Is OnePay the right fit for you?
Last Updated: 06/27/2026
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Highlights
Welcome Offer
Up to $20(Verified 06/18/2026)
Rewards
Up to 3%
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APY (Annual Percentage Yield)
Up to 3.35%(Verified 06/18/2026)
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Monthly Maintenance Fee
$0(Verified 06/18/2026)
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OnePay Review
OnePay is a financial technology company, not a bank. Builder Cards through OneProgress Services LLC (NMLS ID 2460509) are issued by banking partners Coastal Community Bank or Lead Bank, Members FDIC, pursuant to a license by Mastercard® International Incorporated. OnePay Cash is available in all 50 states, plus US territories, and Washington, DC.
Key Takeaways
- OnePay is a financial technology company, not a bank. Builder Cards through OneProgress Services LLC (NMLS ID 2460509) are issued by banking partners Coastal Community Bank or Lead Bank, Members FDIC, pursuant to a license by Mastercard® International Incorporated.
- Earn 10% cash back on your first Walmart purchase made within your first month, on up to $200 spent. Only available to customers who initiate their account application through certain channels from 3/21/25 - 9/30/26. Cash back earned as OnePay Points. See terms at onepay.com/10percent.
- Builder Card: You can build credit with every swipe. Builder Card is designed to help you build credit by reporting your Builder Card activity to TransUnion, Experian, and Equifax, unless you opt out. Any changes to your credit score are independently determined and based on your overall financial behavior. Results may vary and are not guaranteed. Transactions using your virtual debit card are not reported. See Licenses: https://www.onepay.com/legal/licenses.
- Up to 3.35% annual percentage yield (APY) This account offers an annual percentage yield of 3.35%, which is much higher than the average for the checking accounts that we track. 3.35% annual percentage yield (APY) applies to the Savings balance of OnePay deposit accounts that have either (i) received $500+ of Direct Deposits in the current or previous month or (ii) have a balance of $5,000+ at the end of the previous month. 3.35% APY is also earned on Pay Autosave balances without deposit or balance requirements. 3.35% 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 5/13/2026, but may change at any time before or after account opening.
- No monthly maintenance fees. This account does not charge any monthly account fees.
- No minimum initial deposit. There is no minimum balance required to open an account online.
- No ATM fees. OnePay does not charge fees on ATM transactions within its network but there is a fee of $3.00 for out-of-network ATM transactions . No ATM fees at 55,000+ Allpoint ATMs worldwide. For all other ATM transactions, the Cash Out fee will apply and third-party ATM fees may be incurred.
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in OnePay mobile or online banking. Only applies to OnePay Cash accounts that have either (i) received Direct Deposits totaling $500+ in the current or previous month, or (ii) have a balance of $5,000+ at the end of the previous month. For all other accounts the $3 Bill Pay Fee applies for each bill paid.
OnePay Pros & Cons
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OnePay FAQ
Are checking accounts from OnePay federally insured?
Yes, your deposits are insured by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government. OnePay is a financial technology company, not a bank. Loans through OneProgress Services LLC (NMLS ID 2460509) and banking services through OnePay are provided by Coastal Community Bank or Lead Bank, Members FDIC.What APY does OnePay offer?
OnePay offers an APY up to 3.35% (APY stands for annual percentage yield, rates may change).
Up to 3.35% annual percentage yield (APY): This account offers an annual percentage yield of 3.35%, which is much higher than the average for the checking accounts that we track. 3.35% annual percentage yield (APY) applies to the Savings balance of OnePay deposit accounts that have either (i) received $500+ of Direct Deposits in the current or previous month or (ii) have a balance of $5,000+ at the end of the previous month. 3.35% APY is also earned on Pay Autosave balances without deposit or balance requirements. 3.35% 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 5/13/2026, but may change at any time before or after account opening.What are the account minimums for OnePay?
OnePay does not require a minimum initial deposit.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does OnePay charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Maintenance Fee | $0 (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | $0 - $3 (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | $3.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | $0 - $3 (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does OnePay charge overdraft fees?
No, OnePay does not charge overdraft fees.What features and perks does OnePay offer?
This account includes the following features:
- $20 Bonus offer. Open a new account and you can get up to $20 (see terms and conditions for more details).
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account. Only applies to OnePay Cash accounts that have either (i) received Direct Deposits totaling $500+ in the current or previous month, or (ii) have a balance of $5,000+ at the end of the previous month. For all other accounts the $3 Bill Pay Fee applies for each bill paid.
- Mobile Banking Services - OnePay allows you to manage your money online or with a mobile app. This includes depositing checks* in your account with a mobile app on your smartphone.
