# OnePay Help Center — Full Content Generated: 2026-08-18T20:40:56.435Z Source: https://www.onepay.com/help-center --- ## About Loans at OnePay ### Types of OnePay Loans URL: https://www.onepay.com/help-center/articles/loans-greater-than-about-loans-at-onepay-greater-than-types-of-onepay-loans Last updated: 2026-05-15 OnePay offers different loan options for different needs. #### **OnePay Personal Loans** OnePay Personal Loans let eligible customers apply for a personal loan directly in the OnePay app. Loan amounts range from $1,000 to $50,000. For more information see [About OnePay Personal Loans](https://www.onepay.com/help-center/articles/about-onepay-personal-loans?from=products). #### OnePay Later, Powered by Klarna OnePay Later lets eligible customers pay over time for Walmart purchases in Walmart stores, on Walmart.com, or in the Walmart app. If approved, you can choose from available payment plans during checkout. Klarna handles servicing until the purchase is fully paid off. OnePay Later may be available for purchases between $50 and $6,000. Not all items are eligible. Annual percentage rates (APR) for monthly financing range from 9.99% to 35.99%. There are no fees when you pay on time, but a late fee of up to $7 may apply if a payment is late. For more information see [About OnePay Later, powered by Klarna](https://www.onepay.com/help-center/articles/about-onepay-later-powered-by-klarna?from=products) #### **OnePay Credit Builder Loan** OnePay Credit Builder Loan is a credit-building program for eligible customers. If approved, a $300 loan is placed in a locked account that cannot be used for spending. The loan has a 12-month term, $25 monthly payments, and a 0% APR. Customers can choose how much to contribute each month, with a minimum of $1. If they contribute less than $25, the rest is paid from the locked account. At the end of the program, their contributions are returned to their OnePay Primary Savings pocket. There is no interest and no fees. Starting September 1, 2026, the OnePay Credit Builder Loan is only available to customers who joined OnePay before September 1, 2026. OnePay reports on-time monthly payments to the three major credit bureaus to help build credit. 1 For more information see [About OnePay Credit Builder Loan](https://www.onepay.com/help-center/articles/about-onepay-credit-builder-loan?from=products) #### **OnePay Loans ** OnePay Loans were used to pay over time for Walmart purchases. As of May 12, 2025, OnePay Loans are no longer available for new purchases at Walmart. If you already have an existing OnePay Loan, you can still manage your loan and make payments in the OnePay app. For more information see [About OnePay Loans](https://www.onepay.com/help-center/articles/onepay-loans?from=products) #### How are these loan types different? Both OnePay Loans and OnePay Later are used for Walmart purchases. The main difference is that OnePay Loans are no longer available for new purchases, while OnePay Later is the current option for eligible purchases you want to pay over time. OnePay Personal Loans work differently. They’re applied for directly in the OnePay app and are not tied to a specific Walmart purchase at checkout. Use of the Credit Builder Loan Program does not guarantee that your credit score will improve. Credit score improvement is dependent on your specific circumstances and a variety of factors, including your financial behavior. Failure to make monthly minimum payments on time may negatively impact your credit score. Credit Builder Loans are available to OnePay deposit accounts that have either (i) received [Direct Deposits](https://support.one.app/hc/en-us/articles/360053046053-Direct-deposit) totaling $500+ in the current or previous month, or (ii) have a balance of $5,000+ at the end of the previous month. Participation is subject to eligibility. See [Licenses](https://www.one.app/legal/licenses), for state disclosures. OnePay is not a credit repair service and does not remove negative credit history from your credit profile. --- ## Account and Setup ### Banking through OnePay URL: https://www.onepay.com/help-center/articles/about-onepay-banking Last updated: 2026-08-01 #### **What kind of account do I have when I bank through OnePay? ** When banking through OnePay, you have a deposit account that includes a Checking section and a Savings section. Your Primary Savings, savings pockets, and goals may look or feel separate, but they are all part of your OnePay deposit account. #### Does OnePay support joint accounts? At this time, OnePay does not offer joint accounts or the ability to add an authorized signer to an existing account. #### Are OnePay deposit accounts FDIC insured? OnePay is a financial technology company, not a bank. Banking services through OnePay are provided by Coastal Community Bank and Lead Bank, Members FDIC. Approved deposit accounts are FDIC insured up to $250,000 per depositor through pass-through insurance at Coastal Community Bank and Lead Bank, Members FDIC, and, as applicable, their [Sweep Partner Banks](https://www.onepay.com/help-center/articles/cash-sweeps?from=products), if certain conditions have been met. FDIC insurance applies to the failure of an FDIC-insured bank, not OnePay. #### Which banks does OnePay partner with? OnePay has partnered with Coastal Community Bank and Lead Bank to provide banking services. As the banking provider, Coastal Community Bank or Lead Bank is the bank where your account is held. While Coastal Community Bank or Lead Bank holds your funds, OnePay services your account. If you have any issues or questions, please contact [OnePay Customer Service](https://www.onepay.com/help-center/articles/contacting-onepay-customer-service) or say Agent in Chat to be connected to a OnePay Specialist. If you connect your OnePay deposit account to another financial institution to transfer funds, your account’s Routing and Transit Number (RTN) may be presented as OnePay, Coastal OnePay, Coastal Community Bank, or Lead Bank. #### **How do I find which bank holds my account?** Your OnePay deposit account is held by either Coastal Community Bank or Lead Bank. To see which bank holds your account: 1. Tap Checking or Savings. 2. Tap the Settings icon in the upper-right corner. 3. Scroll to the bottom of the screen to find the name of your bank. #### What additional benefits can I get with my OnePay account? You may be eligible for additional OnePay account benefits by receiving $500 or more in qualifying monthly direct deposits into your OnePay deposit account. Eligibility is determined automatically based on your qualifying direct deposit activity. Additional benefits may include: - Mobile Check Deposit - Cash Advance (up to $400 for eligible customers; limits vary and are not guaranteed) - Fee-Free Overdraft Protection #### How can I view my Deposit Account Agreement (DAA)? You can view a copy of your Deposit Account Agreement (DAA) [here.](https://www.onepay.com/legal) #### What fees are there when banking through OnePay? When banking through Onepay, the following fees apply, as provided in the [Deposit Account Agreement](https://www.onepay.com/legal). | **Fee Type ** | Details | | --- | --- | | Monthly Fee | $0 | | Overdraft Fee | $0  **Note: **Only available for customers who receive $500+ in monthly direct deposits**.** | | OnePay Cash Out Fee (Use of ATMs may incur fees charged by the ATM providers. International ATM withdrawals may be subject to foreign transaction fees.) | $0 (at Allpoint Network ATMs, which can be found in the OnePay app) $3.00 (for all other ATM withdrawals) | | Bank transfer to a linked account via Debit OCT (Instant Transfer) Fee | 1.75% of the transaction amount (minimum fee of $0.25 per transaction) | | OnePay Advance Overdraft Fee | Only available for customers who receive $500+ in monthly direct deposits in a month. Fee charged for Advance is 3% of the amount of the OnePay Advance. | OnePay Retail Card Fee Supplemental Schedule: | OnePay Retail Card Purchase Fee2 | $1.00 | | --- | --- | | OnePay Inactivity Fee (a one-time $12 inactivity fee if there are no transfers in or out of the account for a consecutive 60 days within the first 6 months after card purchase.)3 | $12.00 | 1. This is a one-time fee for the purchase of a One Retail Card at a retail location. This fee is collected at the point of sale by the retail location and is not deducted from your Account and will not be reflected in your monthly statement or transaction history. 2. OnePay Inactivity Fee is only applicable for customers who purchase a OnePay Retail Card on or after 5/13/2024. Fee not charged where prohibited by applicable law. --- ### Cash Control URL: https://www.onepay.com/help-center/articles/cash-control Last updated: 2026-01-05 #### What is Cash Control? Cash Control is the icon of two arrows located in the navigation bar of the OnePay app. Cash Control provides a central place to deposit, withdraw, or transfer money from one place to another. #### Available options from Cash Control ##### Send Money [**One to One**](https://www.onepay.com/help-center/articles/one-to-one) allows customers who bank through OnePay to send funds directly to other OnePay customers. If the recipient does not bank through OnePay, they must open a deposit account within 10 days of money being sent or it will be returned to the sender. [**Global Transfers**](https://www.onepay.com/help-center/articles/global-transfers)**,** powered by MoneyGram®, allow you to send money to friends and family outside the United States from the OnePay app. Fees may apply. Tap [here](https://static.one.app/terms-and-conditions/t/468f0265/OneDDARatesAndFees.html?%24web_only=true&_branch_match_id=1209634912194327569&utm_medium=marketing&_branch_referrer=H4sIAAAAAAAAAwXBQQqAMAwEwBfZ3IXiwYdIha0RahM2AW%2B%2B3RnN9FhFFGNYsYnS3AXCllhCgdw%2BooO853WctDfAuivtwQ%2BfTvdrPAAAAA%3D%3D) for more details. ##### Deposits & transfers **Add Money **allows you to add funds to your OnePay deposit account from a linked external bank account or instantly from a linked debit card or digital wallets like Google Pay and Apple Pay. [**Move Money**](https://www.onepay.com/help-center/articles/transfers) allows you to initiate an internal transfer within your OnePay deposit account, as well as a transfer to a linked external account or debit card. [**Direct Deposit**](https://www.onepay.com/help-center/articles/direct-deposit) is where you can set up your salary, government benefits, or other payments to be electronically transferred to your account. You can [**Deposit Cash**](https://www.onepay.com/help-center/articles/depositing-cash) into your OnePay deposit account at any US Walmart or participating retailer in the United States, cashier, Customer Service desk, or Money Center. [**Deposit Check**](https://www.onepay.com/help-center/articles/depositing-a-check) allows customers receive $500 or more in monthly direct deposits the ability to deposit a physical check using the OnePay app. ##### Cash withdrawals You can [**Withdraw Cash**](https://www.onepay.com/help-center/articles/getting-cash) at any Walmart cashier, Money Center, or Customer Service Desk in the United States using your OnePay app or physical card. [**Find ATM**](https://www.onepay.com/help-center/articles/getting-cash) helps you locate a nearby Allpoint Network ATM, which are Cash Out fee-free for customers who bank through OnePay. Non-Allpoint ATMs have a $3 Cash Out fee. Tap [here](https://www.onepay.com/legal/account-rates-fees) to learn more about ATM fees. ##### Payments [**Bill Pay**](https://www.onepay.com/help-center/articles/paying-a-bill-bill-pay) is a way to pay your bills using the OnePay app. You can select from available merchants or add a provider that isn’t in the directory. Fees may apply. Tap [here](https://static.one.app/terms-and-conditions/t/468f0265/OneDDARatesAndFees.html?%24web_only=true&_branch_match_id=1209634912194327569&utm_medium=marketing&_branch_referrer=H4sIAAAAAAAAAwXBQQqAMAwEwBfZ3IXiwYdIha0RahM2AW%2B%2B3RnN9FhFFGNYsYnS3AXCllhCgdw%2BooO853WctDfAuivtwQ%2BfTvdrPAAAAA%3D%3D) for more details. [**Mail a Check**](https://www.onepay.com/help-center/articles/using-mail-a-check-to-make-a-payment) allows you to send a check to any person or business with a United States or U.S. territory address verifiable by the USPS. ##### Settings [**Linked Accounts**](https://www.onepay.com/help-center/articles/linking-accounts) allows you to add, view, or remove any linked bank accounts or debit cards that you currently have linked to your OnePay deposit account. We use Plaid or Mastercard Data Connect to connect your external bank to your OnePay deposit account. **Recurring Transfers** are automatic transfers that occur between accounts on a schedule set by you. You can schedule a recurring transfer to and from your OnePay accounts or to an externally linked account or linked card. --- ### Cash Sweeps URL: https://www.onepay.com/help-center/articles/cash-sweeps Last updated: 2026-02-11 #### What is the Cash Sweeps program? Cash Sweeps is a program that automatically spreads deposits across multiple FDIC-insured partner banks. Your balance will look the same in the OnePay app, and you can access your money whenever you need it. There is no change to how you use your account. #### Will this affect the balance I see in the OnePay app? No. Your total Checking balance will appear in the app exactly as it does today, even if your funds are held across multiple Cash Sweep Partner Banks. You can still access these funds at any time. #### Who is included in the Cash Sweeps program? All customers who bank through OnePay may automatically be enrolled in the Cash Sweeps program. Funds may automatically be moved into the Cash Sweeps program when applicable, and the process will pause automatically if it no longer applies. No sign-up or additional action is required on your part. #### What institutions could my funds be held at? Your deposits may be held across a network of FDIC-insured partner banks through IntraFi. For a current list of participating institutions, please visit IntraFi's [website](http://programbanks.com/onepay) directly. #### Can I opt out of Cash Sweeps? Yes, you can request to opt out of the Cash Sweeps program at any time by contacting our Customer Support team at +1 (855) 830-6200 from 9 a.m. to 9 p.m. ET, 7 days a week. You can also opt out of Cash Sweeps by writing to us at: One Finance, Inc. P.O. Box 513717 Los Angeles, CA 90051 Please note that opting out is a permanent change. Once you opt out, you won’t be able to rejoin the Cash Sweeps program. Opting out does not close your deposit account or affect how you access your money. --- ### Closing your OnePay deposit account URL: https://www.onepay.com/help-center/articles/closing-your-onepay-deposit-account Last updated: 2026-07-01 #### How do I close my account? Please call or chat with [OnePay Customer Service](https://www.onepay.com/help-center/articles/contacting-onepay-customer-service) for help canceling your OnePay deposit account. Chat is available 24/7 from your Profile page in the OnePay app; type Agent in chat to be connected to a OnePay Specialist. #### What do I need to do before I close my account? Before you close your account, here are a few things to keep in mind: - If you’ve earned [OnePay Points](https://www.onepay.com/help-center/articles/rewards-greater-than-redeeming-rewards-greater-than-redeeming-onepay-rewards-points?from=categories), you can redeem them for cash back (you’ll need at least 25 points). - Be sure to cancel or move any direct deposits, recurring transfers, or bill payments to another account. - You’ll need to bring your total Checking and Savings balance to zero and ensure that all your transactions have been posted or are finalized, not pending - If you have a OnePay Credit Builder Loan, it will be closed along with your OnePay deposit account - note that prematurely terminating a loan may impact your credit score. --- ### OnePay Deposit Account Application process URL: https://www.onepay.com/help-center/articles/onepay-deposit-application-process Last updated: 2026-07-01 #### How do I apply to bank through OnePay? To bank through OnePay, begin by downloading the OnePay app from the app store or by tapping **Join OnePay** from our website [www.onepay.com](http://www.onepay.com). Start by entering your mobile phone number (no landlines or non-U.S. numbers) and the one-time passcode you receive. Follow the on-screen instructions to complete your application once the phone number is verified. You will be prompted to enter your legal name, date of birth, physical address, and Social Security number or Taxpayer Identification Number (ITIN). You may also be asked to upload a photo of your current government-issued ID. #### What are the eligibility requirements to bank through OnePay? You must be at least 18 years old, have a U.S. based physical residential address, and mobile phone number, and be issued a Social Security number or Individual Taxpayer Identification Number (ITIN) to apply for an account with OnePay. #### What information do I need to apply to bank through OnePay? When you apply, you will need to provide your full legal name, U.S. physical address, date of birth, Social Security number or ITIN, mobile phone number, email address, and possibly a copy of your government-issued photo identification or a utility bill. #### What if I was declined to bank through OnePay? OnePay uses third-party data sources to validate personal information and, in some cases, your driver’s license or passport as part of your account application. If we cannot verify the information provided, we deny your application and are unable to offer you an account with OnePay. #### Will applying to bank through OnePay affect my credit score? No, applying for a OnePay deposit account does not impact your credit score. --- ## Credit Card ### About the OnePay Credit Card URL: https://www.onepay.com/help-center/articles/about-the-onepay-credit-card Last updated: 2026-02-11 ### What is the OnePay Credit Card? OnePay offers two credit cards in partnership with Synchrony. The CashRewards Card can be used anywhere Mastercard is accepted, while the Walmart Spend Card is limited to purchases at Walmart. Consumers can apply online at Walmart.com, the Walmart app, or in Walmart stores. ### Who is Synchrony? OnePay has partnered with Synchrony Bank to offer credit cards. Synchrony is a trusted provider of consumer credit products, handling application review, approvals, account servicing, payments, and customer support. ### What types of credit cards are offered? If you apply, you'll be considered for the CashRewards Card. Based on your creditworthiness, you may be approved for the CashRewards Card, the Walmart Spend Card, or your application may be declined. ### What are the differences between the CashRewards Card and the Walmart Spend Card? The OnePay Credit Card program includes two card types, each with its own benefits: - CashRewards Card - Can be used anywhere Mastercard is accepted - Offers cash back rewards in the form of OnePay Points: - 5% back at Walmart with a linked Walmart+ membership1 - 3% back at Walmart without a linked Walmart+ membership1 - 1.5% back everywhere else Mastercard is accepted - Points can be redeemed for cash back to a OnePay deposit account or other available options - Walmart Spend Card - Can only be used at Walmart (in-store and online) - Does not include a rewards program All cards are issued by Synchrony Bank, and are subject to credit approval. For more information on cash back rewards, see the [OnePay Rewards Terms.](https://www.onepay.com/legal/onepay-rewards-terms) ### Is the OnePay Credit Card replacing a previous Walmart credit card? No. The OnePay Credit Card is a new product offered in partnership with Synchrony Bank. It’s not associated with any previous Walmart credit cards. ### Is there an annual fee for the OnePay Credit Card? No, there is no annual fee for either the CashRewards Card or the Walmart Spend Card. [See rates, fees, and other cost information. ](https://apply.syf.com/cs/groups/public/documents/et_tcdoc/e079073.pdf) ### Are there any late fees for the OnePay Credit Card? Yes. A late fee may apply if your minimum payment is not received by 11:59 PM ET on the due date. The exact fee amount will be outlined in your cardholder agreement. ### Is there an interest-free grace period for the OnePay Credit Card? Yes. You won’t be charged interest if you pay your full statement balance by the due date each month. This is known as the standard interest grace policy. ### What is the APR for the OnePay Credit Card? Your purchase APR is based on a fixed amount plus the Prime Rate and will be determined during the application process. ### **Are there any international transaction fees for the OnePay Credit Card?** **No foreign transaction fee is charged.** Non-USD transactions are converted to U.S. dollars using exchange rates from the transaction or processing date. 1 Applicable to purchases at U.S. Walmart locations and on Walmart.com only. --- ### Activating & Managing Your OnePay Credit Card URL: https://www.onepay.com/help-center/articles/activating-and-managing-your-onepay-credit-card Last updated: 2026-06-29 #### How do I activate my Physical Card? You can activate your card in the OnePay app or online. **In the OnePay app** 1. From the Home tab, select **Track card**, or use your phone’s camera to scan the QR code included with your new card. 2. Select **Activate Your Card**. 3. Enter the requested information to verify your card. 4. Create a 4-digit PIN for your card. **Online** You can also activate your card using one of the following links: - Physical Card:[ https://web.onepay.com/link/card](https://web.onepay.com/link/card) - Credit Card:[ https://web.onepay.com/credit-card/activate](https://web.onepay.com/credit-card/activate) Once activation is complete, your card will be ready to use. #### When will I get my Physical Card? Your OnePay Credit Card should arrive via USPS within 7-10 business days. You can track the status of your OnePay card by tapping Track card from the Home tab of the OnePay app. #### How do I track my new Physical Card? Once your card has been ordered, you will be able to view the order status by tapping at Track card from the Home tab of the OnePay app. #### How do I freeze or unfreeze my Physical Card? If your card is lost or stolen, or if you notice activity you don't recognize, you can freeze your card in the OnePay app or on the OnePay website. Freezing your card helps prevent new card transactions from being processed. There are two ways to freeze your cards: **To freeze your physical card only:** 1. Select Card Details from the OnePay Cash section of the app 2. Turn Freeze Card on **To freeze all cards and payments (physical and virtual):** - Go to Home - Select Checking - Tap Card Details - Select Freeze All Cards and Payments Note: When Freeze All Cards and Payments is turned on, digital wallet, ATM withdrawal and transactions made through a mobile wallet will also be blocked. To unfreeze, follow the same steps and turn Freeze Card off. Your card can be used for purchases again as soon as the freeze is removed. [**How do I freeze my OnePay Debit Card or Builder Card?**](https://www.youtube.com/shorts/0MayXXVWU4o) ### What’s the difference between my virtual card and physical OnePay Credit Card? Your **virtual card **is available instantly in the OnePay app and is perfect for online purchases. You can also add it to select mobile wallets, including Google Pay and Samsung Pay, or use it with the OnePay/Walmart Wallet. _(Note: The OnePay CashRewards Card cannot be added to Apple Pay.)_ You can generate a new virtual card number at any time if you need extra security or a replacement. Your **physical card **arrives in the mail and can be used in-store wherever Mastercard is accepted. Once you receive it, you can also add it to Google Pay, Samsung Pay, or the OnePay/Walmart Wallet for contactless purchases. #### How do I replace my Physical Card if it’s damaged, missing, or stolen? You can request a replacement card in the OnePay app. If your card is missing or stolen, reporting it will deactivate your current card to help reduce the risk of unauthorized transactions. ##### **To replace your card** 1. Select the card icon from the **Checking or Savings** screen of the app 2. Tap **Replace card** 3. Choose the reason (damaged, missing, or stolen) 4. Confirm your mailing address 5. Select **Replace My Card** to submit Your new card typically arrives within 7–10 business days. You can check its status by tapping **Track card** from the Home tab. ##### **If your card was reported as damaged** - You can continue using your current card until you activate your new one - Your replacement card will have the same card number, but a new expiration date and security code (CVC) - Your updated card details will automatically appear in the OnePay app. If your card is saved in Apple Pay or Google Pay, the updated details will reflect there as well - Most subscriptions and recurring payments may update automatically, but it’s a good idea to check with your providers to avoid interruptions ##### **If your card was reported as stolen** - Your current card will be deactivated - Your replacement card will have a new card number, expiration date, and security code (CVC) - Your new card will appear in the OnePay app - You'll need to re-add your new card to Apple Pay or Google Pay. You can do this by going to Home > Checking > Card Details and tapping Add to Apple Wallet or Add to Google Pay - You’ll need to update any subscriptions or recurring payments with your new card details ##### **If your card was reported as missing** - Your current card will be deactivated - Your replacement card will have a new card number, expiration date, and security code (CVC) - Your updated card details will automatically appear in the OnePay app. If your card is saved in Apple Pay or Google Pay, the updated details will reflect there as well - Most subscriptions and recurring payments may update automatically, but it’s a good idea to check with your providers **Note:** OnePay Retail Cards that have not been activated or are activated for limited use cannot be replaced. ### **What Happens Next?** - **Stolen or Missing Card**: Your card will be **deactivated immediately** to prevent unauthorized purchases. A new card will be mailed to the address on file and should arrive within **7–10 business days**. You can track the status of your OnePay card by tapping Track card from the Home tab of the OnePay app. - **Damaged Card**: Your current card remains **active** while the new one is on its way. The replacement will have the **same card number** but a **new expiration date and CVC**. ### Updating Subscriptions & Payments - For **stolen or missing cards**, you’ll need to manually **update your subscriptions and recurring payments** with the new card details. - For **damaged cards**, most subscriptions will update automatically, but it’s a good idea to double-check with your providers to avoid interruptions. --- ### OnePay Credit Card Account Management URL: https://www.onepay.com/help-center/articles/onepay-credit-card-account-management Last updated: 2026-02-11 ### Where can I find my OnePay Credit Card statement or payment due date? You can view your billing statements and due dates in the Credit Card section of the OnePay app. Statements are generated monthly and show your total balance, due date, and minimum payment due. You can also [tap](https://web.onepay.com//link/profile/creditcardstatements) here to view your statements online. ### How do I update my contact information? You can update your phone number, address, or email directly from your profile settings in the OnePay app. See [Updating your profile](https://www.onepay.com/help-center/articles/updating-your-profile) for more information. ### Can I add an authorized user or joint account holder to my OnePay Credit Card? No. The OnePay Credit Card is for individual use only. Authorized users and joint accounts are not currently supported. ### Where can I view my OnePay Credit Card balance and transactions? You can view your balance, transaction history, and available credit from the Credit Card section of the OnePay app. From here, you can also see recent payments, your statement balance, and any credits to your account. You can also [tap](https://web.onepay.com/link/credit-card/home/activity) here to view your balance and transaction online. --- ### OnePay Credit Card Application Process URL: https://www.onepay.com/help-center/articles/onepay-credit-card-application-process Last updated: 2026-01-06 ### How do I apply for a OnePay Credit Card? You can apply for a OnePay Credit Card through[ Walmart.com](https://www.walmart.com), the Walmart app, or at select Walmart stores. The application process is quick and easy—you’ll receive a decision in just a few steps. ### What are the requirements to apply for a OnePay Credit Card? To apply, you’ll need to provide a few personal details, including your phone number, full name, mailing address, date of birth, Social Security number or ITIN, income, and email address. You’ll also need to review and accept the card terms before submitting your application. Credit approval is determined by Synchrony Bank. ### Will applying for a OnePay Credit Card impact my credit score? Checking if you’re pre-qualified uses a soft credit check and won’t affect your credit score. If you choose to submit an application, a hard credit check will be performed, which may impact your credit score. ### Can I choose which card I want? No, you’ll automatically be considered for the OnePay CashRewards Card when you apply. Based on your application and Synchrony’s review, you may be approved for either the CashRewards Card or the Walmart Spend Card. You won’t be able to choose between them. ### What if I were declined for a OnePay Credit Card? If your application was declined, you’ll receive an email from Synchrony Bank with more information. Customers can call Synchrony Bank directly at (866) 796-1537. Phone support is available 24/7. --- ### Payments & Billing URL: https://www.onepay.com/help-center/articles/payments-and-billing Last updated: 2026-02-11 ### How can I make a payment to my OnePay Credit Card? You can make a one-time payment or schedule a future payment directly in the OnePay app. Payments can be made using a linked bank account or your OnePay deposit account (processed as ACH). Payments may take 2–3 business days to post, but will be effective the day they’re submitted. You can also schedule payments in advance or set up autopay. To make a payment in the OnePay app: 1. Select the Rewards Card or Walmart Spend Card (depending on which you have) tile from the home tab 2. Select Make a payment 3. Enter the required information 1. Payment date 2. Payment amount 3. Payment source 4. Select Pay You can also [tap](https://web.onepay.com/link/credit-card/home/pay-sheet) here to make a payment online. ### When is my OnePay Credit Card payment due date? Your first payment is due approximately 30 days after you open your account. After that, each statement’s due date will recur on the same day each month. You can view your billing statements and due dates in the Rewards Card or Walmart Spend Card (depending on which you have) tile of the OnePay app. You can also [tap](https://web.onepay.com/link/landing/home/credit-card) here to view the due date online. ### When will my OnePay Credit Card payment be applied? Your payment is effective the day you submit it. Your balance will typically update within 2–3 business days, and the payment will be fully posted to your account within 5 business days. ### Can I schedule a OnePay Credit Card payment for a future date? Yes. You can schedule a payment up to 365 days in advance. The payment will be applied on the scheduled date. You can also [tap](https://web.onepay.com/link/credit-card/home/pay-sheet) here to make a payment online. ### Can I set up autopay for my OnePay Credit Card? Yes, you can set up Autopay in the OnePay app to automatically pay your minimum amount due, full statement balance, or a custom amount on your due date. To set up Autopay in the Onepay app: 1. Select the Rewards Card or Walmart Spend Card (depending on which you have) tile from the Home tab 2. Select Settings 3. Select Set up Autopay 4. Enter the required information 1. Payment amount 2. Payment method 5. Select Turn on Autopay You can also [tap](https://web.onepay.com//link/credit-card/settings/autopay) here to manage autopay online. ### What payment methods can I use? You can pay using a linked external bank account or your OnePay deposit account (processed via ACH). Synchrony also accepts check payments, which can be mailed. Please contact Synchrony for the mailing address and check requirements. ### Can I change my OnePay Credit Card payment due date? Yes, you can contact Synchrony to request a change to your due date. Customers are allowed to update their due date once per year. --- ## Deposits and Transfers ### Adding OnePay Card to Digital Wallets URL: https://www.onepay.com/help-center/articles/adding-onepay-card-to-digital-wallets Last updated: 2026-01-06 #### How do I add my OnePay virtual debit card to Apple Pay? - Select Use OnePay with Apple Pay on the home tab - Follow the on-screen prompts You can also tap [here](https://web.onepay.com/) and select Add to Apple Wallet in the OnePay app. #### How do I add my OnePay Debit Card or Builder Card to Google Pay? - Select Use OnePay with Google Pay on the home tab - Follow the on-screen prompts You can also tap [here](https://web.onepay.com/) and select Add to Google Pay in the OnePay app. #### How do I add my OnePay Debit Card or Builder Card to Samsung Pay? - Open the Samsung Pay app - Tap on Menu > Cards - Select Add Cards > Add Credit/Debit card - Follow the on-screen prompts --- ### Depositing a Check URL: https://www.onepay.com/help-center/articles/depositing-a-check Last updated: 2026-01-06 #### Can I deposit a check with OnePay? OnePay offers mobile check deposit to customers who receive $500 or more in monthly direct deposits. If you are eligible, tap [here](https://web.one.app/link/transfer/checkdeposit) to deposit a check. #### What are the mobile check deposit limits? Customers who receive $500 or more in monthly direct deposits for less than 3 consecutive calendar months: - Daily total and per check: $500 - Weekly: $1,000 (rolling 7-day period) - Monthly: $2,000 (rolling 30-day period) Customers who receive $500 or more in monthly direct deposits for 3 or more consecutive calendar months: - Daily total and per check: $2,000 - Weekly: $5,000 (rolling 7-day period) - Monthly: $10,000 (rolling 30-day period) #### How can I access mobile check deposit? Customers who receive $500 or more in monthly direct deposits are eligible for Mobile check deposit. If eligible, Mobile check deposit will automatically be turned on for your account.  To deposit a check: - Endorse (sign) the back of the check - Open the OnePay app - Select Cash Control - Choose Deposit Check - Enter the amount of the check - Select where you want to deposit the check - Tap Continue - Tap on the Front of check and Back of check and follow the instructions to take pictures of the check you are depositing - If you have trouble taking pictures of the check that are accepted by the app, try the following: - Center the check on a solid dark surface - Make sure you have plenty of light - Make sure the entirety of the check is pictured within the frame on the screen - Tap Continue - Tap Yes to confirm the deposit information is correct or tap Make a change You can also tap [here](https://web.one.app/link/transfer/checkdeposit) and follow the steps above to deposit a check in the OnePay app. #### I can’t deposit my check in the app. Is there another option? If you're having trouble depositing your check in the app, you may still be able to cash it at Walmart. Once you’ve cashed your check, you can add the funds to your OnePay deposit account. #### How do I check the status of a check I deposited? You'll receive a confirmation email that we received your check. To check the status of a mobile check deposit in the OnePay app: - Navigate to the section where the check was deposited - Select the check deposit transaction from your activity to view the status of the check Shortly after your check is reviewed, the OnePay app will display the date your funds will be available. Funds availability may take up to 5 business days after approval. --- ### Depositing cash URL: https://www.onepay.com/help-center/articles/depositing-cash Last updated: 2026-04-28 #### Where can I deposit cash? You can deposit cash fee-free into your OnePay account at any Walmart in the United States, as well as CVS, Dollar General, and other participating locations. Tap Cash Control from the Home screen of your OnePay app, then select Deposit Cash to see participating retailers. To learn about withdrawing cash from your OnePay account, check out our support article on [Getting Cash](https://www.onepay.com/help-center/articles/getting-cash?from=products). #### How do I deposit cash with my OnePay Debit Card or Builder Card? - To view nearby deposit locations in the app, open Cash Control in the OnePay app - Select Deposit cash - Enable your location services or enter your zip code - You’ll see a list of nearby locations where you can make free cash deposits to your OnePay account - Take your OnePay Debit Card or Builder Card to any cashier or customer service desk - Let the retailer know that you would like to deposit cash into your OnePay account and the amount - Insert your OnePay Debit Card or Builder Card and enter your PIN in the register’s PIN pad - Hand your cash to the retailer and confirm the amount you are depositing in the register’s PIN pad Once the transaction is complete, your funds will be available in your Checking balance. #### How do I deposit cash using my OnePay app? If you don’t have your OnePay debit card, you can generate a barcode in the OnePay app to deposit cash at Walmart, CVS, Dollar General, and other participating retailers: - Open Cash Control in the OnePay app - Select “Deposit cash” - Enable location services if prompted or input your zip code - Select the merchant you’d like to visit to deposit cash - Show the barcode that is displayed to a cashier at Walmart, CVS, Dollar General, or another participating retailer - If your barcode expires, just repeat these steps to generate a new barcode - The retailer will scan your barcode and confirm the amount you are depositing _(valid ID needed)_ Once approved, hand the retailer your cash, and the funds will be deposited. You can also tap [here](https://web.one.app/link/balanceCashControlSheet) and select the Deposit Cash icon to deposit cash in the OnePay app. #### Is there a limit to how much cash I can deposit? Each retailer has their own limit for depositing cash via barcode and swipe. Check for specific limits just below the merchant name in the OnePay app. #### Are there any fees to deposit cash into my OnePay account? There are no fees for depositing cash into your OnePay account. #### Can I deposit cash into my OnePay deposit account using an ATM? No, cash deposits can only be made using your OnePay debit card or an in-app generated barcode at US Walmart, CVS, Dollar General, and other participating retailers. Tap Cash Control from the Home screen of your OnePay app, then select Deposit Cash to see participating retailers near you. #### Where can I see locations where I can make cash deposits? To view nearby deposit locations in the app: 1. Open **Cash Control** in the OnePay app 2. Select **Deposit cash** 3. Enable your location services or enter your zip code You’ll see a list of nearby locations where you can make free cash deposits to your OnePay deposit account. --- ### Direct Deposit URL: https://www.onepay.com/help-center/articles/direct-deposit Last updated: 2026-08-12 #### What is a direct deposit? Direct deposit is an automated payment method where funds, such as paychecks, gig platform payments, retirement payments, or government benefits like unemployment payments or Social Security, are electronically transferred to your account. Spark Driver earnings, @Work Instapays, and @Work Save contributions are also considered direct deposits. Payments or transfers through person-to-person providers such as Venmo, PayPal, Apple Cash, or Cash App are not considered a direct deposit. Cash deposits, mobile check deposits, wire transfers, One to One transfers, and ACH funding or debit card funding transfers initiated from the OnePay app also do not qualify as direct deposits. #### How do I set up my direct deposit? You can set up direct deposit through the OnePay app or through your employer’s payroll provider. **Set up direct deposit in the OnePay app:** 1. Select **Cash Control**. 2. Select **Direct Deposit**. 3. Select **Find Your Employer**. 4. Follow the on-screen instructions to select your employer, where you want your funds deposited, and how much of your paycheck you want deposited into OnePay. **Set up direct deposit through your employer:** Some employers or payroll providers require you to set up direct deposit through their payroll system. You may need to provide the following information: - **Account and routing numbers:** Tap[ here](https://web.onepay.com/link/profile/directdeposit) to view your account information. - **Bank name:** OnePay - **Bank address:** P.O. Box 513717, Los Angeles, CA 90051 - **Account type:** Checking Make sure you select **Checking**, not Savings, when providing your OnePay account and routing numbers. You can also tap[ here](https://web.onepay.com/link/profile/directdeposit) to set up direct deposit. It may take 1-2 pay cycles for your employer to update your direct deposit information. If you haven’t received your direct deposit within 2 business days after your employer sent it, contact your payroll provider directly. #### How do I get paid early? OnePay will post your direct deposit as soon as we receive it, up to two days early (3 days early from limited employers), based on when we receive the funds from your employer or the other sender. The timing of your deposit depends on when the sender initiates the payment to your OnePay account, which means that your direct deposit may not arrive early every paycheck. Direct deposits are posted Monday through Friday, excluding federal holidays. OnePay does not have insight into where your direct deposit may be in this process until we post it to your account. #### What are the perks of setting up direct deposit? If you receive $500 or more in eligible direct deposits per month, you will unlock the following additional benefits: - Up to $200 in Fee-Free Overdraft Protection - Mobile Check Deposit - OnePay Cash Advance - 3% cash back in OnePay Points on qualifying non-Walmart purchases made with their CashRewards Credit Card through December 31, 2026 #### How is my direct deposit applied once it reaches my OnePay account? When your direct deposit arrives in your OnePay deposit account, the funds are automatically applied to certain balances and transfers in a set order, if applicable. This helps keep your account up to date and allows scheduled activity to continue when funds are available. Your deposit is applied in the following order: 1. **OnePay Advance Repayment:** _Funds are used to repay any outstanding OnePay Advance balance._ 2. **Fee-Free Overdraft Balance:** _Funds are used to reduce any negative Checking balance._ 3. **Pay Autosave Transfer:** _Funds are used to complete your Pay Autosave transfer, if set up._ 4. **Scheduled or Recurring Transfers:** _Funds are used to complete any scheduled or recurring transfers, including transfers within OnePay or to external accounts._ 5. **Invest Recurring Buys:** _Funds are used to complete any recurring investment purchases._ 6. **Crypto Recurring Buys:** _Funds are used to complete any recurring crypto purchases._ **Important**: If your deposit is not enough to cover all items, funds are applied in this order until the deposit is used up. Lower-priority items may not be completed. #### Why is my direct deposit not correctly recognized? If your direct deposit is not being correctly identified by OnePay, please contact [OnePay Customer Service](https://www.onepay.com/help-center/articles/contacting-onepay-customer-service) or type “Agent” in Chat to be connected to a OnePay Specialist. #### **How long does it take to receive my direct deposit after switching to OnePay?** Your employer may take 1–2 full pay cycles to update your direct deposit information. This means your first direct deposit to OnePay may not arrive until your next payday or the following one. Your paycheck may continue to be deposited into your previous account while your employer processes the change. Make sure your employer has the correct routing number, account number, and account type. Your OnePay account type should be listed as **Checking**. Once your employer sends your direct deposit, eligible deposits may arrive up to 2 days before your scheduled payday. The timing of your deposit depends on when OnePay receives the payment information from your employer or payroll provider. If your direct deposit hasn’t arrived after two pay cycles, contact your employer or payroll provider to confirm that your updated information was processed. You can check your deposit history[ here](https://web.onepay.com/link/debittransactionactivity). #### **When will I get my social security deposit?** Per the published [SSA payment schedule](https://www.ssa.gov/pubs/EN-05-10031-2026.pdf), your next payment will arrive on your regular SSA date: - Born 1–10: 2nd Wednesday - Born 11–20: 3rd Wednesday - Born 21–31: 4th Wednesday - SSI: typically a few days before the 1st (if that day falls on a holiday, it will arrive the next business day) As soon as we receive it from the SSA, it posts immediately. We do not hold funds.   You can view your deposit history [here](https://web.onepay.com/link/debittransactionactivity). #### **How do I set up direct deposit using a direct deposit form?** If your payroll provider requires a completed direct deposit form or voided check, you can download a prefilled form in the OnePay app: 1. Select **Cash Control**. 2. Select **Direct Deposit**. 3. Select **Send form to employer**. 4. Select **Send form**. You can also tap[ here](https://web.onepay.com/link/profile/directdeposit) to set up direct deposit. If needed, you can manually download and complete the direct deposit form attached below. 1. Enter your name and the account number for the pocket where you want to receive your direct deposit. 2. Select how much of each paycheck you want deposited into your OnePay account, then enter the remaining requested information. 3. Enter your employer’s name, then sign and date the form. If you have questions about information specific to your employer or payroll provider, contact them directly. 4. Once the form is complete and signed, provide it to your payroll provider. > [Attachment: OnePay Direct Deposit Form.pdf] --- ### Getting cash URL: https://www.onepay.com/help-center/articles/getting-cash Last updated: 2026-06-03 #### Where can I withdraw cash from my OnePay account? You can withdraw cash from your OnePay deposit account in the following ways: - At any US Walmart location using your OnePay Debit Card at a Walmart cashier, Money Center, or Customer Service desk. You can also withdraw cash at Walmart by generating a barcode in your OnePay app. - At most ATM locations using your OnePay Debit Card or Builder Card. ATM withdrawals are fee-free at 55,000+ Allpoint ATMs nationwide. A $3 OnePay Cash Out fee applies at ATMs outside the Allpoint network. Customers may also incur fees charged by the ATM operator. - At participating merchants when you make a purchase with your OnePay Debit Card or Builder Card at the register and select withdraw cash. #### Where can I find an ATM to withdraw cash from my OnePay account? You can find the location of an AllPoint ATM in the OnePay app. - From the Home screen, tap on the Cash Control tab - Scroll to the Cash withdrawals section - Select Find an ATM #### How do I withdraw cash with my OnePay Debit Card or Builder card at Walmart locations? To withdraw cash OnePay Debit card: 1. Take your OnePay Debit Card to any Walmart cashier, Money Center, or Customer Service desk 2. The Associate will ask you to insert your OnePay Debit Card and enter your PIN 3. Confirm the amount you are withdrawing on the PIN pad 4. Once the transaction has been completed, your funds will immediately be withdrawn from your OnePay Checking balance This service is not available at Sam’s Club or international Walmart locations. To withdraw cash with a Builder Card: The card cannot be swiped for cash withdrawals. Instead, you can use the barcode method available in the OnePay app when withdrawing cash at Walmart. #### How do I withdraw cash using my OnePay app at Walmart locations? 