Last Updated: 03/18/2026
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Highlights
Welcome Offer
Cashback Rewards
APY (Annual Percentage Yield)
Monthly Service Fee
OnePay Cash Review
Key Takeaways
- 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. OnePay does not provide tax advice or tax services. Tax e-file services through OnePay are provided by April Tax Solutions Inc. ("april). april supports the filing of federal, state, and certain local taxes. You should consult a qualified tax professional for questions about your specific circumstances.
- Credit Builder Loan. Get your credit score, with no fees. Plus Credit Builder Loan with zero fees or interest, with eligible deposits. Available 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.
- 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 - 4/30/26. Cash back earned as OnePay Points. See terms at onepay.com/10percent.
- Tax season benefits: 100% free filing when you file through the OnePay app - no hidden fees. And get your refund up to 5 days early when you direct deposit into OnePay Cash. Tax refunds may be available up to 5 days in advance of the scheduled payment day, but access to funds depends on when payer sends refund data and timing of your refund is not guaranteed.
- Up to 3.35% annual percentage yield (APY). This account offers an annual percentage yield of up to 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 Cash 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 10/7/2025, but may change at any time before or after account opening. Data last verified on 10/17/2025.
- 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 Cash does not charge fees on ATM transactions within its network but there is a fee of $3.00 for out-of-network ATM transactions . Fee-free access to Allpoint Network for ATM withdrawals to over 55,000 ATMs worldwide. No ATM fees 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 ATM transactions the OnePay ATM 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 Cash Pros & Cons
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OnePay Cash 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 Cash offer?
What are the account minimums for OnePay Cash?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does OnePay Cash charge?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service 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 Cash charge overdraft fees?
No, OnePay Cash does not charge overdraft fees.What features and perks does OnePay Cash offer?
- $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 Cash allows you to manage your money online or with a mobile app. This includes depositing checks1 in your account with a mobile app on your smartphone.
- Nationwide ATM network - Fee-free access to Allpoint Network for ATM withdrawals to over 55,000 ATMs worldwide. No ATM fees 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 ATM transactions the OnePay ATM Fee will apply and third-party ATM fees may be incurred.
OnePay Cash Disclosure: * Disclaimer: 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.
1.) Get 3% cash back on Walmart, gas, or dining on up to $150 spent per month, with eligible deposits. Only available to customers who either (i) received $500+ in direct deposits or (ii) had a total balance of $5,000+ at the end of the previous month. Cash back is earned as OnePay Points, redeemable into a OnePay deposit account or other available options. You must select your cash back category in the OnePay app monthly and you begin earning on the date it is selected. Eligible purchases are based on MCC. See terms at onepay.com/rewards-terms.
2.) 10% Cash Back at Walmart Disclaimer: Only available to customers who initiate their account application through certain channels from 3/21/25 - 4/30/26. Cash back earned as OnePay Points. See terms at onepay.com/10percent.
3.) 3.35% APY Disclaimer:
3.35% annual percentage yield (APY) applies to the Savings balance of OnePay Cash 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 10/17/2025, but may change at any time before or after account opening.
4.) Credit Builder Loan Disclaimer:
Available 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.
5.) ATM Fees Disclaimer:
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 ATM transactions the OnePay ATM Fee will apply and third-party ATM fees may be incurred.
6.) Bill Pay Disclaimer:
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.
7.) Fee-free overdraft protection disclaimer:
Available 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. 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 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.
View OnePay Cash's published terms & conditions
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