Penny, your AI Money Buddy
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In this article
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In this article
What is Penny?#
The Penny, your AI money buddy is an AI-powered chatbot designed to help you better understand and manage your money. You can ask questions about credit, saving, budgeting, and other financial topics. AI can make mistakes, so it is important to remember that the information it provides is for educational purposes only; it’s not licensed professional advice. If you need personalized investment, legal, debt relief, or tax guidance, we recommend consulting a qualified professional.
How do I get Penny?#
Penny is only available to select customers at this time. We are working to roll this feature out to all OnePay customers soon.
How do I use Penny?#
Open your OnePay app
Navigate to the navigation bar on the bottom of the OnePay app
Tap on Penny located on the right side of the navigation bar
Read through the Terms and Conditions and accept by tapping Let's talk money
Submit your financial question in the "Ask me anything" section, and your Money Companion will provide an answer.
It’s important to note that this Penny chatbot uses artificial intelligence. While it’s a powerful tool, AI can make mistakes. The information it provides is for educational purposes only—it’s not licensed professional advice. If you need personalized investment, legal, debt relief, or tax guidance, we recommend consulting a qualified professional.
Can Penny help me with my OnePay account?#
Penny is intended for educational purposes and is not meant for account-specific assistance for OnePay accounts or OnePay's other products or promotions. For assistance with your OnePay account or other OnePay product needs, please contact Customer Service or chat with us by tapping on your profile in the top right corner of the OnePay app and selecting “Help”.
Can I view my previous conversations with Penny?#
Open Penny, on the right of the navigation bar at the bottom of the OnePay app.
Select the clock icon in the top right corner
Scroll to select the day and the conversation you want to view
You can also search for keywords from a previous conversation or favorite a conversation for easier access.
Where does Penny get information from?#
Penny can draw on three types of sources: (1) the AI model’s general knowledge; (2) OnePay materials, such as Help Center content, product documentation, policies, and release notes; and (3) user account context from OnePay systems (like balances or recent transactions).
Why is Penny asking me to link my bank accounts through Plaid?#
Penny only uses Plaid to let you connect your external accounts. By linking your external accounts, the Penny chatbot can give you better insights into your financial activity. Linking your bank account is optional and you can disconnect a linked external account at any time by going to Profile > Account > Linked accounts from your OnePay app.
It’s important to know that this feature is powered by artificial intelligence. While it can be very helpful, AI can make mistakes. The information provided is for educational purposes only—it’s not licensed financial advice.
Why is Penny asking me for my personal information (SSN, address) to check my credit score?#
OnePay has partnered with TransUnion®, one of the three major consumer credit bureaus, to give you free insights about your credit score. With the OnePay app, you can stay informed and learn what influences your credit score.
If you are new to OnePay and checking your credit score with Penny, OnePay will need your personal information to verify your identity with third-party sources to pull your accurate credit score.
To help validate your identity, you’ll need to provide your full legal name, U.S. physical address, date of birth, Social Security number, mobile phone number, email address, and possibly a copy of your government-issued photo ID or a utility bill. We may need to validate your driver’s license or passport during account sign-up. If we’re unable to verify the information provided, you won’t be able to get insights on your score with Penny. However, you may still sign up for other products at OnePay.