OnePay Retail Card
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In this article
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In this article
What is a OnePay Retail Card?#
A OnePay Retail Card can be purchased from a Walmart store and loaded with money in person (either using cash or a debit card). Once you have activated your card, you may use it like a debit card. If approved to bank through OnePay, we will send you a permanent debit card, which should replace your retail card.
Why do I need to activate my OnePay Retail Card?#
The card you purchased at the store will not work until it is activated. You can activate the card by scanning the QR code on the packaging or by visiting onepay.com/storedebit. If you already have a OnePay deposit account, you can activate the retail card in the app by tapping Banking and then tapping Card details then Activate debit card bought in store.
The OnePay Retail Card is not a gift card. By activating your OnePay Retail Card, you are applying to bank through OnePay.
How do I activate the OnePay Retail Card I purchased at Walmart?#
Start the activation process for your newly purchased OnePay Retail Card by doing one of the following:
Scanning the QR code located on the card packaging or visiting onepay.com/storedebit.
If you already bank through OnePay, perform the following:
Tap Banking on the Home screen of the OnePay app
Tap the card logo on the right to access the Card details page
Tap Activate debit card bought in store
What is needed to activate my OnePay Retail Card?#
You must be at least 18 years old. When you apply, you will 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 identification or a utility bill. If we are not able to verify some of your information, or if you are under 18 years old, your card will still be activated for Limited-use, and you can spend the money from your initial deposit.
Is my OnePay Retail Card a gift card?#
OnePay Retail Cards are not gift cards. By activating a OnePay Retail Card, you are applying to bank through OnePay.
Is there a fee to buy a OnePay Retail Card?#
There is a $1 Retail Card Purchase Fee to purchase a OnePay Retail Card. If your Retail Card does not have any transfers in or out for more than 60 days, within the first 6 months of your Retail Card purchase, you will be charged a one-time $12 inactivity fee. There are no other fees associated with your OnePay Retail Card.
What if I already have a OnePay deposit account and purchased a OnePay Retail Card?#
Once you activate the Retail Card, the card's balance will be added to your existing OnePay deposit account. As a courtesy, we will issue a one-time credit to cover the cost of the $1 purchase price to your Checking balance.
I received a notification that my OnePay Retail card was activated for Limited-use. #
This generally occurs if we aren’t able to verify some of the information that you provided in your account application. Your OnePay Retail Card will be activated for Limited-use, and you can use it to spend your initial deposit. You can also download the OnePay app to view your balance, see your transactions, and manage the safety features of your card, like freezing or unfreezing your card or changing your PIN. Because we are not able to offer you a full account, you are not eligible for any APY on Savings. You will not be able to add additional money to your card.
Where can I buy a OnePay Retail Card?#
OnePay Retail Cards are available for purchase at Walmart locations nationwide.
Can I buy a OnePay Retail Card at Walmart to use on my account?#
If you already have a OnePay deposit account and purchase a OnePay Retail Card from Walmart, the money you deposited on your OnePay Retail Card will be added to your existing OnePay Checking balance.
If we are unable to offer you a full OnePay deposit account, and you already have existing OnePay Retail Card(s) that are activated for your account with certain restrictions (such as if your card is already Limited-use), your new OnePay Retail Card will be activated separately and your balances will not be combined. You can access the balances of your multiple Limited-use OnePay Retail Cards from “Chat” on your Profile page.
How long is a temporary OnePay Retail Card active?#
If you bought a OnePay Retail Card and were approved for a full OnePay deposit account, you will be prompted in the OnePay app to verify your address so a permanent card can be mailed to you. After 120 days, your Retail Card can still be used to spend but will no longer accept deposits.
Your Retail Card will remain active and may be used until your permanent card is delivered and activated; however, it can no longer accept deposits.