1. Open Cash Control in the OnePay app 2. Choose Withdraw Cash 3. Enter the amount you wish to withdraw 4. A barcode will be generated that you will take to a Walmart Money Center or Customer Service Associate 5. The Walmart Associate will scan your barcode and verify your identity* 6. Once approved, you will receive the requested cash for your withdrawal along with a receipt You can also tap [here](https://web.onepay.com/link/balanceCashControlSheet) in the OnePay app and then follow the steps above to withdraw cash. This service is not available at Sam’s Club or international Walmart locations. *You will need to verify your identity using an accepted form of government-issued ID, such as a state ID, driver’s license, military ID, OR a social security card along with a US government-issued picture ID or U.S. passport. #### What are the limits for cash withdrawals? Walmart locations: You can withdraw a maximum of $999.00 each transaction and cannot exceed $3,000 each day. ATMs: You can withdraw up to $500 a day. All cash withdrawals using your OnePay Debit Card, Builder Card, and virtual debit card count towards the $5,000 daily card spending limit.  You aren’t able to withdraw cash using a barcode if the amount requested dips into Fee-Free Overdraft Protection. #### Are there any fees for withdrawing cash? There are no fees for cash withdrawals at Walmart using your OnePay Debit Card or Builder Card. Additionally, ATM cash withdrawals are fee-free at 55,000+ Allpoint ATMs nationwide for all OnePay customers.  The following fees will apply when withdrawing cash: - ATM withdrawals outside the Allpoint network are subject to a $3 OnePay Cash Out fee. - Withdrawal of funds using the in-app generated barcode at Walmart is fee-free for OnePay Deposit account customers. For all customers, all International ATM withdrawals may be subject to foreign transaction fees. #### Summary of ways to get cash from your OnePay deposit account: | Method | Locations | Customers Banking through OnePay | OnePay Transaction Limits | | --- | --- | --- | --- | | Allpoint ATM withdrawal | [55,000+ Allpoint ATMs](https://allpoint.locatorsearch.net/) | $0 | $500 total ATM withdrawal limit | | Non-Allpoint ATM withdrawal1 | All banks, credit unions, and merchant ATMs | $3 Cash Out Fee | $500 total ATM withdrawal limit | | Barcode withdrawal at Walmart | Money Center, Customer Service | $0 | $999 per transaction, $3,000 daily | | Debit Card withdrawal at Walmart | Cashier, Money Center, Customer Service | $0 | $999 per transaction, $3,000 daily | 1. For all other ATM transactions, the Cash Out fee will apply and third-party ATM fees may be incurred. --- ### Global Transfers URL: https://www.onepay.com/help-center/articles/global-transfers Last updated: 2026-05-19 #### How does a Global Transfer work? Global Transfers, powered by MoneyGram®, allows you to send money to another person in over 140 countries and territories directly from the OnePay app. #### How do I set up a Global transfer? To set up a Global Transfer:  1. Open Cash Control in the OnePay app 2. Choose Global Transfer 3. Select a destination country, amount, and delivery method 4. Enter the recipient’s information - Name - Bank/Wallet info (if applicable) 5. Review the transfer; once the details are confirmed, select Done You can also tap [here](https://web.onepay.com/link/global-transfers/onboarding) to set up a Global Transfer in the OnePay app. Please note that fees, exchange rates, and available delivery methods will vary based on the country you are sending funds to and receive the currency used. #### What delivery options are available for Global Transfers? The method of delivery depends on the country and currency you select. Possible delivery transfer methods include a Bank Deposit, Cash Pickup, Mobile Wallet transfer, Send to debit card, and in some cases, home delivery. #### What recipient information do I need to send a Global transfer? You must enter the full legal name of the recipient exactly as it appears on their ID. You may be asked to enter banking or wallet account numbers, phone numbers, addresses, or Tax ID for certain types of transfers. #### How does my Global Transfer recipient get their money?  The delivery method of the transfer determines how the recipient will get the money. For a direct bank transfer, the money will be deposited directly into the recipient's bank account. For a cash pickup, the recipient must visit a [MoneyGram® location](https://www.moneygram.com/mgo/us/en/locations/) and provide the transaction’s reference number. #### How much does a Global Transfer cost?  Transfer fees will vary based on the country you are sending funds to and the delivery method. Fees will be immediately visible in the OnePay app when setting up a Global Transfer transaction. Some US states also charge taxes to the sender for international remittances. #### What is the exchange rate offered for Global Transfers? Exchange rates may vary based on the currencies involved and the delivery method selected. Customers can check the current exchange rate in the OnePay app before completing the transfer. #### How much can I send through Global Transfers?  Customers who receive $500 or more in monthly direct deposits are able to send up to $2,000 daily or $6,000 per month. All other customers can send up to $1,000 daily or $3,000 per month. #### Can I send a Global Transfer to non-OnePay customers?  You can transfer money to individuals that do not have an account with OnePay. #### When will the recipient of a Global Transfer get the funds?  Delivery of funds will vary depending on the country and delivery method you select. Cash pickup transactions will typically be available for pickup within 10 minutes after sending. You can check the availability date on your receipt in the OnePay app. You can also share relevant information, such as the reference number, with the recipient directly from the OnePay app. #### How do I track the status of a Global Transfer? You can track the status of your Global Transfer by selecting the Global Transfer from your Checking activity in the OnePay app. #### How do I cancel my Global Transfer? Cash pickup transactions can be canceled up until the recipient picks up the funds. Non-cash transactions can be canceled until the funds have begun the process of transmitting to the receiving bank or wallet. This timing will vary by destination. To cancel a transfer: 1. Open the OnePay app and tap Checking or Savings 2. Tap Checking and select the transaction 3. Select Cancel Transfer #### Can I send a Global Transfer to someone in the United States?  Global Transfer does allow you to send funds within the United States. Transfer fees will still apply. If you would like to transfer money domestically for free, we recommend you use One to One or Mail a Check. #### The recipient says they haven’t received the funds sent through Global Transfer, what do I do? Delivery of funds varies depending on the delivery method. If it has passed the estimated time, you may contact [MoneyGram®](https://www.moneygram.com/mgo/us/en/help/contact/) for additional support. #### Can I receive a Global Transfer from another country? Global transfers, powered by [MoneyGram®](https://www.moneygram.com/mgo/us/en/receive/), are designed to send funds to supported countries. If you need to receive funds from another country, they will need to be sent via [international wire](https://www.onepay.com/help-center/articles/receiving-wire-transfers). #### When sending a Global Transfer for Cash Pickup, does the receiver’s name have to match their government-issued ID exactly? The receiver’s name on the Global Transfer must match their government-issued ID exactly. If the recipient has an issue receiving their funds, please contact [MoneyGram®](https://www.moneygram.com/mgo/us/en/receive/). #### When sending a Global Transfer for Cash Pickup, can someone else pick up the Global Transfer? Transfers will not be paid out to anyone other than the recipient listed in the transfer details. If you would like to initiate the transfer to someone else, you can attempt to cancel the transaction and create a new one with the correct recipient information. #### I sent someone a Global Transfer and they are having issues receiving it, what do we do? If the recipient is having trouble accessing their funds, they should contact [MoneyGram®](https://www.moneygram.com/mgo/us/en/) for further assistance. --- ### Making a payment with a check URL: https://www.onepay.com/help-center/articles/using-mail-a-check-to-make-a-payment Last updated: 2026-01-22 #### How do I use Mail a Check? - Open Cash Control in the OnePay app - Select Mail a check - Enter the dollar amount of the check and select Continue - Enter the recipient’s name as it should appear on the check and their USPS-verified address - If the USPS-verified address is not correct, please check the address you entered and try again. We are only able to mail checks to addresses that are verifiable by USPS Once confirmed, the funds for the check will be immediately withdrawn from your Checking balance. The check will be mailed and should arrive within 5-7 business days. You can also tap [here](https://web.onepay.com/link/balanceCashControlSheet) and select the Mail a Check icon in the OnePay app. #### Is there a fee to send a Mail a Check? No, there are no fees for using Mail a Check. #### Who can I pay with Mail a Check? You can use Mail a Check to send a check to any person(s) or business with a United States or U.S. territory address verifiable by the USPS. #### What pockets can I Mail a Check from? You can only Mail a Check from funds available in your Checking balance. Remember, you can always move money for free into your Checking from your Savings balance. #### How do I Mail a Check to my own address that’s made payable to someone else? If you need a check made payable to a specific party but mailed to you, fill in the payee line during the check creation process as follows: Payee Name, C/O Your Name For the full address, enter your address. #### How long is the check valid? Checks issued are generally valid for 180 days from the date printed on the check. #### Can I track or expedite the shipping of my check? Checks will arrive to the recipient in 5-7 business days and cannot be expedited. All checks are sent by USPS First Class Mail, and tracking numbers aren’t available. #### How do I view the status of a check I mailed? To view the status of a check you mailed: - Tap Checking or Savings in the OnePay app - Tap Checking and select the check you want to view #### It's been longer than the timeline I was given for my check to be delivered, and the check still has not arrived. What can I do? Please reach out to [Customer Service](https://www.onepay.com/help-center/articles/contacting-onepay-customer-service) to initiate the stop payment process or say Agent in chat to be connected with a OnePay Specialist. #### How do I place a stop payment on a check I sent? As long as the check has not been cashed, we can place a stop payment. Contact our customer service team by saying agent and providing the check number, date, and amount. Keep in mind that requesting a stop payment on a check doesn't prevent the check from being delivered. Please let the recipient know that the check has been stopped and that the check will not be honored if they attempt to deposit it. #### Can I send a check internationally? Checks can only be sent to addresses within the United States or U.S. territories that are verifiable by the USPS. --- ### One to One URL: https://www.onepay.com/help-center/articles/one-to-one Last updated: 2026-05-19 #### What is One to One? One to One is a free and simple way for OnePay customers to send and receive money with friends, family or co-workers. Money sent through One to One can only be transferred to a OnePay deposit account. If the recipient does not have a OnePay deposit account, you can sync your contacts to send them money via One to One, but they must open a OnePay deposit account one within 10 days of the money being sent, or it will be returned to the sender. #### How do I get One to One? You only need to enroll once before transferring funds to someone. Existing OnePay customers do not need to enroll to receive funds. To enroll in One to One: - Select One to One from the Home screen Or - Open Cash Control in the OnePay app and select One to One - You will have the option to sync your current contacts - You will receive a username to share when using One to One - If you are sending funds to a recipient who hasn’t joined OnePay yet, you will need to sync your contacts - Click on Use One to One You can also tap [here](https://web.onepay.com/link/balanceCashControlSheet) and select the One to One icon in the OnePay app. #### How do I use One to One? To transfer funds instantly using One to One: - Select One to One from the Home screen Or - Open Cash Control in the OnePay app and select One to One - Identify the person you want to send funds to and the amount - Click on Send Cash You can also tap [here](https://web.onepay.com/link/balanceCashControlSheet) and select the One to One icon to transfer funds in the OnePay app. One to One transfers can only be transferred to a OnePay deposit account. If a recipient does not already have an account, you must sync your contacts to send them money via One to One. They must open an account within 10 days, otherwise the money will be returned to you. You are not able to use Fee-Free Overdraft Protection to send funds with One to One. You are not able to use Overdraft Protection to send funds with One to One. #### Are there any limits on how much I can send or receive with One to One? The amount of funds you are able to send and receive via One to One may vary depending on several factors, including but not limited to whether you receive $500 or more in monthly direct deposits and how long you have had your OnePay deposit account. We cannot increase your monthly limit at your request. #### Can I cancel a One to One payment I sent to someone outside OnePay ? You can cancel an external One to One payment within 10 days of sending it or until the recipient accepts it. To cancel your One to One payment: 1. Navigate to the Checking section of your OnePay app. 2. Under the activity ledger, tap on the One to One transfer you wish to cancel. 3. Tap on **Cancel Payment.** 4. Select **Yes, cancel **from the cancel payment confirmation box **Note**: - The Cancel Payment button will only appear if the payment has not been accepted. - If the payment has not been accepted for up to 10 days, it will be canceled automatically. - The transaction will disappear from the activity ledger after successful cancellation. #### How to send money safely with One to One? One to One is a way to instantly send money from your account to your friends and family. It's important that you only send money to people you trust. You should verify and double-check the recipient information before confirming a payment, and it’s best not to exchange payments with people you do not know #### Does One to One offer purchase protection? One to One does not offer purchase protection. You should be aware of payment scams and fraud schemes. One to One should not be used to pay people you do not know personally. #### I was tricked into sending a One to One payment; what do I do? If you were tricked or persuaded into authorizing a One to One payment and did not receive what was expected, this may be considered a scam. Since you authorized the payment, you may not be able to get your money back. [Contact our customer support](https://www.onepay.com/help-center/articles/contacting-onepay-customer-service) or say Agent in chat as soon as possible and report the transaction if you fell victim to a scam. #### I did not send this One to One payment; what do I do? If you suspect fraud on your account, follow the steps outlined here: [Disputes](https://www.onepay.com/help-center/articles/disputes). You can also say "File a Dispute" in chat. --- ### Paying a Bill (Bill Pay) URL: https://www.onepay.com/help-center/articles/paying-a-bill-bill-pay Last updated: 2026-05-19 #### What is Bill Pay? Bill Pay is a service that allows you to pay your bills in the OnePay mobile app. You can select from thousands of billers or add a provider that isn’t in the directory. The Bill Pay feature in the OnePay app is powered by Papaya Pay. #### How do I access Bill Pay? - Open Cash Control in the OnePay mobile app - Choose Pay Bill - Follow the on-screen prompts to pay a listed merchant, scan a bill using your phone camera, upload a photo from your phone, or add your provider details manually You can also tap [here](https://web.onepay.com/link/billpay) to access Bill Pay in the OnePay app. #### How does Bill Pay work? When you send a Bill Pay payment to a merchant or company listed in the biller directory, an electronic payment is sent to them on the payment date. If you enter a provider manually, a check will be mailed to them via USPS mail. The funds for the bill payment will be deducted from your Checking balance as soon as you submit the payment. You can send a bill payment right away or schedule it up to 6 months in advance. If you schedule a bill payment in the future, the funds will not be withdrawn from your account until the scheduled payment date. #### How long does it take to process a payment made with Bill Pay? Bill Pay payments will be processed on the scheduled date and payment will be made directly to the provider from your Checking balance. - If you select a provider from the Bill Pay directory, the payment will be processed electronically and should arrive within 1-3 business days. - If you manually enter the provider’s information and send a check payment, the payment will be mailed via USPS mail and will generally be received within 5-10 business days. #### How do I check the status of my Bill Pay? You can check the status of your payments in the Bill Pay section of the OnePay app and in the details of the Bill Pay transaction in the Checking section of your account. Tap [here](https://web.onepay.com/link/billpay) to access Bill Pay in the OnePay app. #### How can I cancel or edit a scheduled Bill Pay? You can cancel a scheduled Bill Pay up until the payment is processed. If available, you will be able to cancel the bill payment from the Bill Pay section of the OnePay app. Tap [here](https://web.onepay.com/link/billpay) to access Bill Pay in the OnePay app. #### Can I schedule a recurring Bill Pay? You cannot schedule a recurring Bill Pay; however, you can schedule a Bill Pay payment for a specific date or up to 6 months in the future. #### Do I have to pay a fee for Bill Pay? OnePay does not charge any fees for using the Bill Pay feature in the OnePay app. --- ### Receiving Wire transfers URL: https://www.onepay.com/help-center/articles/receiving-wire-transfers Last updated: 2026-07-08 #### Can I receive a domestic wire transfer? Your OnePay deposit account can receive wire transfers. To know which wire instructions you should use, you must first determine whether your banking services are provided by Coastal Community Bank or Lead Bank. You can do this by following these steps: - Open the OnePay app - From the home tab, select Banking - Select the settings icon in the upper-right corner - At the bottom of the screen,  you will see one of the following: - Banking services are provided by **Coastal Community Bank**, member FDIC. - Banking services are provided by **Lead Bank**, member FDIC. In order to receive a domestic wire, the sender needs to include the following information: **Coastal Community Bank** - The account number for the receiving pocket - Receiving Bank ABA/Routing Number: 125109006 - Receiving Bank name: Coastal Community Bank - Bank address: 5415 Evergreen Way, Everett, WA 98203  - Note: Do not send any mail/checks/etc. to this address **Lead Bank** - The account number for the receiving pocket - Receiving Bank ABA/Routing Number: 101019615 - Receiving Bank name: Lead Bank - Bank address: 1801 Main St, Kansas City, MO 64108  - Note: Do not send any mail/checks/etc. to this address #### What information do I need to receive an international wire? Similar to domestic wires, the information needed to receive a wire transfer is dependent on whether your banking services are provided by Coastal Community Bank or Lead bank. You can determine whether your banking services are provided by Coastal Community Bank or Lead Bank by following these steps: - Open the OnePay app - From the home tab, select **Banking** - Select the settings icon in the upper-right corner - At the bottom of the screen,  you will see one of the following: - Banking services are provided by **Coastal Community Bank**, member FDIC. - Banking services are provided by **Lead Bank**, member FDIC. **Coastal Community Bank** You will need to provide the sender with the following to receive an international wire transfer: - Correspondent/Intermediary Bank: SWIFT: PCBBUS66 - ABA/Routing Number: 121042484 - Correspondent/Intermediary Bank Name: Pacific Coast Bankers Bank - Correspondent/Intermediary Bank address: 1676 N. California Blvd, Suite 300, Walnut Creek, CA 94596 - Note: Please do not send any mail/checks/etc. to this address - Receiving Bank ABA/Routing Number: 125109006 - Receiving Bank name: Coastal Community Bank - Receiving Bank address: 5415 Evergreen Way, Everett, WA 98203 - For Further Credit To: Your name and OnePay deposit account number Please note that Pacific Coast Bankers Bank is our intermediary bank. They will receive international wires first before forwarding the information on to Coastal Community Bank and, ultimately, OnePay. **Lead Bank** Prior to receiving an international wire, you will need to verify that the foreign bank has a correspondent/intermediary bank to handle the wire. The correspondent/intermediary bank will need the following information: - Receiving Bank ABA/Routing Number: 101019615 - Receiving Bank name: Lead Bank - Receiving Bank address: 1801 Main St, Kansas City, MO 64108 - For Further Credit To: Your name and OnePay deposit account number #### Can I send a wire transfer? Although you can receive wire transfers to any of your pockets, you cannot send a wire transfer from your OnePay deposit account. #### Are there fees to receive a wire transfer? OnePay does not charge fees to receive either a domestic or international wire transfer. #### How long do Wire Transfers take? Funds from domestic wires will be made available on the business day they are received, or on the effective date of the transfer or payment if later than the business day received. This means domestic wires sent to OnePay **before 5:00 p.m. ET** will generally be posted by the end of that business day. Wires sent **after 5:00 p.m. ET** may not post until the following business day. International wires sent to OnePay can take a few business days to post to a customer’s account as they are often sent through intermediary financial institutions from various time zones and may require currency conversions. We will reach out to you via email if we need more information. --- ### Transfers URL: https://www.onepay.com/help-center/articles/transfers Last updated: 2026-06-15 There are many options when it comes to transferring money in and out of your OnePay Checking and Savings. #### Summary of ways to transfer funds ##### **Type of Transfer** ##### **External Bank Transfers** | **Method** | **Timeframe** | **Possible Fees** | | --- | --- | --- | | Deposits initiated from your OnePay account where funds are transferred from an external account to your OnePay deposit account To learn how to link an account to your OnePay deposit account, [click here](https://www.onepay.com/help-center/articles/linking-accounts). | Transfers initiated from your OnePay account for deposit are processed the same day. Once sent, funds will typically arrive within 1-3 business days. | No Fees | | Withdrawals initiated from your OnePay account where funds are transferred from your OnePay deposit account to an external bank | The transfer process begins immediately, and it usually takes 1-3 business days for the funds to arrive at your external bank account. | No Fees | #### Will I receive notifications about transfers on my account? OnePay customers may receive alerts regarding actions taken on their account. To receive and action these alerts, turn on notifications during account setup or in your phone's settings. ##### External transfers to and from a linked account Transfers initiated within the OnePay app where funds are transferred from a linked bank to your OnePay deposit account take between 2 and 5 business days. Transfers initiated within the OnePay app where funds are transferred from your OnePay deposit account to a linked bank usually take 1-3 business days to arrive at your external bank account. Most banks will allow you to send money to your OnePay deposit account. These transfers, initiated from an external bank, typically take between 1 and 3 business days. For transfers initiated from an external bank where funds are being withdrawn from your OnePay deosit account, OnePay will transfer the funds out of your OnePay deposit account right away; however, the receiving bank may take several days to make the funds available. #### Can I cancel a transfer to and from a linked account? Pending transfers can be canceled in the OnePay app: - Navigate to the section or pocket where you initiated the transfer and select the transfer - If the transfer can be canceled, the transfer summary will show the transfer as **PENDING ** - If the transfer cannot be canceled, the transfer summary will show that the transfer is **IN PROGRESS** and unable to be canceled - Click on the Cancel Transfer button - You will receive a pop-up confirmation message that your transfer has been canceled #### What are my Instant Transfer limits? **Instant Transfer from OnePay to an external account (Debit OCT)** - Send up to 10 transactions per day - First 30 days after account opening – send up to $2,500 during the first 30 days - Users who have received eligible direct deposits of $500 or more per month for three consecutive months – send up to $10,000 per month (rolling 30 days) - All other OnePay customers – send up to $5,000 per month (rolling 30 days) **Instant Transfer to OnePay from an external account (Debit AFT)** - Instant Transfers from a linked debit card or digital wallet to a OnePay deposit account are limited to a maximum of $10,000 per month (rolling 30 days). - $1 minimum transfer amount (first 30 days after Account opening) - $25 transaction minimum (starting 31 days after Account opening) #### Why was my transfer canceled? Sometimes financial institutions can’t allow us to verify your balance via Plaid or Mastercard Data Connect. If we are unable to verify the funds, the transfer will be canceled. Make sure the external account has sufficient funds when you initiate the transfer. Additionally, recurring transfers will be cancelled after 4 consecutive failures and will have to be set up again. ##### Instant transfers to and from a linked debit card #### How do I link a debit card to my OnePay deposit account? To link a debit card: 1. Select **Cash Control** in the OnePay app 2. Choose **Linked accounts** 3. Tap **Add a debit card** 4. Enter your debit card number, expiration date, and security code or scan your debit card **NOTE:** Any Visa or Mastercard debit product can be used for instant transfers, also known as Debit OCT. Discover and American Express debit products are not supported. 5. Select **Add Debit card**, and you will see your new debit card linked and available to transfer funds instantly You will now see your linked debit card as an account option when initiating a transfer. #### Are there any fees to use the Instant transfer feature? Instant Transfers sent from a linked debit card to your OnePay deposit account are fee-free. Instant Transfers sent from your OnePay deposit account to a linked debit card are charged a Bank transfer to a linked account via Debit OCT (Instant Transfer) Fee of 1.75% of the total transfer amount, with a minimum fee of $0.25 per transaction. #### Is there a minimum amount for Instant Transfers into OnePay? There is a minimum transfer amount of $1 for Instant Transfers into OnePay during the first 31 days after account opening. After that, a $25 minimum applies to incoming transfers from a linked debit card or digital wallet. #### How do I transfer money between Checking and Savings? To transfer funds between your OnePay Savings and Checking balances: - Open the OnePay app - _Tap on Move Money from the home screen_ _OR_ - Go to  **Cash Control **and tap on **Move Money** - Choose **Internal Transfer** - Enter the amount and select the source where the funds are coming from - Select **Continue** and choose the destination - Select **Transfer** You can also tap [here](https://web.onepay.com/link/balanceCashControlSheet), select **Transfer**, and follow the on-screen instructions in the OnePay app. #### **How do I use Apple Pay to add money?** To add money to your account instantly using digital wallets like Google Pay or Apple Pay: - Open the OnePay app - _Tap on Add Money from the home screen_ _OR_ - Go to  **Cash Control **_and select _***Add Money*** - Enter the amount you wish to transfer and select the appropriate destination Select the connected digital wallet from the **Add money from** list and follow the on-screen instructions #### **Why can’t I use my Capital One debit card to receive instant transfers from OnePay deposit account?** Only Visa and Mastercard debit cards are currently eligible to receive instant transfers from OnePay deposit account. Some Capital One debit cards have moved from Mastercard to the Discover network, so they are not eligible to receive instant transfers. If your card isn’t eligible, you can still add money by: - Linking a bank account - Using an eligible Visa or Mastercard debit card If instant transfer isn’t available, you’ll see other funding options in the app. #### Why am I being asked to send money from my external bank instead of adding it in the app? For your security, some transfers must be initiated from your external bank account. If you see this message, follow these steps: 1. Sign in to your other bank's app or website. 2. Add OnePay as a recipient using the routing and account number displayed in the OnePay app. 3. Send the transfer from your bank to OnePay. Once the transfer is initiated from your other bank, the funds will be deposited into your OnePay account. --- ## OnePay Loans ### OnePay Loans URL: https://www.onepay.com/help-center/articles/onepay-loans Last updated: 2026-05-19 As of May 12, 2025, OnePay Loans are no longer available for new purchases at Walmart. If you have an existing OnePay Loan, you can still manage your loan and stay on top of your payments in the OnePay app. This article explains how your loan works and where to find important details like your payment schedule.  For our current loan offering, visit [About OnePay Later powered by Klarna](https://www.onepay.com/help-center/articles/about-onepay-later-powered-by-klarna) to learn more. #### How can I view my loan info in the app? To view your loan info in the OnePay app: - Open the OnePay app - Select the Home tab - Select the Loan from the list - Select the Settings button - Scroll to the bottom of the page to see the loan terms (purchase total, APR, and duration) #### What payment methods are accepted? You may make a payment to your loan directly from your OnePay deposit account, with a linked debit card, or an ACH transfer from a linked bank account. If an initial payment is required, you may pay that from your OnePay deposit account, or with a linked debit card. #### How do I make a loan payment? To make the next payment due for a loan(s): 1. Tap on Loans from your home tab in the OnePay app 2. Select Pay (Pay early if your payment has already been met) next to the loan you wish to make a payment for 3. Follow the on-screen instructions to complete your payment If you pay more than your payment amount, it will be applied to the principal balance. #### Why does my loan balance increase every day?  OnePay uses the daily simple interest method to calculate interest. This means that interest accrues daily on your outstanding loan amount. #### How can I view my previous loans that have been paid off? You can access paid off loans in the OnePay app. To view your paid off loans, follow these steps: 1. Tap the profile button at the top right to access your Profile in the OnePay app 2. Tap Documents, then Past loans 3. Select the corresponding loan you wish to view #### Where can I find my payment schedule details? Your loan schedule is sent to you via email when your loan has been processed. You may also view your next payment in the OnePay app. #### How can I set up autopay?  To set up Autopay: 1. Tap on Loans from your home tab in the OnePay app 2. Select the loan you wish to set up Autopay for 3. Select settings and turn on Autopay - You will then be prompted to select your payment source for your loan Autopay. #### How do I change the payment method for my Autopay? To change your payment method for Autopay 1. Tap on Loans from your home tab in the OnePay app 2. Select In Progress, then select the loan you wish to update your payment method 3. Select the arrow next to Autopay On 4. Select the arrow next to your current payment method, then select where you’d like your Autopay payment to come from. #### Can I pay early or pay more than my scheduled payment?  You can make a payment before your due date by logging into your OnePay account and selecting the Pay or Pay Early button on the specific loan you would like to make a payment on. Payments in excess of your monthly payment amount will go toward your loan balance to pay your loan down faster, but you may still be required to make a payment the following month. There are no fees or penalties for paying off your loan early, and you may pay less total interest. #### What if I have loan payment issues?  If your payment was declined, please select a different payment option. You can transfer funds from your OnePay deposit account, link an external debit card, or transfer funds from your bank for payment.  If you overpaid a scheduled payment, that extra amount will go towards your total loan balance, but you may still be required to make a payment the following month. There are no fees or penalties for paying off your loan early. #### How do I dispute the purchase I made with a loan? If you have issues with your order, we recommend contacting Walmart to resolve your concern. You can also dispute a purchase made with your loan by contacting OnePay Customer Service by following this link [here](https://www.onepay.com/help-center/articles/contacting-onepay-customer-service), or say File Dispute in chat. #### How do I dispute a payment? You may dispute a payment on your loan by contacting OnePay Customer Service [here](https://www.onepay.com/help-center/articles/contacting-onepay-customer-service) or saying File Dispute in chat. #### What account should I look for on my credit report? Your loan should show up as “OneProgress Services LLC or One/CCB” on your credit report. CCB stands for Coastal Community Bank, which partners with OnePay to provide the loan to you. #### When do you report to the credit bureau? Each OnePay loan account is reported monthly to the credit bureaus. #### Why does my credit report not show as paid for the most recent month? It may take a few weeks for credit bureaus to update your credit reports. They are not a real-time picture of what your credit looks like now. #### What should I do if I see incorrect information on my credit report? If you see something that isn’t accurate on your credit report, you can dispute it by contacting the creditor directly or by contacting any of the three major credit bureaus.   To submit a credit reporting dispute with OnePay, please contact the [Customer Service](https://www.onepay.com/help-center/articles/contacting-onepay-customer-service) team or say Agent in chat to speak with a OnePay Specialist. Credit bureau reporting disputes and documentation can be mailed to OnePay, PO Box 513717, Los Angeles, CA 90051-3717. #### What will happen if I can’t pay my loan? A late fee of $5 will be applied to your loan. Since OnePay uses the daily simple interest method to calculate interest, interest accrues daily on your outstanding loan balance. As a result, late or partial payments may increase the overall cost of your loan. Additionally, late payments may be reported to the credit bureaus. --- ## Savings and Goals ### Accessing Your OnePay Deposit Account Funds Without a Card URL: https://www.onepay.com/help-center/articles/accessing-the-funds-in-your-onepay-deposit-account-without-your-onepay-card Last updated: 2026-07-01 #### How do I access the money in my OnePay deposit account without my OnePay Debit Card or Builder Card? While you wait for your OnePay Debit Card or Builder Card to arrive, or if you prefer to go cardless, you can access the money in your OnePay deposit account in many ways, including the following: - Virtual Card - Barcode Cash Withdrawal at Walmart - Transfer funds to/from an external account - Peer-to-peer payment apps #### Virtual Card All customers who bank through OnePay have a virtual debit card that is connected to their Checking balance. You can use your virtual card anywhere you can enter card information to complete a purchase. You can also add your virtual card to your digital wallet to make contactless purchases in person. #### Where is my virtual debit card? To see your virtual card information: - Tap Checking or Savings in the OnePay app - Tap the card icon at the top right - Tap “Virtual debit card” - Toggle the "Show card number" button ON [**How to view your virtual card**](https://www.youtube.com/shorts/rZE8vq5wEKg) #### How do I add my virtual debit card to my mobile wallet? To add your OnePay virtual debit card to Apple Pay on an iPhone: - Open the OnePay app. - Go to **Home** > **Checking** > **Card Details**. - Tap **Add to Apple Wallet**. - Follow the on-screen prompts to complete setup. If your card has already been added to Apple Pay, **Added** will appear on the **Card Details** screen. To add your OnePay virtual debit card to Google Pay on an Android device: - Open the OnePay app. - Go to **Home** > **Checking** > **Card Details**. - Tap **Add to Google Pay**. - Follow the on-screen instructions to complete setup. If your card has already been added to Google Pay, you'll see **Added** on the **Card Details** screen. You can add your OnePay virtual debit card to a digital wallet in the OnePay app by tapping [here](https://web.onepay.com/link/balanceCashControlSheet) and selecting Add to Apple Wallet or Google Pay. To add your OnePay virtual debit card to Samsung Pay - Open the Samsung Pay app on your phone - Tap Menu on the top-left and tap Cards - Tap Add Cards and then Add Credit/Debit card - Follow the on-screen prompts #### Barcode Cash Withdrawal You can use your OnePay app to generate a barcode which can be used to withdraw cash at participating Money Centers or Customer Service Desks at Walmart. #### How do I withdraw cash using a barcode at Walmart? You can withdraw cash from your OnePay deposit account without your Debit Card or Builder Card using Barcode Cash Withdrawal: - Open Cash Control in the OnePay app - Choose Withdraw Cash - Enter the amount you wish to withdraw - A barcode will be generated that you will take to a Walmart Customer Service or a Money Center Associate - The Walmart Associate will scan your barcode and verify your identity* - Once approved, you will receive your requested cash along with a receipt for your transaction You can also tap [here](https://web.onepay.com/link/balanceCashControlSheet), then tap the Withdraw Cash icon and enter the amount. *You will need to verify your identity using an accepted form of government-issued ID, such as a state ID, driver’s license, military ID, OR a social security card, along with a US government-issued picture ID or U.S. passport. #### Transfer funds To transfer funds to an external account, you will need to link the account to your OnePay deposit account. #### How do I link my external account to my OnePay deposit account? To connect your external bank to OnePay: - Open Cash Control in the OnePay app - Select Linked Accounts - Select Add Bank Account - You should see a popup: OnePay uses Plaid or Mastercard Data Connect to link your bank - Select: Get started - Use the search field to find your external bank and enter your login credentials for your external account to finish the process You can also tap [here](https://web.onepay.com/link/balanceCashControlSheet) and select Add Bank Account. Then select Get Started and use the search field to find your external bank and enter your login information. Typically, transfers out of your OnePay deposit account take 1-3 business days, while transfers into your OnePay deposit account take 2-5 business days.  Please be sure that any external accounts connected to your account are in your name. For additional information, check out our support article on [Linking Accounts](https://www.onepay.com/help-center/articles/linking-accounts). #### How do I use OnePay with peer-to-peer payment apps like Zelle, Cash App, Venmo, and others? You can send funds to and from your OnePay account using peer-to-peer payment apps such as Cash App, Venmo, Paypal, and others by linking your OnePay Debit Card or account and routing numbers.  OnePay does not charge any fees for peer-to-peer transfers, but the peer-to-peer service may. We are not directly integrated with Zelle. As a result, some transfers to and from your OnePay deposit account may not be supported. You may not be able to use your Builder Card for peer-to-peer payments; Builder Card customers can use their virtual debit card instead. --- ### Checking, Savings, and Goals URL: https://www.onepay.com/help-center/articles/spend-savings-and-goals Last updated: 2026-05-19 #### What are the differences between Checking, Savings, and goals? When you open a OnePay deposit account, you will automatically have a Checking and a Savings section to hold your funds.  The Checking section of your account is connected to your OnePay card and is designed to hold funds that you will be spending soon. Money in your Checking section does not accrue interest.  The Savings section of your OnePay deposit account is a place to keep funds you want to save and do not plan to spend in the near term. Money in your Savings section will earn interest.  In your Savings section, you will have a Primary Savings with your first name on it, and if enrolled, a [Pay Autosave](https://www.onepay.com/help-center/articles/saving-with-pay-autosave) or @Work Save. You can also create up to three goals to help track your savings progress. Money in your Savings section may earn up to 3.35% Annual Percentage Yield (APY). #### How do I create a goal? To create a goal: 1. Open the OnePay app and tap **Checking or Savings** 2. Tap **Savings** and then select **Set a goal** If you already have 3 goals set up, you won’t see an option to set a goal unless you delete one of your existing goals. #### How many goals can I have? You can set up to three (3) goals in your custom savings pockets. --- ### Round-Ups URL: https://www.onepay.com/help-center/articles/round-ups Last updated: 2026-06-17 #### What are Round-ups? Round-ups are an easy way to save or invest every time you use your OnePay Debit Card or Builder Card. When turned on, every purchase you make is rounded up to the next whole dollar. - If the purchase has spare change, that amount is used. - If it doesn’t, a full dollar will be applied. Round-ups happen when card transactions post to your account and are transferred at the end of each day in a single transaction. You can choose to have your Round-ups go into: - **Savings** – moved into your Primary Savings balance - **Crypto** - **Invest** – invested into a stock or ETF you select #### How do I turn Round-ups on or off? You can easily enable or disable Round-ups in the OnePay app: 1. Open the OnePay app 2. Select Checking from the Home tab 3. Tap on the Settings icon 4. Select Round-Ups 5. Use the slider next to Round-ups to turn it On/Off You can also tap [here](https://web.onepay.com/link/balance/roundups?query=round) to turn Round-ups on or off. #### How do I view my Round-ups? Round-ups are moved to your chosen destination (Savings, Crypto, or Invest) the day after your purchase. To view them: 1. Open **Primary Savings** in the app 2. Select **Round-ups** to see your history Tap [here](https://web.onepay.com/link/balance/roundups?query=round) to view your Round-ups. #### Round-ups to Savings When you choose Savings, your spare change is moved into your Primary Savings balance. #### Round-ups for Crypto Round-ups to Crypto let you automatically invest your spare change into cryptocurrency every time you use your OnePay Debit Card or Builder Card. **To set up Round-ups for Crypto:** 1. Open the OnePay app 2. Select **Checking or Savings** from the Home tab 3. Go to **Card settings > Round-ups** 4. Under **More ways to Round-up**, select **Crypto** 5. Select the crypto you’d like to buy **Other way to set up:** - From the Home tab, select **Crypto > Settings > Round-ups** When you select Crypto, your spare change is used to place a buy order for the coin you chose. #### Round-ups for Invest Round-ups to Invest let you automatically invest your spare change into a stock or ETF every time you use your OnePay Debit Card or Builder Card. **To set up Round-ups for Invest:** 1. Open the OnePay app 2. Select **Checking or Savings** from the Home tab 3. Go to **Card settings > Round-ups** 4. Under **More ways to Round-up**, select **Invest** 5. Choose the stock or ETF you want **Other way to set up:** - From the Home tab, select **Invest > Settings > Round-ups** When you select Invest, your spare change is used to place a buy order for the stock or ETF you chose. --- ### Saving with Pay Autosave URL: https://www.onepay.com/help-center/articles/saving-with-pay-autosave Last updated: 2026-05-19 #### How do I set up, edit, or pause Pay Autosave? To set up Pay Autosave: 1. Open Cash Control in the OnePay app 2. Select Recurring Transfers 3. Select Turn on Pay Autosave 4. Tap Get Started 5. Enter the dollar amount you want to save from each direct deposit, or select Save a Percentage and enter a percentage to save from each direct deposit 6. Select Confirm To edit or pause: 1. Open Cash Control in the OnePay app 2. Select Recurring Transfers 3. Tap on Pay Autosave 4. Select View Pay Autosave Settings 5. Select edit to change the amount or to toggle Pay Autosave off to stop adding money to Pay Autosave You can also set up, edit, or pause Pay Autosave in the OnePay app by tapping [here](https://web.onepay.com/link/balanceCashControlSheet) and selecting the Recurring Transfers icon. Then follow the instructions to set up, edit, or pause. #### How does Pay Autosave work? Pay Autosave allows you to automatically set aside any percentage or dollar amount of each eligible direct deposit (excluding @Work Instapays). The Pay Autosave pocket earns 3.35% annual percentage yield (APY) APYs are as of 8/1/2026, but may change at any time before or after account opening. Fees may reduce earnings on this account. #### Can I withdraw funds from Pay Autosave? You can withdraw or transfer funds from your Pay Autosave as often you like. --- ### Savings Backup and Fee-Free Overdraft Protection URL: https://www.onepay.com/help-center/articles/savings-backup-and-overdraft-protection Last updated: 2026-06-23 #### What is Savings Backup? Savings Backup moves available funds from your primary Savings balance when your Checking balance is insufficient to cover a transaction. If enabled, Savings Backup covers OnePay Debit Card and Builder Card purchases (including OnePay Wallet purchases with your OnePay Debit Card or Builder Card), ATM withdrawals, and ACH transfers initiated from external bank accounts. There are no fees or interest charges to use Savings Backup. Savings Backup can be turned on or off in Savings Backup & Fee-Free Overdraft settings from the Banking screen. #### How do I use Savings Backup? If Savings Backup is enabled and you make a purchase using your OnePay Debit Card or another covered transaction without sufficient funds to complete it in your Checking balance, Savings Backup will automatically move available funds from your primary Savings balance to cover the transaction. If the underlying purchase is pending, Savings Backup will hold the available funds in your primary Savings balance until the transaction posts, then the funds will be moved. Savings Backup is available to all customers who bank through OnePay and is automatically enabled for newly onboarded OnePay deposit account customers. #### How do I turn Savings Backup on or off? You can turn Savings Backup on or off by following the steps: - Select Checking or Savings - Tap the setting icon in the upper-right corner - Select Savings Backup & Overdraft - Toggle Savings Backup OFF/ON #### Is there a Savings Backup limit? Savings Backup will cover transactions up to your available balance in your primary Savings. If there are insufficient funds in both your Checking balance and primary Savings balance, transactions will be declined unless you have Fee-Free Overdraft Protection enabled with a sufficient limit. #### What is Fee-Free Overdraft Protection? Yes, OnePay offers Fee-Free Overdraft Protection to eligible customers who are 18 years or older and receive $500 or more in monthly direct deposits. Fee-Free Overdraft Protection (up to the available limit) allows you to complete a transaction even if your Checking balance is insufficient.  