Pay Autosave 1% Match Terms

Offer Term: October 7, 2026 – October 7, 2028

This offer (the “Offer”) is only available to those customers who directly received an email, text message, push notification, or in-app message from OnePay promoting it (“Eligible Customers”) and is not transferable. Limit one Offer per Eligible Customer.

An Eligible Customer can earn a 1% match (the “Match”) on each Direct Deposit made into the Pay Autosave pocket of their OnePay deposit account during the Offer Term (an “Eligible Deposit). There is no maximum Match amount and no limit on the number of Eligible Deposits that may earn a Match during the Offer Term.

To participate in the Offer, an Eligible Customer must activate the Offer on or before the last day of the Offer Term. How to activate the offer: If you are enrolled in Pay Autosave as of the first day of the Offer Term, you must activate the Offer in the OnePay app. If you are not enrolled in Pay Autosave as of the first day of the Offer Term, enrolling in Pay Autosave during the Offer Term activates the Offer, and no separate action is required.

An Eligible Deposit must settle on or before the last day of the Offer Term to be eligible for a Match. Deposits into Pay Autosave that settle after the Offer Term ends will not receive a Match. Matches will be credited to your Pay Autosave pocket within 30 business days after that Eligible Deposit settles. Your OnePay deposit account must be open and in good standing at the time the Match is credited in order for it to be credited to your OnePay deposit account. If an Eligible Deposit is reversed, rejected, or fails to settle, the Match will not be granted or may be rescinded.

Funds in your Pay Autosave pocket, including Match amounts once credited, earn interest at the Annual Percentage Yield (APY) currently in effect. As of August 1, 2026, the APY for funds in Pay Autosave is 3.35%. The APY is variable and may change at any time, including after your account is opened.

Each Eligible Deposit must remain in your Pay Autosave pocket for a three (3) year earn out period, beginning on the date that Eligible Deposit settles (the “Holding Period”). Each Eligible Deposit is subject to its own independent Holding Period, measured from its own settlement date. If funds from an Eligible Deposit are withdrawn or transferred from Pay Autosave before the Holding Period has been completed, OnePay will reverse the corresponding unearned portion of the Match attributable to that Eligible Deposit (a “Match Reversal”).

Any debit from your Pay Autosave pocket may result in a Match Reversal, including an internal transfer, a transfer or withdrawal to an account outside of OnePay, and the closing of your OnePay deposit account. Interest earned on an Eligible Deposit is not subject to a Match Reversal. Debits from your Pay Autosave pocket are first applied against all funds in your Pay Autosave pocket that did not earn a Match (e.g. and any deposits that are not Eligible Deposits; and interest earned) and against your Eligible Deposits that earned a Match, in the order in which they settled, beginning with the earliest. Only debits of Eligible Deposits that earned a Match can cause a Match Reversal.

OnePay will not pay a Match on an account that is closed or pending closure, and OnePay may delay payment of any Match pending review for fraud, abuse, or violation of these Offer Terms.

When a debit is applied against an Eligible Deposit that has not completed its Holding Period, OnePay will apply a Match Reversal equal to 1% of the debit amount from that Eligible Deposit. For example, if the total amount of an Eligible Deposit is $200 and $100 from that Eligible Deposit is debited prior to the end of the Holding Period, OnePay will apply a Match Reversal of $1.00. The total amount reversed with respect to any Eligible Deposit will never exceed the Match that was credited on that Eligible Deposit. Once an Eligible Deposit has completed its Holding Period, the Match on that Eligible Deposit is fully earned and will no longer be subject to a Match Reversal. Match Reversals will be made from your Pay Autosave balance. New deposits made into your Pay Autosave pocket after a Match Reversal do not restore a reversed Match and do not restart or extend any Holding Period.

This Offer cannot be combined with other promotions, features or services made available by OnePay that provide consumers with any form of a deposit or other funds match. To the extent an action or event meets the eligibility criteria of this Offer and another available promotion, feature or service, OnePay will determine, in its sole discretion, whether that action or event will apply to this Offer or the other promotion, feature or service to which it may be applied.

This Offer may be modified or canceled at any time, with or without notice. If it is determined that a consumer has engaged in or plans to engage in abuse or gaming in connection with this Offer, that consumer will be prohibited from further participation, will forfeit any Match that may have been earned, and OnePay may recover any Match previously credited in connection with this Offer.

OnePay may issue an IRS Form 1099, or other appropriate form, relating to this Offer. You are responsible for any federal, state, or local taxes associated with this Offer.