time I open the app, I have to enter my full email address in addition to my password. I like on Chime app where I just enter my pin to open the app. Entering this app takes a few steps, first I have to tell them I don’t want to enable Face ID log-in, every single time. Then tap “log in”. Then wait for the website to load to enter my full email address and password. There is no remembering my email or my preference to not use Face ID. This is a little annoying especially because I’m accessing the app frequently to see if my transfers have finalized. I did like that I was able to add a digital card to my virtual wallet as soon as I opened the acct. The physical card took 3 weeks to come in the mail.

Update: April 2022. Thank you for making logging in more simple! I love this app and service!

Takes 4-5 months for customer service to do anything

Sent them all the proof for an issue that happened where I paid for jewelry using their card, they said they were “investigating” when I had literally sent them all the proof I had never received the jewelry or anything but was charged. I contacted the jewelry company after they took over a week and showed them the issue that was happening and worked it out when I got no reply back from “ONE” other then “we are investigating”, they sent me back my refund right away. What took the “ONE” card 4 months took every other company 1 week. Every time I contact customer support it takes them 4-5 months to solve one small issue where I provided all the proof and there was an obvious error, they either tell me to figure it out myself or to get someone else to figure it out or they say “your issue got solved” cause I had fixed it after they didn’t reply to help me at all. I’m glad I deleted your app. I had one issue with a hotel where I got charged 2 times, and I had even sent proof of that, they took 4-5 months again to send me my refund with the same “we are investigating” when again I had showed them my booking, my one night stay and that I was charged for 2 rooms, that issue almost turned into a court case over this crappy customer service not being able to solve a simple problem of looking at the proof and seeing the error. I strongly suggest not using this card, they don’t care about their customers.

One trick

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.

We sincerely apologize for the troubles you're experiencing with the app. We'd be happy to take a look into this for you, please contact us at support@one.app. Thank you!