OnePay – Mobile Banking

OnePay Products Wallet Earn OnePay Points when you shop at Walmart Cash Early pay​​, OnePay Rewards, no monthly fees Cash+ Earn interest with high-yield Savings CashRewards Card Earn unlimited 3% cash back at Walmart, or 5% cash back at Walmart with Walmart+.​ All with zero annual fee Wireless $35 per month (plus taxes & fees, 30 day plan), includes unlimited talk & text, and unlimited 5G data on AT&T’s nationwide network Credit Builder Loan Build credit history with no fees for just $1/month OnePay Later Buy now, pay later at Walmart OnePay is a financial technology company, not a bank. Banking services provided by Coastal Community Bank or Lead Bank, Members FDIC. The OnePay CashRewards Mastercard is issued by Synchrony Bank pursuant to a license from Mastercard® International Incorporated. 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. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. To see terms and conditions relating to OnePay's products, visit www.onepay.com/terms Eligible deposits requirement met when your OnePay Cash account either (i) receives Direct Deposits totaling $500+ in the current or previous month or (i) had a balance of $5,000+ at the end of the previous month. ‡ Cash back 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 OnePay.com/rewards-terms **Must be 18 or older. When on, Savings Backup will be used before Fee-Free Overdraft. Overdraft balance is due right away. Eligible transactions are at the discretion of OnePay and may exclude certain transactions (e.g., bill pay, global transfers). See details at onepay.com/overdraft-details. +Based on a 12 month loan with $25 monthly payments and a 0% APR. You can choose how much you’d like to pay 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. 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. See onepay.com/legal/licenses. †Cash back is earned as OnePay Points, redeemable as a deposit into a OnePay Cash account pursuant to the OnePay Rewards Terms. Individual reward details can be found in the OnePay app. ∞Subject to credit approval. Cash back is earned as points on purchases made with your OnePay CashRewards Mastercard, which can be redeemed as a statement credit or as a deposit into a OnePay Cash account. ʌʌOffer is valid for new accounts only and may only be applied once. Cash back is earned as points, which can be redeemed as a statement credit or as a deposit into a OnePay Cash Account. See onepay.com/rewards-terms. for details. Limited time offer. We reserve the right to change or discontinue this offer at any time. ʌDirect deposit required. Funds availability may vary depending on when your employer sends paycheck data. ++Currency exchange rates vary. ◇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 onepay.com/legal/licenses © Copyright 2026 One Finance, Inc.