- Nationwide ATM network - No ATM fees at 55,000+ Allpoint ATMs worldwide. For all other ATM transactions, the Cash Out fee will apply and third-party ATM fees may be incurred.
OnePay Disclosure: * Disclaimer: OnePay is a financial technology company, not a bank. Builder Cards through OneProgress Services LLC (NMLS ID 2460509) are issued by banking partners Coastal Community Bank or Lead Bank, Members FDIC, pursuant to a license by Mastercard® International Incorporated.
Earn up to $350 cash back with direct deposits: Sign up to bank through OnePay with a SuperMoney link through 8/31. Bonus Term: July 1, 2026 - August 31, 2026. This Bonus (as defined below) is only available to new customers who open a OnePay deposit account through a link on one of the websites or apps listed in the full terms. Your period to participate in the Bonus starts on the first day of the month after you open your OnePay deposit account and runs for two consecutive calendar months (“Starter Bonus Term”). For example, if you open your account on May 20, your Starter Bonus Term runs from June 1 through July 31. Cash back is earned as OnePay Points, redeemable as a deposit into a OnePay deposit account or other available options pursuant to the OnePay Rewards Terms (onepay.com/rewards-terms). It is not transferable and is limited to one per customer. Eligible customers must receive at least $500 in Direct Deposits in both months of their Starter Bonus Term to earn any cash back. The actual amount of cash back earned is based on the Direct Deposits received in each month of their Starter Bonus Term. See terms at https://hello.one.app/350AffiliateDDTieredBonus71startdate611. 1.) 3% Cash Back at Walmart Disclaimer: Cash back is earned as OnePay Points, redeemable into a OnePay account or other available options. Customers can choose to earn on gas instead of at Walmart. Spend cap applies to your total spend across the cash back categories you selected during the month. See terms at onepay.com/rewards-terms. 2.) Earn 10% cash back on your first Walmart purchase made within your first month, on up to $200 spent. Only available to customers who initiate their account application through certain channels from 3/21/25 - 9/30/26. Cash back earned as OnePay Points. See terms at onepay.com/10percent. 3.) 3.35% annual percentage yield (APY) applies to the Savings balance of OnePay deposit accounts that have either (i) received $500+ of Direct Deposits in the current or previous month or (ii) have a balance of $5,000+ at the end of the previous month. 3.35% APY is also earned on Pay Autosave balances without deposit or balance requirements. 3.35% 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 5/13/2026, but may change at any time before or after account opening.
4.) Credit Builder Loan Disclaimer: Available to OnePay accounts that have either (i) received Direct Deposits totaling $500+ in the current or previous month, or (ii) have a balance of $5,000+ at the end of the previous month.
5.) ATM Fees Disclaimer: Only applies to OnePay accounts that have either (i) received Direct Deposits totaling $500+ in the current or previous month, or (ii) have a balance of $5,000+ at the end of the previous month. For all other ATM transactions the OnePay ATM Fee will apply and third-party ATM fees may be incurred.
6.) Bill Pay Disclaimer: Only applies to OnePay deposit accounts that have either (i) received Direct Deposits totaling $500+ in the current or previous month, or (ii) have a balance of $5,000+ at the end of the previous month. For all other accounts the $3 Bill Pay Fee applies for each bill paid.
7.) Fee-free overdraft protection disclaimer: Available to OnePay accounts that have either (i) received Direct Deposits totaling $500+ in the current or previous month, or (ii) have a balance of $5,000+ at the end of the previous month. You must be 18 or older to receive Overdraft Protection. When on, Savings Backup will be used before Overdraft Protection. Overdraft balance is due right away. Transactions eligible for Overdraft Protection are at the discretion of OnePay and may exclude certain transactions (e.g., bill pay, global transfers). See details: https://www.onepay.com/help-center/articles/savings-backup-and-overdraft-protection.
8.) Early Pay Disclaimer: Direct Deposit is required. Funds may be available up to 2 days in advance, depending on when your employer sends paycheck data 9) Check Deposit Disclaimer. Available to OnePay accounts that have either (i) received Direct Deposits totaling $500+ in the current or previous month, or (ii) have a balance of $5,000+ at the end of the previous month.
