Direct deposit

What is a direct deposit?#

Direct deposit is an automated payment method where funds, such as paychecks, gig platform payments, retirement payments, or government benefits like unemployment payments or Social Security, are electronically transferred to your account. Spark Driver earnings, ONE@Work Instapays, and ONE@Work Save contributions are also considered direct deposits.

Payments or transfers through person-to-person providers such as Venmo, PayPal, Apple Cash, or Cash App are not considered a direct deposit. Cash deposits, mobile check deposits, wire transfers, One to One transfers, and ACH funding or debit card funding transfers initiated from the OnePay app also do not qualify as direct deposits.

To set up direct deposit through your OnePay Cash account, please follow these steps:#

• Open Cash Control in the OnePay app

• Select Direct Deposit

• Tap on Find Your Employer

• Follow the on-screen instructions to select your employer, where you would like funds deposited, and how much of your paycheck you’d like deposited into OnePay

You can also tap here to set up Direct Deposit in the OnePay app.

It can take 1-2 pay cycles to receive your direct deposit into your OnePay Cash account, depending on your employer. If you haven’t received your direct deposit within 2 business days after it was sent by your employer, contact your payroll provider directly.

How do I set up my direct deposit?#

Some employers or payroll providers require that you set up your direct deposit through their online payroll system. Typically, this process will require:

• Account and routing numbers. These can be found in OnePay Cash then Settings in the upper right-hand corner in the OnePay app or by tapping here

• Bank name: OnePay

• Bank address: PO. Box 513717, Los Angeles, CA 90051 (Note: Please do not send any mail/checks/etc. to this address)

• Account type designation: Select Checking when setting up direct deposit to your Spend, for any other pocket select Savings. 

If your payroll provider requires a completed direct deposit form from your bank or a voided check, you can download a prefilled form from within the Onepay app by:

• Open Cash Control in the OnePay app

• Choose Direct Deposit

• Select Send form to employer then select Send form

Additionally, you may manually download and complete the attached form below. 

Step 1: Fill out your name and account number. Enter the account number associated with the pocket you would like to receive your direct deposit.

Step 2: Select the amount of money you would like to be deposited into your OnePay Cash account each paycheck by choosing one of the three options shown below.

Step 3: Fill out your name and account number (same as step 1).

Step 4: Fill out your employer's name then sign and date the form. If you have questions about information specific to your employer or a third party, please reach out to them directly.

Once you’ve completed and signed the form, share it with your payroll provider.

How do I get paid early?#

OnePay will post your direct deposit as soon as we receive it, up to two days early (3 days early from limited employers), 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 Cash 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.

What are the perks of setting up direct deposit?#

If you receive $500 or more in eligible direct deposits per month, you will unlock the following benefits of OnePay Cash+: 

• Get up to $200 in Fee-Free Overdraft Protection

• Instantly take out cash at Walmart for free with your in-app barcode

• No ATM fees at 55,000+ Allpoint ATMs

• 3.35% Annual Percentage Yield (APY) on total Savings balance, up to $250,000

• 3% cash back at Walmart or Gas Stations, up to $54 annually on purchases made at Walmart and Walmart.com or certain Gas Stations with your OnePay Debit Card or Builder Card

How is my direct deposit applied once it reaches my OnePay Cash account?#

When your direct deposit arrives in your OnePay Cash account, the funds are automatically applied to certain balances and transfers in a set order, if applicable. This helps keep your account up to date and allows scheduled activity to continue when funds are available.

Your deposit is applied in the following order:

• OnePay Advance Repayment: Funds are used to repay any outstanding OnePay Advance balance.

• Fee-Free Overdraft Balance: Funds are used to reduce any negative Spend balance.

• Pay Autosave Transfer: Funds are used to complete your Pay Autosave transfer, if set up.

• Scheduled or Recurring Transfers: Funds are used to complete any scheduled or recurring transfers, including transfers within OnePay or to external accounts.

• Invest Recurring Buys: Funds are used to complete any recurring investment purchases.

• Crypto Recurring Buys: Funds are used to complete any recurring crypto purchases.

Important: If your deposit is not enough to cover all items, funds are applied in this order until the deposit is used up. Lower-priority items may not be completed.

Why is my direct deposit not correctly recognized?#

If your direct deposit is not being correctly identified by OnePay, please contact OnePay Customer Service or type “Agent” in Chat to be connected to a OnePay Specialist.