Fee-Free Overdraft Protection is automatically enabled for customers who receive $500 or more in monthly direct deposits. There are no fees or interest charged to use Fee-Free Overdraft Protection, but any funds covered by Fee-Free Overdraft Protection are due right away and will automatically be repaid the next time money is added to your Checking balance.  If the negative balance is not paid, funds may be transferred automatically from another pocket with a positive balance to cover the negative balance. Additionally, you may also no longer be eligible for future products and features offered by OnePay. Transactions eligible for Fee-Free Overdraft Protection are at the discretion of OnePay and may exclude certain transactions(e.g. Bill Pay, Global Transfers, ACH transfers and** **peer-to-peer transfers like Venmo, Cash App, and PayPal) #### How can I get Overdraft Protection? All customers who are 18 years or older and receive $500 or more in monthly direct deposits are eligible for Fee-Free Overdraft Protection. If you are eligible, Fee-Free Overdraft Protection will automatically be turned on for your account.   You can turn Fee-Free Overdraft Protection on or off at any time: - Tap on Checking or Savings - Tap the setting icon in the upper-right corner - Select Savings Backup & Overdraft - Turn Fee-Free Overdraft Protection OFF/ON You can also tap [here](https://web.onepay.com/link/profile/overdraft) to turn Fee-Free Overdraft Protection ON or OFF in the OnePay app. If you no longer receive $500 or more in monthly direct deposits, you will no longer be eligible for Fee-Free Overdraft protection until you meet the requirements again. #### What is my Overdraft Protection limit? To locate your current Fee-Free Overdraft Protection limit in the OnePay app:  - Tap on Checking or Savings - Tap the setting icon in the upper-right corner - Select Savings Backup & Overdraft You can also tap [here](https://web.onepay.com/link/profile/overdraft) to see your Fee-Free Overdraft Protection limit. Your Fee-Free Overdraft Protection limit may increase over time if you continue to receive qualifying direct deposits into your OnePay deposit account on a regular basis. Eligibility and limit increases are determined automatically based on your account activity. #### Will Overdraft Protection work with my OnePay Wallet transactions? If enabled, Fee-Free Overdraft Protection will kick in when using your OnePay Debit Card or Builder Card for OnePay Wallet transactions that would bring your available balance below $0. #### Do Savings Backup and Fee-Free Overdraft Protection work together? Yes. Customers who are 18 years or older and receive $500 or more in monthly direct deposits can have both Savings Backup and Fee-Free Overdraft Protection enabled. If you have both features turned on and a transaction is greater than your Checking balance, Savings Backup will be used first. Fee-Free Overdraft Protection (up to the available limit) will be used to cover the transaction once the Savings balance is exhausted. --- ## Wallet ### About OnePay Wallet URL: https://www.onepay.com/help-center/articles/about-onepay-wallet Last updated: 2026-03-30 #### What is OnePay Wallet? OnePay Wallet is a digital wallet that offers rewards when shopping at Walmart. Add your debit or credit cards, and earn OnePay Points when you shop online or in-store at Walmart. Redeem your points for cash back when you bank through OnePay (25 points minimum).  Tap [here](https://www.onepay.com/legal/onepay-rewards-terms) to learn more about OnePay Wallet. #### How can I use OnePay Wallet? To get started, you can add your debit and credit cards to OnePay Wallet or use your OnePay debit card. Tap [here](https://web.onepay.com/link/onepayaddcard) to add a card to your OnePay Wallet in the OnePay app. OnePay Wallet can be used to make purchases at [Walmart.com](https://www.walmart.com/), in the Walmart app, as well as contactless payments at Walmart stores and Walmart fuel stations. #### How can I pay with OnePay Wallet? To use OnePay Wallet at [Walmart.com](https://www.walmart.com/) and in the Walmart app, choose OnePay Wallet as the payment option at checkout. To use OnePay Wallet in-store or at a Walmart fuel station, scan a QR code (located at the register) directly from the OnePay app and check out using one of the cards linked to your OnePay Wallet. #### What are the benefits of using OnePay Wallet? - Easily check out online or pay contactlessly in-store at Walmart. - Multi-factor authentication and industry-standard encryption to keep your card information secure - Earn OnePay Points on Walmart purchases that can be redeemed for cash back when you bank through OnePay. - Unlock additional offers for cards in your OnePay Wallet by enrolling your eligible cards. Tap [here](https://www.onepay.com/help-center/categories/rewards) to learn more about OnePay Rewards. #### What cards can I use with OnePay Wallet? You can add up to 20 debit or credit cards, (your OnePay debit card will be added automatically if you bank through OnePay), to use when checking out at Walmart or [Walmart.com](https://www.walmart.com/). Most Visa, Mastercard, Discover, and American Express cards can be linked. However, retail-specific (ie. Walmart) gift cards cannot be added. Tap [here](https://web.one.app/link/onepayaddcard) to add a card in the OnePay app. #### Can I earn rewards when using OnePay Wallet? Yes, for more information tap [here](https://web.onepay.com/link/spend/cashrewards). #### Are all the cards in my OnePay Wallet eligible to earn OnePay Points? Not all linked cards in your OnePay Wallet are eligible for additional offers. Some offers that are near you are automatically activated for eligible cards, while others require activation in the app. You can see which linked cards in your OnePay Wallet are eligible to unlock more offers right from the OnePay app. To see your OnePay Wallet eligibility: - Open the OnePay app - Tap your points or find your Rewards page - Tap **Learn more** right below “Browse offers” - Choose the cards to unlock offers and confirm your selection #### Can I make split payments with OnePay Wallet?  Purchases made with a linked debit or credit card are not eligible for split payments. #### How is OnePay Wallet built with security in mind? Security is built into OnePay Wallet to keep you protected. We use multi-factor authentication and industry-standard encryption to keep your card information secure. #### Why do you need my personal information? To create your OnePay account, we need to collect personal information, like your SSN, to verify your identity and prevent fraud. This helps keep your account secure. --- ### OnePay Wallet Account Maintenance URL: https://www.onepay.com/help-center/articles/onepay-wallet-account-maintenance Last updated: 2026-05-19 #### How do I manage my OnePay Wallet? You can link up to twenty debit or credit cards, plus your OnePay Debit Card or Builder Card, in OnePay Wallet. Walmart associates can also add their discount card here. To add a card, open the OnePay app, tap on the Cash Control tab, go to Wallet cards in the Settings section, and tap “Add new” to enter your card details. Tap [here](https://web.onepay.com/link/onepayaddcard) to add a card in the OnePay app. #### How do I view my OnePay Wallet transactions? If you've used your OnePay Debit Card or Builder Card, you can view your OnePay Wallet transaction history from your OnePay Checking balance activity. To view OnePay Wallet transactions made with a linked card from another financial institution, reach out to that institution for further assistance. #### Where can I see my OnePay Points? If you have a OnePay deposit account, you can view your points history by tapping the points icon on the home tab of the OnePay app. If you do NOT bank through OnePay, points are displayed in the Points section of the OnePay Wallet screen. Tap [here](https://web.onepay.com/link/points/screen) to see the Points you have earned in the OnePay app. #### Who do I contact if I have an issue with my OnePay Wallet transaction? If you have a dispute with a transaction made with your OnePay Debit Card or Builder Card, please contact [OnePay Customer Service](https://www.onepay.com/help-center/articles/contacting-onepay-customer-service) and say “File Dispute” or “Agent” to be connected with a OnePay specialist. If you need to file a dispute for a transaction made with a non-OnePay linked card, please contact the issuing bank for further assistance. --- ### Using OnePay Wallet URL: https://www.onepay.com/help-center/articles/using-onepay-wallet Last updated: 2026-03-30 #### How do I use OnePay Wallet? To start using OnePay Wallet, add your debit or credit cards in the OnePay app. If you have a OnePay Debit Card or Builder Card, it’s automatically added to your OnePay Wallet. You can use OnePay Wallet to shop on Walmart.com, the Walmart app, in Walmart stores, and at Walmart fuel stations. To use OnePay Wallet on Walmart.com or in the Walmart app: - Open your Walmart account in the app or on Walmart.com. - Go to Settings > Wallet, then find theOnePay Wallet section. - Tap “Sign up in seconds” and sign in using the phone number linked to your OnePay account. - Follow the steps to link a card. Once completed, OnePay Wallet will show as your default payment option at checkout. To use OnePay Wallet in-store or at a Walmart fuel station: - Open the OnePay app go to the QR code icon at the top right of your screen. From there you can also access your Wallet cards. - At self-checkout or fuel stations, scan the QR code displayed on the screen. - At manned registers, scan the QR code that appears on the payment terminal when the associate finishes scanning your items. #### How do I add a card for OnePay Wallet? To add a card to your wallet: - Open the OnePay app - Tap the Cash Control section and select Wallet cards from the Settings section, and tap “Add new” - Alternatively, tap on the QR code at the top right of your screen and tap “Wallet cards” - From here, you can enter your card details manually or use your phone’s camera to scan the details #### How do I remove a card from OnePay Wallet? To remove a card from your wallet: - Open the OnePay app - Tap the Cash Control tab - Select Wallet cards from Settings section - Select the card you wish to remove then select Remove Card #### How do I set a default card in OnePay Wallet? To set a default card in your wallet: - Open the OnePay app - Tap the Cash Control tab - Select Wallet cards from Settings section - Select the card you wish to set as default - Select the toggle next to Default card for OnePay Wallet Some offers are automatically activated for eligible cards, while others require activation in the app. You can see which linked cards in your OnePay Wallet are eligible to unlock more offers right from the OnePay app. To unlock more offers for cards in your OnePay Wallet  1. Open the OnePay app 2. Tap your points or find your Rewards page 3. Tap on “Learn more” right below “Browse offers" 4. Enroll your eligible cards --- ## Credit Builder Loan ### About OnePay Credit Builder Loan URL: https://www.onepay.com/help-center/articles/about-onepay-credit-builder-loan Last updated: 2026-06-23 #### What is OnePay Credit Builder Loan?  OnePay Credit Builder Loan is a zero-fee, zero-interest program offered to customers who began banking through OnePay before September 1, 2026 and is designed to help you build credit by setting aside just $1 per month for 12 months. OnePay will report your on-time payment every month to each of the three major credit bureaus. You will be able to build credit and track your score in the OnePay app. These terms are based on a $300 12-month loan with $25 monthly payments and a 0% APR. You can choose how much you’d like to pay towards your monthly payment, with a minimum of $1. If you choose an amount less than the full monthly payment, the remainder will be paid from the loan proceeds held in your locked account. Tap [here](https://web.onepay.com/link/credit-builder) to learn more about Credit Builder Loan in the OnePay app. Starting September 1, 2026, the OnePay Credit Builder Loan is only available to customers who joined OnePay before September 1, 2026. #### How does OnePay Credit Builder Loan work? OnePay Credit Builder Loan helps you build your credit without any interest or fees. Here’s how it works: - If you are approved, we will open a $300 loan for you and place that amount into a locked account. (Note that the funds in this locked account cannot be used for spending. Therefore, this $300 loan is not a traditional loan and you cannot use it for borrowing needs.) - The total monthly payment towards the $300 loan is $25 over 12 months. Typically, you will make a monthly payment of $1 towards the loan balance, and the remaining $24 will be covered by the funds in the locked account. - We report these (combined) $25 monthly payments to the three major credit bureaus (Transunion, Equifax, Experian), helping to build your credit with on-time payments. - When the program ends, we’ll return all of your monthly contributions back to your OnePay deposit account Primary Savings pocket. After 12 months, you’ll get back the money you contributed, which is generally $12 if you’ve paid $1 per month. If you contributed more than $1 per month, you would get your contributed funds back at the end of 12 months. (For example, if you chose to pay $10 each month, you would receive $10 times 12 for a total of $120 back at the end of the program.) Note that paying more than $1 a month does not help you build credit faster. Tap [here](https://web.onepay.com/link/credit-builder) to learn more about OnePay Credit Builder Loan in the OnePay app. #### How does this program build credit?  Making on-time payments is very important for your credit score. With OnePay Credit Builder Loan, every time you make a payment, we report it to the three major credit bureaus. These payments will show up as on-time monthly payments on an installment loan which can help to boost your credit score. #### How does OnePay Credit Builder Loan differ from a traditional loan? Unlike traditional loans, the OnePay Credit Builder Loan is meant to help build credit, where the principal amount from the locked account is used to help keep your monthly payments on track. This means you won’t be able to spend the loan proceeds. At the end of the program, you get back your typical $1 monthly contributions deposited to your OnePay deposit account Primary Savings Pocket. In contrast to many traditional loans, OnePay Credit Builder Loan charges no interest, no setup fees, and no late fees. #### How quickly can OnePay Credit Builder Loan help build my credit? Building credit takes time, so it’s normal not to see any change in your credit score at first. After we start reporting your on-time monthly payments to the credit bureaus, they’ll generally show up on your credit report in about two to six weeks after starting the program. Everyone’s credit report and financial history is unique. Other changes to your credit report outside of OnePay Credit Builder Loan can also impact your progress and use of OnePay Credit Builder Loan does not guarantee that your credit score will improve. #### How much will OnePay Credit Builder Loan increase my credit score?  Use of the OnePay Credit Builder Loan program does not guarantee that your score will improve. Everyone’s credit report and financial history are unique. Any activity going on outside of OnePay Credit Builder Loan on other credit accounts that you have can impact your credit-building progress. That means every person will see a different impact on their score. #### How long is the OnePay Credit Builder Loan program?  The OnePay Credit Builder Loan program lasts for 12 months. #### Is there a cost for OnePay Credit Builder Loan?  OnePay Credit Builder Loan is a fee-free, interest-free program. When you’ve completed the program, the cost of Credit Builder Loan will be $0 to you. During the program, you can choose how much you’d like to pay towards your monthly payment, with a minimum of $1, all of which you will get back at the end. These terms are based on a 12-month loan with $25 monthly payments and a 0% APR. If you choose an amount less than the full monthly payment, the remainder will be paid from the loan proceeds held in your locked account. #### Why can’t I access the $300 loan? The $300 OnePay Credit Builder Loan is set aside in a locked account to help keep your monthly payments on track. This means you won’t be able to spend the loan proceeds. When the program ends, we’ll return all of your monthly contributions back to your Primary Savings pocket. After 12 months, you’ll get back the money you contributed, which is generally $12 if you’ve paid $1 per month. If you contributed more than $1 per month, you would get your contributed funds back at the end of 12 months. (For example, if you chose to pay $10 each month, you would receive $10 times 12 for a total of $120 back at the end of the program.) Note that paying more than $1 a month does not help you build credit faster. --- ### Credit Builder Loan Payments URL: https://www.onepay.com/help-center/articles/credit-builder-loan-payments Last updated: 2026-05-12 #### When is my first payment due? Your first payment is due one month after you enroll in Credit Builder Loan. You can see your payment due date in the OnePay app. #### How do I make payments? You can pay via internal transfer with OnePay (Money movement within your OnePay account i.e. Pocket to Pocket transfers) by going to Credit Builder Loan in the OnePay app. If you have autopay on, you're all set. Your payment will be processed on your due date. To schedule a one-time payment, you'll see an option to ‘Pay’ on the Credit Builder Loan screen. Tap this, select a payment method and then tap 'Pay'. #### Can I change the due date on my monthly payments? No. Your payment will be due on the same day each calendar month as the day of your first monthly payment (unless such day does not occur in a particular month, in which case your monthly payment will be due on the last day of that particular month). #### How do I pay off my Credit Builder Loan? You can pay off Credit Builder Loan by making your monthly on-time payments. Additionally, you can cancel Credit Builder Loan at any time and any contributions you’ve made to Credit Builder Loan savings will be returned to you; however, the program is designed to last over 12 months to help you build credit and prematurely terminating a loan account may have an impact on your credit score. #### Can I pay off OnePay Credit Builder Loan early? While you can pay off the remaining balance of your loan any time with the help of an agent, the easiest way to terminate the program is to cancel your OnePay Credit Builder Loan. The remaining loan balance will be paid from the funds in your OnePay Credit Builder Loan locked account, and all your previous contributions will be paid out to your OnePay Savings. However, the program is designed to last over a 12 month period to help you build credit and prematurely terminating a loan account may have an impact on your credit score. #### What if I missed a payment? If you miss a OnePay Credit Builder Loan payment, there’s no late fee. Ensure you make your next payment by the due date, or your OnePay Credit Builder Loan may be closed. Closing a loan account early could affect your credit score.  You can easily make a one-time payment from the app by tapping the Credit Builder Loan card on your home screen. #### Can I make my monthly payment using Fee-Free Overdraft? No, your monthly payment cannot be made using Fee-Free Overdraft Protection. #### Can I make Credit Builder Loan Payments with my debit card? If you would like to make a Credit Builder Loan payment with your debit card, please ensure that you already have a debit card linked to your OnePay account. To make a Credit Builder Loan payment using the linked debit card, contact [OnePay Customer Service](https://www.onepay.com/help-center/articles/contacting-onepay-customer-service) or say “Agent” in chat to be connected with a OnePay specialist. #### Will I be charged a fee for a late payment? You will not be charged a late fee if you don’t make the payment by your due date, but we may cancel your OnePay Credit Builder Loan so you don't fall further behind. Once Credit Builder Loan is canceled, it will be reported to the credit bureaus as closed. We'll use the money in your Credit Builder Loan locked account to pay off the rest of your loan. Please note that prematurely terminating a loan account may have an impact on your credit score. #### What happens if I can no longer pay OnePay Credit Builder Loan? You can cancel your OnePay Credit Builder Loan early. If you need to cancel early, we'll use the money in your Credit Builder Loan locked account to pay off the rest of your loan and any contributions you’ve made to Credit Builder Loan savings will be returned to you. We'll let the credit bureaus know you finished the program early. Please note that prematurely terminating a loan account may have an impact on your credit score. #### What happens when my OnePay Credit Builder Loan is paid off? We'll report your final payment to all three credit bureaus so you get credit for completing the program! Plus, you'll get back all the savings you contributed throughout the program. #### I already bank through OnePay – why don’t I see my OnePay Credit Builder Loan savings there? You can see your Credit Builder Loan savings with every monthly payment in your Credit Builder Loan Settings. You will get back your Credit Builder Loan savings you’ve contributed when Credit Builder Loan ends. The Credit Builder Loan savings funds will be disbursed to your Primary Savings pocket when the program ends. #### Will bigger payments improve my credit score?  No. You only need to contribute $1 per month. Paying more does not build your credit faster. Overpayments may pay off your loan early and prematurely terminating a loan account may have an impact on your credit score. Additionally, you may still need to make a payment next month.  These terms are based on a 12-month loan with $25 monthly payments and a 0% APR. You can choose how much you’d like to pay towards your monthly payment, with a minimum of $1. If you choose an amount less than the full monthly payment, the remainder will be paid from the loan proceeds held in your locked account. --- ### Credit Bureau Reporting (OnePay Credit Builder Loan) URL: https://www.onepay.com/help-center/articles/credit-bureau-reporting-credit-builder-loan Last updated: 2026-05-12 #### What account should I look for on my credit report? Your OnePay Credit Builder Loan should show up as “OneProgress Services LLC or One/CCB” on your credit report. CCB stands for Coastal Community Bank. #### Why does my credit report not show as paid for the most recent month? It may take a few weeks for credit bureaus to update your credit reports. They are not a real-time picture of what your credit looks like now. #### When will OnePay’s Credit Builder Loan program show up on my credit report? You should expect OnePay Credit Builder Loan to show on your credit report approximately one month after opening. #### Do you report to all 3 bureaus? Yes, we report to Equifax®, TransUnion®, and Experian®. #### When does OnePay report to the credit bureaus? OnePay reports each OnePay Credit Builder Loan account monthly to the credit bureaus. #### Will there be an inquiry posted to my credit report when I open OnePay Credit Builder Loan? A soft inquiry will be posted at the time of application. No hard inquiry will be posted. Soft inquiries do not impact your credit score. #### Why did my credit score drop after I was approved for OnePay Credit Builder Loan? Your credit score is dependent on many factors, and use of OnePay Credit Builder Loan does not guarantee that your credit score will improve. If you have not missed a payment during the OnePay Credit Builder Loan program, there may be other factors that have influenced your credit score. Additionally, when you open a new loan account, your credit score may temporarily decrease due to your credit utilization being higher. Your credit score may improve as you continue to make on-time payments toward that loan and lower your credit utilization. OnePay does not post a hard inquiry to your credit report when you open a OnePay Credit Builder Loan account. #### When will my credit score go back up? The time it takes to improve your credit score depends on your unique situation and several factors, including how you manage your finances. With regular on-time payments and good credit habits, your score can improve over time. The use of OnePay Credit Builder Loan does not guarantee that your credit score will improve. #### Why do I have a new $300 loan on my credit report? When you signed up for OnePay Credit Builder Loan, you took out a $300 interest-free, fee-free loan. We kept the proceeds from the loan in a OnePay Credit Builder Loan locked account to cover $24 of your $25 monthly payment obligation. Monthly payments are reported to each of the three major credit bureaus. On-time payments towards your loan may help to build your credit over time. --- ### OnePay Credit Builder Loan Account Maintenance URL: https://www.onepay.com/help-center/articles/onepay-credit-builder-loan-account-maintenance Last updated: 2026-05-12 #### Can I set a beneficiary on my account? No, we do not offer the ability to set beneficiaries on OnePay Credit Builder Loan. #### Is it possible to pick a different payment plan? No, terms for OnePay Credit Builder Loan are standard and do not change based on creditworthiness. #### Can I refinance OnePay Credit Builder Loan? No, terms for OnePay Credit Builder Loan are standard and do not change based on creditworthiness. If you are having trouble making your monthly payment, you may cancel Credit Builder Loan anytime without penalty from OnePay by contacting [Customer Service](https://www.onepay.com/help-center/articles/contacting-onepay-customer-service) or saying Agent in chat to be connected to a OnePay Specialist. Please note that prematurely terminating a loan account may have an impact on your credit score. #### Are there fees for canceling OnePay Credit Builder Loan? No, there are no fees for canceling OnePay Credit Builder Loan. You may cancel at any time and the savings you've contributed so far will be deposited to your Primary Savings. Note that prematurely terminating a loan may have an impact on your credit score. If you would like to cancel your OnePay Credit Builder Loan account, please contact [Customer Service](https://www.onepay.com/help-center/articles/contacting-onepay-customer-service) or say Agent in chat to be connected to a OnePay Specialist. #### How can I cancel OnePay Credit Builder Loan? Please reach out to [Customer Service](https://www.onepay.com/help-center/articles/contacting-onepay-customer-service) or say Agent in chat to be connected to a OnePay Specialist. #### Can I change or update the terms of OnePay Credit Builder Loan? No, terms cannot be changed or updated. #### If my OnePay Credit Builder Loan is canceled, can I reopen the same Credit Builder Loan? No, you can not reopen the same OnePay Credit Builder Loan. However, you can apply for a new OnePay Credit Builder Loan at any time.  If eligible, you can tap [here](https://web.onepay.com/link/credit-builder/onboarding) to reapply. #### Can I temporarily suspend or pause OnePay Credit Builder Loan? No, OnePay Credit Builder Loan can’t be paused or temporarily suspended. #### Can I make withdrawals? No, you can’t make withdrawals from OnePay Credit Builder Loan. The principal amount is placed in your OnePay Credit Builder Loan locked account and applied to your monthly payments. You will get back the savings you've contributed at the end of the program. #### What bank is my OnePay Credit Builder Loan held? Coastal Community Bank, Member FDIC. #### How can I monitor my credit score? You can view and track your credit score from the Home tab of your OnePay app.  Tap [here](https://web.onepay.com/link/credit-builder) to open OnePay Credit Builder Loan in the OnePay app. #### How can I view my prior OnePay Credit Builder Loan activity? You can view closed OnePay Credit Builder Loans in the OnePay app or [website](https://web.onepay.com/). To view a closed Credit Builder Loan: - Tap the profile button at the top right to access your Profile in the OnePay app - Tap Documents then OnePay Credit Builder Loan history Select the corresponding OnePay Credit Builder Loan you wish to view --- ### OnePay Credit Builder Loan Application and Onboarding URL: https://www.onepay.com/help-center/articles/onepay-credit-builder-loan-application-and-onboarding Last updated: 2026-05-19 #### How do I sign up for OnePay Credit Builder Loan? Credit Builder Loan is available to customers who began banking through OnePay before September 1, 2026. If you qualify, open the OnePay app and navigate to the Home tab. In the 'Discover More' section, select the Credit Builder Loan banner and start the application or if eligible, you can also tap [here](https://web.onepay.com/link/credit-builder/onboarding).  If you began banking through OnePay on or after September 1, 2026, Credit Builder Loan isn't available to you. Builder Card is a great alternative for building credit. If you do not bank through OnePay, download the OnePay app and select Join OnePay to apply. #### What is the minimum income required to sign up for a Credit Builder Loan?  There’s no minimum income requirement to sign up for a Credit Builder Loan. #### Will there be a hard inquiry to my credit if I sign up? No, but you may see a soft inquiry on your credit history. Soft inquiries will not have a negative effect on your credit score. For additional information on understanding your credit score, tap [here](https://www.onepay.com/help-center/articles/understanding-your-credit-score). #### Will I be denied if I have bad or no credit?  We won’t deny anyone based on a low credit score or prior credit history. Previous account history at OnePay may impact your eligibility for Credit Builder Loan and restrictions placed on your credit report (like a credit freeze) may impact availability. #### Why was I denied a Credit Builder Loan? You’ll receive an email which will explain the reason(s) for our decision. If you haven’t received this message please [contact us](https://www.onepay.com/help-center/articles/contacting-onepay-customer-service) or say "Agent" in chat, and we’ll resend it to you. #### What eligibility requirements do I have to meet to apply for a Credit Builder Loan? You must be 18 years or older (21 if you reside in Mississippi), live outside of Massachusetts, and have joined OnePay before September 1, 2026. #### If I am denied, how long do I need to wait before I can sign up again? You can reapply at any time as long as you are eligible. Post September 1, 2026, the OnePay Credit Builder Loan is only available to customers who joined OnePay before September 1, 2026. #### What if my credit is frozen or locked? To unfreeze your credit report temporarily or permanently, you'll need to contact the credit bureaus since the action must be taken by the bureaus directly. Some bureaus can lift the freeze in a few hours, while others might take 1-2 days. --- ## Credit Score ### OnePay Credit Score URL: https://www.onepay.com/help-center/articles/onepay-credit-score Last updated: 2026-06-22 #### What factors affect my credit score? To learn more about what makes up a credit score, see [Understanding your credit score: a quick guide for our customers](https://www.onepay.com/help-center/articles/understanding-your-credit-score). #### How does it work? OnePay has partnered with TransUnion®, one of the three major consumer credit bureaus, to give you free weekly updates in your app about your credit score. The credit score provided by One is your VantageScore 4.0®. Several factors may impact your credit score, such as payment history, credit usage, credit age, recent credit, and available credit. With the OnePay app, you can stay up to date and learn what impacts your credit score. You can tap [here](https://web.onepay.com/link/credit-insights) to learn more about Credit Score in the OnePay app. #### How do I get my credit score at OnePay? If you are new to OnePay, you can get your credit score at OnePay by scanning the QR code on [onepay.com](https://www.onepay.com) with your mobile phone, or by downloading the OnePay app from the App Store or Play Store and tapping the “Join OnePay” button in the app. If you are a OnePay customer you will see the option to enable OnePay Credit Score under the Your Services section within the OnePay app. Tap [here](https://web.onepay.com/link/credit-insights/getstarted) to enable Credit Score in the OnePay app. #### What are the eligibility requirements to see my credit score? If you are new to OnePay and signing up for OnePay Credit Score, you must be at least 18 years old, have a U.S. based physical residential address and mobile phone number, and be issued a Social Security number to see your credit score with OnePay. We do not accept ITIN. #### What information do I need to sign up to see my credit score? If you are new to OnePay and signing up for OnePay Credit Score, 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. #### Why wasn’t I able to sign up to see my credit score? One uses third-party data sources to verify personal information, and in some cases, we may need to validate your driver’s license or passport during account sign-up. If we’re unable to verify the information provided, we won’t be able to offer you OnePay Credit Score. However, you may still apply for other products at OnePay. #### Is there a fee to view my credit score? No, OnePay provides your VantageScore 4.0® for free. #### Will my credit score be affected by using it? No, monitoring your VantageScore 4.0® in the OnePay app will not affect your credit score. #### Who is TransUnion® and what is VantageScore 4.0®? There are many different ways that credit scores may be calculated. VantageScore 4.0® is a consumer credit score model that ranges from 300 to 850. It’s calculated using your credit report from TransUnion®, one of the three major credit bureaus. See [Understanding your credit score: a quick guide for our customers](https://www.onepay.com/help-center/articles/understanding-your-credit-score) for more information. #### Is the credit score provided by OnePay a real Credit Score? The credit score shown in the OnePay app is your VantageScore 4.0®. It is a credit score based on your credit report from TransUnion®, one of the three major US credit bureaus. VantageScore is a scoring model developed and maintained by the credit bureaus which is used industry wide; this is not specific to OnePay. Lenders, including us at OnePay, may use this score when they do a credit check. Other lenders or providers may use different credit score models to calculate your score. #### How often do I get updates about my credit score? OnePay Credit Score refreshes weekly. With the one app, you can stay up to date and learn what impacts your credit score. #### How do I hide my credit score? From the Home tab of the OnePay app, select Hide Score. You can display your score again by selecting Show Score. You can also tap [here](https://web.onepay.com/link/credit-insights/getstarted) and follow the steps above to hide or show your credit score in the OnePay app. #### My credit is locked or frozen, can I still view my credit score? Yes. A credit freeze does not prevent credit monitoring services from obtaining your credit score. #### Why is the credit score from my other provider different from what I see in the OnePay app? There are many different credit score models used in the industry, the score you see in the OnePay app is your VantageScore 4.0® reported by TransUnion®. The score you see in the OnePay app may differ from scores you see from other providers depending on the model and/or credit bureau they used to calculate your score. Additionally, credit bureaus can sometimes take time to receive the latest information from your lenders and your scores may not update immediately. If you believe your credit score or any details of the data provided on your accounts are incorrect, please contact [Transunion's customer support](https://www.transunion.com/customer-support/contact-us-consumers). #### How do I unenroll from OnePay Credit Score? If you wish to unenroll, please [contact OnePay Customer Support](https://www.onepay.com/help-center/articles/contacting-onepay-customer-service) or say Agent in chat to be connected to a OnePay Specialist. #### The credit score you are reporting is incorrect, how can I fix it? There may be variances in the score you see in the OnePay app and the score you see from other providers since there are many different ways of calculating a credit score; however, if you still believe your score is incorrect, you can request a free copy of your full credit report once annually from each of the three major credit bureaus to review for any inaccuracies that could be impacting your credit score. If there are inaccuracies in your credit report, you can dispute them with the creditor directly or with any of the three major credit bureaus. See [Understanding your credit score: a quick guide for our customers](https://www.onepay.com/help-center/articles/understanding-your-credit-score) for more information. #### Can I use the available balance shown on the Credit Score screen? The available balance shown on the Credit Score screen is the maximum amount of credit available from all your creditors combined when your credit score was last updated. This amount may vary when credit accounts are opened and closed. These funds are unavailable for you to use directly via OnePay. #### Why don’t the account names I see in the OnePay app match what I see on my credit report? The account names shown in the app are simplified and may appear differently than what's listed on your full credit bureau report. On your credit report, the account may appear as: - “One Progress Services LLC” - “OnePay” - “SYNCB/OnePay Walmart DC” - “CRB/Upgrade” - “One Progress LLC” - “Klarna/OnePay” --- ### Understanding your credit score: a quick guide for our customers URL: https://www.onepay.com/help-center/articles/understanding-your-credit-score Last updated: 2026-01-06 Managing your credit score is a crucial part of your financial well-being. At OnePay, we want to empower you with the knowledge you need to understand your credit score and the factors that influence it. In this guide, we'll break down what a credit score is, how it’s calculated, and what you can do to improve and maintain a healthy score. Save this page to use as a reference any time you need a quick credit refresh. #### **What is a credit report? ** A credit report is a detailed record of your credit history, compiled by credit bureaus. It includes information on how you manage your money with creditors, such as credit card companies, banks, and other lenders. There are three major credit bureaus in the United States: TransUnion®, Equifax®, and Experian®. Each bureau maintains its own credit report on you, and the information may vary slightly between them. At OnePay, our Credit Score feature uses your TransUnion® credit report to provide you with your credit score and related credit information. #### **What is a credit score? ** Your credit score is a number that is intended to represent your creditworthiness—a measure of how likely you are to repay a loan or credit obligation. It’s a snapshot of your financial behavior, and can fluctuate over time as your credit report is updated with new information, such as paying bills on time or opening a new credit card. There are several different models the bureaus use for calculating your score (we’ll touch on this later), and the numbers usually range from 300 to 850. Higher scores represent strong credit history and indicate to lenders that you’re a reliable borrower, which may make it easier to qualify for loans and get more favorable loan terms, like lower interest rates. Here’s a quick look at how VantageScore® 4.0 credit scores are generally categorized in the OnePay app: - Excellent: 721-850 - Good: 661-720 - Average: 601-660 - Below Average: 300-600 #### **What is VantageScore**®**?** A credit score model is a formula designed to calculate an individual's credit score. Two major companies, FICO® and VantageScore®, develop these models, which are then used by credit bureaus to determine your score. VantageScore® is unique in that all three credit bureaus use it, and the latest version is VantageScore® 4.0. The VantageScore® 4.0 is the model that OnePay uses to provide your credit score. While both VantageScore® and FICO® scores serve similar purposes, their models may weigh information in your credit report differently, leading to variations in the scores you receive from different sources. Additionally, even if other providers are using VantageScore® to calculate your score, they may be using an older version of the model (e.g. VantageScore® 3.0). These variations in your scores are very common and do not indicate if either scores are wrong. #### **Why is the score from my other providers different?** Credit scores may vary between your providers due to several factors: - **Source of credit data:** The three credit bureaus —TransUnion®, Equifax®, and Experian®—may have slightly different information in your credit reports. For example, some lenders don’t conduct hard inquiries (also known as credit checks) with all three credit bureaus when assessing credit applications, nor do they report to all the three credit bureaus, which may cause your credit score to vary between each of the bureaus. - **Credit scoring models:** Different models (e.g., VantageScore® vs. FICO®) can produce different scores based on how they weigh the information in your credit report. While both consider factors like payment history and credit utilization, they prioritize them differently, leading to variations in your credit score even with the same credit report data. - **Timing:** Your credit score can change as new information is reported to the bureaus, so the timing of when the score is calculated can also lead to differences. ###### **Factors that impact your credit score** Understanding the factors that make up your credit score can help you build and maintain healthy credit and take control of your financial health. Here are five key factors that influence your credit score: 1. **Payment History:** - Your payment history reflects your record of paying bills on time, as shown by your on-time payment percentage. It is the most significant factor affecting your credit score. Late or missed payments significantly affect your score. 2. **Credit Usage:** - Credit usage refers to the amount of your available revolving credit (like credit cards) that you're using. Lower credit utilization typically benefits your credit score. It's calculated by dividing your current balances by your total credit limits on revolving accounts. For example, if you have two credit cards, each with a $2,500 limit, and you have a $0 balance on one but a $2,500 balance on the other, your credit utilization rate would be 50%. 3. **Credit Age:** - This factor considers how long your credit accounts have been open. Longer credit histories can have a positive impact on your credit score. 4. **Total Available Credit:** - Your total available credit is the sum of your credit limits across your revolving (e.g. credit card) accounts. Having more available credit may be beneficial, as it may indicate that you have a good depth of credit and shows how you manage your money over time. 5. **Hard Inquiries:** - Hard inquiries — also known as hard credit checks — occur when a lender reviews your credit report during a credit application process, such as a credit card or loan application. Hard inquiries differ from soft inquiries, which do not affect your credit score and are typically done for background checks or when you check your own credit. The number of hard inquiries made in the last 2 years affect your score. Accumulating too many hard inquiries within this period may affect your credit score, as it might suggest that you’re seeking more credit than you can manage. Note: OnePay does not post a hard inquiry when you open a OnePay Credit Builder Loan or OnePay Loan. #### **How can I improve my credit score?