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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. OnePay Debit Card is 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 is earned as OnePay Points, redeemable into a OnePay Cash account or other available options. Only available to customers who unlock OnePay Cash+ with eligible deposits. Spend cap applies to your total spend across the cash back categories you selected during the month. 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.

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