About OnePay
A financial technology platform offering mobile banking, high-yield savings, credit building loans, and investment tools. It provides integrated financial wellness solutions for individuals and enterprise workforce benefits.
OnePay is a comprehensive financial technology platform that integrates banking, credit building, investing, and workforce financial wellness tools into a single mobile application. Designed for both individual consumers and enterprise employers, the platform offers a suite of services including high-yield savings accounts, secured credit builder loans, and early paycheck access. Its enterprise-focused 'ONE@Work' solution allows employers to provide financial wellness benefits such as earned wage access and early paydays to their workforce. The platform is noted for its lack of monthly or overdraft fees and its integration with major retailers like Walmart for cash services and rewards. While OnePay provides a robust set of tools for personal finance management and credit building, it is important to note that it is a financial technology company rather than a bank, with banking services provided by partner institutions like Coastal Community Bank and Lead Bank.
Pros & Cons
- +Offers high-yield savings with competitive APY on balances up to $250,000.
- +Provides fee-free credit building tools with no interest or monthly fees.
- +Enables early access to direct deposits for faster paycheck availability.
- +Integrates seamlessly with Walmart for in-store cash services and exclusive rewards.
- +Supports financial wellness for employees through enterprise-grade earned wage access.
- −Investment products are not FDIC insured and carry the risk of loss of principal.
- −Credit builder program eligibility requires specific direct deposit or balance thresholds.
- −Cash back rewards are subject to monthly spend caps and category selection requirements.
- −Availability of certain features like earned wage access depends on employer enablement.
Features
Key features
- Credit Builder Loan
- Helps users build credit history with no fees or interest.
- High-Yield Savings
- Offers 3.35% APY on savings balances up to $250,000 with eligible deposits.
- Early Pay
- Provides access to direct deposit funds up to 2 days faster.
- CashRewards Card
- Earns unlimited cash back on purchases, including specific categories like Walmart, gas, or dining.
- Investment Tools
- Allows users to step into the stock market with as little as $1.
- Crypto Trading
- Enables buying, selling, and tracking of cryptocurrency directly in the app.
Additional features
- Fee-Free Overdraft
- Provides up to $200 in fee-free overdraft protection with Banking+.
- Savings Backup
- Automatically protects against overdrafts using savings balances.
- Pay Autosave
- Automatically sets aside a percentage or dollar amount of each direct deposit into savings.
- Global Transfers
- Facilitates international money transfers to over 140 countries.
- One to One
- Allows free peer-to-peer money transfers between OnePay users.
- Credit Score Monitoring
- Provides free weekly credit score updates.
- Tax Filing
- Offers free tax filing services for banking customers.
- Earned Wage Access
- Allows employees to access paycheck earnings before payday through payroll integration.
- In-Store Deposits
- Enables cash deposits and withdrawals at Walmart locations.
Pricing
Countries & Languages
Interface languages
Billing currencies
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About OnePay
A financial technology platform offering mobile banking, high-yield savings, credit building loans, and investment tools. It provides integrated financial wellness solutions for individuals and enterprise workforce benefits.
OnePay Details
OnePay's In-App Market Place
Does OnePay have an in-app market place?
Yes
How many Mini-Apps in the marketplace?
4
Mini Apps
1. OnePay Mobile App - A mobile application that allows users to access their OnePay account on-the-go
for convenient managing and processing of accounts payable.
2. OnePay POS Integration - A plugin that seamlessly integrates OnePay accounts payable functionalities into point of sale systems
providing a comprehensive solution for businesses to manage their financial transactions in one place.
Pricing Options
Accepted Payment Currencies
USD ($), EUR (€), GBP (£), AUD (A$), CAD (C$), JPY (¥), CNY (¥), INR (₹), CHF (CHF), SGD (S$), HKD (HK$), SEK (kr), NZD (NZ$), KRW (₩), ZAR (R), BRL (R$), RUB (₽)
Pros & Cons
- Offers high-yield savings with competitive APY on balances up to $250,000.
- Provides fee-free credit building tools with no interest or monthly fees.
- Enables early access to direct deposits for faster paycheck availability.
- Integrates seamlessly with Walmart for in-store cash services and exclusive rewards.
- Supports financial wellness for employees through enterprise-grade earned wage access.
- Investment products are not FDIC insured and carry the risk of loss of principal.
- Credit builder program eligibility requires specific direct deposit or balance thresholds.
- Cash back rewards are subject to monthly spend caps and category selection requirements.
- Availability of certain features like earned wage access depends on employer enablement.
OnePay's Support Options
Email Address
press@onepay.comContact
(855) 830-6200Documentation
https://onepay.com/documentationCommunity Forums
https://community.onepay.com/Live Chat
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