** Improving your credit score is a gradual process that involves consistently practicing good financial habits. While everyone’s financial situation is unique, here are some general strategies that are used to positively impact credit scores over time: ###### **Pay your bills on time:** - **Why it matters:** Payment history is the most important factor in determining your credit score, accounting for about 40% of the score. Additionally, consistent on-time payments allows lenders to know that you’re reliable when it comes to repaying your balances. - **How to do it:** Consider setting up automatic payments or create reminders on your phone so you don’t miss your due dates. If you’ve missed a payment, get current as soon as possible. Showing consistency over time in repaying bills on time will help your score recover. ###### **Keep your credit usage low:** - **Why it matters:** Credit usage—the percentage of your available credit that you’re using—is another significant factor affecting your credit score. High credit usage rates suggest that you might be over-reliant on credit, which can be a red flag to lenders. - **How to do it:** Aim to keep your credit usage below 30% of your total credit limit. For example, if your total credit limit across all cards is $10,000, try to keep your outstanding balance below $3,000. Paying down balances regularly and asking for credit limit increases (without increasing spending) may help reduce your credit utilization ratio. ###### **Maintain a long credit history:** - **Why it matters:** The length of your credit history reflects how long you’ve been managing credit accounts. A longer credit history provides lenders with more data to assess your financial reliability. It can boost your credit score by demonstrating a consistent track record of responsible credit management. - **How to do it:** Avoid closing older credit accounts, even if you no longer use them frequently. These accounts contribute to the age of your open credit accounts, which can positively impact your score. ###### **Limit hard inquiries:** - **Why it matters:** Hard inquiries occur when lenders check your credit report to make lending decisions, such as when you apply for a new credit card or loan. Too many hard inquiries in a short period can lower your credit score, as it might suggest that you’re seeking more credit than you can handle. - **How to do it:** Only apply for new credit when necessary. If you’re shopping for a mortgage or car loan, try to keep your applications within a short time frame — usually 14 days — so that they’re treated as a single inquiry for scoring purposes. Additionally, avoid applying for multiple credit cards at once. ###### **Regularly review your credit report for errors:** - **Why It matters:** Errors on your credit report, such as incorrect account information or fraudulent activity, can negatively impact your credit score. By regularly checking your report, you can catch and correct any inaccuracies. - **How to do it:** In addition to reviewing your TransUnion® credit information in the OnePay app, you’re entitled to a free annual credit report from each of the three major credit bureaus through AnnualCreditReport.com. Review these reports for errors, and if you find any, file a dispute directly with the creditor or with the credit bureau to have them corrected. See below for how to contact the credit bureaus. #### **What should I do if I see errors in my credit report information viewed in the OnePay app?** If you find any inaccuracies in your credit report, you can file a dispute with TransUnion® directly through their website (details below). For contacting the other credit bureaus, refer to the information provided below as well. ###### **Contact information for credit bureau disputes:** | **TransUnion**® | **Experian**® | **Equifax**® | | --- | --- | --- | | Online: [www.dispute.transunion.com](https://dispute.transunion.com/) By phone: (800) 916-8800 By mail: [Download the dispute form](https://www.transunion.com/docs/rev/personal/InvestigationRequest.pdf). Mail the dispute form with your letter to: TransUnion Consumer Solutions P.O. Box 2000 Chester, PA 19016-2000 | Online: [www.experian.com/disputes/main.html ](https://www.experian.com/disputes/main.html) By phone: (888) 397-3742 By mail: Use the address provided on your credit report or mail your letter to: Experian P.O. Box 4500 Allen, TX 75013 | Online: [www.equifax.com/personal/credit-report-services/credit-dispute/ ](https://www.equifax.com/personal/credit-report-services/credit-dispute/) By phone: (866) 349-5191 By mail: [Download the dispute form](https://assets.equifax.com/assets/personal/Dispute.pdf). Mail the dispute form with your letter to: Equifax Information Services LLC P.O. Box 740241 Atlanta, GA 30374 | ###### **Consider freezing your credit for free to better protect yourself ** Freezing your credit report restricts access to your credit file, making it more difficult for identity thieves to open new accounts in your name. You can freeze your credit report for free with each of the three major credit bureaus, and you can lift the freeze whenever you need to apply for credit. Here’s how you can freeze and unfreeze your credit with each of the three major credit bureaus: | **TransUnion**® | **Experian**® | **Equifax**® | | --- | --- | --- | | Online: [https://www.transunion.com/credit-freeze](https://www.transunion.com/credit-freeze) By phone: 800-916-8800 | Online: [https://www.experian.com/help/credit-freeze/](https://www.experian.com/help/credit-freeze/) By phone: 888-397-3742 | Online: [https://www.equifax.com/personal/credit-report-services/credit-freeze/](https://www.equifax.com/personal/credit-report-services/credit-freeze/) By phone: 888-298-0045 | Understanding how your credit score is calculated and how each factor is defined can help you track your score, build healthy habits, and create a plan to take control of your credit. Save this page to use as a reference any time you need a quick credit refresh. --- ## OnePay Later Powered by Klarna ### About OnePay Later at Walmart, powered by Klarna URL: https://www.onepay.com/help-center/articles/about-onepay-later-powered-by-klarna Last updated: 2026-06-19 #### What is OnePay Later at Walmart? With OnePay Later at Walmart, you can make purchases at Walmart stores, [Walmart.com](http://walmart.com), or in the Walmart app with smaller, fixed, monthly payments. Simply add what you need into your shopping cart, scan the QR code in store, or choose OnePay Later at checkout as your payment method, and if approved, choose a payment plan that fits your monthly budget. The option to use OnePay Later at Walmart is only available to a limited number of customers at this time through the Walmart checkout process online or in app. #### Who is Klarna? OnePay has partnered with Klarna, a global leader of buy now, pay later services, to offer OnePay Later. We work with Klarna and their partner banks to offer plans that fit a range of budgets. Klarna handles all servicing until your purchase is fully paid off. #### Who can use OnePay Later at Walmart? Eligibility is determined by Klarna and is based on several factors, including a soft credit check and information you provide in your application.  In order to apply for OnePay Later at Walmart, you must: - Be a U.S. resident with a valid U.S. address - Be at least 18 years old with a valid Social Security number (SSN) - Have a valid debit card or bank account - Be able to receive verification codes via text message If OnePay Later doesn’t appear at checkout while shopping online or in the app, it may not be available for your order. #### How do I apply for OnePay Later at Walmart? Scan the QR code located on the OnePay Later signage at a Walmart store near you, or choose OnePay Later when you check out at Walmart.com or in the Walmart app. If approved, you will be presented with up to three payment plans. Choose the best plan for you, and then complete your purchase. You may be eligible to pay over time with OnePay Later on purchases between $25 and $6,000. #### Where can I use OnePay Later at Walmart to make a purchase? You can apply during checkout on [Walmart.com](http://walmart.com) or in the Walmart app. If you’re approved, OnePay Later at Walmart will be used to complete your Walmart purchase. When applying in-store, bring your items for purchase and the OnePay Later barcode you received by text or email to scan as payment when checking out_._ #### Can I apply for  OnePay Later at Walmart in a Walmart store? Locate the OnePay Later in-store signage at your local Walmart store to scan the QR code and apply. #### What are the interest rates on OnePay Later at Walmart? Annual percentage rates (APR) for monthly financing range from 9.99% to 35.99%.  Your APR will be shown when you select a payment plan. You’ll see the total interest amount before accepting the offer. If you pay off your loan early, you may reduce the total interest you pay. #### Are there fees for using OnePay Later at Walmart? There are no fees when you pay on time. If a payment is late, a late fee of up to $7 will apply. #### How big of a purchase can I make with OnePay Later at Walmart? If approved, OnePay Later at Walmart can be used on purchases between $25 and $6,000. Your OnePay Later at Walmart purchase amount will be based on the items in your Walmart shopping cart and your OnePay Later at Walmart application details. Not all items are eligible for OnePay Later. #### What items are eligible to pay over time with OnePay Later at Walmart? You can pay over time in many categories at Walmart stores, Walmart.com, or in the Walmart app, including: - Electronics - Entertainment - Home - Apparel - Jewelry - Automotive - Sporting Goods - Lawn & Garden - Toys - Durable Baby Goods - Hearing aids and durable medical devices Certain categories are ineligible for financing, including: - Alcohol - Baby consumables - Gasoline - Groceries & food - Tobacco - Weapons & accessories - Pharmacy, health & wellness - Pet consumables - Personal care - Money Services - Wireless service plans - 1 hour photo - Gift Cards #### How can I view my previous loans that have been paid off? You can access paid-off loans in the OnePay app. To view your paid-off loans, follow these steps: - Tap on Pay Later from your home tab in the OnePay app - Select the ‘Past’ section - Select the loan you wish to view --- ### OnePay Later at Walmart: Refunds, Returns, or Order Issues URL: https://www.onepay.com/help-center/articles/onepay-later-refunds-returns-or-order-issues Last updated: 2026-05-12 #### What is the status of my order? Please refer to your purchase confirmation email from Walmart or the Walmart app for tracking the status of your order. In the OnePay app, your purchase will be displayed as “processing” until Walmart finalizes your purchase. #### Why is my purchase still “processing”? Your purchase may show “processing” while the purchase finalizes, usually within a few days of your purchase (in some rare cases, it may take up to 30 days). During this time, payments will not be due, and you will not incur any interest. If you have questions about the status of your order, we recommend reaching out to Walmart directly. #### What happens if Walmart cancels my order? If Walmart cancels your order, the refund from Walmart will be applied towards the OnePay Later at Walmart balance. If the credit is equal to or more than the balance owed, your OnePay Later at Walmart purchase will be closed, and any additional credit will be returned to you. If the refund is for less than the full balance, you will still owe any outstanding balance. If you have questions about why your order was cancelled or the details of your order, please contact Walmart directly. #### What happens if I cancel or return an order? OnePay will process any cancellations or returns as soon as Walmart processes them. If you are shipping an item back to Walmart, let us know so we can pause any payments due while the return is processed by Walmart. To contact us in-app: - Select the Pay Later tile from the Home tab - Select the support icon in the upper right corner - Choose Report a Return - Select the purchase you are inquiring about (if you have multiple OnePay Later loans) - Answer the questions to provide a few details about your order Once a cancellation or return is processed, you should receive a credit toward your loan for the canceled or returned amount. Note that if you received your refund to another card or on a gift card, you will still be required to pay your OnePay Later at Walmart balance. #### How long until I receive a refund for my return? Refunds are posted when Walmart receives the items and processes the return. Once your return has been completed, you will see the adjustment made to your balance. If you have questions about the status of your return or order, please contact Walmart directly. #### How do I dispute a purchase made with OnePay Later at Walmart? If you have issues with your order, we recommend contacting Walmart to resolve your concern. To dispute a purchase made with OnePay Later at Walmart, contact us in-app: - Select the Pay Later tile from the Home tab - Select the support icon in the upper right corner - Select Report a Problem - Select which purchase you are inquiring about (if you have multiple Pay Later loans) - Answer the questions to provide a few details about your order #### How do I dispute a payment? You may dispute a OnePay Later payment by contacting Customer Service or by saying File Dispute in chat. To contact us in-app: - Select the Pay Later tile from the Home tab - Select the chat icon in the upper right corner - Tap chat with support - Select which loan you are inquiring about (if you have multiple Pay Later loans) #### What will happen if I miss a payment? A late fee of up to $7 will be applied to your loan. Interest accrues daily on your outstanding balance, so late or partial payments can increase the total cost of your loan. Late payments may also be reported to the credit bureaus. --- ### OnePay Later Payments and Loan Management URL: https://www.onepay.com/help-center/articles/onepay-later-payments-and-loan-management Last updated: 2026-05-20 #### Where do I see the financing terms? You can view your financing terms in the OnePay app by tapping the Pay Later card on the Home Screen. From there, you can view your payment schedule or tap **Manage** in the top-right corner to see additional information. #### What payment methods are accepted? At this time, you can make a OnePay Later payment using a linked debit card. #### How do I make a payment? To make the next payment due for a loan(s): - Tap on **Pay Later** from your Home tab in the OnePay app - Select **Pay** next to the appropriate purchase - Follow the on-screen instructions to complete your payment #### Where can I find my payment schedule details? You'll receive your full payment schedule, including details of your first due payment, by email once your purchase is processed. You may also view your payment schedule at any time in the OnePay app. If a down payment is required, it's due at the time of purchase. #### How can I set up autopay? To set up Autopay: - Tap on **Pay Later** from your Home tab in the OnePay app - Select the purchase for which you want to enable Autopay - Select **Settings** and turn on Autopay - Choose your payment source or add a new one To change your payment method for Autopay: - Tap on Pay Later from your Home tab in the OnePay app - Choose the purchase for which you want to update your payment method - Tap the arrow next to Autopay On - Select the arrow next to your current payment method, then select where you’d like your Autopay payment to come from. #### Can I use my Builder Card as a payment method? Yes. If you have Builder Card, you can use your [virtual debit card number](https://www.onepay.com/help-center/articles/accessing-the-funds-in-your-onepay-deposit-account-without-your-onepay-card) to make a payment. When choosing a payment source for a Pay Later loan, select **OnePay Debit** from the available options; this automatically uses your virtual debit card to make the payment. #### Can I make my payment ahead of time or pay off my purchase early? You can make a payment on a OnePay Later purchase anytime by logging into your OnePay account and selecting the Pay button. There are no fees or penalties for paying off your loan early, and you may pay less total interest. #### What if I have more questions? You can start a chat session directly with Klarna, our servicing partner, directly from the OnePay app by: - Select the **Pay Later** tile from the Home tab - Select the Support icon in the upper-right corner - Select **Chat with support** You may also call Klarna directly at 1-844-357-8431; their support line is available 24/7. --- ### OnePay Later with trade up URL: https://www.onepay.com/help-center/articles/onepay-later-with-trade-up Last updated: 2026-05-12 #### What is OnePay Later with trade up? _OnePay has partnered with Klarna, a global leader of buy now, pay later services, to offer OnePay Later with trade up._ _OnePay Later with trade up lets you purchase the Macbook Neo online at _[_Walmart.com_](http://walmart.com)_ with monthly payments over a period of 36 months. The total price of the device is split into two parts:_ - _Monthly payments - You’ll make 36 equal monthly payments with APR ranging from 9.99% - 35.99% based on your credit__1_ - _Final payment -  After your monthly payments have ended, there’s a  37th final payment, which covers the remaining balance on the device. This final payment has 0% APR__1._ _At the end of your payment plan, you have the following options:_ ***Upgrade.***_ Trade in your device for a new one and apply for a new payment plan. The trade-in value will depend on the device’s condition, and it will be applied toward your final payment. _ ***Return.***_ Send your device back to receive credit toward your final payment, depending on the device’s condition._ ***Keep.***_ Make the final payment, and the device is yours to keep._ _To ensure you receive full credit for the final payment, your device must meet the criteria to be in good working condition._ #### How do I qualify for OnePay Later with trade up? _To apply, shop the MacBook Neo and select OnePay Later at checkout. You can then complete the application during the purchase process._ _If available, you may be automatically considered for a trade up plan for your MacBook. Eligibility can vary, and not all customers will qualify. In some cases, a down payment may be required._ #### How do I make a payment? _To make the next payment due for a loan(s):_ - _Open the OnePay app_ - _Tap on Pay Later from your Home tab_ - _Select Pay next to the loan you wish to make a payment for_ - _Follow the on-screen instructions to complete your payment_ _This will initiate a payment on the selected loan. If you pay more than your payment amount, it will be applied to the principal balance._ #### How can I change my payment method on file? - _Open the OnePay app_ - _Select the Home tab_ - _Tap Pay Later_ - _Select the Loan from the list_ - _Select the Payment Method button_ - _From here, you may view and manage your autopay status and your payment methods_ #### How does an upgrade work? _When it's time to trade in your device, we will send you the necessary information and timelines that you need to follow._ _To be eligible, the OnePay Later with trade up term length of 36 months must have passed._ _First, choose the eligible Macbook you’d like to trade in for an upgrade at Walmart. This will require applying for and starting a new OnePay Later with trade up payment plan._ _Then, send back your old device in good working condition (see criteria __here__)  to receive full credit for your final payment._ _All of the necessary shipping materials will be provided for you to send back your old device._ #### What criteria must be met to be eligible to trade in or to return your device? _The following conditions must be met to be eligible to trade in or to return your device._ - _The device must have been purchased using OnePay Later with trade up_ - _The full term length of the monthly payments must have passed: 36 months._ - _The device must be in good working condition to receive full credit_ ***Good working condition*** - _You will receive 100% of the value of the final payment. _ - Examples: - Normal wear and tear - No functional damage - Minor cosmetic imperfections ***Fair working condition*** - _You will receive 50% of the value of the final payment._ - Examples: - Screen damage - cracked or broken - Body damage - light scratches or small dents - Wear and tear does not affect device’s functionality ***Poor working condition*** - _You will receive 0% of the value of the final payment._ - Examples: - Significant damage to the body - Broken charging port - Broken buttons - Activation lock - FMiP/anti-theft lock is not disabled - GSMA lost/stolen - device IMEI automatically queried against the database 1. Loans subject to credit approval and eligibility. Monthly financing rates range from 9.99% - 35.99% APR based on creditworthiness and term length. For OnePay Later with trade up payment plan, at the end of the 36th month you can return your device, trade in your device with an option to upgrade, or keep your device and pay the remaining loan balance. For example, a $699.00 purchase might cost $16.72 per month over 36 months at 13.99% APR, with a final balloon payment of $209.70, with an option to return or upgrade the device, or keep the device by paying the final balloon payment. The final balloon payment is not subject to finance charges. For a return or trade in to pay off the final loan payment, the device must be in good working condition. If you keep the device, you may refinance the final loan payment. New payment plans and financing options are subject to credit approval. More details can be found in the trade up Program Terms and Conditions. Payment plans with a trade up are only available for cer tain MacBooks. OnePay Later, including plans with trade up, may not be available in all states, and a down payment may be required. --- ## OnePay Personal Loans ### About OnePay Personal Loans URL: https://www.onepay.com/help-center/articles/about-onepay-personal-loans Last updated: 2026-07-18 #### **What is a OnePay Personal Loan?** OnePay Personal Loans, provided through and serviced by our partner Upgrade2, are personal loans ranging from $1,000 to $50,000 for all eligible customers in the OnePay app. OnePay Personal Loans can be used to consolidate high-interest debt, pay for a large purchase, handle emergency expenses, or other personal expenses. All One Pay personal loans are subject to application review and approval. #### Where can I find Personal Loans in the OnePay app? If available to you, Personal Loans can be found in the OnePay app on the Home page in the **Discover more** section. If you receive a personal loan, it will appear under **Your credit** on the Home screen. 2. OnePay Personal Loans are made by Cross River Bank, a New Jersey state chartered bank, operating from its Wilmington, Delaware branch location and are offered through and serviced by Upgrade, Inc. ([NMLS #1548935](https://www.upgrade.com/help/upgrade-inc-state-licenses-and-consumer-information/state-licenses-and-consumer-information/upgrade-upgrade-inc-overview-state-licenses-and-consumer-information/) and [DBAs](https://www.upgrade.com/dba/)). Upgrade is a financial technology company, not a bank. --- ### Credit Bureau Reporting URL: https://www.onepay.com/help-center/articles/credit-bureau-reporting Last updated: 2026-05-12 #### Will there be a hard inquiry to my credit if I apply? Yes and no; the initial credit inquiry during application is only a soft inquiry and will not affect your credit score. If your loan is funded, a hard inquiry is performed on your credit report, which may affect your credit score and can be seen by third parties. #### When do you report to the credit bureau? Each OnePay loan account is reported monthly to the credit bureaus. #### What account should I look for on my credit report? Your loan should show up as “OnePay/CRB/Upgrade” (or something similar) on your credit report. #### Why does my credit report not show as paid for the most recent month? It may take a few weeks for credit bureaus to update your credit reports. They are not a real-time picture of what your credit looks like now. --- ### OnePay Personal Loan Application and Onboarding URL: https://www.onepay.com/help-center/articles/onepay-personal-loan-application-and-onboarding Last updated: 2026-06-04 #### **How do I apply for a OnePay Personal Loan?** To apply for a OnePay Personal Loan 1. Open the OnePay app 2. Scroll to the “Discover more” section 3. Tap **Personal Loans** 4. Tap **See if you pre-qualify **and follow the on-screen prompts to apply #### **Will applying for a loan hurt my credit?** Checking your rate and reviewing loan offers will not affect your credit score. At that stage, there would be a soft inquiry on your credit report, which can only be seen by you. If your loan is funded, a hard inquiry is performed on your credit report. A hard inquiry may affect your credit score and can be seen by third parties. #### How much can I borrow with a OnePay Personal Loan? OnePay Personal Loan amounts range from $1,000 to $50,000. #### What rates are available for a OnePay Personal Loan? OnePay Personal Loans have Annual Percentage Rates (APRs) from 7.74% to 35.99%, with origination fees from 1.85% to 9.99% deducted from the loan principle. Repayment terms range from 24 to 84 months. Your rate and terms may vary based on factors like your credit score, credit usage history, loan amount, and other factors. #### Do I need any additional documents or verification? You may be asked to provide additional verification. Possible verification documents may include government ID, selfie, bank statements, email address, or a utility bill. #### I tried to upload a document and it failed. What should I do? Check the document and try uploading it again. Make sure the document is the original version, with no information hidden or covered, and that all details are easy to read. All four corners of the document should be visible in the image or file. You’ll also need to use one of these file types: PDF, JPG, JPEG, or PNG. #### I applied for a personal loan, how long does it take to get final approval? You can find out you are prequalified in minutes and most applications are approved within 24 hours after they are submitted. If additional information is needed from you, it can extend this timeline. #### I was prequalified for a personal loan; how long is the offer valid? If you’re prequalified and do not accept the offer right away, it will remain available for 10 days. #### Where will my personal loan be deposited? Your personal loan will be deposited into the bank account of your choosing. #### How quickly will I get my funds? After completing verification steps, standard funding is sent by Automated Clearing House (ACH) and typically takes 1 - 3 business days. #### What happens if my application is declined? If your application was declined for a OnePay Personal Loan, you will receive an Adverse Action notice with more information. --- ### OnePay Personal Loan Payments and Account Management URL: https://www.onepay.com/help-center/articles/onepay-personal-loan-payments-and-account-management Last updated: 2026-06-04 #### How can I view my loan info in the app? You can tap **Personal Loan** in the OnePay app to view your loan amount, next payment, terms, and payment history. #### Where can I find my loan documents and statements? To view your loan documents in the OnePay app: 1. Open the OnePay app 2. Tap the profile button at the top-right to access your Profile in the OnePay app 3. Tap **Documents** 4. Select the appropriate document type #### What payment methods can I use? You can make payments using a bank account and routing number. You cannot pay via credit card or debit card. #### How do I change my payment method? You can change your payment method in the OnePay app or by calling a OnePay Personal Loans Specialist at +1 (855) 633-6907. To update it in the app: 1. Open the OnePay app 2. Tap **Personal Loans** under Your credit 3. Tap **Questions about your loan?** at the bottom of the page #### Are there any fees associated with a OnePay Personal Loan? Yes, a OnePay Personal Loan has an origination fee of 1.85% to 9.99% of the loan amount. This fee is deducted from your loan principle before the funds are sent to you. You may also be charged a $10 fee for a failed electronic or check payment. Your bank may charge its own fee separately. If your full payment is not received within 15 calendar days of your due date, you may be charged a late fee of up to $10. This late fee is charged once for each late payment. --- ## Wireless ### About OnePay Wireless URL: https://www.onepay.com/help-center/articles/about-onepay-wireless Last updated: 2026-08-17 #### What is OnePay Wireless? OnePay Wireless is a prepaid mobile service available to eligible OnePay customers. For $35 per month (plus taxes and fees, 30 day plan), your plan includes unlimited talk, unlimited text, and unlimited 5G data on AT&T’s nationwide network. There are no long term contracts or hidden fees—you pay each month before using the service. #### How can I Sign Up? Open the OnePay app and select OnePay Wireless from the **Discover More** section of your Home Tab. You’ll be guided through eligibility checks (for example, confirming you have an active OnePay deposit account), choosing whether to keep your current number or pick a new one, and completing payment. [Activation](https://www.onepay.com/help-center/articles/onepay-wireless-activation-and-setup) instructions for eSIM will appear in the app once payment is confirmed.  You must have an eSIM-eligible device to use OnePay Wireless. #### What is an eSIM? An eSIM is an embedded SIM card that is built into your phone. It lets you activate mobile service without needing a physical SIM card. If your device is compatible, you can set up your Wireless plan directly through the OnePay app. #### What is a prepaid phone plan? A prepaid phone plan means you pay for service before you use it. With OnePay Wireless, you pay $35 plus taxes and fees up front and receive unlimited data, talk, and text for 30 days. #### What plans are available? OnePay Wireless offers a single plan for $35 per month (a month equals 30 days) plus taxes and fees. It provides unlimited talk, unlimited text, unlimited 5G data, and 10GB of mobile hotspot on AT&T’s network. If you decide to stop service, cancel in the app before your next payment date, and you will not be charged again. #### What network does OnePay Wireless use? OnePay Wireless runs on AT&T’s nationwide LTE and 5G network, so wherever you see AT&T service, you’ll have [coverage](https://www.att.com/maps/wireless-coverage.html). #### Is OnePay Wireless a wireless carrier? No. OnePay Wireless is powered by Gigs, our wireless carrier partner. Review the [OnePay Wireless Terms of Service](https://one-web.app.link/e/wireless-tos), Gigs’ [Terms of Service](https://gigs.com/legal/end-user-service-agreement), and [Privacy Policy](https://gigs.com/legal/privacy-policy) for more information. #### What is an IMEI and why do I need it? Your IMEI (International Mobile Equipment Identity) is a unique 15-digit number that identifies your phone. We use it to confirm that your device is unlocked and compatible with AT&T’s network before activating your eSIM. You can find your IMEI number in your phone’s settings or by dialing *#06#. If you're not sure where to look, check your device manufacturer’s support site for step-by-step instructions. #### How do I check if my device supports OnePay Wireless? Before ordering, make sure your phone meets these requirements: - Carrier Unlocked Status - Your phone must be carrier unlocked and not tied to any carrier (like Verizon or T-Mobile).  If your phone is locked and you try to transfer your number, you may experience service interruptions. To avoid this, check with your current carrier to confirm your IMEI is carrier unlocked before continuing. You can find your IMEI in your device settings or by dialing *#06# on your device. If your device is locked, request an unlock from your carrier before signing up. - AT&T Band Compatibility - Find your phone’s model number under **Settings > About** (iPhone) or **Settings > System > About Phone** (Android). Then, verify on the manufacturer’s website that this model supports AT&T LTE or 5G bands. Most devices released in the last few years meet these requirements. - eSIM Capability - Open your phone’s Settings and look for an option labeled “Add eSIM,” “Add Cellular Plan,” or similar. If you see it, your phone can use an eSIM for activation. If you don’t see any eSIM option, your phone cannot use eSIM, and you won’t be able to sign up. #### How do I check how much data I have left? Your plan, renewal date, and current data usage appear on the main Wireless screen in the app. --- ### OnePay Wireless Activation and Setup URL: https://www.onepay.com/help-center/articles/onepay-wireless-activation-and-setup Last updated: 2026-05-19 #### What do I need to get started? To begin with OnePay Wireless, you’ll need to: - Have an active OnePay account - Have an eSIM-compatible & carrier unlocked device - Choose to transfer your existing phone number or get a new one - Purchase your plan in the OnePay app - Follow the on-screen steps in the app and your phone’s prompts to activate the eSIM. #### How do I check if my device is carrier locked? To use OnePay Wireless, your device must be unlocked. If it’s locked to another carrier, your eSIM may not work and your number may be inaccessible after porting. - If you have an: 1. ***iPhone*** 1. _Go to _***Settings***_ > _***General***_ > _***About*** 2. _If _***Carrier Lock***_ says _***No SIM restrictions***_, your phone is unlocked. If you see anything else, it may be locked._ 3. _If you’re unsure, we recommend contacting your current carrier to confirm and request an unlock if needed._ 2. ***Android (including Samsung)*** 1. _There’s no single way to check carrier lock, but you can try this:_ 1. _Go to _***Settings***_ > _***Network & internet ***_(or _***Connections***_)_ 2. _Tap _***SIMs***_ or _***Mobile Networks*** 3. _Turn off automatic network selection_ 4. _If only your current carrier appears, your phone may be locked_ 5. _If you see multiple carriers listed, your device is likely unlocked_ 2. _Some Android devices also have a “Network unlock” option under “More connection settings” that shows your current lock status._ 3. _If you’re unsure, we recommend contacting your current carrier to confirm and request an unlock if needed._ #### How do I start this service with a new phone number? Select “I want a new number” during sign-up in the OnePay app. Activation instructions for eSIM will appear in the app once your payment is confirmed. Once activated, your line will be live with that new number. #### When will my plan be activated? If you are setting up a new phone number, the plan is active once the purchase is complete and the eSIM is activated. If you choose to [port (transfer) your existing number](https://www.onepay.com/help-center/articles/porting-your-number-to-onepay-wireless), your line becomes active when the port finishes—usually within a few hours, but sometimes up to two business days. You can check port status in the OnePay app, and we’ll notify you as soon as it’s done. #### How do I activate my eSIM on my iPhone? After completing payment in the app, follow the on-screen prompts on your device to activate your eSIM. Please note that iOS devices may ask you to assign cellular plan labels. The first label will usually be your old plan, and the second will be your new eSIM line. You can tap the second label and rename it “OnePay Wireless” so it’s easy to distinguish. If you select the wrong plan by mistake, you can fix it later in your phone’s Settings under Cellular (iOS) or SIMs (Android) by selecting the correct line for calls and data. If you are on iOS version 18.4 and older, make sure you [enable 5G Auto](https://support.apple.com/en-gb/108383) on your device and toggle enable [Wi-Fi calling](https://support.apple.com/en-gb/108066). #### How can I activate my eSIM on an Android device? After completing payment in the app, follow the on-screen prompts on your device to activate your eSIM. You may need to manually install your eSIM by following the steps below: 1. Open the email with your QR code on a different device (you’ll need to scan it using your phone). 2. On your phone, go to **Settings** > **Network & internet**. 3. Tap **SIMs**, then select **Download a SIM instead?** 4. Tap **Next**. 5. Use your phone to scan the QR code from the email. 6. When prompted, tap **Download** to begin setup. Once the download is complete, tap **Settings** and then **Yes** to activate your plan. #### How do I switch between eSIM profiles? If you have more than one eSIM on your device, you can choose which line to use for calls, texts, or data. Settings menus vary by phone and software version, but the general steps are: 1. Open your phone’s settings and look for **Cellular** (iOS) or **SIMs** (Android). 2. Tap the eSIM you want to use. 3. Set that line as your default for voice or data. Once you’ve selected the right profile, your phone will use that eSIM for all services. If you don’t see the exact labels shown here, or if menus look different, just look for similar options in your Cellular or Network settings. #### How do I link my OnePay Wireless phone number to my OnePay profile? Once your new phone number is active, the app will prompt you to update the phone number on your OnePay profile so alerts and reminders go to the correct line. If you skipped this step, you can manually update the phone number linked to your OnePay profile. See [Updating your profile](https://www.onepay.com/help-center/articles/updating-your-profile) for more information. #### How do I reactivate a plan? If you canceled your plan, you can reactivate it as long as your eSIM profile is still on your device and you are a OnePay customer. To reactivate: 1. Tap on Wireless from your home tab in the OnePay app 2. Select **Reactivate Plan** OnePay Wireless will hold your phone number for up to 60 days. After this time, you may receive a different phone number upon reactivation. #### What if I get a new device? If your new phone supports eSIM transfer, you can move your service during setup—just follow the on-screen steps. If not, we’ll help you install a new eSIM. Make sure your device is unlocked and eSIM-compatible. Contact support if you need help. --- ### OnePay Wireless Billing and Plan Management URL: https://www.onepay.com/help-center/articles/onepay-wireless-billing-and-plan-management Last updated: 2026-05-19 #### When will I be billed for my Wireless plan? Your plan is prepaid and billed monthly (30-day cycle). Your first payment is charged during setup, and future payments are processed automatically on the last day of your payment cycle, unless canceled. You'll receive a reminder before your next payment is charged. #### What payment methods can I use for my Wireless plan? Wireless plan payments are processed each month automatically. If you bank through OnePay, payments are taken from your OnePay Checking balance or your selected method of payment. If there are insufficient funds, your backup payment method, [Savings Backup](https://www.onepay.com/help-center/articles/savings-backup-and-overdraft-protection?from=products), or[ Overdraft Protection](https://www.onepay.com/help-center/articles/savings-backup-and-overdraft-protection?from=products), if enabled. You can also choose to pay with a linked external debit or credit card. If you don’t bank through OnePay, you’ll need to use a linked external debit or credit card as your payment method. #### How do I set a different payment method for my OnePay Wireless renewal? You can choose which payment method is used when your OnePay Wireless plan renews. To set up or edit your payment methods: - Open the OnePay app - Tap the **Wireless** tab on your home page - Tap **Payments** - Select a linked debit or credit card, or add a new card #### How can I set up a backup payment method? You can set up a backup payment method for your Wireless plan using an external debit or credit card. - Your backup payment method will be used if your primary payment method doesn’t have enough funds. - You can add or update your backup payment method at any time in the app. If you set up a backup payment method prior to 4/13/26, it will load your deposit account using an external debit card instead of paying for your Wireless plan directly. You can update your backup payment method to use a debit or credit card for direct payment anytime in the app. #### How can I view my Wireless payments? To view your payment history and charges in the OnePay app: 1. Tap on Wireless from your home tab 2. Select **Payments**,** **then** Payment activity** #### Where can I see my Wireless plan details? You can view your current Wireless plan, payment method, and renewal date by selecting the Wireless tile from the Home tab in the OnePay app. #### Can I add more lines or create a family plan? At this time, only single-line plans are available. We’ll share updates if additional line options become available in the future. #### How do I cancel my Wireless plan? You can cancel your Wireless plan in the app at any time. Service will remain active through the end of your current payment cycle unless stated otherwise. To cancel your Wireless plan in the OnePay app: 1. Tap on Wireless from your Home tab in the OnePay app 2. Select** Payments**,** **then** Cancel plan,** and follow the on-screen instructions To view your transfer details to transfer your phone number to another carrier:  1. Do not cancel your OnePay Wireless plan until the porting is completed 2. Tap on Wireless from your home tab in the OnePay app 3. Select **Manage**,** **then** Porting information** #### What happens to my Wireless plan if I close my OnePay deposit account? If you close your OnePay deposit account and do not have a Wireless payment setup through your [OnePay Wallet](https://www.onepay.com/help-center/articles/about-onepay-wallet), your Wireless account will be closed as well. If you close your OnePay Wallet, your Wireless account will also be closed. You’ll keep service through the end of your current prepaid period, but you won’t be able to renew or reactivate. --- ### Porting (transferring) Your Number to OnePay Wireless URL: https://www.onepay.com/help-center/articles/porting-your-number-to-onepay-wireless Last updated: 2026-02-11 #### Can I keep my current phone number when switching to OnePay Wireless? Yes, you can bring your existing phone number with you during setup. This process is called number porting, and OnePay Wireless supports porting from most major carriers. #### How do I port my number to OnePay Wireless? During setup, you’ll be asked if you want a new number or to keep your existing one. If you choose to keep your number, you’ll enter your phone number, account number, and PIN or password from your current carrier. You may also be required to enter additional information depending on the carrier. #### What if my porting PIN or password expired? Porting credentials typically expire after a few days. If yours has expired, contact your current carrier and ask them to provide a new PIN or password. Once you have the updated credentials, return to the app and enter them so we can finish porting your number. #### Should I cancel my current phone plan before porting my number? No. Your number must stay active with your current carrier while the porting request is being processed. Once your number is successfully transferred, your previous carrier may close the account automatically. To be sure your old plan is cancelled, you may contact them directly to confirm. #### What if I cancelled my existing plan before porting? If you’ve already canceled your old plan, the port can’t complete because your number must remain active to transfer. You’ll need to contact your previous carrier and ask them to reinstate service for that number. Once they’ve reactivated it, return to the OnePay app and start the port request again. If you’d rather skip this step, you can get a new number instead of transferring, just select “I want a new number” during sign-up in the OnePay app and activate your eSIM right away. #### When is my porting request submitted to my current carrier? Your request is submitted to your current carrier shortly after you provide your information during setup. We’ll send you a notification once your number has been transferred. #### How long does number porting take? Number porting usually takes a few hours, but in some cases, it may take up to 2 business days. #### My number porting is taking longer than expected. What should I do? If your port is delayed, first double-check the app for additional instructions and then confirm your phone number, account number, and transfer PIN are all correct. Also, make sure your device isn’t still locked to your old carrier and that any port-protection services have been disabled. If everything looks good and you’re still waiting, reach out to [OnePay Wireless support](https://www.onepay.com/help-center/articles/contacting-onepay-customer-service) for help. #### What is port protection and how does it affect number porting? Port protection is a feature that helps prevent your number from being moved without your permission. If your current carrier has it turned on, you’ll need to disable it before your number can be transferred. This can usually be done through your carrier’s app or their customer support. #### What is a device lock? A device lock, also called a network or carrier lock, is a restriction your original carrier places on your phone so it only works with their SIM cards. If your phone is locked to another carrier, it will not accept a OnePay Wireless eSIM.  To remove the lock, contact your original carrier and ask them to unlock your device. Once they confirm it is unlocked, you can activate your OnePay Wireless eSIM. #### Can I port my number if I’m the account holder on a family plan? Yes. If you’re the account holder, you can port your number by entering your account number and transfer PIN during setup. Check with your carrier to see how this will impact the remaining members on your family plan. #### Can I port a number that’s part of a family plan if I’m not the account holder? If you’re not the account holder, you’ll need to get the porting details from the account owner, including your existing wireless plan’s account number and transfer PIN. Without this information, the request will be rejected. --- ## Invest ### About OnePay Invest URL: https://www.onepay.com/help-center/articles/about-onepay-invest Last updated: 2026-08-17 #### What is OnePay Invest? OnePay Invest lets you buy and sell stocks and ETFs directly from your OnePay account. All trades are funded through your OnePay deposit account, making it simple and seamless to manage your investments alongside the rest of your OnePay accounts. #### What type of account is available with OnePay Invest? OnePay Invest offers individual taxable brokerage accounts. OnePay does not currently offer joint or custodial brokerage accounts. #### What investments can I trade? You can trade most U.S.-listed stocks on the NYSE or Nasdaq and a selection of ETFs. Penny stocks, mutual funds, derivatives, options, OTC investments, and leveraged ETFs are currently not offered through OnePay Invest. #### Where are my investments held? OnePay Invest and OnePay IRA are offered through One Growth Securities LLC, a subsidiary of OnePay. Brokerage and custody services are provided by DriveWealth, a licensed and regulated clearing broker that works with One Growth Securities LLC to help complete your trades and keep your investments safe. #### Does OnePay choose investments for me? OnePay Invest and OnePay IRA are self-directed, which means you make all the decisions about buying and selling your investments. OnePay doesn’t provide recommendations or investment advice. If you’re unsure what to invest in, consider researching stocks, ETFs, and retirement accounts or speaking with a licensed financial professional for guidance. #### What risks should I be aware of? Investing involves risk, including the possibility of losing money. Some key risks to be aware of include: - Market risk: Prices may rise or fall with overall market conditions - Rapid price changes: Prices can change quickly, sometimes by a lot - Company-specific risk: A single company’s performance may affect its stock value - Hard-to-sell investments: Some stocks may be more difficult to sell quickly - Dividends**:** These aren’t guaranteed, and companies can reduce or stop paying them at any time - IRA-specific considerations: IRAs have rules around contributions and withdrawals, and taking money out early may result in taxes, penalties, or loss of tax advantages Stock markets move up and down, and past performance doesn’t guarantee future results. OnePay doesn’t provide investment advice or guarantees. If you’re unsure about investing, consider researching stocks, ETFs, and retirement accounts or speaking with a licensed financial professional for guidance. #### What are the fees for an Invest account? Your OnePay Invest account has no trading commissions or maintenance fees.  