ONE - Mobile Banking 4.4.1

An app that provides comprehensive financial management tools, including saving, spending, and investment features.

Open a free account today without affecting your credit score.

ONE is a fintech company that offers banking services through Coastal Community Bank, a member of the FDIC. Approved accounts are insured by the FDIC for up to $250,000 per depositor. The ONE card is issued by Coastal Community Bank under a Mastercard® International license.

No Monthly Fees:

• No monthly fees or minimum balances.

Send Money to Friends:

• Instantly send and receive money with One to One. Easily search, select, and pay anyone with a ONE account.

A Better Gain Plan:

• Earn 5.00% APY on your Savings balances, with eligible deposits up to $250,000. Additionally, receive 1.00% APY on the rest of your savings balances.

3% Cash Back at Walmart:

• Earn 3% cash back at Walmart with eligible deposits, up to $50 per year. Terms and conditions apply.

Cash Rewards:

• Receive cash back for shopping at your favorite brands. Cash back is added directly to your savings.

Free Overdraft Protection:

• Get up to $200 in overdraft protection with eligible direct deposits.

Early Payday:

• Receive your paycheck up to 2 days early.

Add or Take Out Cash for Free:

• Use your ONE debit card at any Walmart cashier, MoneyCenter, or Customer Service desk with no fees.
• Utilize the in-app barcode to withdraw cash for free at any Walmart MoneyCenter or Customer Service desk when you have eligible direct deposits.
• Access over 55,000 Allpoint ATMs for free with eligible direct deposits.

*For ONE Retail Cards purchased in-store, a $5 fee will be applied 15 days after purchase and every month thereafter until you apply for a ONE account, get approved, and make an additional deposit.

^ The 5.00% annual percentage yield (APY) applies to the primary Savings pocket and custom pockets 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. For all instances, the 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 accurate as of September 28, 2023, but are subject to change at any time before or after account opening. Fees may reduce earnings on this account.

^^Based on the FDIC's National Deposit Rate for Savings as of July 17, 2023. Please visit the FDIC website for more information.

‡To receive 3% cash back, eligible customers must have received $500 or more of eligible direct deposits in the previous month or have a total account balance of $5,000 or more. Cash back is limited to $50 per year and applies only to purchases made at U.S. Walmart locations and on Walmart.com. This promotion cannot be combined with other ONE promotions that offer cash back on purchases at Walmart. Terms and conditions apply. Visit ONE.app/promo-terms for more details.

>Cash back can be earned through the Cash Rewards Program. Terms apply. Visit one.app/rewards for more information.

**To qualify for overdraft protection, you must have eligible direct deposits totaling at least $500 in the previous month. You must be 18 or older to receive overdraft protection. The overdraft balance is due immediately. Transactions eligible for overdraft protection are determined by ONE.

+Direct deposit availability may vary and depends on when your employer sends paycheck data.

***Barcode withdrawals are free with eligible direct deposits totaling at least $500 in the previous month; otherwise, a $3 fee per transaction applies. Debit card withdrawals are free at any Walmart MoneyCenter or Customer Service desk.

++Allpoint Network ATM transactions are fee-free for accounts with eligible direct deposits totaling at least $500 in the previous month. For all other ATM transactions, the ONE ATM Fee will apply, and third-party ATM fees may be incurred.

Additional terms and conditions may apply. For full account details and promotion terms, please visit www.one.app/terms or call (855) 830-6200.