Direct Deposit Streak Offer Terms

Bonus Term: Ends June 4, 2027

This Bonus (as defined below) is only available to those customers who directly received an email, push notification, or in-app message promoting it (“Eligible Customers”). This Bonus is not transferable. 

Eligible Customers must open a OnePay deposit account within 60 days of opening Credit Score, a Pay Later loan or CashRewards Card; at that point, a Customer can earn cash back when in each month of their Starter Bonus Term (as detailed below) they receive at least $1,500 of Direct Deposits (as defined below) into their OnePay deposit account (the “Bonus”). The amount of cash back earned is based on the total amount of Direct Deposits received in each month of the Starter Bonus Term, as detailed in the table below. Cash back amount will be based on the common Direct Deposit tier that a customer meets in both months of their Starter Bonus Term. For example, a customer who receives $1,500+ in one month, but receives $5,000+ in the other month will receive $50 cash back, even though in one month of the Starter Bonus Term their cumulative amount of Direct Deposits reached a higher tier. A Direct Deposit is received on the date it posts to a OnePay deposit account and will count toward the monthly requirement only for the month in which it was received. Cash Back will be issued as a single payout after the end of the second consecutive month of the Starter Bonus Term. If, in any month during the Starter Bonus Term, an Eligible Customer does not receive at least $1,500 in Direct Deposits, that customer will no longer be eligible to participate in the Bonus.

Starter Bonus Term

• The Starter Bonus Term starts on the first of the month after you open your OnePay deposit account and runs for two consecutive calendar months.
  
  

Starter Bonus Amount

A “Direct Deposit” is defined as an electronic deposit through the Automated Clearing House (“ACH”) Network or an electronic deposit by Original Credit Transaction (“OCT”) of payroll, pension, government benefits (such as Social Security), and other payments sent to your OnePay deposit account. For the avoidance of doubt, peer to peer transfer (e.g. One to One, Venmo, & Cash app), and attempted deposits that are either returned or canceled before the funds settle are not Direct Deposits. 

Cash back is provided in the form of OnePay Points, which can be redeemed as a deposit into a OnePay deposit account or other available options, pursuant to the OnePay Rewards Terms. Points will be credited  within fifteen (15) business days following the end of the Starter Bonus Term. As of June 17, 2026, the Annual Percentage Yield (APY) for funds in Savings is 3.35% for customers who either (i) received $500 or more of eligible direct deposits in the previous month or (ii) have a total daily account balance of $5,000 or more. Customers also earn 3.35% APY on Pay Autosave and ONE@Work Save balances. In all instances 3.35% APY is limited to a total Savings balance of up to $250,000. All other Savings balances will earn an APY of 1.00%. APYs may change at any time. 

This Bonus cannot be combined with other Bonuses or offers made available by OnePay. To the extent an action or event meets the eligibility criteria of this Bonus and another available Bonus or offer, OnePay will determine, in its sole discretion, whether that action or event will apply to this Bonus or any other Bonus or offer to which it may be applied. 

This Bonus may be modified or canceled at any time, with or without notice. If it is determined that a customer has engaged in or plans to engage in abuse or gaming in connection with this Bonus, that customer will be prohibited from further participation, and OnePay reserves the right to take additional remedial action, which may include revocation of OnePay Points and recovery of cash back deposited into that customer OnePay deposit account. OnePay may issue an IRS Form 1099-MISC, or other appropriate forms relating to cash back earned through this Bonus.