OnePay Transfer Fee Credit Bonus Terms and Conditions

Bonus Period: September 14, 2026 – December 14, 2026

This Promotion is solely offered through One Growth Securities LLC (“One Growth” or “OnePay Invest”), and not by any of One Growth’s affiliates.

To participate in this Bonus (as defined below), you must have a OnePay Invest account or OnePay IRA account opened in good standing (“Eligible Customer”). Eligibility and any promotional rewards are non-transferable.

Eligible Customers who, during the Bonus Period, transfer securities into their OnePay Invest account or OnePay IRA from another brokerage firm through the Automated Customer Account Transfer Service (“ACATS”), where the value of the assets One Growth receives is $5,000 or more, will receive a credit toward the transfer fee charged by the delivering firm, in the estimated amount shown to you in the OnePay App at the time you initiate the transfer, up to a maximum of one hundred dollars ($100.00) (the “Bonus”). No request or documentation is required. One Growth determines and applies the Bonus automatically. The account you transfer from must be registered in the same name and be of the same account type as the OnePay Invest account or OnePay IRA receiving the assets.

The $5,000 minimum is measured based on the value of the assets One Growth actually receives, valued at the time the transfer completes, and not the value at the time the transfer is initiated. Market movement, assets the delivering firm does not transfer, and amounts the delivering firm deducts may cause the value One Growth receives to be less than the value shown when the transfer was initiated. If the value One Growth receives is less than $5,000, the transfer does not qualify. Each transfer is evaluated separately, and multiple transfers do not combine toward the $5,000 minimum.

The Bonus is an estimate of the transfer fee your delivering firm charges, based on information One Growth maintains about that firm’s published fees. One Growth does not verify the fee actually charged to you. If One Growth does not have a fee amount on record for your delivering firm, the Bonus will be one hundred dollars ($100.00).

The estimated amount shown to you may be more or less than the transfer fee your delivering firm actually charges. Fees are set by delivering firms and change from time to time, and the amount One Growth has on record may not reflect your delivering firm’s current fee. One Growth will credit the estimated amount shown to you, up to the $100.00 maximum, and has no obligation to credit any additional amount, whether or not you provide documentation of the fee you were charged. If the estimated amount exceeds the fee you were actually charged, you may keep the difference.

The Bonus is paid in cash to your OnePay deposit account within three (3) business days after your transfer completes. The Bonus is not invested on your behalf. You must have a OnePay Cash deposit account open and in good standing to receive the Bonus.

One Bonus is available per qualifying transfer. A transfer qualifies only once, and a transfer that has generated a Bonus is not eligible for a further Bonus. One Growth may limit the number of Bonuses paid to any Eligible Customer to five (5) in any twelve (12) month period, and may limit the number of Bonuses paid with respect to transfers from the same delivering firm to three (3) in any twelve (12) months.

For the avoidance of doubt, this Bonus applies only to outbound account transfer fees charged by the delivering firm in connection with a transfer through ACATS. It does not apply to any other fee or cost that may be incurred in connection with a transfer, or fees charged in connection with a transfer initiated other than through ACATS. One Growth does not charge a fee to transfer assets into your OnePay Invest account or OnePay IRA. One Growth charges $90 to transfer assets out of your OnePay Invest account or OnePay IRA to another firm.

This Offer may be combined with other promotions made available by OnePay Invest. If a particular action meets the eligibility criteria of this Bonus and other available bonuses or promotions, as determined by OnePay Invest, in its sole discretion, that action will be applied to all such bonuses and promotions to the extent permitted by each of their terms and conditions.

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 withholding or reversing any Bonus. OnePay may issue an IRS Form 1099-MISC, or other appropriate forms relating to the OnePay Points earned through this Bonus. 

Your OnePay Invest account or OnePay IRA, governed by your OnePay Invest Customer Agreement or OnePay IRA Customer Agreement, as applicable, must be open and in good standing when any Bonus is initiated. If the account is closed or not in good standing at that time, the Bonus will be forfeited. You will not be entitled to any compensation from One Growth Securities LLC, its affiliates, or any other party if the Bonus is forfeited for any reason.

Other Information. The Promotion and any related information are provided solely for illustrative and educational purposes and do not constitute investment advice, a solicitation to buy, an offer to sell, or a recommendation to transfer an account, open an account, or buy, sell, or hold any security. No offer or solicitation is made in any jurisdiction where it would be unlawful or unauthorized. Whether transferring an account is appropriate for you depends on your own circumstances, including the assets you hold, the fees you pay, and any tax consequences of transferring.

Transfers through ACATS generally take three to five business days, and your account at the delivering firm is typically restricted from trading while the transfer is in progress. Not all assets can be transferred. Fractional shares generally cannot be transferred through ACATS and are typically sold by the delivering firm, with the cash proceeds sent instead, which may be a taxable event in a taxable account. Assets that One Growth does not support may remain at the delivering firm or be sold by it. The delivering firm, and not One Growth, controls what it transfers, what it liquidates, and what it charges. Transfer fees are set by the delivering firm and are subject to change.

Investment products are not FDIC Insured, not bank guaranteed and may lose value.

All investing involves risk, including the risk of loss. The past performance of a stock or financial product does not guarantee future results or returns. Customers should consider their investment objectives and risks carefully before investing.

Brokerage Services by One Growth Securities LLC, member FINRA/SIPC. Clearing and custody provided by DriveWealth, LLC.

Opening a OnePay deposit account is required before you can open a OnePay Invest account or a OnePay IRA account. 

Banking services provided by Coastal Community Bank or Lead Bank, Members FDIC.