Earn up to $350 cash back with direct deposits: Sign up to bank through OnePay with a SuperMoney link through 8/31. Bonus Term: July 1, 2026 - August 31, 2026. This Bonus (as defined below) is only available to new customers who open a OnePay deposit account through a link on one of the websites or apps listed in the full terms. Your period to participate in the Bonus starts on the first day of the month after you open your OnePay deposit account and runs for two consecutive calendar months (“Starter Bonus Term”). For example, if you open your account on May 20, your Starter Bonus Term runs from June 1 through July 31. Cash back is earned as OnePay Points, redeemable as a deposit into a OnePay deposit account or other available options pursuant to the OnePay Rewards Terms (onepay.com/rewards-terms). It is not transferable and is limited to one per customer. Eligible customers must receive at least $500 in Direct Deposits in both months of their Starter Bonus Term to earn any cash back. The actual amount of cash back earned is based on the Direct Deposits received in each month of their Starter Bonus Term. See terms at https://hello.one.app/350AffiliateDDTieredBonus71startdate611. 1.) 3% Cash Back at Walmart Disclaimer: Cash back is earned as OnePay Points, redeemable into a OnePay account or other available options. Customers can choose to earn on gas instead of at Walmart. Spend cap applies to your total spend across the cash back categories you selected during the month. See terms at onepay.com/rewards-terms. 2.) Earn 10% cash back on your first Walmart purchase made within your first month, on up to $200 spent. Only available to customers who initiate their account application through certain channels from 3/21/25 - 9/30/26. Cash back earned as OnePay Points. See terms at onepay.com/10percent. 3.) 3.35% annual percentage yield (APY) applies to the Savings balance of OnePay deposit accounts that have either (i) received $500+ of Direct Deposits in the current or previous month or (ii) have a balance of $5,000+ at the end of the previous month. 3.35% APY is also earned on Pay Autosave balances without deposit or balance requirements. 3.35% 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 5/13/2026, but may change at any time before or after account opening.
4.) Credit Builder Loan Disclaimer: Available to OnePay accounts that have either (i) received Direct Deposits totaling $500+ in the current or previous month, or (ii) have a balance of $5,000+ at the end of the previous month.
5.) ATM Fees Disclaimer: Only applies to OnePay accounts that have either (i) received Direct Deposits totaling $500+ in the current or previous month, or (ii) have a balance of $5,000+ at the end of the previous month. For all other ATM transactions the OnePay ATM Fee will apply and third-party ATM fees may be incurred.
6.) Bill Pay Disclaimer: Only applies to OnePay deposit accounts that have either (i) received Direct Deposits totaling $500+ in the current or previous month, or (ii) have a balance of $5,000+ at the end of the previous month. For all other accounts the $3 Bill Pay Fee applies for each bill paid.
7.) Fee-free overdraft protection disclaimer: Available to OnePay accounts that have either (i) received Direct Deposits totaling $500+ in the current or previous month, or (ii) have a balance of $5,000+ at the end of the previous month. You must be 18 or older to receive Overdraft Protection. When on, Savings Backup will be used before Overdraft Protection. Overdraft balance is due right away. Transactions eligible for Overdraft Protection are at the discretion of OnePay and may exclude certain transactions (e.g., bill pay, global transfers). See details: https://www.onepay.com/help-center/articles/savings-backup-and-overdraft-protection.
8.) Early Pay Disclaimer: Direct Deposit is required. Funds may be available up to 2 days in advance, depending on when your employer sends paycheck data 9) Check Deposit Disclaimer. Available to OnePay accounts that have either (i) received Direct Deposits totaling $500+ in the current or previous month, or (ii) have a balance of $5,000+ at the end of the previous month.
View OnePay's published terms & conditions
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday9:00AM - 9:00PMMonday9:00AM - 9:00PMTuesday9:00AM - 9:00PMWednesday9:00AM - 9:00PMThursday9:00AM - 9:00PMFriday9:00AM - 9:00PMSaturday9:00AM - 9:00PM
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SuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
+100
-1000+100
No one recommends
Everyone recommends
OnePay Community Reviews
Would you recommend OnePay to your friends?
DD
Douglas D.
May 21, 2026
May or may not recommend
This financial company has a lot to offer for a new account holder who needs to build their banking and credit history.
U
Anonymous
Apr 6, 2026
May or may not recommend
Cause yall are willing to help
Me when I really need it
U
Anonymous
Mar 9, 2026
May or may not recommend
I was able to sign-up for an account with no problem. It would definitely benefit me to have multiple checking accounts so I can save money for unforseen circumstances. I appreciate this as a resource for me to store extra cash.
There are options for me to invest into cryptocurrency and other options in regards to sending money to friends. I would tell anyone to invest into this platform!
U
Anonymous
Feb 19, 2026
May or may not recommend
Ambetters offering only the best and one pay is very accommodating
Showing 4 of 4 reviews
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