When you sell investments, small SEC and FINRA regulatory fees may apply, and these will be shown in the app before you place your sell order. Regulatory fees apply no matter which investing service you use, and OnePay simply passes them along—we don’t make money from them.  If you choose to transfer your account to another firm, you may be charged a $90 transfer fee.  For complete details, see the [OnePay Invest Account Agreement](https://www.onepay.com/legal/invest/onepay-invest-account-agreement). #### Why do I have to pay regulatory fees? When you sell an investment, regulators (like the SEC and FINRA) charge a small fee to help pay for the oversight of U.S. markets. These fees apply no matter which investing service you use, and OnePay simply passes them along—we don’t make money from them. The FINRA Trading Activity Fee (TAF) helps cover the cost of market regulation, and the SEC Fee is collected by the U.S. Treasury to support market oversight.  You’ll see any applicable fees in the app before you place a sell order. #### Is my Invest account insured? Yes. Your Invest account is protected by the Securities Investor Protection Corporation (SIPC) through DriveWealth. SIPC protects customers of its members up to $500,000 (including $250,000 for claims for cash). You can learn more in the explanatory brochure at[ www.sipc.org](http://www.sipc.org). SIPC protection applies if a brokerage fails, and it does not cover market losses. In addition, your OnePay deposit account is FDIC-insured. #### Where does market data come from? Market data is provided by[ QUODD](https://www.quodd.com/) and Nasdaq Last Sale. In the OnePay app, you can see real-time stock and ETF prices, company charts, performance trends, and news updates. © 2025 Nasdaq, Inc. All Rights Reserved. The information, data, analysis and Information contained herein (i) include the proprietary information of Nasdaq, Inc. and applicable Nasdaq Market, (ii) are subject to applicable Nasdaq Requirements; (iii) may not be copied or further disseminated except as specifically authorized by Nasdaq, (iv) do not constitute investment advice, (v) are provided solely for informational purposes and (vi) Nasdaq makes no warranties including that the information is complete, accurate or timely. Nasdaq and Nasdaq Market bear no liability with respect to the data, analysis and Information **Investment products are not FDIC Insured, not bank guaranteed and may lose value. ** Brokerage Services by One Growth Securities LLC, member FINRA/SIPC. Clearing and custody provided by DriveWealth, LLC. --- ### Application and Onboarding for OnePay Invest URL: https://www.onepay.com/help-center/articles/application-and-onboarding Last updated: 2026-07-20 #### How do I open an Invest account? To open a OnePay Invest account, you need an active OnePay deposit account. Once that’s set up, you can apply for Invest by: 1. Opening the OnePay app 2. Selecting Invest from the Home tab 3. Following the instructions in the app to apply #### Who can open a OnePay Invest account? To open a OnePay Invest account, you must: - Bank through OnePay - Be at least 18 years old - Be a U.S. resident with a Social Security number (SSN) or Taxpayer Identification Number (ITIN) - Have a U.S. residential address During the application, you’ll also be asked to provide financial information and agree to the required account terms and disclosures. OnePay Invest currently offers self-directed individual investing accounts. Joint accounts and margin trading aren’t available. #### Why do I need a OnePay deposit account to open an Invest account at OnePay? All OnePay Invest transactions are processed through your OnePay deposit account. Buy orders are funded directly from your OnePay account (Debit or Savings balance), and money from selling investments and from dividends is automatically deposited into your OnePay Checking balance. There is no separate cash balance in your OnePay Invest account. Since all payments for trades and proceeds from selling investments move through your OnePay deposit account, you need to bank through OnePay to open and maintain an Invest account. #### Why was I declined an investment account with OnePay? OnePay uses third-party data sources to verify your personal information during the application process. If we're unable to verify the information you provided, your application may be declined. Other reasons your application may be declined include: - Identity verification issues – If we cannot confirm details such as your Social Security Number (SSN) or government-issued ID - Ineligibility – If you don't meet the requirements (for example, you're under 18, you don't have a valid SSN or ITIN, or you don't have a U.S. residential address) - Regulatory restrictions – Some applications may be declined due to compliance policies. **Investment products are not FDIC Insured, not bank guaranteed and may lose value. ** Brokerage Services by One Growth Securities LLC, member FINRA/SIPC. Clearing and custody provided by DriveWealth, LLC. --- ### Buying and Selling Investments for OnePay Invest URL: https://www.onepay.com/help-center/articles/buying-and-selling-securities Last updated: 2026-07-20 #### What are notional trading and fractional shares? Notional trading lets you buy a small portion of a stock based on how much money you want to invest, instead of buying whole shares.  Fractional shares are a portion of a full share of stock. They’re created when you place a notional order, which is an order based on a dollar amount rather than a specific number of shares. This is how fractional shares work: For example, if a company’s stock costs $150 per share, you can invest $5 and own a fraction of that share. Fractional shares can only be traded within OnePay Invest and OnePay IRA. They can’t be transferred to another brokerage account. #### When can I place trades? You can place an order in the OnePay app at any time, but trades are only processed during U.S. stock market hours: Monday-Friday, 9:30 AM to 4:00 PM Eastern Time (excluding market holidays). If you place an order outside those hours, it will automatically queue for the next market opening and go through when the market reopens. OnePay doesn’t support pre-market or after-hours trading. #### How do I place a trade? To place a trade in the OnePay app: 1. Open the OnePay app 2. Tap Invest 3. Once you locate the investment you’d like to trade, select Buy or Sell 4. Follow the on-screen instructions to place your order **Important**: Orders placed during market hours (9:30 a.m.–4:00 p.m. ET) are submitted immediately. Orders placed outside market hours are queued and submitted when the market reopens. #### What happens if I don’t have enough funds in my OnePay deposit account to buy stocks or ETFs? If your balance isn’t sufficient, you’ll be prompted to link a debit card to complete your buy order. You can also add funds to your deposit account before placing trades or use an existing linked debit card. Overdraft and Savings Backup can’t be used for Invest purchases. #### How can I check my past Invest trades? You can view your full history of stock and ETF buys and sells directly in the OnePay app. To check your Invest transaction history: 1. Open the OnePay app 2. Go to the Invest section from the Home tab 3. Tap Settings, then Transaction history Your recent Invest trades will be listed, including the date, amount, and type of order (buy or sell). #### How are trades completed? All trade orders are routed to our regulated clearing partner, DriveWealth, for execution. Trades are placed at the current market price and usually go through right away during market hours (Monday–Friday, 9:30 AM–4:00 PM ET, excluding U.S. market holidays). If you place an order outside market hours, it will go through when the market reopens. Prices in the app are updated frequently, but they may change slightly by the time your trade is completed. #### Can I cancel a trade? Trades placed during market hours can’t be canceled because they’re processed right away at the current price. If you place an order after market hours, you may be able to cancel it before the market opens. To view your transaction history: 1. Open the OnePay app 2. Select Invest or IRA from the Home tab under Your Investments 3. On your portfolio page, you’ll see a section titled “Pending activity” where any open orders will be displayed 4. Select the order you would like to cancel, then click Cancel #### Which stocks and ETFs are not supported? You can trade most major U.S.-listed stocks and ETFs listed on the NYSE and Nasdaq. We don’t support: - Stocks with very low trading volume or very small market caps - Stocks priced under $1 (penny stocks) - Leveraged or inverse ETFs - Bonds, mutual funds, futures, or options If you don’t see a stock in the app, it may not be supported by OnePay Invest. If a stock or ETF you already own falls out of policy for what OnePay Invest supports, you won’t be able to buy more, but you will still be able to sell your shares. #### Can I trade on margin or buy options? OnePay Invest doesn’t support trading with margin leverage or options trading. Trades are fully funded using your OnePay deposit account. If your balance isn’t enough, you can use a linked debit card or add funds to your deposit account before placing the order. #### How do I report a trade issue? If something doesn’t look right with your trade, you have the option to initiate a dispute. [Click here](https://www.onepay.com/help-center/articles/disputes?query=dispute#how-do-i-file-a-dispute?) to learn more about how to initiate a dispute in the OnePay app. #### Are there limits on Invest transactions? Yes, to help keep your account safe, we set limits on certain types of stock and ETF trades. These limits can vary based on factors like the type and size of the transaction and how long your account has been open. These safeguards are part of our fraud prevention efforts and are based on typical account activity, such as how customers fund their accounts, the size and frequency of trades, and the number of transactions placed in a single day. Your limits may also change over time as your account history builds. #### Can I use my OnePay Points to invest in stocks or ETFs? Yes. You can redeem OnePay Points as cash back, which is immediately submitted for the exact cash back amount to purchase your selected stock or ETF. Once OnePay Points are redeemed, they cannot be converted back into points. #### When can I buy stocks or ETFs using OnePay Points? If you redeem points during market hours, your order is placed immediately. If you redeem points outside of market hours, your order will be queued and placed on the next available trading day. #### How do I buy a stock or ETF using OnePay Points? To make an investment using OnePay Points: 1. Open the OnePay app. 2. Tap the points listed in the upper-right corner of the Home screen. 3. Tap Redeem. 4. Select Invest. 5. Tap Continue. 6. Enter the amount of OnePay Points you wish to redeem (minimum of 25 points), and tap Continue. 7. Pick a stock or ETF investment, and follow the on-screen instructions to place your order. #### **What is an IPO?** An IPO or initial public offering, is when a private company makes its stock available to public for the first time. Once a company's shares begin trading on a public exchange like the NYSE or Nasdaq, anyone can buy and sell them — including through OnePay Invest. #### **Why can’t I buy an IPO stock in my OnePay Invest account yet?** Even if an IPO has been announced or is in progress of going public, the stock may not be available to purchase right away. In some cases, shares may first be offered to certain investors before they are available for  trading on the exchanges. OnePay Invest will make the stock available once it is actively trading and live market data is available.** ** #### **When will the IPO be available to trade in my OnePay Invest account?** Availability depends on when the stock begins trading publicly and when OnePay Invest is able to support it on our platform. We'll do our best to make it available as soon as possible once both of those conditions are met.If a stock is not available on your OnePay Invest account yet, please check back later. We may notify you when trading becomes available. **Investment products are not FDIC Insured, not bank guaranteed and may lose value. ** Brokerage Services by One Growth Securities LLC, member FINRA/SIPC. Clearing and custody provided by DriveWealth, LLC. --- ### Managing Your OnePay Invest Account URL: https://www.onepay.com/help-center/articles/managing-your-account Last updated: 2026-07-09 #### Can I add a beneficiary to my Invest account? Yes, you can add a beneficiary to your Invest account using the Transfer on Death (TOD) option. This means your investments can be transferred to a person or entity you choose if you pass away. This applies only to your Invest account, not your OnePay deposit account or other OnePay accounts. Adding a beneficiary doesn’t replace a legal will, so for broader estate planning, you may want to speak with a financial professional. To add or remove a beneficiary: 1. Open the OnePay app 2. Go to Invest 3. Select Settings 4. Choose Beneficiaries and Trusted Contacts [Tap here](https://web.onepay.com/link/invest/link/invest/beneficiary-trusted-contact) to add or update a beneficiary or a trusted contact. #### What does it mean to add a trusted contact to my Invest account for account safety? You can add a trusted contact to your Invest account. This is someone OnePay may reach out to if there are concerns about account security, fraud, or financial exploitation. This applies only to your Invest account, not your OnePay deposit account or other OnePay accounts. A trusted contact can’t make trades or decisions for you, but OnePay may contact them if we notice unusual activity or need to check on your well-being. To add or remove a trusted contact: 1. Open the OnePay app 2. Go to Invest 3. Select Settings 4. Select Beneficiaries and trusted contacts, and follow the on-screen instructions #### How do I update or remove a beneficiary or trusted contact on my Invest account? You can update or remove a beneficiary or trusted contact in the OnePay app at any time. To make changes: 1. Open the OnePay app 2. Go to Invest 3. Select Settings 4. Select Beneficiaries and trusted contacts, and follow the on-screen instructions [Tap here](https://web.onepay.com/link/invest/link/invest/beneficiary-trusted-contact) to update or remove a beneficiary or trusted contact on your Invest account. #### Where can I find my OnePay Invest account number? Your account number appears on your monthly Invest account statements, which are issued by DriveWealth. To view your account number: 1. Open the OnePay app 2. Tap Profile 3. Select Statements & Documents 4. Choose Statements 5. Select Invest You can also see your account number in the footer of the Invest statements section in the OnePay app. #### How do I close my Invest account? You can’t close your Invest account if you still have open investments. If you don’t have investments, you can request to close your account by chatting with our [Customer Support team](https://www.onepay.com/help-center/articles/contacting-onepay-customer-service) or calling our Customer Support team at 1 (855) 830-6200. Once your account is closed, you won’t be able to open another Invest account with OnePay. If you do have investments, you can either: - Sell your investments in the app. Once all your investments are sold, you can contact our customer support team to help with closing your account. - Transfer your whole shares to another broker. To do this, ask your new broker to start the transfer process (sometimes called an ACAT transfer). After your whole shares are moved, you can sell any remaining fractional shares and then contact our customer support team to help with closing your account. An ACAT transfer may be subject to a $90 fee, which would be charged to your account. Fractional shares can’t be transferred and will need to be sold before your account can be closed. #### What happens if I close my OnePay deposit account? All Invest transactions go through your OnePay deposit account, so you need an active deposit account to keep your Invest account open. If you want to close your deposit account, your Invest account will need to be closed first. #### **How do I transfer an existing investment account to OnePay?** You can transfer existing stocks or ETF’s held at another brokerage account into your OnePay Investment account through the ACAT transfer process by  following these steps: - Open the OnePay app and select on your OnePay Invest or IRA. - Tap on settings in the upper right hand corner. - Select Transfer an Account. - Choose your brokerage firm. - Enter the brokerage account number on your external account. - Confirm that the name on your external brokerage account matches the name on your OnePay account. - Follow the on-screen prompts to complete and submit your transfer request. Note: When transferring holdings to OnePay, the account types must match. For example, if you have a Traditional IRA at another brokerage, it must be transferred into a OnePay Traditional IRA. Transfers between mismatched account types are not permitted and will result in a failed transfer request. #### How do I transfer my Invest account to another broker? If you choose to move your Invest account, whole shares can be transferred to another broker, but fractional shares don’t transfer automatically. To start the process, ask your new broker to begin the transfer of your whole shares (sometimes called an ACAT transfer). After the transfer is complete, you can sell any remaining fractional shares in the OnePay app. ACAT transfers may be subject to a $90 fee, which would be charged to your account. #### **What is the status of my transfer from an external brokerage account?** You can track the status of your account transfer directly in the OnePay app. Open your OnePay Invest or IRA account and check the pending activity section.  Transfers typically take 5–7 business days to complete. If your transfer is taking longer than expected or shows as failed, you'll receive an email notification with more details. You can also view the reason in the app and resubmit a new transfer request once the issue has been resolved. #### **Why can’t I transfer bonds, options, or mutual funds into my OnePay investment account?** OnePay can only accept stocks and ETFs. If the securities being transferred are not supported by OnePay, the ACAT transfer request will be rejected. As a result, securities such as bonds, options, and mutual funds cannot be transferred into a OnePay investment account. #### **Are there any fees to transfer my holdings into a OnePay Invest or IRA?** While your external brokerage may charge an ACAT fee to transfer holdings out of your account, OnePay does not charge any fees to receive transferred positions into your OnePay investment account. #### **My transfer failed — what do I do?** If your transfer shows as Failed, you'll receive an email notification and can view the reason for the failure in the OnePay app. Common reasons include: - The account type on your transfer request didn't match your OnePay account (e.g., a Roth IRA transferred to a Traditional IRA) - The account number entered was incorrect - The transfer included assets that aren't supported (such as bonds, options, or mutual funds — OnePay only supports stocks and ETFs) - There were insufficient holdings in your account to complete the transfer Once you've identified the reason, you can submit a new transfer request with the corrected information. If your transfer was declined by your external brokerage, contact them directly for more details before resubmitting. #### **Can I cancel an account transfer after I've submitted it?** Once a transfer has been submitted through the OnePay app, it cannot be canceled through OnePay. If you'd like to stop the transfer before it completes, contact your external brokerage directly to request a stop on the transfer. **Investment products are not FDIC Insured, not bank guaranteed and may lose value. ** Brokerage Services by One Growth Securities LLC, member FINRA/SIPC. Clearing and custody provided by DriveWealth, LLC. --- ### Portfolio Management for OnePay Invest URL: https://www.onepay.com/help-center/articles/portfolio-management Last updated: 2026-05-19 #### What type of investments should I pick? OnePay Invest is a self-directed investing platform, which means all decisions about buying or selling investments are made by you. OnePay does not provide investment advice, make recommendations, or assess whether an investment is suitable for you. If you’re unsure about what to invest in, consider researching stocks and ETFs or speaking with a licensed financial professional for guidance. #### How is my portfolio performance calculated? Your portfolio performance shows how your investments have changed in value over time, both in U.S. dollars and as a percentage. It’s based on your OnePay Invest holdings and reflects how much your total portfolio value has increased or decreased over a selected time period, excluding the effects of any deposits or withdrawals. This calculation is influenced by the Modified Dietz Method, an industry-standard approach that helps ensure your returns accurately reflect your investment performance. _Your portfolio return shows the total return for the current day, combining all of your holdings. This information is provided for your reference only. Daily returns are calculated using market close prices (4 p.m. ET) from the previous trading day._ #### What does my portfolio chart show? Your portfolio chart tracks how the value of your investments (like stocks or ETFs) changes over time, excluding any deposits or withdrawals. This means the chart reflects only how your investments themselves have performed, whether they’ve gained or lost value. _Charts, including charts relating to your historic portfolio valuations or performance, or relating to past prices of specific securities, are provided for informational purposes only. Charts are based on various data sources, which may include market data or other information provided by third party information providers. One Growth does not make any representation or guarantee relating the accuracy, timeliness, or completeness of charts or any information or data on which they are based._ #### How do I set up and manage my recurring investments? You can schedule automatic purchases of a chosen investment daily, weekly, bi-weekly (every two weeks) or monthly. Once you pick the investment, dollar amount, frequency, start date, and the funding source, your OnePay Checking balance will fund each purchase without you having to place orders manually. If you choose to purchase with every direct deposit, your purchase will be triggered each time a direct deposit is received in your OnePay deposit account deposit account. Only the available funds from that specific deposit will be used for the purchase. To set up recurring investments: 1. Open the OnePay app 2. Select Invest from the Home tab 3. Select Search Investments 4. Once you find the investment you want to buy, select Buy 5. Toggle the recurring option on and select your desired frequency 6. Follow the on-screen instructions to choose your amount, funding source, and start date To manage your recurring investments: 1. Go to the Home tab in the OnePay app 2. Select Invest 3. Tap the Settings icon in the upper-right corner 4. Choose Recurring Investments 5. From here, you can set up a new recurring buy, edit an existing recurring investment (amount, funding source, frequency, or next investment date),or delete an existing recurring investment [Tap here](https://web.onepay.com/link/invest/recurring-investments) to set up recurring investments. #### What are corporate actions and proxy voting? Companies sometimes make decisions that affect their shareholders — these are called corporate actions. Some examples include: - Mergers or acquisitions - Stock splits (changing the number of shares per shareholder) - Delisting from the stock exchange (becoming a private company again) - Tender offers - Dividends (company profit paid out to shareholders) Some corporate actions may also include shareholder votes, known as proxy voting. If a corporate action affects a stock you own, you’ll receive an email with the details. The email will include any instructions if action is required. #### What types of shareholder communications will I receive? As a OnePay Invest customer, you may receive certain shareholder communications for some of your investments. These give you updates on company activity, fund performance, and shareholder rights. You may see: - Proxy materials: Voting statements or ballots - Prospectuses: Information about risks, fees, and performance for stocks or ETFs - Annual and semi-annual reports: Updates on fund or company performance - Corporate action notices: Events like stock splits, mergers, or other changes - Class action notices: Information about legal settlements related to investments you own or previously held If your investments are eligible, these materials will usually be sent to you electronically. Some may include links if action is required. #### How do I vote as a shareholder? As a shareholder, you may be eligible to vote on company matters, such as electing board members or approving mergers. This process is called proxy voting. If proxy voting is available for a stock you own, you’ll receive voting materials and instructions by email. These will explain how to submit your vote, which is usually done online or by mail. Not all stocks provide proxy voting rights, so you may not always receive voting materials. OnePay doesn’t provide voting advice, and how you choose to vote is completely up to you. #### What is dividend reinvestment? A Dividend Reinvestment Plan (also called DRIP) is an option that automatically uses the cash dividends you earn from eligible stocks or ETFs to buy more of that same investment. Instead of receiving dividend payments as cash, those funds are used to purchase additional shares or fractional shares. Changes to the dividend reinvestment settings are processed after the market close. It could take up to 24 hours for dividend reinvestment to be enabled or disabled on your Invest or IRA account. #### **How does dividend reinvestment work with OnePay investment accounts?** If you opt in to dividend reinvestment, any eligible dividends from holdings will automatically be reinvested into those same securities. You don’t need to take any extra steps each time a dividend is paid. Reinvested dividends appear in your transaction history as additional share purchases. If you don’t opt in, dividends will continue to be paid out as cash. To turn on or off your dividend reinvestments 1. Open the OnePay app 2. Select your investment account under **Your Investments** 3. Select the **Settings **icon in the upper-right corner 4. Tap **Dividend reinvestment** 5. **Toggle** the setting on or off Once turned on, dividend reinvestment applies to all eligible investments in that account. You can turn it off anytime. #### What happens when a security trading halt occurs? A trading halt means activity for a specific stock or ETF is temporarily paused. During the halt, you won’t be able to buy or sell that security. Security trading halts can usually last from a few minutes to hours, and extend longer in some cases. While a halt is in effect, the price of the security doesn’t change. Once trading resumes, you can place orders again. Halts apply only to the affected security, and you can continue trading other investments as usual. #### What happens during a market halt? A market halt is a rare event when trading across the entire stock market is paused. During a market halt, you won’t be able to buy or sell any securities. Halts usually last only a few minutes. While the market is paused, the value of your holdings doesn’t change. Once trading resumes, you can place new buy or sell orders. #### Are there risks associated with enabling stock lending? Stock lending does involve some risks. For example, while your shares are on loan, you temporarily give up certain rights like voting, and there are market and counterparty risks involved. Learn more about the risks [here](https://legal.drivewealth.com/fpsl-disclosure). #### **What is lending?** Stock lending lets you earn additional income from eligible fully paid stocks and ETFs you own in your OnePay Invest or OnePay IRA account. If you enable stock lending, One Growth Securities (our broker-dealer) may lend eligible securities on your behalf through DriveWealth when there is demand from financial institutions to borrow them. DriveWealth administers the stock lending program and calculates the revenue generated from securities that are on loan. You continue to own your shares while they are on loan, and you can sell them at any time. If you sell shares that are on loan, they are automatically recalled. You'll receive your share of the revenue generated from any securities that were on loan. **Things to know before you participate** Before you enroll in stock lending, it's important to understand how the program works. - **Voting rights:** While your shares are on loan, you temporarily give up your right to vote those shares at shareholder meetings. - **Dividends:** If a stock or ETF pays a dividend while your shares are on loan, you'll receive a manufactured dividend instead. This is a cash payment from the borrower equal to the value of the dividend, rather than the dividend itself. - **Counterparty risk:** Borrowers are required to provide collateral to help protect against default. - **Eligibility:** Eligibility may depend on factors such as your account balance, income, and how long your account has been open. Stock lending may not be available or appropriate for every customer. **How to opt out** You can turn off stock lending at any time. 1. Open the OnePay app. 2. Tap the **Invest** or **IRA** tile on your home screen. 3. Go to **Settings**. 4. Select **Stock Lending** and turn the feature off. #### **How does stock lending work? ** When you enroll in stock lending your shares may be loaned to other financial institutions in exchange for interest payments. You remain the owner of your investments the entire time, and you can still sell your shares at any time as you normally would. #### **Am I eligible for stock lending? ** Stock lending may not be appropriate for everyone. You may be eligible to participate in Stock lending depending upon certain factors, such as income or how long your OnePay Invest account has been open. #### How do I enroll or unenroll in stock lending? With OnePay investment accounts, you have the option to enroll in stock lending if you are eligible. To enroll or unenroll in Stock Lending: 1. Open the OnePay app 2. Select your investment account under** Your investments** 3. Select the Settings icon in the upper-right corner 4. Select Stock lending 5. Toggle the stock lending button Click [here](https://www.onepay.com/help-center/articles/portfolio-management) to learn more about stock lending with investment accounts in the OnePay app. #### **How do I earn money from stock lending? ** When your shares are loaned out, DriveWealth calculates the gross revenue earned based on market demand and current lending rates. The amount you receive depends on your account type: | **Account** | **Your share of gross stock lending revenue** | | --- | --- | | OnePay Invest | 15% | | OnePay IRA | 50% | Your stock lending earnings are credited automatically each month. - **OnePay Invest:** Earnings are deposited into the Debit pocket in your OnePay deposit account. - **OnePay IRA:** Earnings are credited directly to your IRA account. Stock lending earnings are not guaranteed. Because they depend on market demand for the specific stocks and ETFs you hold, you may not receive stock lending revenue every month. #### **Will I earn interest every month? ** Not necessarily. Stock lending earnings depend on market demand. Some months your investments may not be loaned out, and no interest will be earned. When interest is earned, it is typically paid around the **15th of the following month** and posted to your account. #### **What happens to dividends when my shares are on loan?** If your shares are on loan during a dividend payout, you won’t receive the dividend directly from the issuer. Instead, you’ll receive a manufactured dividend, which is paid by the borrowing party. The manufactured dividend represents the same value as the original dividend, and will be credited to your account and look very similar to regular dividend payments. --- ### Taxes & Documents for OnePay Invest URL: https://www.onepay.com/help-center/articles/taxes-and-documents Last updated: 2026-01-05 #### How do I view my statements, confirmations, and tax forms? You can access all of your Invest documents directly in the OnePay app. Your monthly statements, daily trade confirmations, and year-end tax forms (like 1099-B or 1099-DIV) are provided by DriveWealth and available in the OnePay app. To view them: 1. Open the OnePay app 2. Tap Profile, then Statements & Documents 3. Select Statements, Tax Documents, or Legal Documents 4. Choose Invest #### What’s a trade confirmation? A trade confirmation is like a receipt for your trade. It shows details such as what you bought or sold, the date and time, the price per share, total amount, and any fees or adjustments. Trade confirmations are made available the day after your trade. You can check your [Transaction History](https://web.onepay.com/link/invest/invest-transaction-history) in the OnePay app to see your trade confirmations the day after your trade. #### When will I receive my tax forms? Your year-end tax forms for Invest will be available in the OnePay app by the end of February. These forms typically include Form 1099-B or 1099-DIV for reporting your stock and ETF activity. To view your tax forms: 1. Open the OnePay app 2. Select Profile, then tap Statements & Documents 3. Select Tax Documents, then select Invest #### Do I have to pay taxes on my investment gains? Yes. When you sell stocks or ETFs for a profit, those gains may be taxable and need to be reported when you file your taxes. - Selling a stock or ETF for more than you paid may result in a capital gain. - Selling for less than you paid may result in a capital loss, which could offset other gains. - Your tax rate depends on how long you held the investment and your personal tax situation. OnePay doesn’t provide tax advice. If you have questions about your specific situation, we recommend speaking with a tax professional. #### When I sell shares, which ones are sold first? When you sell shares, OnePay Invest uses the FIFO method (First In, First Out)  to decide which shares to sell first. This means the oldest shares you bought are sold** **before newer ones.** **At this time, you can’t manually choose which shares to sell. The shares that are sold determine your realized gain or loss, which is used for tax reporting**.** #### Are dividends taxed? Yes, dividends you earn may be taxable. Qualified dividends may be taxed at a lower rate, while non-qualified dividends are taxed as ordinary income. If you earn dividends, a Form 1099-DIV will be available by the end of February. To review your Invest tax documents in the OnePay app: 1. Open the OnePay app 2. Tap Profile 3. Select Documents 4. Choose Invest OnePay doesn’t provide tax advice. If you have questions about your specific situation, we recommend speaking with a tax professional. #### Where can I see my cost basis? Your cost basis (the amount you paid for your investments) is included on your annual tax documents, which will be available by the end of February. To view these documents in the OnePay app: 1. Open the OnePay app 2. Tap Profile 3. Select Statements & Documents 4. Choose Invest **Investment products are not FDIC Insured, not bank guaranteed and may lose value. ** Brokerage Services by One Growth Securities LLC, member FINRA/SIPC. Clearing and custody provided by DriveWealth, LLC. --- ## Crypto ### About OnePay Crypto URL: https://www.onepay.com/help-center/articles/about-onepay-crypto Last updated: 2026-06-18 #### What is OnePay Crypto? OnePay Crypto lets you buy, sell, and hold cryptocurrency directly in the OnePay app.  All crypto transactions flow through your OnePay deposit account, making it simple and seamless to manage crypto alongside the rest of your OnePay accounts. #### Which cryptocurrencies can I trade? OnePay Crypto has a select offering of cryptocurrencies. If you search for a cryptocurrency and cannot find it in the app, it means we do not currently support it. We regularly update the cryptocurrencies offered. You can check the app for updated offerings. #### Who is eligible for OnePay Crypto? OnePay Crypto is available to all customers who bank through OnePay. To open a OnePay Crypto account, you must: - Have an active OnePay deposit account - Be 18 years or older - Have a valid Social Security Number (SSN) (ITINs are not accepted) - Live in a [supported U.S. territory](https://www.onepay.com/help-center/articles/application-and-onboarding-for-onepay-crypto#why-can%E2%80%99t-i-enroll-for-onepay-crypto-from-my-current-location?) If you meet these requirements, you can apply directly in the OnePay app [here](https://web.onepay.com/link/crypto/cross-sell). #### What are some risks to consider before opening a Crypto account? Buying and selling cryptocurrency comes with risks, including the possibility of losing money. Some key risks to be aware of include: - **Market Risk: **The value of crypto can rise or fall based on overall market activity and global economic events. - **Volatility Risk**: Cryptocurrencies are known for rapid and sometimes extreme price swings. - **Liquidity Risk:** While major cryptocurrencies are generally easy to buy and sell, sudden market conditions can impact execution or pricing. - **Technology & Security Risk**: Crypto trading depends on technology, and outages, cyberattacks, or system disruptions can affect access or execution. - **Regulatory Risk**: Changes in government regulations or laws may impact crypto trading or availability. - **No Guaranteed Returns**: Crypto is highly speculative, and past performance is not a predictor of future results. If you sell crypto for less than you paid, you may lose money. Values can change at any time, and there are no guaranteed returns. OnePay Crypto is a self-directed platform. You are responsible for making your own investment decisions. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrencies are not insured by the SPIC, FDIC, or any Federal Government Agency, are not a deposit, and may lose value. Trading Fees apply; see [Customer Agreement](https://www.onepay.com/legal/onepay-crypto-account-agreement) for details. Cryptocurrency transaction and custody services are powered by Zero Hash LLC and Zero Hash Liquidity Services LLC through an agreement with OneProgress Assets LLC. View additional disclosures [here](https://www.onepay.com/legal/zerohash-disclosures). --- ### Application and Onboarding for OnePay Crypto URL: https://www.onepay.com/help-center/articles/application-and-onboarding-for-onepay-crypto Last updated: 2026-07-20 #### How do I open a Crypto account, and what are the requirements? To open a OnePay Crypto account, you first need a OnePay deposit account. Once that’s set up, you can apply for Crypto by: 1. Opening the OnePay app 2. Select Crypto from the Home tab 3. Following the on-screen instructions to apply Or you can tap [here](https://web.onepay.com/link/crypto/cross-sell) to start your application. To be eligible, you must: - Be 18 or older - Have an active OnePay deposit account (required for funding trades) - Be a U.S. resident with a valid Social Security Number (SSN) — ITINs are not accepted - Live in a [supported U.S. territory](https://www.onepay.com/help-center/articles/application-and-onboarding-for-onepay-crypto#why-can%E2%80%99t-i-enroll-for-onepay-crypto-from-my-current-location?) OnePay is required to collect this information to verify your identity and comply with financial regulations. OnePay Crypto accounts are self-directed individual taxable accounts. Other account types, such as joint accounts or margin trading are not supported at this time. #### Why do I also need to bank through OnePay to open a Crypto account at OnePay? OnePay Crypto operates on a cashless model, which means: - All crypto buy orders are funded from your OnePay deposit account (Checking or Savings balance). - Sale proceeds are automatically deposited into your OnePay Checking balance. - There is no separate cash balance in your Crypto account. Since all crypto transactions are processed through OnePay, an active OnePay deposit account is required to open and maintain a OnePay Crypto account. #### Why was I declined for a OnePay Crypto account? OnePay uses third-party data sources to verify your personal information during the application process. If we’re unable to verify the information you provided, your application may be declined. Other reasons your Crypto account application may be declined include: - Identity verification issues – If we cannot confirm details such as your Social Security Number (SSN) or government-issued ID. - Ineligibility – If you don’t meet the requirements (for example, you’re under 18, you don’t have a valid SSN, or you live in a U.S. territory where Crypto isn’t supported). - Regulatory restrictions – Some accounts may be restricted due to compliance policies. #### Why can’t I enroll for OnePay Crypto from my current location? OnePay Crypto is available in most U.S. states and territories; however, there are certain locations where both enrolling to crypto and crypto trading are not supported. If your home address on file is in one of these unsupported locations, or if you are physically located in one of these locations, you may not be able to open a OnePay Crypto account or trade with an existing OnePay Crypto account. - Unsupported U.S. territories: - U.S. Virgin Islands - American Samoa - Guam - Northern Mariana Islands - Unsupported non-U.S. locations: - ZeroHash, our crypto partner, maintains a list of international jurisdictions where trading is restricted. You can view the complete list [here](https://docs.zerohash.com/docs/prohibited-and-restricted-non-us-jurisdictions-list). #### How do I close my Crypto account? You can only close your OnePay Crypto account if you no longer hold any cryptocurrency. If you don’t have any crypto, you can request to close your account by chatting with our [Customer Support team](https://www.onepay.com/help-center/articles/contacting-onepay-customer-service) or calling our Customer Support team at 1 (855) 830-6200. Once your Crypto account is closed, you will not be able to open another Crypto account with OnePay. If you still have cryptocurrency in your account, you’ll need to: 1. Sell all of your crypto holdings in the OnePay app 2. Once you don’t have any crypto, contact Customer Support to request closure Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrencies are not insured by the SPIC, FDIC, or any Federal Government Agency, are not a deposit, and may lose value. Trading Fees apply; see [Customer Agreement](https://www.onepay.com/legal/onepay-crypto-account-agreement) for details. Cryptocurrency transaction and custody services are powered by Zero Hash LLC and Zero Hash Liquidity Services LLC through an agreement with OneProgress Assets LLC. View additional disclosures [here](https://www.onepay.com/legal/zerohash-disclosures). --- ### Buying and Selling Crypto URL: https://www.onepay.com/help-center/articles/buying-and-selling-crypto Last updated: 2026-08-17 #### What type of cryptocurrency should I buy? OnePay Crypto is a self-directed trading platform, which means all decisions about buying or selling cryptocurrency are made by you. OnePay does not provide investment advice, make recommendations, or assess whether crypto is suitable for you. If you’re unsure about which cryptocurrency to buy, consider doing your own research or speaking with a licensed financial professional for guidance. #### How do I buy or sell cryptocurrency in the OnePay app? You can buy or sell cryptocurrency using the OnePay app. All crypto orders are market orders that are submitted immediately. Enter the dollar amount you wish to buy (minimum of $1), and your order will be placed right away. To buy or sell cryptocurrency: 1. Open the OnePay app 2. Select Crypto from the Home tab 3. Select the crypto you’d like to buy or sell 4. Select Buy or Sell and follow the on-screen instructions to place your order Or you can tap [here](https://web.onepay.com/link/crypto/landing) to begin placing your crypto buy or sell order. #### How quickly do crypto trades get executed once I place the order? All crypto trades are market orders and are submitted right away. In most cases, orders are executed shortly after they are placed — including during nights, weekends, and holidays. In rare cases, an order may show as pending if it can’t be filled instantly. It will either complete or be cancelled, and your transactions list will update with the final status. #### How do I access the funds from my Crypto sales? When you sell cryptocurrency, the funds are added automatically to your OnePay Checking balance, and you do not need to withdraw manually from your OnePay Crypto account. To sell cryptocurrency: 1. Open the OnePay app 2. Select Crypto from the Home tab 3. Select the crypto you’d like to sell 4. Select Sell and follow the on-screen instructions You can also tap [here](https://web.onepay.com/link/crypto/landing) to begin placing your crypto sell order. The proceeds from your crypto sales are available in your OnePay Checking balance shortly after the transaction is executed. Once the sale is confirmed, funds are generally accessible without a holding period. #### How do I set up and manage my recurring crypto purchases? You can schedule automatic purchases of cryptocurrency daily, weekly, bi-weekly (every two weeks) or monthly. Once you choose the cryptocurrency, dollar amount, and frequency, your OnePay Checking or Saving balance will fund each buy without you needing to place orders manually. If you choose to purchase with every direct deposit, your purchase will be triggered each time a direct deposit is received in your OnePay deposit account. Only the available funds from that specific deposit will be used for the purchase. To set up recurring crypto investments: 1. Open the OnePay app 2. Select Crypto from the Home tab 3. Select the crypto you’d like to buy 4. Follow the on-screen instructions to place your order and select the Recurring option 5. Enter the amount, choose your funding source, frequency, and select your start date 6. Review and confirm your recurring purchase To manage your recurring crypto investments: 1. Open the OnePay app 2. Select Crypto from the Home tab 3. Tap Settings 4. Choose Recurring Buys 5. From here, you can set up a new recurring buy or delete an existing recurring crypto transaction 6. You can also edit the amount, funding source, frequency, and next investment date #### What happens if I don’t have enough funds in my OnePay deposit account to buy crypto? If your balance (across all pockets) isn’t sufficient, you’ll be prompted to link a debit card to complete your crypto buy order. You can also add funds to your account before placing trades or use an existing linked debit card. Overdraft and Savings Backup can’t be used for Crypto purchases. #### What happens if I don’t have sufficient funds for a scheduled recurring crypto purchase? If you don’t have enough funds in your OnePay account when a recurring crypto purchase is scheduled, the purchase won’t go through at that time. Your next scheduled recurring purchase will still execute as planned if sufficient funds are available. For recurring purchases with every direct deposit, only the available funds from that deposit are used. If there aren’t enough funds from the deposit to complete the purchase, the transaction will not go through for that deposit. We’ll try again the next time a qualifying direct deposit is received. If you have multiple recurring purchases set up with direct deposit, they are attempted in order. If one purchase fails due to insufficient funds, the system will continue attempting the remaining purchases. After four consecutive cancellations due to insufficient funds, your recurring crypto investment will be automatically cancelled. #### How do I check my past Crypto trades? You can view your full history of crypto buys and sells directly in the OnePay app. To check your Crypto transaction history: 1. Open the OnePay app 2. Go to the Crypto section from the Home tab 3. Tap Settings, then Transaction history Your recent crypto trades will be listed, including the date, amount, and type of order (buy or sell). #### How do I transfer crypto from an external account into my OnePay Crypto account? You can transfer supported crypto from another platform into your OnePay Crypto account using the deposit details provided in the app. To deposit crypto into OnePay: 1. Open the OnePay app 2. Select Crypto from the Home tab 3. Select the option to **Move your crypto to OnePay** 4. Select the crypto you want to receive 5. Follow the on-screen instructions to view your crypto wallet address or QR code When depositing crypto, OnePay Crypto will provide your deposit details, including: - The supported network - Your deposit address - A memo or destination tag (if required) To complete the transfer, you’ll need to send crypto from the platform where it is currently held using the deposit address provided. The transfer itself is initiated on that external platform, not within OnePay. Before sending, make sure you select the correct crypto asset and network. Sending the wrong asset or using the wrong network may result in permanent loss. Make sure you select the correct crypto and network before sending. If you’re unsure how to send crypto, refer to the instructions provided by the platform you are sending from. #### What do I need to know before transferring crypto from an external account into OnePay? Before sending crypto, make sure you have the correct: - Crypto asset - Network for that asset - Wallet address or QR code Some crypto transfers may also require a memo or destination tag to be entered. A memo or destination tag is a short code used to match your transfer to your account. If required, it will be shown with your deposit details and should be included exactly as displayed. Crypto transactions cannot be canceled or reversed once they are sent. You may want to send a small test amount first before sending a larger transfer. Deposit times can vary depending on the crypto asset and network. Once the transfer is completed, the status will update in your OnePay Crypto account. #### Can I transfer crypto from my OnePay Crypto Account to another digital wallet? Yes. OnePay Crypto supports transfer to external digital wallets and other crypto platforms. To transfer your crypto: 1. Open the OnePay app. 2. Select Crypto from the Home tab. 3. Select the crypto asset you want to transfer. 