Earn 3% cash
back on dining¹
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 Cash 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. Customers can choose to earn at Walmart, on gas, or on dining. Eligible purchases are based on MCC. See OnePay Rewards Terms
Eating out just got more rewarding. Choose dining as your monthly cash back category and earn 3% back at restaurants nationwide.
Here's how it works
Step 1
Open a OnePay account and meet the eligible deposits requirement
Step 2
Choose dining as your cash back category and start spending
Step 3
Watch your points come in and redeem for cash back!
New Customer Offer: 10% Back
made within the first month.2 See terms. Cash back earned as points.
There’s more to love about OnePay
3.35% APY on Savings3
With eligible deposits, on Savings balances up to $250,000.
Get paid up to 2 days early4
When you receive your paychecks through Direct Deposit.
No monthly fees
Enjoy better banking with no monthly fees or minimum balances.
Frequently asked questions
Eligible deposits requirement are 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.
If you do not meet the eligible deposits requirement, you will lose OnePay Cash+ features for the following month. Don't worry, you'll still be able to enjoy all of the Great OnePay Cash features like early pay5, high-yield Savings and OnePay Rewards. And when you're able to meet the eligible deposits requirement, you'll be able to enjoy Cash+ benefits again.
Nope! OnePay Cash doesn’t charge monthly fees. We also don’t charge overdraft fees or require minimum balances.
There are fees for certain services (ex: ATM fees) but some fees can be avoided when you unlock OnePay Cash+.
There's no cap on the total amount of cash back you can earn through OnePay Rewards. However, certain rewards may have limits. For each reward, be sure to review reward details in the OnePay app or in promotional communications. Read the OnePay Rewards Terms for more information.
Join the millions of customers
banking through OnePay
OnePay is a financial technology company, not a bank.
Banking services provided by Coastal Community Bank or Lead Bank, Members FDIC.