Banking that builds credit with every swipe.
Send, pay, spend, and borrow—plus build credit and earn cash back and rewards. Because better money makes life better.
About OnePay
OnePay is a financial technology company that offers financial products and services through the OnePay app, including banking through OnePay, debit card access, Wallet, Credit Score, Credit Builder, invest and crypto, rewards, and other money management features. OnePay is not a bank. Alongside its expanding consumer offering, OnePay also partners with employers, HCM providers, gig platforms, and others to deliver embedded financial services to millions of employees and frontline workers.
OnePay lets customers manage money and access eligible financial features in the OnePay app. When banking through OnePay, customers have a deposit account with Checking and Savings sections. Funds are held by OnePay’s banking partners, while OnePay services the account and provides app-based tools for spending, saving, transfers, rewards, account management, and more.
No, OnePay is not a bank.
OnePay partners with Coastal Community Bank and Lead Bank, Members FDIC, to provide banking services. Depending on the account, funds may be held at Coastal Community Bank or Lead Bank. OnePay services the account and provides customer support.
OnePay is backed by Walmart and Ribbit Capital.
OnePay uses security tools designed to help protect customer accounts, including 256-bit AES encryption, multi-factor authentication, login risk analysis, notifications, and biometric login options where available. Approved deposit accounts may also be eligible for FDIC pass-through insurance through Coastal Community Bank or Lead Bank, Members FDIC, if certain conditions are met. FDIC insurance applies to the failure of an FDIC-insured bank, not OnePay.
OnePay and Walmart
OnePay is a financial technology company backed by Walmart, designed to help people manage their money, build credit, and access financial tools. While OnePay offers benefits that are integrated with the Walmart ecosystem—including products available through Walmart stores and Walmart.com—it isn't limited to Walmart customers.
Yes, OnePay products can be used beyond Walmart. For example, the OnePay Builder Card and OnePay CashRewards1 Card can be used anywhere Mastercard is accepted.
Using OnePay
OnePay offers both the Builder Card, which functions as a debit card and allows you to build credit with every purchase2, as well as an unsecured credit card known as the OnePay CashRewards Card.
Yes, OnePay offers overdraft protection with eligible deposits to help cover you when your balance runs short. Eligible members can be covered for qualifying transactions that exceed their available balance, so you're not left in a tough spot at checkout.3
OnePay does not currently support Zelle. However, you can send and receive money directly through the OnePay app, making it easy to split bills, pay friends, or transfer funds without needing a third-party service.
OnePay will post your direct deposit as soon as we receive it, up to two days early4, based on when we receive the funds from your employer or the other sender. The timing of your deposit depends on when the sender initiates the payment to your OnePay account, which means that your direct deposit may not arrive early every paycheck. Direct deposits are posted Monday through Friday, excluding federal holidays. OnePay does not have insight into where your direct deposit may be in this process until we post it to your account.
Yes, OnePay is free to use. There are no monthly fees, no minimum balance requirements, and no hidden charges to open or maintain your account.