4. Select Send and enter the recipient’s wallet' address. You can paste the address, type it manually, or scan a QR code. If the asset requires a memo or destination tag, you will need to enter those details to complete the transfer. 5. Enter the amount you want to withdraw. 6. Review the details and swipe to confirm. **Important** Crypto transactions can't be reversed once submitted. Make sure the wallet address is correct before confirming. Some assets may also require a memo or destination tag. Network fees may apply, and transfer times vary by blockchain network activity. #### Are there limits on crypto transactions? Yes. To help keep your account safe, we have limits on certain types of crypto transactions. These limits can vary based on factors like the type and size of the transaction and how long your account has been open. These safeguards are part of our fraud prevention efforts and are based on typical account activity, such as how customers fund their accounts, the size and frequency of trades, and the number of transactions placed in a single day. Your limits may also change over time as your account history builds. #### Can I use my OnePay Points to buy cryptocurrency? Yes. You can redeem OnePay Points as cash back, which is deposited directly into your OnePay deposit account, and immediately submitted for the exact cash back amount to buy the crypto you chose. You must redeem a minimum of 25 OnePay Points ($0.25) to buy crypto, and once the points are redeemed, they cannot be converted back into points. #### How do I buy crypto using OnePay Points? To buy crypto using OnePay Points: 1. Open the OnePay app. 2. Tap the points listed in the upper-right corner of the Home screen. 3. Tap Redeem. 4. Select Crypto. 5. Tap Continue. 6. Enter the amount of OnePay Points you wish to redeem (minimum of 25 points), and tap Continue. 7. Pick an asset for your points, and follow the on-screen instructions to place your order. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrencies are not insured by the SPIC, FDIC, or any Federal Government Agency, are not a deposit, and may lose value. Trading Fees apply; see [Customer Agreement](https://www.onepay.com/legal/onepay-crypto-account-agreement) for details. Cryptocurrency transaction and custody services are powered by Zero Hash LLC and Zero Hash Liquidity Services LLC through an agreement with OneProgress Assets LLC. View additional disclosures [here](https://www.onepay.com/legal/zerohash-disclosures). --- ### Fees, Statements & Tax Reporting for Crypto URL: https://www.onepay.com/help-center/articles/fees-statements-and-tax-reporting-for-crypto Last updated: 2026-06-18 #### What fees apply to my crypto transactions? Each crypto transaction has a transaction fee, which will be displayed on the confirmation screen before you submit your order.  In addition, we may include a spread (a mark-up or mark-down) in the conversion rate quoted for cryptocurrency trades. The spread helps manage market volatility and maintain service. Depending on market conditions, the spread may range from 0% to 1% and is included in the price shown on the confirmation screen before you complete your transaction. This means the price you see already includes this cost, so you won't need to do any extra calculations when you place your order. Transaction fees are excluded from [performance calculations](https://www.onepay.com/help-center/articles/fees-statements-and-tax-reporting-for-crypto#how-does-onepay-determine-my-crypto-performance?) in your Portfolio and Asset Details pages. You can see the breakdown of transaction fees [here](https://www.onepay.com/legal/onepay-crypto-account-agreement). #### Do I have to pay taxes on my crypto gains? Yes. When you sell crypto for a profit, those gains may be taxable and need to be reported when you file your taxes. - Selling cryptocurrency for more than you paid may result in a capital gain. - Selling for less than you paid may result in a capital loss, which could offset other gains. - Your tax rate depends on how long you held the crypto and your personal tax situation. OnePay doesn’t provide tax advice. If you have questions about your specific situation, we recommend speaking with a tax professional. #### Where can I learn more about taxes on cryptocurrency? For official guidance, the IRS provides an FAQ section on virtual currency transactions, which covers how crypto is taxed in the U.S. You can view it directly on the [IRS website](https://www.irs.gov/individuals/international-taxpayers/frequently-asked-questions-on-virtual-currency-transactions). OnePay does not provide tax advice. If you have questions about your specific tax situation, we recommend speaking with a licensed tax professional. #### How does OnePay determine my Crypto performance? OnePay measures performance using your average cost and the net money flowing in and out (buys vs. sells). Fees are not included in your performance calculation. For example, if you buy $10 of BTC and receive $9.51 after fees, your performance will be calculated based on the $9.51 actually invested. #### How do I view my statements and tax forms? OnePay Crypto does not provide monthly account statements; instead, you’ll receive email confirmations for each trade. You can review your year-end tax forms (such as Form 1099-MISC or 1099-DA) will be available by the end of March in the OnePay app. To view your crypto tax documents: 1. Open the OnePay app 2. Select Profile, then tap Documents 3. Choose Tax Documents 4. Select Crypto to view your available forms #### When will I receive my tax forms? You can view your year-end tax forms for Crypto will be available in the OnePay app by the end of March. These forms typically include Form 1099-MISC or 1099-DA for reporting your crypto sales.  To view your tax forms: 1. Open the OnePay app 2. Select Profile, then tap Documents 3. Select Tax documents, then select Crypto Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrencies are not insured by the SPIC, FDIC, or any Federal Government Agency, are not a deposit, and may lose value. Trading Fees apply; see [Customer Agreement](https://www.onepay.com/legal/onepay-crypto-account-agreement) for details. Cryptocurrency transaction and custody services are powered by Zero Hash LLC and Zero Hash Liquidity Services LLC through an agreement with OneProgress Assets LLC. View additional disclosures [here](https://www.onepay.com/legal/zerohash-disclosures). --- ### Sending and Receiving Crypto URL: https://www.onepay.com/help-center/articles/sending-and-receiving-crypto Last updated: 2026-08-17 #### Can I transfer crypto from my OnePay Crypto Account to another digital wallet? Yes. OnePay Crypto supports transfer to external digital wallets and other crypto platforms. To transfer your crypto: 1. Open the OnePay app. 2. Select Crypto from the Home tab. 3. Select the crypto asset you want to transfer. 4. Select Send and enter the recipient’s wallet' address. You can paste the address, type it manually, or scan a QR code. If the asset requires a memo or destination tag, you will need to enter those details to complete the transfer. 5. Enter the amount you want to withdraw. 6. Review the details and swipe to confirm. **Important** Crypto transactions can't be reversed once submitted. Make sure the wallet address is correct before confirming. Some assets may also require a memo or destination tag. Network fees may apply, and transfer times vary by blockchain network activity. #### What do I need to know before transferring crypto from an external account into OnePay? Before sending crypto, make sure you have the correct: - Crypto asset - Network for that asset - Wallet address or QR code Some crypto transfers may also require a memo or destination tag to be entered. A memo or destination tag is a short code used to match your transfer to your account. If required, it will be shown with your deposit details and should be included exactly as displayed. Crypto transactions cannot be canceled or reversed once they are sent. You may want to send a small test amount first before sending a larger transfer. Deposit times can vary depending on the crypto asset and network. Once the transfer is completed, the status will update in your OnePay Crypto account. #### How do I access the funds from my Crypto sales? When you sell cryptocurrency, the funds are added automatically to your OnePay Checking balance, and you do not need to withdraw manually from your OnePay Crypto account. To sell cryptocurrency: 1. Open the OnePay app 2. Select Crypto from the Home tab 3. Select the crypto you’d like to sell 4. Select Sell and follow the on-screen instructions You can also tap [here](https://web.onepay.com/link/crypto/landing) to begin placing your crypto sell order. The proceeds from your crypto sales are available in your OnePay Checking balance shortly after the transaction is executed. Once the sale is confirmed, funds are generally accessible without a holding period. #### How do I transfer crypto from an external account into my OnePay Crypto account? You can transfer supported crypto from another platform into your OnePay Crypto account using the deposit details provided in the app. To deposit crypto into OnePay: 1. Open the OnePay app 2. Select Crypto from the Home tab 3. Select the option to **Move your crypto to OnePay** 4. Select the crypto you want to receive 5. Follow the on-screen instructions to view your crypto wallet address or QR code When depositing crypto, OnePay Crypto will provide your deposit details, including: - The supported network - Your deposit address - A memo or destination tag (if required) To complete the transfer, you’ll need to send crypto from the platform where it is currently held using the deposit address provided. The transfer itself is initiated on that external platform, not within OnePay. Before sending, make sure you select the correct crypto asset and network. Sending the wrong asset or using the wrong network may result in permanent loss. Make sure you select the correct crypto and network before sending. If you’re unsure how to send crypto, refer to the instructions provided by the platform you are sending from. #### How do I send crypto from my OnePay Crypto account? To send crypto: 1. Open the OnePay app 2. Go to Crypto 3. Select the crypto you want to send 4. Enter the recipient’s wallet address by pasting it, typing it, or scanning a QR code 5. Enter the amount you want to send 6. Review the transfer details 7. Confirm the transfer If you’re sending to that address for the first time, you'll be prompted to verify that the transfer has been initiated by you. #### Why am I being asked to verify my identity before sending? For security, OnePay may require additional verification before completing a crypto transfer. If you’re sending to a new recipient address, step-up authentication is required. This may include a one-time passcode, a two-way text, the last 4 digits of your Social Security number, or an ID check. #### Are there fees to send crypto? Network fees may apply and will be shown on the review screen before you confirm your transfer. #### How long does it take for a crypto transfer to arrive in my digital wallet? Transfer times can vary depending on the blockchain network and network congestion. If your transfer is pending, it may still be going through network validation and confirmations. #### Can I cancel or reverse a crypto transfer? No. Crypto transfers can’t be canceled or reversed once they’ve been submitted to the blockchain. If you’re sending to a new address, consider sending a small test amount first. #### What happens if I send crypto to the wrong address or send the wrong amount? Crypto transfers are final once submitted to the blockchain. OnePay can’t cancel, reverse, or recover funds sent to the wrong address or for the wrong amount. Double-check all transfer details before confirming. #### How can I track my crypto deposit with a blockchain explorer? When you send crypto to your OnePay account from another platform, you can track its progress using a blockchain explorer. A blockchain explorer is a public tool that shows the status of crypto transactions in real time. You can use it to check if your transaction was sent, whether it is still pending or confirmed, and view details like the amount and recipient address. To track your deposit: 1. Get your Transaction Hash from the platform where you sent the crypto 2. Go to a blockchain explorer that matches the network your crypto was sent on 3. Paste the Transaction Hash into the explorer to view the transaction status Make sure the recipient address shown matches your OnePay deposit address. **Common Explorers by Network** | **Asset / Network** | **Blockchain Explorer** | | --- | --- | | Bitcoin (BTC), Litecoin (LTC), Bitcoin Cash (BCH) | [https://www.blockchain.com/explorer](https://www.blockchain.com/explorer) | | Ethereum (ETH) & ERC-20 tokens (LINK, UNI, SHIB, etc.) | [https://etherscan.io](https://etherscan.io) | | Polygon (MATIC) | [https://polygonscan.com](https://polygonscan.com) | | Arbitrum (ARB) | [https://arbiscan.io](https://arbiscan.io) | | Optimism (OP) | [https://optimistic.etherscan.io](https://optimistic.etherscan.io) | | Avalanche (AVAX) | [https://snowtrace.io](https://snowtrace.io) | | BNB Smart Chain (BNB) | [https://bscscan.com](https://bscscan.com) | | Celo (CELO) | [https://celoscan.io](https://celoscan.io) | | Ethereum Classic (ETC) | [https://blockscout.com/etc/mainnet](https://blockscout.com/etc/mainnet) | | Solana (SOL, PENGU) | [https://solscan.io](https://solscan.io) | | XRP (XRP) | [https://xrpscan.com](https://xrpscan.com) | | Dogecoin (DOGE) | [https://dogechain.info](https://dogechain.info) | | Cardano (ADA) | [https://cardanoscan.io](https://cardanoscan.io) | | Polkadot (DOT) | [https://subscan.io](https://subscan.io) | | Algorand (ALGO) | [https://algoexplorer.io](https://algoexplorer.io) | | NEAR (NEAR) | [https://nearblocks.io](https://nearblocks.io) | | Stellar (XLM) | [https://stellar.expert](https://stellar.expert) | | Hedera (HBAR) | [https://hashscan.io](https://hashscan.io) | | Cosmos (ATOM) | [https://www.mintscan.io](https://www.mintscan.io) | | Filecoin (FIL) | [https://filfox.info](https://filfox.info) | | Sui (SUI) | [https://suiexplorer.com](https://suiexplorer.com) | | Sei (SEI) | [https://sei.explorers.guru](https://sei.explorers.guru) | | Toncoin (TON) | [https://tonviewer.com](https://tonviewer.com) | | Aptos (APT) | [https://explorer.aptoslabs.com](https://explorer.aptoslabs.com) | | Tezos (XTZ) | [https://tzkt.io](https://tzkt.io) | #### Why hasn’t my crypto deposit arrived yet? Crypto deposits are not instant. Your funds will appear in your OnePay account after the blockchain confirms the transaction. Timing can vary depending on: - The network used - Network congestion - The transaction speed or fees selected when sending If your transaction has been completed on the blockchain, your deposit may still be processing. The status in your OnePay app will update once it is received. #### What should I do if I don’t see my crypto deposit? If your deposit hasn’t shown up yet: 1. Check the sending platform and make sure the transaction shows as completed, not pending or failed. 2. Check the blockchain explorer by using your transaction hash to confirm whether the transaction was successfully sent, and it has been confirmed on the network 3. Verify your details and confirm you used: - The correct wallet address - The correct network - Any required memo or destination tag (if applicable) If everything looks correct and your deposit is still not visible, it may still be processing. The status in your OnePay app will update once it is received. --- ## Builder Card ### About Builder Card URL: https://www.onepay.com/help-center/articles/about-builder-card Last updated: 2026-04-01 #### What is Builder Card? The OnePay Builder Card is a secured Mastercard® credit card connected to your OnePay deposit account. The amount you can spend is generally tied to your available Checking balance. You can swipe or tap as usual, anywhere Mastercard® credit is accepted.  There is no credit check to switch to the Builder Card, no monthly fees, and no security deposit required. #### How does Builder Card work? Builder Card helps you build your credit1 without any interest or monthly fees. Here’s how it works: - If you choose Builder Card, your Checking balance will generally be the amount you can use for Builder Card purchases. If you are eligible for fee-free Overdraft Protection, Cash Advance, or use Savings Backup, you will still have access to these features. - When you make a purchase with your Builder Card, the amount of the purchase is moved from your Checking balance to your Builder Card Lockbox subaccount, and those funds are no longer available to spend. - You can turn on autopayments which use the funds in your Builder Card Lockbox subaccount to automatically pay off your Builder Card balance, which can support  positive payment activity. _If you opt out of auto pay, you can pay your balance manually each month using your lockbox funds or via an external account._ - Unless you opt out, OnePay reports your Builder Card payment history to TransUnion®, Experian®, and Equifax®. Timely payments may help build credit, but credit score improvement is not guaranteed and depends on your overall financial behavior.2 - Builder Card customers will receive a virtual debit card with a different number for virtual payments like Apple Pay, peer-to-peer payments, or places where Mastercard® credit may not be accepted. Transactions you make with your virtual debit card will not count towards your Builder Card activity reported to the credit bureaus. For additional information on understanding your credit score, tap [here](https://www.onepay.com/help-center/articles/understanding-your-credit-score). #### How is Builder Card different from a traditional secured credit card? Unlike many traditional secured credit cards, Builder Card does not require a security deposit, there’s no interest charged, and has no monthly or annual fees. Other fees may apply. #### Is there a cost for the Builder Card? Builder Card has no monthly fees, no annual fees, and no interest charged. Other fees may apply. For more information about rates and fees associated with your OnePay deposit account, click [here](https://www.onepay.com/legal/account-rates-fees). Also, see your Builder Card Credit Card Agreement for details about a card replacement fee. #### Does the Builder Card have OnePay deposit benefits? Yes, when you are banking through OnePay using the Builder Card, you can still enjoy all the benefits, such as OnePay Points, high-yield savings, fee-free cash withdrawals at Allpoint ATMs, and getting paid up to two days early with Direct Deposit. #### Can I still earn OnePay Points using the Builder Card? Yes, you can still earn OnePay Points when using the Builder Card for transactions. #### Where can I use my Builder Card? You can make purchases with your Builder Card worldwide, wherever Mastercard® is accepted. Since the Builder Card is a credit card, some billers or apps may charge fees or not accept credit cards as a form of payment. In those cases, you may be able to [link your virtual debit card](https://www.onepay.com/help-center/articles/accessing-the-funds-in-your-onepay-deposit-account-without-your-onepay-card), [link your OnePay deposit account](https://www.onepay.com/help-center/articles/linking-accounts), or use [Bill Pay](https://www.onepay.com/help-center/articles/paying-a-bill-bill-pay) instead. The Builder Card cannot be swiped for cash withdrawals at Walmart or other merchant locations. It can be used for ATM withdrawals (fees may apply). #### Can I make ATM withdrawals with the Builder Card? Yes, you can still make ATM withdrawals at most ATM locations using your Builder Card. ATM withdrawals are fee-free at 55,000+ Allpoint ATMs nationwide for customers with [OnePay deposit account](https://www.onepay.com/help-center/articles/about-onepay-cash?from=products); otherwise, a $3 OnePay Cash Out fee will apply at ATMs outside of the Allpoint network. Customers may still incur fees charged by the ATM operator. #### Where can I find the terms and agreements for the Builder Card? To review OnePay’s Builder Card agreement, please visit [www.onepay.com/legal](http://onepay.com/legal) for more information. --- ### Credit Bureau Reporting (Builder Card) URL: https://www.onepay.com/help-center/articles/credit-bureau-reporting-builder-card Last updated: 2026-04-10 #### How quickly can Builder Card help build my credit, and when will it appear on my credit report? Building credit takes time, so it’s normal not to see a change in your credit score right away. Your Builder Card should appear on your credit report within 60 days of onboarding, usually a few days after your first due date. On your credit report, the account may appear as: - “OneProgress Services LLC” - “OnePay” Everyone’s credit history is different, so there isn’t a set timeline for how quickly or how much your credit score may change. Other activity on your credit report can also affect your score, and using Builder Card does not guarantee that your credit score will improve. #### Why does my credit report not show as paid for the most recent month? It may take a few weeks for credit bureaus to update your credit reports. They are not a real-time picture of what your credit looks like now. If you see something that isn’t accurate on your credit report, you can dispute it by contacting the creditor directly or by contacting any of the three major credit bureaus.   To submit a credit reporting dispute with OnePay, please contact the [Customer Service](https://www.onepay.com/help-center/articles/contacting-onepay-customer-service) team or say Agent in chat to speak with a OnePay Specialist. Credit bureau reporting disputes and documentation can be mailed to OnePay, PO Box 513717, Los Angeles, CA 90051-3717. For additional information on understanding your credit score, tap [here](https://www.onepay.com/help-center/articles/understanding-your-credit-score). #### Do you report to all 3 bureaus? Yes, we report to Equifax®, TransUnion®, and Experian®. #### Why did my credit score drop after I switched to Builder Card? When you open a new credit account, your credit score may temporarily decrease or fluctuate based on changes to your overall credit history . Your credit score may improve as your Builder Card activity is reported. OnePay does not post a hard inquiry to your credit report when you switch to Builder Card. Your credit score depends on many factors, and using the Builder Card does not guarantee that your credit score will improve. There may be other factors that have influenced your credit score. #### How can I monitor my credit score? If you have OnePay Credit Score enabled, you can view and track your credit score right from the Home tab of your OnePay app.  If OnePay Credit Score is not enabled, you will see the option to enable this feature under the Discover More section within your OnePay app. #### How do I dispute something on my credit report related to my Builder Card? To submit a credit reporting dispute with OnePay, please contact the [Customer Service](https://www.onepay.com/help-center/articles/contacting-onepay-customer-service) team or say Agent in chat to speak with a OnePay Specialist. Credit bureau reporting disputes and documentation can be mailed to OnePay, PO Box 513717, Los Angeles, CA 90051-3717. For additional information on understanding your credit score, tap [here](https://www.onepay.com/help-center/articles/understanding-your-credit-score). #### Will there be a hard inquiry to my credit if I sign up? No, but you may see a soft inquiry on your credit history. Soft inquiries will not have a negative effect on your credit score. For additional information on understanding your credit score, tap [here](https://www.onepay.com/help-center/articles/understanding-your-credit-score). --- ### Onboarding or Switching to Builder Card URL: https://www.onepay.com/help-center/articles/builder-card-onboarding Last updated: 2026-05-19 #### What is the difference between onboarding and switching? Onboarding is when a customer applies for, and is approved for both a OnePay deposit account and a Builder Card at the same time.  Switching is when existing customers who already have a OnePay deposit account with a debit card apply for a Builder Card. For step-by-step instructions, see [**How do I switch to a Builder Card?**](https://www.onepay.com/help-center/articles/builder-card-onboarding#how-do-i-switch-to-a-builder-card?) #### How do I switch to a Builder Card? Builder Card may be available to existing OnePay deposit customers to switch to in the app. To check if you have the option to switch to Builder Card: 1. Open the OnePay app. 2. Go to the **Home** tab. 3. If you see a Builder Card banner, select it. 4. Tap **Switch now** and follow the on-screen prompts. If you don’t see the option to switch, Builder Card may not be available for your account at this time. Eligibility can change, so you can check the Home tab again later. #### What are the eligibility requirements for a Builder Card, and why might I be denied? To be eligible for Builder Card, we must be able to verify your identity. You must also: - Be at least 18 years old (21 if you live in Mississippi) - Not have an active credit freeze No credit history is required to apply. However, your previous account history with OnePay may affect your eligibility. If your application was not approved, you’ll receive an email explaining the reason. If you haven’t received it, contact us or type “Agent” in chat and we can resend it. If your credit was frozen when you applied, you can contact the credit bureaus to remove the freeze and then submit a new application after it has been lifted. #### After I switch to Builder Card, can I still use my OnePay Debit Card? Your physical OnePay Debit Card will continue to work until your Builder Card is activated. Once your new Builder Card is activated, your physical OnePay Debit Card will be terminated and no longer available for use. You can destroy your previous OnePay Debit Card; it cannot be used again in the future. You will also be issued a new virtual debit card for use where credit cards are not accepted. #### Are there any fees for replacing my Builder Card with a OnePay Debit Card? No, there are no fees charged when you replace your Builder Card with a OnePay Debit Card. For more information about rates and fees associated with your OnePay deposit account, click [here](https://www.onepay.com/legal/account-rates-fees). Also, see your Builder Card Credit Card Agreement for details about a card replacement fee. If you would like to replace your Builder Card with a OnePay Debit Card, please contact [Customer Service](https://www.onepay.com/help-center/articles/contacting-onepay-customer-service) or say Agent in chat to be connected to a OnePay Specialist. --- ## @Work ### About OnePay @Work URL: https://www.onepay.com/help-center/articles/about-one-work Last updated: 2026-05-19 #### What is OnePay @Work? OnePay @Work is a voluntary benefit in the OnePay app that may be available through your employer. It helps you manage your money by giving you tools to access your pay early, track your spending, and set aside savings. If your employer offers @Work, you can find it by opening the OnePay app and tapping the **@Work** tile. #### How do I set up OnePay @Work? You can set up OnePay @Work in the OnePay app if your employer offers it. To get started: 1. Open the OnePay app 2. Tap the **@Work** tile 3. Follow the on-screen steps to complete setup You can also set up OnePay @Work on your mobile device by clicking [here](https://web.onepay.com/link/join?/product_intent=at_work) and tapping **@Work** to continue. #### Who can use OnePay @Work? OnePay @Work may be available if your employer offers it as a benefit. If your employer supports @Work, you can access it in the OnePay app by tapping the **@Work** tile. If you’re not sure whether your employer offers @Work, you can check with your employer for more information. #### Do I have to connect my bank account to use OnePay @Work? No, you do not need to connect a bank account to use OnePay @Work. You can use many @Work features directly in the OnePay app, including viewing your earnings, using Instapay, setting up @Work Save, and managing your budget. Some features or delivery options may require a linked bank account. For example, if you choose to send an Instapay to an external bank account, you’ll need to connect one. Otherwise, you can use other available options in the app, such as OnePay Spend or cash pick-up, if available. Availability of features and options may vary based on your employer and account setup. Click [here](https://www.onepay.com/help-center/articles/linking-accounts) to view more information on linking external accounts. #### **Why does OnePay @Work ask for my phone number, and what if it changes?** OnePay @Work uses your phone number to set up your account and help keep it secure. If you lose access to your phone or change your number, you’ll need to [contact our Customer Support team](https://www.onepay.com/help-center/articles/contacting-onepay-customer-service) so your account can be updated or access can be restricted. When reaching out, be prepared to provide: - Your current or previous phone number - Your updated phone number (if applicable) Support can help update your information or secure your account as needed. #### Can my employer see my information on OnePay @Work? No. Your employer cannot see the personal financial information you add in OnePay @Work, such as your bills, expenses, or savings. OnePay @Work uses this information to provide features like budgeting and “Okay to spend.” It is not shared with your employer. For more details, you can review the privacy notice and any employer-specific terms available in the OnePay app. --- ### Budgeting and Saving with OnePay @Work URL: https://www.onepay.com/help-center/articles/budgeting-and-saving-with-one-work Last updated: 2026-06-26 #### **How do I save with OnePay @Work?** @Work Save is a way to set aside money from your paycheck. To start saving, go to the @Work section in your OnePay app. 1. Open the OnePay app 2. Tap the **@Work** tile 3. Tap **Settings** 4. Select **Setup @Work** **Save **and follow the on-screen prompts You can choose a percentage of your pay to save, and that amount is set aside before your paycheck is made available. The money is placed into your @Work Save pocket, where you can transfer or withdraw it when needed. If you don’t have a OnePay deposit account, you may be prompted to create one during setup. #### **What's the difference between my bank balance and the “Okay to spend” amount OnePay @Work shows me?** Your “Okay to spend” amount is your bank balance minus money set aside for upcoming bills and other planned expenses. This amount is meant to reflect what may be available for everyday spending. To help keep this amount accurate, make sure your bills and income are added in the **Budget** section of OnePay @Work. #### **Is my “Okay to spend” balance up to date?** OnePay @Work updates your balance 3 times a day: once in the morning, once around midday, and once in the evening. #### **Where are my OnePay @Work Save funds?** Any funds deducted from your paycheck using the OnePay @Work Save feature are deposited into your OnePay @Work Save pocket on payday. Those funds will be available to withdraw/transfer whenever they settle in your “@Work Save” pocket. #### **How do I update my @Work Save preferences?** You can update your @Work Save preferences at any time in the OnePay app. To change your savings amount: 1. Open the OnePay app 2. Tap the **@Work** tile 3. Tap the **Settings** icon 4. Select **Manage Save** 5. Tap **Edit** next to your current amount 6. Enter a new percentage and tap **Continue** To pause or turn off saving: 1. Open the OnePay app 2. Tap the **@Work** tile 3. Tap the **Settings** icon 4. Select **Manage Save** 5. Toggle **@Work Save** on or off Changes apply to future paychecks. --- ### OnePay @Work Instapay URL: https://www.onepay.com/help-center/articles/one-work-instapay Last updated: 2026-06-26 #### **What is @Work Instapay?** Instapay is a feature within OnePay @Work that may allow eligible customers to access a portion of the wages they have already earned but have not yet been paid. The amount you can request is based on your earnings so far, including factors like hours worked, pay rate, and estimated deductions such as taxes. To view and request available earnings: 1. Open the OnePay app 2. Tap the **@Work** tile 3. Go to the **Instapay** section The available amount shown reflects your current estimated net earnings. #### How does Instapay work? Instapay works by connecting with your employer’s payroll and time tracking systems to estimate your earnings as you work. Based on this information, you may be able to request a portion of your earned pay before your scheduled payday. #### How often can I take an Instapay and how much can I get? How often you can use Instapay and how much you can access depends on your employer’s settings. Many employers allow access to a portion of your earned pay, often up to a percentage of your net earnings, and may set limits on how frequently you can request it. Most employers allow up to 50% of your net earnings and at least once a week. The amount shown reflects what may be available to you based on your current earnings and your employer’s rules. If you need more details about limits or frequency, you can check with your employer. #### **How do I set up Auto Instapay?** Auto Instapay lets you schedule an Instapay to be sent automatically when it’s available based on your employer’s settings. To set up Auto Instapay: 1. Open the OnePay app 2. Tap the **@Work** tile 3. Go to the **Settings** 4. Tap **Manage Auto Instapay** 5. Follow the on-screen steps to: - Choose a percentage of your net earnings - Select where the money will be deposited - Review your schedule Once turned on, Auto Instapay will be scheduled automatically based on your setup. You can update or turn off Auto Instapay at any time. Availability, timing, and amounts may vary depending on your employer’s settings and your earned pay. #### How do I pay back my Instapay? Instapay is usually repaid automatically from your paycheck on your next payday. For example, if you use Instapay to get $100, your paycheck will be $100 less on payday. If a repayment still needs to be completed, you can schedule it in the app. To schedule a repayment: 1. Open the OnePay app 2. Tap the **@Work** tile 3. Tap the **Settings** icon 4. Under **Instapay history**, select the Instapay you want to repay 5. Tap **Schedule repayment** 6. Follow the on-screen prompts Once scheduled, the repayment will be processed based on the option you selected. Repayment timing and options may vary depending on your employer’s settings and your account activity. Click [here](https://www.onepay.com/help-center/articles/direct-deposit?from=products) for more information on how your direct deposit is applied once it reaches your OnePay deposit account. #### How long does it take to receive my Instapay? The time it takes to receive your Instapay depends on the delivery method you select. If you choose to send your Instapay to your OnePay account, the money is typically added within seconds.* If you choose to send your Instapay to a linked bank account, timing depends on when the request was made. Requests made before 2:30 PM ET may arrive by the evening of the same day. Requests made after 2:30 PM ET may arrive the next day. Requests made after 2:30 PM ET on a Friday may arrive the next business day. If you choose cash pick-up, your Instapay is available for pickup shortly after it’s processed at a participating Walmart MoneyCenter or Customer Service desk in the U.S.* If you don’t see your Instapay when expected, you can [contact our Customer Support team](https://www.onepay.com/help-center/articles/contacting-onepay-customer-service) for help reviewing the transaction. * Currently available at select employers. #### Are there any hidden fees or interest when I use Instapay? Instapay does not charge interest. Some delivery options may include a fee, depending on how you choose to receive your money and your employer’s setup: Fees may apply depending on how you choose to receive your money and your employer’s setup. If you send your Instapay to your OnePay Spend account, instant delivery may be free if your employer has enabled it. If not, a fee may apply for instant delivery. If you choose to send your Instapay to a linked bank account, standard transfers are typically free but may take longer to arrive. Instapay and free instant deposits are available in most states if your employer has enabled this benefit. View available options in your app. --- ## Banking through OnePay ### What’s changing with banking in August 2026 URL: https://www.onepay.com/help-center/articles/bankingaugustupdate Last updated: 2026-07-31 ### **What's changing?** Starting August 1, benefits that were previously part of Banking+ are now available to more customers:  - Newly available to all customers who bank through OnePay1: - Earn 3% cash back on Walmart, dining, and gas purchases (up to $150 spent / month)2 - Earn 3.35% APY on your Savings balance3 - Free cardless withdrawals: Take out cash using a barcode at any Walmart Money Center or Customer Service desk for free. - Access to Credit Builder Loans (only available to customers that started banking through OnePay before 9/1/26) - We’re also simplifying things - all these features are available with one straightforward requirement of $500 or more in monthly direct deposits: - Fee-Free Overdraft4 - Mobile check deposit5 - Up to $400 OnePay Advance6 ### **Frequently Asked Questions** #### **What happens to Banking+?** Beginning August 1, 2026, Banking+ is retired. You don't need to do anything, and you will continue earning all the same benefits you did before. #### **Can I still earn 3% cash back?** Yes. Beginning August 1, 2026, all customers who bank through OnePay can choose to earn 3% cash back on eligible Walmart, gas, or dining purchases, up to $150 spent / month.2 #### **Do I still earn 3.35% APY on Savings?** Yes. All customers who bank through OnePay continue to earn 3.35% APY on Savings and Pay Autosave balances.3 #### **What happens to my Credit Builder Loan?** If you already have a Credit Builder Loan, nothing changes. Your loan continues until the end of its scheduled term. If you opened your deposit account before September 1, 2026, you may still be eligible to enroll in a Credit Builder Loan, if available. #### **Will I still get paid early?** Yes, nothing changes there. Customers who direct deposit to their OnePay account will get paid up to 2 days early.7 #### **Why doesn't the app mention Banking+ anymore?** We're simplifying the Banking experience by retiring the Banking+ program. Many benefits are now available to more customers who bank through OnePay, while other features are now based on qualifying direct deposits instead of Banking+ membership. These updates are reflected in your latest Deposit Account Agreement. --- ## Basics ### Account statements & Tax documents URL: https://www.onepay.com/help-center/articles/account-statements-and-tax-documents Last updated: 2026-01-22 #### How do I access my account statements? You can access your statements in the OnePay app or on the [website](https://web.OnePay.com/app/details/statements). - Tap the profile button at the top right to access your Profile in the OnePay app - Tap Documents then Statements - Select the month to view each statement You can also tap [here](https://web.onepay.com/link/profile/statements) to view your statements in the OnePay app. Electronic statements for the previous month are available by the 7th day of each month. We do not send physical statements through the mail. #### How do I get an account verification letter? You can request an account verification letter by [Contacting OnePay Customer Service](https://www.onepay.com/help-center/articles/contacting-onepay-customer-service) or saying Agent in chat to speak with a OnePay Specialist. An account verification letter will include your name, account, and routing numbers, and verify you as the account holder. #### Can I get a transaction letter or partial statement? OnePay does not provide partial statements or transaction letters. Transaction history is provided in each monthly statement, which is made available by the 7th day of the following month. #### Will I receive any tax documents? A 1099 tax form is a document we’re required to send both to you and the IRS after certain requirements have been met. You may receive a 1099 if you earned over $10 in interest (1099-INT), obtained over $600 in rewards/credits (1099-MISC), or had debts of $600 or more canceled (1099-C) in a calendar year. #### When will I receive a 1099 tax form? Eligible OnePay customers will be notified via email by the end of January to log in and download their 1099 tax documents. When your tax documents are ready, you can tap [here](https://web.onepay.com/link/profile/taxdocuments) to view them in the OnePay app. #### What if my 1099 tax document is incorrect? If the information provided in your 1099 tax documents from OnePay needs to be corrected, please contact [customer support](https://www.onepay.com/help-center/articles/contacting-onepay-customer-service) or say Agent in chat to be connected to a OnePay Specialist. #### How do I access my 1099? Eligible OnePay customers will be notified via email by the end of January to log in and download their 1099 tax documents. You can access your 1099 in the OnePay app: - Tap the profile button at the top right to access your Profile in the OnePay app - Tap Documents, then Tax Documents - Choose the OnePay product that has received a 1099 - Select the year to view each 1099 When your tax documents are ready, you can tap [here](https://web.onepay.com/link/profile/taxdocuments) to view them in the OnePay app. --- ### Connecting money apps URL: https://www.onepay.com/help-center/articles/connecting-money-apps Last updated: 2026-01-06 #### How do I use OnePay with peer-to-peer payment apps like Zelle, Venmo, and others? You can send funds to and from your OnePay deposit account using peer-to-peer payment apps such as Cash App, Venmo, Paypal, and others by linking your OnePay Debit Card or account and routing numbers.  OnePay does not charge any fees for peer-to-peer transfers, but the peer-to-peer service may. We are not directly integrated with Zelle. As a result, some transfers to and from your OnePay deposit account may not be supported.  You may not be able to use your Builder Card for peer-to-peer payments; Builder Card customers can use their virtual debit card instead. --- ### Contacting OnePay Customer Service URL: https://www.onepay.com/help-center/articles/contacting-onepay-customer-service Last updated: 2026-01-06 #### How do I contact Customer Service? We're here to answer any questions you may have about your account. Please pick the option that works best for you. You can access the OnePay Help Center by [clicking here](https://www.onepay.com/help-center). **Chat:** Chat is available 24/7. Tap on this [link](https://web.onepay.com/link/profile/supportchat/DEEP_LINK) from your mobile or web browser to start a chat or select Help from your Profile page in the OnePay app. **Phone:** We can be reached at +1 (855) 830-6200 24 hours a day, 7 days a week. --- ### Downloading the app URL: https://www.onepay.com/help-center/articles/downloading-the-app Last updated: 2026-01-06 #### How do I download the OnePay app? The OnePay app is available for download on the App Store or the Google Play Store for iOS and Android devices. You can also [download the app here by clicking here](https://one-web.app.link/download) from a mobile device. #### What device do I need to access my account? The OnePay app will work on any mobile device that uses the App Store or the Google Play Store. You can also visit [onepay.com](https://www.onepay.com) to log in and manage your account from a computer or other internet-enabled device. --- ### Linking accounts URL: https://www.onepay.com/help-center/articles/linking-accounts Last updated: 2026-01-06 #### How do I link an external account? We use Plaid or Mastercard Data Connect to connect your external bank account so you can easily transfer funds. To connect your external bank to OnePay: 1. Open the OnePay app. 2. Tap your initials to go to your Profile. 3. Select **Account** and then **Linked Accounts**. 4. Tap **Link bank account**. 5. You should see a pop-up that says, “OnePay uses Plaid or Mastercard Data Connect to connect your account.” 6. Tap **Get started**. 