OnePay Cash+ Benefits
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In this article
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In this article
What is OnePay Cash+?#
OnePay Cash+ is a set of additional benefits that may be available if you meet certain requirements.
How can I tell if I have OnePay Cash+ benefits?#
You can check to see if you've unlocked OnePay Cash+ from Settings in the OnePay Cash section of the app.
If Cash+ is available to you, your benefits will be shown there.
| OnePay Cash | OnePay Cash+ |
3% cash back on your monthly cash back category (Walmart, dining, or gas) (on up to $150 spent/month)2 | - | ✓ |
Access to Credit Builder Loan | - | ✓ |
- | ✓ | |
- | ✓ | |
- | ✓ | |
- | ✓ | |
Get paid up to 2 days early6 | ✓ | ✓ |
✓ | ✓ | |
Put your savings on autopilot with Round-ups | ✓ | ✓ |
Free cash deposits at Walmart, CVS, Dollar General, and other participating retailers7 | ✓ | ✓ |
Free cash withdrawals at Walmart locations with your Debit Card7 | ✓ | ✓ |
Exclusive offers | - | ✓ |
Higher Advance limits | - | ✓ |
Priority customer support | - | ✓ |
What are exclusive offers for customers with OnePay Cash+ benefits?#
Some offers are only available to customers with OnePay Cash+ benefits. If an offer is locked, it means you do not currently have access to it.
If you qualify for OnePay Cash+ benefits while the offer is still active, it may unlock automatically.
Do customers with OnePay Cash+ benefits get higher OnePay Advance limits?#
Customers with OnePay Cash+ benefits may have access to higher Advance limits.
Eligible customers may qualify for an Advance starting at $25, which could increase over time. Customers with OnePay Cash+ benefits may be able to access up to $400 with OnePay Advance.
Not all customers qualify for the maximum amount, and limits may change based on factors such as account history and Cash+ status.
When you request an Advance, a 5% fee applies and the amount is due right away. See the Advance terms in your app for full details.
Do customers with OnePay Cash+ benefits get priority customer support?#
Yes. Customers with OnePay Cash+ benefits are placed in a priority support queue.
This means you may be connected to a support agent sooner than in standard support queues.
How do I qualify for OnePay Cash+ benefits?#
To get OnePay Cash+, all you have to do is receive $500+ in Direct Deposits in a calendar month or have a total account balance of $5,000+ at the end of the previous month.
Once I meet the requirements for OnePay Cash+, when will I start receiving the benefits?#
The timing of when you receive OnePay Cash+ benefits depends on how you unlock these benefits:
If you receive $500 or more in Direct Deposits in a calendar month, you will unlock OnePay Cash+ benefits for the rest of that month and the following month.
If you have a total account balance of $5,000 or more at the end of the previous month, you will start receiving OnePay Cash+ benefits on the first day of the next month.
What does OnePay consider a Direct Deposit?#
A Direct Deposit can be any of the following:
Paychecks from an employer
Spark Driver earnings
Gig platform payments like Uber, Lyft, DoorDash
@Work Instapay payments
@Work Save contributions
Social security income
Government salary
Recurring government payments such as annuities
Retirement payments
Unemployment payments
Payments or transfers through person-to-person providers such as Venmo, PayPal 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. ACH micro deposits (under $1) will also not be counted as Direct Deposits.
Why can I see an offer but not use it?#
Some offers are only available to customers with OnePay Cash+ benefits.
If you do not currently have OnePay Cash+, these offers may appear locked or blurred in your app.
- 3.35% annual percentage yield (APY) applies to the Savings balance of OnePay Cash accounts that have either (i) received $500+ of Direct Deposits in the current or previous month or (ii) have a balance of $5,000+ at the end of the previous month. 3.35% APY is also earned on Pay Autosave and @Work Save balances without deposit or balance requirements. 3.35% APY is limited to a total Savings balance of up to $250,000. All other Savings balances will earn 1.00% APY. APYs are as of 10/07/2025, but may change at any time before or after account opening.
- 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. Eligible purchases are based on MCC. See OnePay Rewards Terms.
- Fee-Free Overdraft is available to OnePay Cash accounts that have either (i) received Direct Deposits totaling $500+ in the current or previous month, or (ii) have a balance of $5,000+ at the end of the previous month. You 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.
- For all other ATM transactions the Cash Out fee will apply and third-party ATM fees may be incurred.
- Barcode withdrawals are free with OnePay Cash accounts that have either (i) received Direct Deposits totaling $500+ in the current or previous month, or (ii) have a balance of $5,000+ at the end of the previous month. For all other accounts, the $3 Cash Out fee applies.
- Direct deposit required. Funds may be available up to 2 days in advance, depending on when your employer sends paycheck data.
- Only applies to deposits and withdrawals with a OnePay Cash debit or Builder Card, made at Walmart Money Centers, cashiers, or Customer Service desks.