7. Search for your external bank, and enter your external bank login details. Make sure that any external accounts you connect to OnePay are in your name. Once connected, you can transfer money in and out of OnePay at any time. #### What kind of accounts can I link to? You can link to any personal checking or savings account as long as you are listed as an account owner. If we cannot verify your ownership of the external account, we may require additional documentation to complete the linking process. You can have up to 10 linked accounts. #### Is there another way to link an account? If you don’t see your financial institution listed, scroll down and tap Link with account numbers. Enter the account and routing numbers of your external bank. Plaid or Mastercard Data Connect will send a micro-deposit to the external bank account with a 3-letter code for verification. Once you see the micro-deposit in your external account, log into OnePay and follow these steps: 1. Open Cash Control in the OnePay app and select Linked Accounts (link icon) 2. You should see your external bank listed as pending 3. Select Verify 4. Enter the 3-letter code from the description of the deposit 5. Once verified, your account will be linked successfully You can also tap [here](https://web.onepay.com/link/balanceCashControlSheet) in the OnePay app and follow the steps listed above to link an external account. In some cases, you may need to submit documentation, such as a recent account statement, to help verify the ownership of that external account. #### Can I link my OnePay deposit account to an external bank? Yes, if your external bank uses Plaid, Mastercard Data Connect or a similar service to link external accounts, you can link any OnePay pocket or section to your external account. The process to link your account may vary by bank, but once you have started to link, follow the steps below: 1. Search for and select OnePay in the list of banks 2. Enter either the phone number or email address associated with your OnePay account 3. Input the one-time use 6-digit verification code sent by text message or email 4. Enter your account passcode 5. A screen will appear to select the pocket you want to connect --- ### Signing in URL: https://www.onepay.com/help-center/articles/signing-in Last updated: 2026-01-06 #### How do I sign into my account? - Open the OnePay app or website and select Sign In - Enter your mobile phone number or choose Sign in with your email - Enter the one-time use 6-digit verification code sent to your mobile device or email - Enter your account passcode You can also use face recognition or fingerprint authentication to sign in on your devices. #### What is my username and password? In place of a traditional username and password, you can sign in using your mobile phone number (which acts like your username) and the one-time 6-digit verification code sent to your mobile device (which works in place of a password). As a next step, you will also be asked for your account passcode. Never share your passcode with another person. #### What if I don’t have access to my phone number on file? You can sign in using the email address associated with your OnePay account. - Open the OnePay app or website and select Sign In - Select Sign In With Your Email - Enter the email address associated with your OnePay account - Check your email inbox for the one-time passcode - Enter the one-time passcode you received via email in the OnePay app - Enter your 4-digit account passcode - If you have not yet set up a passcode, you will be required to enter the last 4 digits of your SSN/ITIN and will then set a passcode Once sign in is completed, you can update your phone number in the OnePay app by following the steps in the [Updating your profile](https://www.onepay.com/help-center/articles/updating-your-profile) Help Center article. #### What if I don’t have access to the email address on file? You can sign in using the phone number associated with your OnePay account. - Open the OnePay app or website and select Sign In - Enter the phone number associated with your OnePay account - Enter the one-time passcode you received via text message - Enter your 4-digit account passcode - If you have not yet set up a passcode, you will be required to enter the last 4 digits of your SSN/ITIN and will then set a passcode Once sign in is completed, you can update your email address in the OnePay app by following the steps in the [Updating your profile](https://www.onepay.com/help-center/articles/updating-your-profile) Help Center article. #### What if I don’t receive a verification code? If you don’t receive the one-time use 6-digit verification code, tap RESEND in the OnePay app. If you still cannot receive the 6-digit verification code, contact [Customer Service](https://www.onepay.com/help-center/articles/contacting-onepay-customer-service) or say Agent in chat to speak with a OnePay Specialist. If you allow face recognition or fingerprint authentication to sign in, you will not be asked for your mobile phone number or verification code to access your account. --- ### Updating your profile URL: https://www.onepay.com/help-center/articles/updating-your-profile Last updated: 2026-06-24 #### How do I update my address? - Tap the profile button at the top right to access your Profile in the OnePay app - Select Account then Personal Information - Tap Edit next to your home or mailing address - Type your new address and select Confirm You can also tap [here](https://web.onepay.com/link/profile/editprofile) and follow the steps above to update your address in the OnePay app. Please use a physical residential address as your home address (we cannot accept business or commercial addresses). If you have a different mailing address, you can add that as well. #### How do I add or update my mailing address? You can add or update your mailing address separately from your physical home address on your account. Your mailing address is where you'll receive your OnePay debit card or any mail related to your OnePay account. Your home address, not your mailing address, is used as the billing address for purchases. #### How do I update my email address? - Tap the profile button at the top right to access your Profile in the OnePay app - Select Account then Personal Information - Tap Edit next to your email - Type your new email address and select Confirm - Enter the one-time passcode sent to your new email You can also tap [here](https://web.onepay.com/link/profile/editprofile) and follow the steps above to update your email address in the OnePay app. If you no longer have access to the email address on file with OnePay, please reach out to [Customer Support](https://www.onepay.com/help-center/articles/contacting-onepay-customer-service) or say Agent to speak to a OnePay Specialist in chat. #### How do I update my phone number? - Tap the profile button at the top right to access your Profile in the OnePay app - Select Account then Personal Information - Tap Edit next to your phone number - Type your new phone number and select Confirm - Enter the one-time passcode sent to your new phone number You can also tap [here](https://web.onepay.com/link/profile/editprofile) and follow the steps above to update your phone number in the OnePay app. If you are unable to log in, please reach out to [Customer Support](https://www.onepay.com/help-center/articles/contacting-onepay-customer-service) or say Agent to speak to a OnePay Specialist in chat. [**OnePay how to change your phone number**](https://youtube.com/shorts/K7cX-Mm1lbM)**  ** #### Can I use any phone number? You can use any U.S.-based mobile phone numbers that can receive text messages. Landlines cannot be used to create or access a OnePay account. #### Can I add a preferred name on my account? If you’d like us to refer to you by a preferred name other than your legal first name, [contact OnePay Customer Support](https://www.onepay.com/help-center/articles/contacting-onepay-customer-service) or say Agent to speak to a OnePay Specialist. Once set, we’ll use your preferred name in the OnePay app, and most communications, and a new physical card with your preferred name will automatically be sent to you. Account statements, tax documents, and other official records will continue to use your legal first name. #### Who can see my profile image and username? Your profile image and username are visible only to OnePay customers you’re connected with, including contacts you’ve synced. If another OnePay customer has your phone number saved, your profile may also appear when they sync their contacts. People who don’t have your contact information won’t see your photo or username. #### How do I change my profile image? To update your profile image: 1. Open the OnePay app 2. Tap (person icon) to access your Profile 3. Select Edit under your name 4. Select **Change your profile image** 5. Select either Choose a new photo or Take a new photo and follow the on-screen prompts #### How do I change my username? To update your username 1. Open the OnePay app 2. Tap (person icon) to access your Profile 3. Select Edit under your name 4. Select **Change your username** 5. Enter your new username and select Confirm --- ### What is OnePay? URL: https://www.onepay.com/help-center/articles/what-is-onepay Last updated: 2026-01-06 #### What is OnePay? On March 21, 2025, One became OnePay. You’ll now see our new name in the app, at Walmart, and in our communications. #### What products have new names? As part of this update, some of our product names have also changed. Below is a list of updated product names you may notice going forward: | **Old Name** | **New Name** | | --- | --- | | One Pay | OnePay Wallet | | OnePay Cash | Banking through OnePay | | One Debit Card | OnePay Debit Card | | Loans | OnePay Loans | #### Where are OnePay products available? | Region Availability | OnePay Product | | | | | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | | OnePay Later | @Work | Banking through OnePay | Wallet | Credit Score | Credit Card | Invest | Crypto | Wireless | OPMC | | Puerto Rico | ✅ | ❌ | ✅ | ✅ | ✅ | ✅ | ❌ | ✅ | ✅ | ✅ | | Guam | ❌ | ❌ | ✅ | ✅ | ✅ | ✅ | ❌ | ❌ | ✅ | ✅ | | US Virgin Islands | ❌ | ❌ | ✅ | ✅ | ✅ | ✅ | ❌ | ❌ | ✅ | ✅ | | American Samoa | ❌ | ❌ | ✅ | ✅ | ✅ | ✅ | ❌ | ❌ | ✅ | ✅ | | N. Mariana Islands | ❌ | ❌ | ✅ | ✅ | ✅ | ✅ | ❌ | ❌ | ✅ | ✅ | | AE Armed Forces of Europe, Middle East, Africa, and Canada | ❌ | ❌ | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | | AA Armed Forces of America (Excluding Canada) | ❌ | ❌ | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | | AP Armed Forces of the Pacific | ❌ | ❌ | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | | West Virginia | ❌ | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | ✅ | #### What are OnePay Rewards? OnePay Rewards is our rewards program that lets you earn [OnePay Points](https://www.onepay.com/help-center/categories/rewards) with Banking through OnePay, OnePay Wallet, and OnePay Credit Card. You can earn points on purchases at Walmart and certain gas stations, restaurants, and other top brands. You can redeem your points into a OnePay deposit account or other available option. You need a minimum of 25 points to make a redemption. Check out the [OnePay Rewards Terms](https://www.onepay.com/legal/onepay-rewards-terms) for the full program terms. #### Why did you change from cash back to Points? The switch to OnePay Points is about giving you flexible ways to earn and make the most of OnePay Rewards. You can redeem your points for cash back through the OnePay app—deposited directly into your OnePay deposit account. --- ## Benefits ### OnePay taxes powered by april URL: https://www.onepay.com/help-center/articles/onepay-taxes-powered-by-april Last updated: 2026-01-21 #### How do I file my taxes in the OnePay app? OnePay has partnered with april during tax season to offer free tax filing for customers who bank through OnePay on the OnePay app or by logging in through [OnePay.com](http://onepay.com). april guides you step-by-step so you can file quickly and easily. If you file your taxes through the OnePay app and april, and direct deposit your funds to your OnePay deposit account, you can receive your refund up to 5 days early¹. You will receive status updates on your return from april and be able to check its status directly in the OnePay app. Just tap on **Taxes** under Your services of the Home tab in the OnePay app during tax season to get started. #### Does it cost anything to file my taxes through the OnePay app? No. During tax season, filing your taxes through OnePay powered by april is free for customers who bank through OnePay. Only customers who bank through OnePay are eligible. #### When can I file my taxes? Tax filing through OnePay is a seasonal product. Tax filing is generally available starting in January, once the IRS opens filing, through April 15. When filing is available, look for the in-app prompts to get started. #### Where can I see my return status? If you filed your taxes in the OnePay app, you can check your return status in the OnePay app. If you need more help with your return, contact april support in the OnePay app by selecting the **Tax** option under Cash Control, or email [support@getapril.com](mailto:support@getapril.com). #### How do I get in touch with april support? You can contact april support by selecting the **Tax** option under Cash Control or by emailing [support@getapril.com](mailto:support@getapril.com). #### I started filing, but then stopped. How do I get back to continue? During tax season, if you started filing taxes in the OnePay app, you can go back into the tax filing flow in the OnePay app and continue where you left off. Outside of tax season, filing taxes in the Onepay app is not available. #### How can I download my return? You can access previously filed returns through OnePay taxes directly from the OnePay app: 1. Open the OnePay app 2. Tap **Profile**, then **Statements & Documents** 3. Select **Tax Documents** If available, your previously filed return will appear there. If you don’t see your return listed, contact april support by selecting the **Tax** option under Cash Control or by emailing [support@getapril.com](mailto:support@getapril.com). #### What types of taxes can I file through my OnePay account and april? You can file your taxes through OnePay taxes for the most common tax scenarios, such as single, joint, federal, or state tax returns.  For additional questions or tax filing assistance, please reach out to april customer support by selecting the **Tax** option under Cash Control or by emailing [support@getapril.com](mailto:support@getapril.com). #### How can I find my prior returns not filed through OnePay taxes? If you filed electronically with software (TurboTax, H&R Block, etc.), you can usually log in to your account with each respective company and download your prior year returns. If you filed through a tax professional, you can request a copy; they often keep copies for several years. You can also request a tax return transcript for free from the IRS, which shows most line items from your return.  Go to [IRS Get Transcript](https://www.irs.gov/individuals/get-transcript) and request either online or by mail. #### After tax season, where can I find the return I filed through OnePay taxes? You can access previously filed returns with OnePay taxes directly from the OnePay app: 1. Open the OnePay app 2. Tap **Profile**, then **Statements & Documents** 3. Select **Tax Documents** If your return is available, it will appear there. If you don’t see your return listed, contact april support by selecting the **Tax** option under Cash Control or by emailing [support@getapril.com](mailto:support@getapril.com). #### My return wasn't accepted. If you were notified that an error has occurred with your tax filing, follow any in-app prompts to review the issue. If you need more help, contact april support in the OnePay app by selecting the **Tax** option under Cash Control, or email [support@getapril.com](mailto:support@getapril.com). #### I am getting an error when entering information. Follow any on-screen prompts to resolve the error.  If the error persists, please reach out to april customer support in the OnePay app by selecting the **Tax** option under Cash Control or by emailing [support@getapril.com](mailto:support@getapril.com). #### I submitted my tax return already, but I need to correct something. Once a Federal or State tax return has been submitted, manual corrections cannot be made through OnePay taxes. If you need tax filing assistance, you can reach out to april customer support by selecting the **Tax** option under Cash Control or by emailing [support@getapril.com](mailto:support@getapril.com). 1. Tax refunds may be available up to 5 days in advance of the scheduled payment day, but access to funds depends on when payer sends refund data and timing of your refund is not guaranteed. --- ## Cards ### OnePay Retail Card URL: https://www.onepay.com/help-center/articles/onepay-retail-card Last updated: 2026-05-19 #### 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](https://www.onepay.com/storedebit). If you already have a OnePay deposit account, you can activate the retail card in the app by tapping **Checking or Savings** 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](https://www.onepay.com/storedebit). - If you already bank through OnePay, perform the following: 1. On the home screen of the OnePay app, please select the tile/section that says "Checking" with your balance on it for you to view your transaction activity. 2. Select the card icon(with three dots) on the top-right corner of the screen to access your Card Details. 3. On the card details page please find the option that says "Activate debit card bought in store" (Last option) 4. Please follow the on-screen prompts to activate your card. #### 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. --- ### Physical Card Activation, Management, and Replacement URL: https://www.onepay.com/help-center/articles/onepay-phsyical-cards Last updated: 2026-07-01 #### What is a Physical Card? A physical card is the plastic card connected to your OnePay Checking balance used to make purchases or withdrawals. The following physical cards are available for customers who bank through OnePay: - [Builder Card](https://www.onepay.com/help-center/products/builder-card) - OnePay Debit Card - [Retail Card](https://www.onepay.com/help-center/articles/onepay-retail-card?from=categories) - The Retail Card is not a standard physical card. Special restrictions may apply. #### How do I activate my Physical Card? You can activate your card in the OnePay app or online. **In the OnePay app** 1. From the Home tab, select **Track card**, or use your phone’s camera to scan the QR code included with your new card. 2. Select **Activate Your Card**. 3. Enter the requested information to verify your card. 4. Create a 4-digit PIN for your card. **Online** You can also activate your card using one of the following links: - Physical Card:[ https://web.onepay.com/link/card](https://web.onepay.com/link/card) - Credit Card:[ https://web.onepay.com/credit-card/activate](https://web.onepay.com/credit-card/activate) Once activation is complete, your card will be ready to use. #### When will I get my Physical Card? Your OnePay Credit Card should arrive via USPS within 7-10 business days. You can track the status of your OnePay card by tapping Track card from the Home tab of the OnePay app. #### Can I have more than one Physical Card on my account? No, you can only have one active physical card on your account at a time. Customers also have a OnePay virtual debit card for use where credit cards are not accepted. #### How do I set and change my Physical Card PIN? To update the PIN for your card: - Tap Checking or Savings - Tap the card icon in the upper-right corner - Select Change card PIN - Enter and confirm your new PIN - Your PIN will be set and immediately ready for use You can also tap [here](https://web.onepay.com/link/card) and select Change card PIN to change the PIN for your card in the OnePay app. #### How do I freeze or unfreeze my Physical Card? If your card is lost or stolen, or if you notice activity you don't recognize, you can freeze your card in the OnePay app or on the OnePay website. Freezing your card helps prevent new card transactions from being processed. There are two ways to freeze your cards: **To freeze your physical card only:** 1. Select Card Details from the OnePay Cash section of the app 2. Turn Freeze Card on **To freeze all cards and payments (physical and virtual):** - Go to Home - Select Checking - Tap Card Details - Select Freeze All Cards and Payments Note: When Freeze All Cards and Payments is turned on, digital wallet, ATM withdrawal and transactions made through a mobile wallet will also be blocked. To unfreeze, follow the same steps and turn Freeze Card off. Your card can be used for purchases again as soon as the freeze is removed. [**How do I freeze my OnePay Debit Card or Builder Card?**](https://www.youtube.com/shorts/0MayXXVWU4o) #### How do I track my new Physical Card? Once your card has been ordered, you will be able to view the order status by tapping at Track card from the Home tab of the OnePay app. #### How do I know if I have a OnePay Debit Card or a Builder Card? OnePay Debit Cards will have 'Debit' printed on the front of the physical card, opposite the OnePay logo. The [Builder Card](https://www.onepay.com/help-center/articles/about-builder-card) does not display the word Debit on the physical card. Additionally, Builder Card customers also have a OnePay virtual debit card for use where credit cards are not accepted. #### How do I replace my Physical Card if it’s damaged, missing, or stolen? You can request a replacement card in the OnePay app. If your card is missing or stolen, reporting it will deactivate your current card to help reduce the risk of unauthorized transactions. ##### **To replace your card** 1. Select the card icon from the **Checking or Savings** screen of the app 2. Tap **Replace card** 3. Choose the reason (damaged, missing, or stolen) 4. Confirm your mailing address 5. Select **Replace My Card** to submit Your new card typically arrives within 7–10 business days. You can check its status by tapping **Track card** from the Home tab. ##### **If your card was reported as damaged** - You can continue using your current card until you activate your new one - Your replacement card will have the same card number, but a new expiration date and security code (CVC) - Your updated card details will automatically appear in the OnePay app. If your card is saved in Apple Pay or Google Pay, the updated details will reflect there as well - Most subscriptions and recurring payments may update automatically, but it’s a good idea to check with your providers to avoid interruptions ##### **If your card was reported as stolen** - Your current card will be deactivated - Your replacement card will have a new card number, expiration date, and security code (CVC) - Your new card will appear in the OnePay app - You'll need to re-add your new card to Apple Pay or Google Pay. You can do this by going to Home > Checking > Card Details and tapping Add to Apple Wallet or Add to Google Pay - You’ll need to update any subscriptions or recurring payments with your new card details ##### **If your card was reported as missing** - Your current card will be deactivated - Your replacement card will have a new card number, expiration date, and security code (CVC) - Your updated card details will automatically appear in the OnePay app. If your card is saved in Apple Pay or Google Pay, the updated details will reflect there as well - Most subscriptions and recurring payments may update automatically, but it’s a good idea to check with your providers **Note:** OnePay Retail Cards that have not been activated or are activated for limited use cannot be replaced. --- ### Spending With a Limited-Use OnePay Retail Card URL: https://www.onepay.com/help-center/articles/spending-with-a-onepay-retail-card-activated-for-limited-use Last updated: 2026-05-19 #### What is Limited-use? If you purchase a OnePay Retail Card and we are not able to verify your identity or for any other reason we are not able to offer you a OnePay deposit account, we may allow you to have a Limited-use product for the sole purpose of spending down your initial deposit. For more information please refer to the [Deposit Account Agreement](https://www.onepay.com/legal). #### Where can I use my Limited-use OnePay card? You can use your Limited-use OnePay card to make purchases within the United States wherever Mastercard is accepted. Limited-use cards cannot be used for cash withdrawals at any register or ATM, or for money orders, jewelry wholesalers, or gambling transactions. To learn more, please read your [Deposit Account Agreement](https://www.onepay.com/legal). #### Can I reapply to bank through OnePay? You may be eligible to reapply to bank through OnePay. If you are eligible, you'll be prompted to reapply in the OnePay app. #### Are there limitations on a OnePay Retail Card activated for Limited-use? The following features are not available with Limited-use: - Funds will not earn any interest - Funds are not eligible for FDIC insurance - Rewards, bonuses, or promotions of any kind - Deposits (one-time or recurring) beyond the initial amount of money added at purchase (including direct deposit and mobile check deposit) - Cash withdrawals, either through ATM or through Withdraw Cash at Walmart - Creating goals - Savings - Round-ups - A permanent debit card - Fee-Free Overdraft Protection - OnePay Advance - Monthly statements - Digital wallet access Please see the [Deposit Account Agreement](https://www.onepay.com/legal) for a full list of restrictions. #### Are there fees associated with my Limited-Use card? There is a $1 OnePay Retail Card Purchase Fee to purchase a OnePay Retail Card at Walmart. If you purchased a Retail Card, you may be subject to a one-time $12 inactivity fee if your account does not have any transfers for more than 60 days within the first 6 months of purchasing it. There are no other fees associated with your Limited-Use card. To learn more, please read our [Deposit Account Agreement](https://www.onepay.com/legal). #### What happens if I lose my Limited-use card? Limited-use cards cannot be replaced, and there is no way to replace any remaining balance on the card. Keep your card in a safe place and treat your card like cash. #### I want to dispute a transaction on my Limited-use card; what do I do? Please work directly with the merchant associated with the purchase you are disputing to reach a resolution. #### Why wasn’t I approved for an account after I purchased multiple OnePay Retail Cards? If we are not able to offer you a OnePay account, but you have multiple active OnePay Retail Cards in Limited-use, we will only show the balance of your most recently activated card in the app or on the website. You will need to go through the activation process for each card. You can check the balance for your other cards by chatting with our [Customer Support](https://www.onepay.com/help-center/articles/contacting-onepay-customer-service) team or saying Agent in chat to speak to a OnePay Specialist. --- ### Switch Payments to OnePay URL: https://www.onepay.com/help-center/articles/switch-payments-to-onepay Last updated: 2026-06-15 #### How does it work? By selecting Switch Payments to your OnePay Checking, you can easily add your OnePay debit or Builder Card as a payment method for participating merchants, apps, and subscriptions like Uber, Netflix, T-Mobile, and more. After logging in with the credentials for the merchant you selected, your OnePay debit or Builder Card will be added as the primary payment method. Once updated, the merchant will automatically use your OnePay debit or Builder Card for future purchases or subscription renewals. #### How do I switch payments to my OnePay Checking balance? To update your payment information for participating merchants: - Select Card Details (card icon) from the Checking or Savings screen to access Card Details - Tap Switch your payments to OnePay - Tap Switch to OnePay Debit Card or Builder Card - Select Continue to agree to the Knot end-user privacy policy - Search for a merchant or select from the list - Use your credentials for the selected merchant to log in - Select Continue to set OnePay debit or Builder Card as the default payment method for the merchant If you bank through OnePay, tap [here](https://web.onepay.com/link/cardswitching) to switch payments to your OnePay deposit account. #### If I replace my OnePay debit or Builder Card, will it automatically update with the merchant? Replacing your OnePay debit or Builder Card won’t always automatically update it with the merchant. To be sure, you’ll need to select **Switch to OnePay** in the OnePay app and complete the linking process to update your payment method. #### What is required to Switch payments to OnePay Checking? You will need your login credentials for your account with the merchant to update your payment method to your OnePay Checking account. --- ### Using your Physical Card URL: https://www.onepay.com/help-center/articles/using-your-onepay-debit-card Last updated: 2026-05-19 #### What is a Physical Card? A physical card is the plastic card connected to your OnePay Checking balance used to make purchases or withdrawals. The following physical cards are available for customers who bank through OnePay: - [Builder Card](https://www.onepay.com/help-center/products/builder-card) - OnePay Debit Card - [Retail Card](https://www.onepay.com/help-center/articles/onepay-retail-card?from=categories) - The Retail Card is not a standard physical card. Special restrictions may apply. #### Where can I use my Physical Card? When you bank through OnePay, you can make purchases with your OnePay Debit Card or Builder Card worldwide, wherever Mastercard® is accepted. Builder Card customers receive a virtual debit card for use when a credit card may not be accepted, such as loan payments, and peer-to-peer transactions. #### Why was my card declined? If your transaction is declined, be sure to check the following:  - You have enough money in your Checking balance to cover the transaction - You have not frozen your physical card - Your physical card is activated - The same home address listed on your OnePay account is what you are using for any billing information you are providing to the merchant - The transaction does not exceed the $5,000 daily spending limit on OnePay debit cards If the transaction is still declined after confirming these details, please contact [Customer Support ](https://www.onepay.com/help-center/articles/contacting-onepay-customer-service)or say Agent in chat to speak with a OnePay Specialist. #### Can I use my card at a hotel? You can use your physical card at hotels. Hotels may hold money on your account for “incidentals” that may exceed the amount of your reservation.  An authorization hold (sometimes called a ‘card authorization’ or ‘preauthorization’) is a hold placed on the available balance in your account to make sure there is enough money to cover what the final charge could be. The hold will be removed when the final transaction is posted to your account, the hold is canceled by the merchant, or the hold expires. If the transaction is not finalized after 7 business days, the hotel hold will expire. #### How does a gas transaction show up in my account? Gas stations authorize a hold that is often greater than the final cost of the transaction.  Once the transaction is posted, the hold is adjusted to reflect the actual purchase price, and any remaining funds are released back into your account.  If your card is declined when attempting to pay at the pump, try making the purchase for a specific dollar amount available in your Checking balance with the cashier. #### Can I cancel a OnePay debit card transaction that is still pending? No, you are not able to cancel a debit card transaction that is pending. Once your transaction clears, you can chat with our [Customer Support team](https://www.onepay.com/help-center/articles/contacting-onepay-customer-service) or call our Customer Support team at 1 (855) 830-6200 if you need to file a dispute. #### How do I find my OnePay debit card number? You can find your physical card number in the app: - Select the card icon from the **Checking or Savings** screen of the OnePay app - Toggle on Show card number. You can also tap [here](https://web.onepay.com/link/card) to view your card number in the OnePay app. #### How can I see my most recent transactions in the OnePay app? To see your most recent transactions: - Tap Checking or Savings in the OnePay app - Then select a pocket or goal You can also tap [here](https://one-web.app.link/e/6rWV8nLSrLb) to see your transactions in the OnePay app. --- ## Deposits & Withdrawals ### Spark Driver Earnings URL: https://www.onepay.com/help-center/articles/spark-driver-earnings Last updated: 2026-05-19 #### When do I get my Spark Driver trip earnings? Here’s what you can expect based on the type of earnings: - **Trip earnings:** Typically deposit within 15-30 minutes after you complete a trip. If you recently completed a trip, your earnings may still be processing. - **Tips:** Process separately and typically post within 24-48 hours after the trip. Tips may arrive after your trip earnings. - **Incentives and bonuses:** Typically post weekly on Tuesdays. We’ll send you a notification when the funds are available in your account. You can view your Spark earnings[ here](https://web.onepay.com/link/debittransactionactivity). #### Is there a fee to get my trip earnings through OnePay? It's free to get your trip earnings through OnePay. #### **How do I link my OnePay account to my Spark Driver account?** To receive your Spark earnings in OnePay, set up OnePay as your primary earnings method in the Spark Driver app: 1. Open the **Spark Driver** app. 2. Go to the **Earnings** page. 3. Select **Payment Method**. 4. Select **OnePay** as your primary payout method. You do not need to provide your routing or account number. Your account is linked directly through the Spark Driver app. Once your account is linked, trip earnings typically deposit into OnePay within 15-30 minutes after you complete a trip. #### When will I start to receive my Spark Driver trip earnings into my OnePay account? After you select OnePay as your primary earnings method: - For new drivers, your trip earnings will be deposited instantly into your OnePay deposit account after every trip. Tips, earned incentives, adjustments, and subsidies will post when they are confirmed and processed (subject to eligibility) - For existing drivers who switch to OnePay, trip earnings you make starting Monday of the following pay period will be deposited after every trip #### Where do I see my trip earnings in the OnePay app? Your Spark Driver trip earnings will appear in the Checking section of your OnePay app. If you are enrolled in [Pay Autosave](https://www.onepay.com/help-center/articles/saving-with-pay-autosave), that portion of your earnings will be deposited into your Savings. #### Can I use my OnePay Account before I start earning through the Spark Driver app? Yes. Add money to use your OnePay deposit account right away so you can start earning cash back, saving, and more. --- ## Earning Rewards ### Earning OnePay Rewards URL: https://www.onepay.com/help-center/articles/rewards-earning-rewards-earning-onepay-rewards Last updated: 2026-07-20 OnePay Rewards is our rewards program that lets you earn and redeem OnePay Points. You can earn points on purchases at Walmart, gas stations, restaurants, and other top brands, as well as through Boosts and Bonuses. Points can be redeemed in the OnePay app. Check out the [OnePay Rewards Terms](https://www.onepay.com/legal/onepay-rewards-terms?from=categories) for the full program terms. ### How can I earn points with monthly cash back categories? When you bank through OnePay, you can earn points at Walmart, gas stations, restaurants, and other top brands. ###### **Monthly Cash Back Categories** - Each month, you must choose a cash back category in order to earn OnePay Points. You can choose between Walmart, gas, or dining. If you do not select a category, you will not earn points until one is selected. - You will have to select a category again the following month to keep earning. - You can earn 3% cash back, which means you earn 3 points per $1 spent, up to a maximum of $150 in purchases per month on your selected cash back category for that month. That's up to 450 points earned per month (redeemable for $4.50 in cash back per month, $54 per year). If you hit the monthly cap, you still earn 1 point per $10 spent on your selected category for the remainder of that month. You can tap [here](https://web.one.app/link/spend/cashrewards) to check the OnePay app for your latest rewards! ### How does selecting a monthly cash back category work? On the first day of each month, customers who bank through OnePay can choose a monthly cash back category (Walmart, dining, or gas) to earn rewards on purchases made with their debit or Builder card. You must select a category to earn rewards. If no category is selected, you will not earn rewards until one is selected. You can make your selection once, at any time during the month, and rewards begin on the day you select your category. Once selected, the category cannot be changed until the following calendar month and will apply through the end of the current calendar month. You must select a category again next month.  Customers who bank through OnePay earn 3 percent cash back on up to $150 spent in their selected category each month, which means they earn 3 points per $1 spent, up to a maximum of $150 in purchases per month on their selected cash back category for that month. That’s up to 450 points earned per month (redeemable for $4.50 in cash back per month, $54 per year).  If you hit the monthly cap, they still earn 1 point per $10 spent on their selected category for the remainder of that month. ### How can I earn OnePay Points with OnePay Wallet? You can earn 1 point per $10 spent at Walmart when checking out using your OnePay Wallet.  Your OnePay and other external cards linked to your OnePay Wallet may also be eligible to unlock more offers to earn OnePay Points. Using a OnePay Debit Card or Builder Card through OnePay Wallet may not earn additional OnePay Points beyond what you can earn through offers with other OnePay products. For a limited time, new OnePay Wallet customers are eligible for a Welcome Bonus to earn 500 points on their first $5+ purchase at Walmart, redeemable for $5 cash back. See the Wallet cards section in the Cash Control tab of the OnePay app for details. Please note that you must bank through OnePay to redeem OnePay Points for cash back. Only cards issued by payment card networks that participate in Rakuten Card Linked Offer Network (RCLON) are eligible to enroll. Cards from Discover and Apple Card are not eligible for Rakuten Offers. Certain other credit cards may also be excluded by RCLON. Refer to the [OnePay Rewards Terms](https://www.onepay.com/legal/onepay-rewards-terms) for full program terms. #### Are all the cards in my OnePay Wallet eligible to earn OnePay Points? Not all linked cards in your OnePay Wallet are eligible for additional offers. Some offers that are near you are automatically activated for eligible cards, while others require activation in the app. You can see which linked cards in your OnePay Wallet are eligible to unlock more offers right from the OnePay app. To see your OnePay Wallet eligibility: - Open the OnePay app - Tap your points or find your Rewards page - Tap **Learn more** right below “Browse offers” - Choose the cards to unlock offers and confirm your selection ### How do I earn 5% back at Walmart with my OnePay CashRewards Card? You must be a Walmart+ member and use your OnePay CashRewards Card at checkout to earn 5% cash back, which means 5 points for each $1 spent on a purchase at Walmart. Make sure your Walmart+ account is linked, and your CashRewards Card is set as the default payment method in your Walmart Wallet. Rewards are awarded as OnePay Points, which you can redeem for cash back into your OnePay deposit account or other available options. Refer to the [OnePay Rewards Terms](https://www.onepay.com/legal/onepay-rewards-terms) for full program terms. ### Can I earn 5% back on my Walmart+ membership fee with my OnePay CashRewards Card? Yes, as long as your OnePay CashRewards Card is the default payment method for your Walmart+ subscription, you’ll earn 5% cash back on the membership fee, which means 5 points for each $1 spent. Rewards are awarded as OnePay Points, which you can redeem for cash back when you bank through OnePay or other available options. Refer to the [OnePay Rewards Terms](https://www.onepay.com/legal/onepay-rewards-terms) for full program terms. ### What are other ways I can earn OnePay Points? #### **Additional Offers** You’ll find additional offers on the Rewards page in the OnePay app. On the OnePay Rewards page in the app, you’ll see offers. **Offers that are automatically activated for eligible cards** - Earn points with offers that are automatically activated in the app (no activation needed) for eligible cards. - These offers have a green check box in the offer tile in the Rewards section of the OnePay app **Offers that require activation** - Earn points with offers that require activation in the app. - You must make sure these offers are active at the time you make the purchase in order to earn. - You can enroll additional cards, along with your OnePay cards, in your OnePay Wallet to unlock more offers to earn OnePay Points. - Only cards issued by payment networks that participate in Rakuten Card Linked Offer Network (RCLON) are eligible to enroll. Cards from Discover and Apple are not eligible for Rakuten Offers. Certain other credit cards may also be excluded by RCLON. - You can activate multiple offers at a time. - Some of the offers may have an activation limit. If you reach the limit, you’ll receive a notification in the OnePay app. - For Near You Gas Rewards, purchases made with your OnePay credit card or any third-party card linked to your OnePay Wallet must be completed using your physical card. #### **Bonus offers** - You may have access to limited-time bonuses via email, the OnePay app, or other communications. #### **Additional details** - Offers displayed in the app may have important details such as expiration dates and exclusions. Please be sure to review the offer details by tapping the offer tile or banner in the OnePay app. - Refer to the [OnePay Rewards Terms](https://www.onepay.com/legal/onepay-rewards-terms) for full program terms. ### When do I receive my OnePay Points? OnePay Points are earned after an eligible purchase settles, but it may take up to 60 days for points to be made available in your OnePay Points Balance. Points earned through Bonuses are added after the Bonus expires, or as described in the specific Bonus terms. ### Is there a limit to how many points I can earn? There is no overall limit to how many OnePay Points you can earn. However, individual rewards may have limits on how many points you can earn, which will be communicated to you along with the other reward details. ### How do I link my Walmart+ account to my OnePay CashRewards Card? We will attempt to link your Walmart+ account automatically during your application. If successful, your Walmart+ status will stay up to date for rewards earned. If you use a different email address on your Walmart.com profile, you can link it manually from the OnePay app: 1. Select the **Credit Card** tile from the home tab 2. Select **Settings** 3. Select **Walmart+ account** 4. Enter the email address linked to your Walmart+ account 5. Select **Link account** ### What happens with my OnePay CashRewards Card if I cancel my Walmart+ membership? You’ll still earn 3% back at Walmart with your OnePay CashRewards Card, which means 3 points for each $1 spent on a purchase at Walmart. You’ll also continue to earn 1.5% back everywhere else Mastercard is accepted. Rewards are awarded as OnePay Points, which you can redeem for cash back into your OnePay deposit account or other available options. Refer to the [OnePay Rewards Terms](https://www.onepay.com/legal/onepay-rewards-terms) for full program terms. --- ### Refer a Friend URL: https://www.onepay.com/help-center/articles/rewards-earning-rewards-refer-a-friend Last updated: 2026-07-13 #### What is the Refer-a-Friend Program? Eligible customers who bank through OnePay can earn cash back by referring friends to open a OnePay deposit account. When eligible customers refer a friend through the app, and the friend opens an account using the referral link, they must complete any required actions within the time period displayed in the OnePay app, and you can both receive cash back, earned as OnePay Points. If eligible, you can view your current Refer-a-Friend offer and details in the Discover tab of the OnePay app. #### How do I refer a friend to bank through OnePay? To refer a friend to bank through OnePay, follow these steps: 1. Open the OnePay app 2. Tap on the Discover tab 3. Tap **Invite Friends** button 4. Tap Sync to continue to sync your contacts with OnePay if you haven’t already 5. Select the contact of the friend you’d like to refer, and send them the SMS that contains your unique link Alternatively, you can access the referral screen by tapping **Checking or Savings** on the Home screen, and then then Settings icon in the the upper-right corner. Tap **Invite friends to OnePay** option. #### How many Refer-a-Friend bonuses can I earn? You may be eligible to earn multiple referral bonuses, and the number of bonuses and points you can earn may vary. You can check your referral details anytime in the Discover tab of the OnePay app. #### How is the Referral Bonus earned? To earn a Referral Bonus, the person you refer must begin banking through OnePay and sign up using your unique referral link, and receive $500 or more in monthly direct deposits within 45 days of opening their account. - For referrals made before October 1, 2026: The referred customer can qualify by either receiving $500 or more in qualifying direct deposits per month or by meeting the applicable $5,000 savings balance requirement within the 45-day eligibility period to earn the bonus. - For referrals made on or after October 1, 2026: The referred customer must receive $500 or more in qualifying direct deposits per month within 45 days of opening their account to earn the bonus. Once the referred customer meets the eligibility requirements and Direct Deposit benefits, both you and the referred customer will receive OnePay Points, which can be redeemed for cashback. The number of points awarded will be shown in the OnePay app. Note: You can earn a maximum of 10 Referral Bonuses. #### When will I receive my referral bonus? You will receive your Refer-a-Friend bonus within 5 business days of when the person you invited begins banking through OnePay, and completes any required actions in the time period stated in the OnePay app. If the person you referred must make a purchase, you will be paid after that purchase is settled and no longer pending. You can check the status of your referrals in the OnePay app. --- ## IRA ### About OnePay IRA URL: https://www.onepay.com/help-center/articles/ira-about-onepay-ira Last updated: 2026-08-17 #### What is OnePay IRA? A OnePay IRA is a tax-advantaged investment account available in the OnePay app. It allows you to contribute money and invest for retirement while receiving certain tax advantages defined by the IRS. OnePay offers two types of IRAs: - **Traditional IRA** – Contributions may reduce your taxes now, depending on eligibility, and you’ll generally pay taxes when you withdraw later. Investments can grow tax-deferred. - **Roth IRA** – Contributions are made with after-tax money, so your investments have the potential for tax-free growth and qualified tax-free withdrawals in retirement, depending on eligibility. Eligibility and tax treatment can vary based on your income and tax filing status. For more details about IRA rules, you can refer to [IRS guidance](https://www.irs.gov/retirement-plans/traditional-and-roth-iras). OnePay does not provide tax advice, so you may want to speak with a qualified tax advisor to understand what applies to your situation. #### How can I apply for a OnePay IRA? You can open an IRA directly in the OnePay app. To get started: 1. Go to **Home** 2. Tap the **IRA** tile under **Your investments** or **Discover more** 3. Follow the on-screen steps to complete setup Once your account is open, you can fund it using your OnePay deposit account or a linked bank account. #### Who is eligible to open a OnePay IRA? To open a OnePay IRA, you’ll need to meet basic account requirements, such as: - Being at least 18 years old - Providing required personal information (like your name, address, and contact details) - Meeting identity verification requirements In addition, IRA-specific rules apply: - You must meet [IRS eligibility requirements](https://www.irs.gov/retirement-plans/traditional-and-roth-iras) - You must stay within annual contribution limits For Roth IRAs, eligibility also depends on your income and tax filing status. It’s important to confirm that you meet these requirements before opening a Roth IRA. OnePay does not provide tax advice. You may want to speak with a qualified tax advisor to understand what applies to your specific situation. #### Does OnePay choose investments for me? OnePay Invest and OnePay IRA are self-directed, which means you make all the decisions about buying and selling your investments. OnePay doesn’t provide recommendations or investment advice. If you’re unsure what to invest in, consider researching stocks, ETFs, and retirement accounts or speaking with a licensed financial professional for guidance. #### How do I fund my OnePay IRA? You can fund your OnePay IRA using a linked bank account or through your OnePay deposit account. To fund your IRA: 1. Go to **Home** 2. Select your **IRA** under **Your i****nvestments** 3. Tap **Contribute** and follow the on-screen prompts If you don’t have funds in your OnePay deposit account, you can use another linked bank account. If you don’t already have a linked bank account, you’ll be prompted to add one during this process. Linked bank accounts are also used for withdrawals. After you make a contribution, the funds must fully settle in your IRA before you can invest. This typically takes 5 business days. You won’t be able to use funds that are still settling. Click [here](https://www.onepay.com/help-center/articles/linking-accounts) for more information on linking an external account. #### What can I invest in with my OnePay IRA? Once your funds are available, you can use this IRA buying power to buy the same types of investments available in [OnePay Invest](https://www.onepay.com/help-center/articles/about-onepay-invest), such as stocks and ETFs. Buying power is the amount of money available to buy stocks or ETFs. It updates as contributions settle and trades are completed. Money that is still processing, such as recently started, won’t be included until it has fully settled. To buy securities in your OnePay IRA: 1. Open the OnePay app 2. Select **Invest** from the Home tab 3. Select **Search Investments** and choose an investment 4. Select your IRA as the payment method #### Where are my investments held? OnePay Invest and OnePay IRA are offered through One Growth Securities LLC, a subsidiary of OnePay. Brokerage and custody services are provided by DriveWealth, a licensed and regulated clearing broker that works with One Growth Securities LLC to help complete your trades and keep your investments safe. #### What risks should I be aware of? Investing involves risk, including the possibility of losing money. Some key risks to be aware of include: - Market risk: Prices may rise or fall with overall market conditions - Rapid price changes: Prices can change quickly, sometimes by a lot - Company-specific risk: A single company’s performance may affect its stock value - Hard-to-sell investments: Some stocks may be more difficult to sell quickly - Dividends**:** These aren’t guaranteed, and companies can reduce or stop paying them at any time - IRA-specific considerations: IRAs have rules around contributions and withdrawals, and taking money out early may result in taxes, penalties, or loss of tax advantages Stock markets move up and down, and past performance doesn’t guarantee future results. OnePay doesn’t provide investment advice or guarantees. If you’re unsure about investing, consider researching stocks, ETFs, and retirement accounts or speaking with a licensed financial professional for guidance. #### Does cash in my IRA earn interest? Yes. Uninvested cash in your OnePay IRA may earn interest. The interest rate can change over time and is not fixed. #### What are required minimum distributions (RMDs)? Required minimum distributions (RMDs) are minimum amounts that the IRS requires you to withdraw from certain retirement accounts once you reach a specific age. RMD rules depend on factors like your age and account type. The amount you're required to withdraw (your RMD) is based on IRS rules, including your age and account balance. If you have questions about your specific RMD amount, you may want to speak with a qualified tax advisor. OnePay does not provide tax advice. #### Are my investment accounts insured? Yes. Your investment accounts are protected by the Securities Investor Protection Corporation (SIPC) through DriveWealth. SIPC protects customers of its members up to $500,000 (including $250,000 for claims for cash). You can learn more in the explanatory brochure at [www.sipc.org](http://www.sipc.org/). SIPC protection applies if a brokerage fails, and it does not cover market losses. In addition, your OnePay deposit account is FDIC-insured. #### What are notional trading and fractional shares? Notional trading lets you buy a small portion of a stock based on how much money you want to invest, instead of buying whole shares.  Fractional shares are a portion of a full share of stock. They’re created when you place a notional order, which is an order based on a dollar amount rather than a specific number of shares. This is how fractional shares work: For example, if a company’s stock costs $150 per share, you can invest $5 and own a fraction of that share. Fractional shares can only be traded within OnePay Invest and OnePay IRA. They can’t be transferred to another brokerage account. #### When can I place trades? You can place an order in the OnePay app at any time, but trades are only processed during U.S. stock market hours: Monday-Friday, 9:30 AM to 4:00 PM Eastern Time (excluding market holidays). If you place an order outside those hours, it will automatically queue for the next market opening and go through when the market reopens. OnePay doesn’t support pre-market or after-hours trading. #### How are trades completed? All trade orders are routed to our regulated clearing partner, DriveWealth, for execution. Trades are placed at the current market price and usually go through right away during market hours (Monday–Friday, 9:30 AM–4:00 PM ET, excluding U.S. market holidays). If you place an order outside market hours, it will go through when the market reopens. Prices in the app are updated frequently, but they may change slightly by the time your trade is completed. #### Can I cancel a trade? Trades placed during market hours can’t be canceled because they’re processed right away at the current price. If you place an order after market hours, you may be able to cancel it before the market opens. To view your transaction history: 1. Open the OnePay app 2. Select Invest or IRA from the Home tab under Your Investments 3. On your portfolio page, you’ll see a section titled “Pending activity” where any open orders will be displayed 4. Select the order you would like to cancel, then click Cancel #### Where does market data come from? Market data is provided by[ QUODD](https://www.quodd.com/) and Nasdaq Last Sale. In the OnePay app, you can see real-time stock and ETF prices, company charts, performance trends, and news updates. #### What are the fees for a OnePay IRA account? Your OnePay IRA account has no trading commissions or maintenance fees. When you sell investments, small SEC and FINRA regulatory fees may apply, and these will be shown in the app before you place your sell order. Regulatory fees apply no matter which investing service you use, and OnePay simply passes them along—we don’t make money from them. If you choose to transfer your account to another firm, you may be charged $90 transfer fee. A $2 fee may apply if a bank transfer into your IRA is returned by your bank. Additional fees may apply in certain situations. For complete details, see the [OnePay IRA Account Agreement](https://www.onepay.com/legal/invest). #### Why do I have to pay regulatory fees? When you sell an investment, regulators (like the SEC and FINRA) charge a small fee to help pay for the oversight of U.S. markets. These fees apply no matter which investing service you use, and OnePay simply passes them along—we don’t make money from them. The FINRA Trading Activity Fee (TAF) helps cover the cost of market regulation, and the SEC Fee is collected by the U.S. Treasury to support market oversight.  You’ll see any applicable fees in the app before you place a sell order. #### Why was I declined an investment account with OnePay? OnePay uses third-party data sources to verify your personal information during the application process. If we're unable to verify the information you provided, your application may be declined. Other reasons your application may be declined include: - Identity verification issues – If we cannot confirm details such as your Social Security Number (SSN) or government-issued ID - Ineligibility – If you don't meet the requirements (for example, you're under 18, you don't have a valid SSN or ITIN, or you don't have a U.S. residential address) - Regulatory restrictions – Some applications may be declined due to compliance policies. --- ### Managing Your OnePay IRA URL: https://www.onepay.com/help-center/articles/ira-managing-your-onepay-ira Last updated: 2026-07-09 #### How can I see how much I've contributed to my IRA this year? You can view your IRA contributions directly in the OnePay app. To check your contributions: 1. Open the OnePay app 2. Tap your **IRA** under **Your Investments** 3. View your contribution tracker under **My contributions** The tracker shows contributions made within OnePay for the selected tax year. #### Are there contribution limits for IRAs? Yes. The IRS sets annual contribution limits for IRAs. Limits may vary based on your age. When you contribute through OnePay, you'll be able to track: - Your total IRA contributions within OnePay - Your progress toward the annual contribution limit If you reach the annual limit for your IRA within OnePay, you won't be able to contribute more in the app. Keep in mind, this tracker only reflects contributions made in OnePay. You're responsible for ensuring your total contributions across all IRA accounts, including those outside OnePay, stay within [IRS limits](https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-ira-contribution-limits). #### How do I withdraw funds from my IRA? Depending on your situation, early withdrawals may be subject to taxes, penalties, or loss of tax advantages. OnePay does not provide tax advice, and you may want to speak with a qualified tax advisor before taking a distribution. To withdraw funds from your IRA, you may need to first sell investments so the proceeds are available as cash for withdrawal. Once cash is available for withdrawal, you can initiate a withdrawal of the funds back to your OnePay deposit account or a linked bank account via the OnePay app. This typically takes 5 business days. You won't be able to use funds that are still settling. To withdraw funds: 1. Open the OnePay app 2. Tap your **IRA** under **Your Investments** 3. Go to **Settings** 4. Select **Withdraw from IRA** 5. Follow the on-screen prompts You will also be able to specify state and federal tax withholdings on the withdrawal. #### Are taxes withheld when I withdraw from my IRA? When you request a withdrawal, you can choose how much tax to withhold. The amount you choose will be deducted from your withdrawal, so the amount you receive in your bank account will be lower. For state taxes, the options available may depend on where you live. In some cases, a minimum amount may be required, or withholding may not be available. The app will show the options that apply to you. OnePay does not provide tax advice, so you may want to speak with a qualified tax advisor if you have questions. #### Can I make an IRA contribution for the previous tax year? You may be able to contribute to your IRA for the previous tax year between January 1 and the IRS tax filing deadline (typically April 15) each calendar year. When eligible, you can select the applicable contribution year when making a contribution into your OnePay IRA. #### Can I transfer an existing IRA into my OnePay IRA? Yes. You can transfer an existing IRA to your OnePay IRA through an in-kind account transfer, also known as an ACATS transfer. Review the instructions and eligibility requirements in the OnePay app before initiating a transfer or rollover. #### How can I roll over a 401(k) into my OnePay IRA? You may be able to roll over funds from a former employer's 401(k) into your OnePay IRA by following the instructions in the app. To get started: 1. Open the OnePay app 2. Tap your **IRA** under **Your Investments** 3. Go to **Settings** 4. Select **401(k) rollover** 5. Follow the on-screen instructions The app will provide the details needed to complete the rollover, including: - How the check should be made payable - The mailing address - Your IRA account number You'll need to contact your 401(k) provider to initiate the rollover and send the funds based on these instructions. If the check is made out to you, additional endorsement steps may be required. Be sure to follow the instructions shown in the app to avoid delays. Timing requirements may apply, and delays could have tax implications. OnePay does not provide tax advice, so you may want to speak with a qualified tax advisor if you have questions about your situation. #### What should I know before withdrawing from my IRA? Withdrawing from an IRA may have tax implications depending on your account type and situation. - **Traditional IRA:** Withdrawals are generally taxed as income. - **Roth IRA:** Withdrawals may be tax-free if certain conditions are met. If you withdraw before age 59½, you may also have to pay a 10% early withdrawal penalty, unless an exception applies. In some cases, the [IRS](https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-exceptions-to-tax-on-early-distributions) [allows exceptions](https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-exceptions-to-tax-on-early-distributions), such as certain education, medical, or first-time home expenses. When requesting a withdrawal, you can choose how much tax to withhold. If you’re unsure what to select, you may want to speak with a qualified tax advisor. Once a withdrawal is underway, the amount and any tax withholding selections can’t be changed. Tax treatment and eligibility for exceptions depend on your individual situation. OnePay does not provide tax advice. #### What is dividend reinvestment? A Dividend Reinvestment Plan (also called DRIP) is an option that automatically uses the cash dividends you earn from eligible stocks or ETFs to buy more of that same investment. Instead of receiving dividend payments as cash, those funds are used to purchase additional shares or fractional shares. Changes to the dividend reinvestment settings are processed after the market close. It could take up to 24 hours for dividend reinvestment to be enabled or disabled on your Invest or IRA account. #### **How does dividend reinvestment work with OnePay investment accounts?** If you opt in to dividend reinvestment, any eligible dividends from holdings will automatically be reinvested into those same securities. You don’t need to take any extra steps each time a dividend is paid. Reinvested dividends appear in your transaction history as additional share purchases. If you don’t opt in, dividends will continue to be paid out as cash. To turn on or off your dividend reinvestments 1. Open the OnePay app 2. Select your investment account under **Your Investments** 3. Select the **Settings **icon in the upper-right corner 4. Tap **Dividend reinvestment** 5. **Toggle** the setting on or off Once turned on, dividend reinvestment applies to all eligible investments in that account. You can turn it off anytime. #### How do I enroll or unenroll in stock lending? With OnePay investment accounts, you have the option to enroll in stock lending if you are eligible. To enroll or unenroll in Stock Lending: 1. Open the OnePay app 2. Select your investment account under** Your investments** 3. Select the Settings icon in the upper-right corner 4. Select Stock lending 5. Toggle the stock lending button Click [here](https://www.onepay.com/help-center/articles/portfolio-management) to learn more about stock lending with investment accounts in the OnePay app. #### When will I receive my tax forms? Your year-end tax forms for IRAs will be available in the OnePay app by the end of February. To view your tax forms: 1. Open the OnePay app 2. Select Profile, then tap Statements & Documents 3. Select Tax Documents, then select IRA #### **How do I transfer an existing investment account to OnePay?** You can transfer existing stocks or ETF’s held at another brokerage account into your OnePay Investment account through the ACAT transfer process by  following these steps: - Open the OnePay app and select on your OnePay Invest or IRA. - Tap on settings in the upper right hand corner. - Select Transfer an Account. - Choose your brokerage firm. - Enter the brokerage account number on your external account. - Confirm that the name on your external brokerage account matches the name on your OnePay account. - Follow the on-screen prompts to complete and submit your transfer request. Note: When transferring holdings to OnePay, the account types must match. For example, if you have a Traditional IRA at another brokerage, it must be transferred into a OnePay Traditional IRA. Transfers between mismatched account types are not permitted and will result in a failed transfer request. #### **What is the status of my transfer from an external brokerage account?** You can track the status of your account transfer directly in the OnePay app. Open your OnePay Invest or IRA account and check the pending activity section.  Transfers typically take 5–7 business days to complete. If your transfer is taking longer than expected or shows as failed, you'll receive an email notification with more details. You can also view the reason in the app and resubmit a new transfer request once the issue has been resolved. #### **Why can’t I transfer bonds, options, or mutual funds into my OnePay investment account?** OnePay can only accept stocks and ETFs that are supported and freely tradable through DriveWealth. If the securities being transferred are not supported by DriveWealth, the ACAT transfer request will be rejected. As a result, securities such as bonds, options, and mutual funds cannot be transferred into a OnePay investment account. #### **Are there any fees to transfer my holdings into a OnePay Invest or IRA?** While your external brokerage may charge an ACAT fee to transfer holdings out of your account, OnePay does not charge any fees to receive transferred positions into your OnePay investment account. #### **My transfer failed — what do I do?** If your transfer shows as Failed, you'll receive an email notification and can view the reason for the failure in the OnePay app. Common reasons include: - The account type on your transfer request didn't match your OnePay account (e.g., a Roth IRA transferred to a Traditional IRA) - The account number entered was incorrect - The transfer included assets that aren't supported (such as bonds, options, or mutual funds — OnePay only supports stocks and ETFs) - There were insufficient holdings in your account to complete the transfer Once you've identified the reason, you can submit a new transfer request with the corrected information. If your transfer was declined by your external brokerage, contact them directly for more details before resubmitting. #### **Can I cancel an account transfer after I've submitted it?** Once a transfer has been submitted through the OnePay app, it cannot be canceled through OnePay. If you'd like to stop the transfer before it completes, contact your external brokerage directly to request a stop on the transfer. --- ## Managing Rewards ### Managing Your OnePay Rewards URL: https://www.onepay.com/help-center/articles/rewards-managing-rewards-managing-your-onepay-rewards Last updated: 2026-07-20 ### Do OnePay Points expire? OnePay Points earned with your OnePay Debit Card or Builder Card will not expire.  Points you earn with OnePay Wallet at Walmart will expire 90 days after you earn them, unless you have a OnePay deposit account or a OnePay credit card. Once you open either, those Walmart points will not expire. Any other points you earn with OnePay Wallet will not expire. Some offers are automatically activated for eligible cards, while others require activation in the app. You can see which linked cards in your OnePay Wallet are eligible to unlock more offers right from the OnePay app. To unlock more offers for cards in your OnePay Wallet  1. Open the OnePay app 2. Tap your points or find your Rewards page 3. Tap on “Learn more” right below “Browse offers" 4. Enroll your eligible cards --- ## Money Movement ### Account numbers URL: https://www.onepay.com/help-center/articles/account-numbers Last updated: 2026-01-06 #### Can I pay my bills using my account and routing numbers? You can use your account and routing numbers to pay bills. Tap [here](https://web.one.app/link/profile/accountnumbers) to access your account and routing numbers. #### Where can I find my account and routing numbers? You can find your OnePay routing and account numbers within the app. - Tap on Checking or Savings then the Settings icon in the upper-right corner - Tap **Routing & account numbers** - Select **Checking** or the pocket you would like to find routing and account numbers for You can also tap [here](https://web.onepay.com/link/profile/accountnumbers) to access your account and routing numbers and view your card number in the OnePay app. --- ## OnePay Benefits ### Auto Insurance URL: https://www.onepay.com/help-center/articles/benefits-greater-than-auto-insurance Last updated: 2026-05-29 OnePay has partnered with Experian to offer Auto Insurance in the OnePay app. You can compare auto insurance quotes directly from the app through a cobranded experience powered by Experian. #### How do I get auto insurance quotes in the OnePay app? You can compare auto insurance quotes through the Auto Insurance flow in the OnePay app. To get a quote: 1. Open the OnePay app. 2. Select the Auto Insurance tile in the Discover More section 3. Follow the on-screen prompts You’ll be redirected to enter your information and view available quotes from participating insurance providers. #### I started a quote but didn’t finish. How do I continue? You can return to the **Auto Insurance** tile in the Discover More section of the OnePay app and select it to continue your quote. If available, the information you previously entered will be filled in automatically so you can pick up where you left off. #### How do I get in touch with Experian about my auto insurance quote? If you have questions about your quote, pricing, coverage options, application status, or an existing policy, you’ll need to contact Experian directly. You can reach them by: - Phone: 480-630-4538 - Email: [advisors@insurance.experian.com](mailto:advisors@insurance.experian.com) #### Does OnePay set insurance prices or recommend a company? No. OnePay isn’t a licensed insurance provider and doesn’t set insurance prices or recommend a specific company. Insurance quotes and coverage options are offered by Experian through its licensed subsidiary, Gabi Personal Insurance Agency, Inc., and participating insurance companies. If you choose a policy, it’s issued and managed by the insurance provider. OnePay is not a licensed insurance provider. Experian offers insurance from a network of insurance companies through its licensed subsidiary, Gabi Personal Insurance Agency, Inc. --- ### Connecting OnePay to AI Tools URL: https://www.onepay.com/help-center/articles/connecting-onepay-to-ai-tools Last updated: 2026-06-30 #### What is OnePay for Agents? OnePay for Agents lets you connect OnePay to AI tools like Claude or ChatGPT. Once connected, the AI Agent can retrieve available OnePay data to help answer questions about your accounts, such as understanding your spending, checking your credit score history, or reviewing your rewards balance, within the AI platform’s interface. This connection is powered by the Model Context Protocol, or MCP. MCP is a technology standard that allows AI Agents to securely retrieve data from OnePay when needed to respond to your questions. #### Is this feature optional? Yes. Connecting an AI Agent to OnePay is optional. OnePay does not share your data with an AI platform unless you choose to set up and authorize the connection. #### Which AI tools does OnePay support? OnePay is available for use in Claude (by Anthropic) and ChatGPT (by OpenAI). You can also connect the OnePay MCP to an agent that you host locally, such as Claude Code or Codex. #### How do I connect OnePay to an AI agent? The steps may vary depending on the AI tool you’re using. For ChatGPT:  1. Open **Settings** 2. Tap **Apps** 3. Tap **Advanced Settings** 4. Toggle on **Developer Mode** if available for your plan 5. Tap **Create App** 6. Enter **OnePay** for the app name 7. Enter [https://mcp.onepay.com](https://mcp.onepay.com) for the connection URL. 8. Tap **Create** For Claude Desktop:  1. Open **Settings** 2. Tap **Connectors** 3. Tap **Add** 4. Tap **Add custom connector** 5. Enter **OnePay** for the app name 6. Enter [https://mcp.onepay.com](https://mcp.onepay.com) for the Remote MCP Server URL 7. Tap **Add** After completing these steps, you’ll be guided through the standard OnePay authentication flow: 1. Verify your phone number 2. Enter your passcode 3. Review and consent to the connection between OnePay and your chosen AI tool Once you complete these steps, the AI agent will be authorized to retrieve your OnePay data through the OnePay MCP server. For local AI agents like Claude Code or Codex, follow the agent instructions for adding a remote MCP server. The Onepay MCP server URL is: [https://mcp.onepay.com](https://mcp.onepay.com). #### Which OnePay data can an AI agent access? AI Agents can access a growing set of data from OnePay, such as account summaries, balances, transactions, savings goals, credit card details, credit score history, crypto and investing activity, Pay Later loan statuses, rewards, and available OnePay @Work data. The specific data available may vary by product, account status, and the AI Agent’s settings. Depending on the AI Agent and its settings, you may be able to control access to specific OnePay tools. #### Is my data shared with AI platforms? Your data is shared with Anthropic, OpenAI, or another AI platform when you choose to authorize the connection. Once you choose to share data with an agent, the use of that data is governed by the agent provider's terms and privacy policy. #### How do I disconnect an AI Agent from OnePay? You can revoke an AI Agent’s access to your OnePay data at any time. To disconnect an AI Agent, manage your connected apps within the AI Agent’s settings. OnePay may also revoke access if there are changes to your account standing. After access is revoked, the AI Agent can no longer retrieve your OnePay data. --- ### Earning 3.35% APY URL: https://www.onepay.com/help-center/articles/earning-3-35-apy Last updated: 2026-01-19 #### How do I earn 3.35% Annual Percentage Yield (APY)? All customers who bank through OnePay earn 3.35% APY on Savings and Pay Autosave balances. #### What is Annual Percentage Yield (APY)? Annual Percentage Yield (APY) is the interest you can earn on your Savings balance over the course of a year. APY is expressed as a percentage based on the compound interest you earn on the dollar amount in your account. This amount is calculated daily and added to your account on the first of the month. You can tap [here](https://web.onepay.com/link/save) to see your APY in the OnePay app. #### Does Annual Percentage Yield (APY) Change? What causes it to change? Annual Percentage Yield (APY) may change at any time before or after account opening. The APY on bank accounts is variable, meaning it can increase or decrease depending on factors like economic conditions, inflation, and interest rates. You can tap [here](https://web.onepay.com/link/save) to see your current APY. #### How do you calculate Annual Percentage Yield (APY)? We use the daily balance method which means that interest earned on your Savings balances accrues daily and is posted to your OnePay deposit account monthly. #### How can I see how much interest I've earned? - How can I see how much interest I’ve earned? - Tap Discover (globe icon) in the OnePay app - At the top of the screen, you can see your total earnings - Tap all the ways you've saved, to see a breakdown of your earnings, which includes your interest earned You can tap [here](https://web.onepay.com/link/profile/statements) to view more details in your statement. --- ### OnePay Money Companion (OPMC) URL: https://www.onepay.com/help-center/articles/onepay-money-companion-opmc Last updated: 2026-05-29 #### What is OnePay Money Companion? The OnePay Money Companion (OPMC) 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 OnePay Money Companion? OnePay Money Companion 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 OnePay Money Companion (OPMC)? - Open OPMC in the middle of the navigation bar at the bottom of the OnePay app. - 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 OPMC 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 OnePay Money Companion help me with my OnePay account? OPMC 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](https://www.onepay.com/help-center/articles/contacting-onepay-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 OnePay Money Companion? - Open **OPMC** in the middle 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 OnePay Money Companion get information from? OnePay Money Companion 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 OnePay Money Companion asking me to link my bank accounts through Plaid? OnePay Money Companion only uses Plaid to let you connect your external accounts. By linking your external accounts, the OnePay Money Companion 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 OnePay Money Companion 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 OnePay Money Companion, 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 OnePay Money Companion. However, you may still sign up for other products at OnePay. --- ## Other ### Credit Bureau Reporting (OnePay Loans) URL: https://www.onepay.com/help-center/articles/credit-bureau-reporting-loans Last updated: 2026-01-06 #### How does my loan impact my credit report? When you apply for a loan with OnePay there is a soft credit check, which will not have a negative impact on your credit score. If approved, your payment history may be reported to the credit bureaus. #### What is a credit score? A credit score is a number that credit bureaus use to help lenders assess creditworthiness. --- ### Direct Deposit Benefits URL: https://www.onepay.com/help-center/articles/direct-deposit-benefits Last updated: 2026-08-01 #### What are Direct Deposit benefits? OnePay offers additional features that can be unlocked when you receive at least $500 in qualifying direct deposits within a month. Once you meet this requirement, you may become eligible for benefits such as Mobile Check Deposit, Cash Advance, Overdraft Protection, and 3% cash back in OnePay Points on qualifying non-Walmart purchases made with their CashRewards Credit Card through December 31, 2026. #### Do customers with Direct Deposit benefits get higher OnePay Advance limits? OnePay Advance limits are set automatically and cannot be increased upon request.  You may be eligible for higher Advance limits over time when you: 1. Receive eligible Direct deposit benefits for multiple months 2. Increase the amount you direct deposit into your OnePay deposit account #### Once I meet the requirements for Direct Deposit benefits, when will I start receiving the benefits? The timing of when you receive Direct Deposit benefits depends on when you received the direct deposit into your OnePay account: - If you receive $500 or more in direct deposits in a calendar month, you will unlock Direct Deposit benefits for the rest of that month and the following month. #### What does OnePay consider a Direct Deposit? A Direct Deposit can be any of the following: - Paychecks from an employer - Spark Driver earnings - Gig platform payments like Uber, Lyft, DoorDash - @Work Instapay payments - @Work Save contributions - Social security income - Government salary - Recurring government payments such as annuities - Retirement payments - Unemployment payments Payments or transfers through person-to-person providers such as Venmo, PayPal or Cash App are not considered a Direct Deposit. Cash deposits, mobile check deposits, wire transfers, One to One transfers, and ACH funding or debit card funding transfers initiated from the OnePay app also do not qualify as Direct Deposits. ACH micro deposits (under $1) will also not be counted as Direct Deposits. --- ### Earning 3.35% APY URL: https://www.onepay.com/help-center/articles/earning-apy Last updated: 2026-01-19 #### How do I earn 3.35% Annual Percentage Yield (APY)? All customers who bank through OnePay earn 3.35% APY on Savings and Pay Autosave balances. #### What is Annual Percentage Yield (APY)? Annual Percentage Yield (APY) is the interest you can earn on your Savings balance over the course of a year. APY is expressed as a percentage based on the compound interest you earn on the dollar amount in your account. This amount is calculated daily and added to your account on the first of the month. You can tap [here](https://web.onepay.com/link/save) to see your APY in the OnePay app. #### Does Annual Percentage Yield (APY) Change? What causes it to change? Annual Percentage Yield (APY) may change at any time before or after account opening. The APY on bank accounts is variable, meaning it can increase or decrease depending on factors like economic conditions, inflation, and interest rates. You can tap [here](https://web.onepay.com/link/save) to see your current APY. #### How do you calculate Annual Percentage Yield (APY)? We use the daily balance method which means that interest earned on your Savings balances accrues daily and is posted to your OnePay deposit account monthly. #### How can I see how much interest I've earned? - How can I see how much interest I’ve earned? - Tap Discover (globe icon) in the OnePay app - At the top of the screen, you can see your total earnings - Tap all the ways you've saved, to see a breakdown of your earnings, which includes your interest earned You can tap [here](https://web.onepay.com/link/profile/statements) to view more details in your statement. --- ### OnePay Later after you shop URL: https://www.onepay.com/help-center/articles/onepay-later-after-you-shop Last updated: 2026-05-19 #### What is OnePay Later after you shop? OnePay Later after you shop lets customers who bank through OnePay split a recent qualifying purchase into payments. If the transaction qualifies, it can be converted into a OnePay Later loan directly in the app after the transaction has been processed. OnePay has partnered with Klarna, a global leader of buy now, pay later services, to offer OnePay Later after you shop. If a transaction qualifies, you’ll receive a notification in the OnePay app, and you may see an indicator next to the transaction that it is Pay Later eligible. #### How do I convert a purchase into a payment plan with OnePay Later after you shop? If your OnePay deposit account purchase is eligible, you can convert it into a Pay Later loan directly in the OnePay app after the transaction has settled. To get started: 1. Open the OnePay app 2. Go to your transaction history 3. Select a transaction labeled **Swipe for $[x] back** 4. Review your payment plan and follow the on-screen prompts If approved, the transaction is converted into a Pay Later loan, and a credit is applied to your OnePay deposit account for the purchase amount. #### Who is eligible for OnePay Later after you shop**?** Eligibility is determined by Klarna and may depend on several factors, including a soft credit check and the information provided during your application. To apply, you must: - Be a U.S. resident with a valid U.S. address - Be at least 18 years old with a valid Social Security number (SSN) - Bank through OnePay - Be able to receive verification codes via text message Meeting these requirements may allow you to apply, but eligibility and approval can vary. #### What are the interest rates on OnePay Later after you shop? Annual percentage rates (APR) for monthly financing range from 9.99% to 35.99%. Your APR will be shown when you select a payment plan. You’ll see the total interest amount before accepting the offer. If you pay off your loan early, you may reduce the total interest you pay. #### Are there fees for using OnePay Later after you shop? There are no fees when you pay on time. If a payment is late, a late fee of up to $7 will apply. #### Why do I still see the original OnePay deposit transaction? You’ll still see the original transaction because your original purchase with the merchant still applies. After you complete the application and accept the terms: - The original OnePay deposit account transaction remains in your history - A credit is added to your OnePay deposit account for the purchase amount - A Pay Later loan appears in your account, managed by Klarna You’ll repay the loan over time based on your selected terms. --- ## Privacy ### Avoid Scams and Keep Your Money Safe URL: https://www.onepay.com/help-center/articles/avoid-scams-and-keep-your-money-safe Last updated: 2026-01-06 This article provides essential information and tips to help you recognize and avoid common scams and protect your financial security. #### How can I protect myself from potential scams and fraud attempts? Always verify the identity of anyone you are transacting with, even if they appear to be someone you know. If an offer sounds too good to be true, it probably is. Scammers may attempt to steal your personal or financial information for their own gain. To protect yourself, you should never provide anyone with sensitive or personal information, such as your account number, one-time password, or social security number/tax identification number. If you believe that you are a victim of a scam, contact our [Customer Support](https://www.onepay.com/help-center/articles/contacting-onepay-customer-service) team immediately or say Agent in chat to be connected to a OnePay Specialist. #### What are some common scams or fraud with peer to peer payments? ###### **Imposter scams** Scammers may call, text, or email you, pretending to be a OnePay representative. They often create a sense of urgency to pressure you into sending money or sharing sensitive information. **Remember:** OnePay will never ask for payments, passcodes, or sensitive information through unsolicited calls, emails, or texts. Always verify the recipient’s details before making a transfer. ###### **Too good to be true deal scams** Scammers may offer products or deals that seem unrealistically generous or urgent, often requesting payment or personal details in exchange. **Protect yourself:** - Never respond to unsolicited offers or click on unknown links. - Research the product and company through trusted sources before making a purchase or sharing information. - When in doubt, log back in to the OnePay app through the app directly (not through any shared links) or call back to a publicly available phone number. OnePay Customer Support can be reached at (855) 830-6200.. ###### **Money Mule Scams** In a money mule scam, a scammer asks you to receive money and then transfer part of it elsewhere. The original funds are often stolen or fraudulent. Acting as a money mule is illegal and can result in serious legal consequences. **Never agree to transfer funds on behalf of someone you do not know personally and trust.** #### How do I keep my OnePay Retail Card safe? Never share your OnePay Retail Card information—including the card number, CVC, or expiration date—with anyone. Be wary of anyone claiming to be law enforcement or a company representative or a person in need who asks you to purchase retail cards and provide any part of your card information. Legitimate organizations and law enforcement agencies will never request payment using retail cards or ask for your sensitive information. If you receive such a request, report it to OnePay Customer Support immediately. #### Customer Service Inquiries If you are a OnePay customer with a specific question about your account, you can get help by: - [Chat with us](https://web.onepay.com/link/profile/supportchat/DEEP_LINK) 24/7 in-app or say Agent in chat to be connected to a OnePay Specialist - Call us at (855) 830-6200 between 9 a.m. - 9 p.m. ET, 7 days a week. --- ### Disputes URL: https://www.onepay.com/help-center/articles/disputes Last updated: 2026-04-06 #### How do I file a dispute? If a transaction is still pending, please wait until it posts to submit a dispute. ###### **Filing a dispute in the OnePay app** You can file a dispute in the OnePay app. To file a dispute: 1. Open the OnePay app 2. In the Profile tab, tap Help 3. Select File A Dispute 4. Follow the on-screen prompts to provide the required details You can also call our Customer Support team at 1 (855) 830-6200. ###### **Completing the disputes form** When completing the form, you’ll be asked to: 1. Select the account where the transaction occurred 2. Confirm whether the transaction was made using a card or a bank transfer (ACH) 1. Select **Yes** for card transactions 2. Select **No** for bank (ACH) transactions 3. Choose the type of claim: 1. **I participated in this transaction, but there is a problem** 2. **I did not participate in this transaction, and I did not authorize anyone else** 3. **I had an issue while using my card at an ATM** 4. Answer questions based on your selection 5. Review your details and submit your claim Your dispute is only submitted after you confirm on the final screen. ###### **Choosing the correct dispute option** If you participated in the transaction, select the issue that best matches what happened: - **Charged more than once**: You were charged multiple times or were charged after paying another way - Example: A card payment did not go through, you paid using another method, and were still charged on your Onepay account - **Haven’t received merchandise or service**: You paid but did not receive the item or service - **Cancelled or returned but no refund**: You cancelled a transaction with a merchant or returned an item and are still waiting for a refund - You may be asked if the merchant confirmed the refund - Select **Yes** if you received a confirmation or receipt - Select **No** if the merchant did not confirm or refused - If a transaction was cancelled at the terminal but you were still charged, select **Yes** if it was voided - **Recurring transaction issue**: You cancelled a subscription but were still charged - **Dissatisfied with merchandise or service**: You received the item or service, but it did not meet expectations - **Charged the wrong amount**: The amount charged does not match your receipt or agreement Select **“I did not participate in this transaction”** if you do not recognize the transaction, did not authorize it, and did not benefit from it. You may be asked to confirm: - You do not recognize the transaction - You did not authorize anyone else to process the transaction - Whether your card is lost, stolen, or still in your possession Select the **ATM option** if the issue happened during an ATM transaction, such as: - Cash was not dispensed - You received less or more cash than expected You’ll be asked to describe what happened, including the amount attempted, what occurred during the transaction, and whether a receipt was provided. ###### **Information you’ll need to provide** You’ll be asked to provide: - The reason for your dispute - Multiple transactions can be included if they have the same reason - If the reasons are different, submit separate disputes - Transaction date(s) - Transaction amount(s) - Merchant name(s) - A description of what happened You may also be asked to provide supporting documents, such as receipts, emails, invoices, screenshots, proof of cancellation or return, or other relevant records. Providing more detail can help with the review of your claim. ###### **Tips for completing the form** - Provide clear and consistent details across all answers - Include a timeline of events, such as when the transaction occurred and when you noticed the issue - If reporting unauthorized transactions, include all related transactions together when possible - For ATM issues, include details such as the amount requested, what happened, and whether a receipt was provided Transaction errors reported by phone or physical mail within 60 days from the statement date may be eligible for certain regulatory protections. Refer to the Deposit Account Agreement for more information. By submitting a dispute, you confirm that the information provided is accurate and that you are an authorized signer on the account. #### There is fraud on my account; what do I do? If you believe your account login credentials, PIN, Debit Card, Builder Card, or access code has been stolen, or if you believe that an electronic fund transfer has been made without your permission, say “Agent” in chat or call 1(855)830-6200 immediately. If you see any suspicious activity or unauthorized card transactions on your account, immediately request a replacement card and confirm your card was stolen from the OnePay app and file a dispute (go to the Profile tab, tap Help, and select “File a Dispute”) or call 1(855)830-6200. Once you request a replacement card, we will send it within 7-10 days. You can track the status of your OnePay card by tapping "Track card" from the Home tab of the OnePay app. It will have a new card number, expiration date, and security code. In the meantime, you can use your temporary virtual card available in the OnePay app in stores or online until you receive your physical card in the mail. #### What does the dispute process look like? After we receive your dispute, we may be able to temporarily credit your account (provisional credit) for the amount of your dispute based on the type of transactions being disputed and the reason for the dispute while we investigate. The full dispute investigation process can take up to 3-4 months, and once completed any temporary credits you may have received during the dispute investigation will either be reversed, finalized, or adjusted at that time. Our support team will reach out to you via email if they need more information or documentation to process the dispute. Once we receive all the required information, we will conduct additional investigation and reach out to you with a resolution. #### Can I check the status of a dispute? You will get emails on the status of your disputes. You can also check the status of your dispute by selecting the disputed transaction from your transaction history. If you have any questions, please chat with us from the profile section in the OnePay app at any time. #### I accidentally made a purchase. Should I file a dispute? If you accidentally make a purchase, please work with the merchant directly to cancel the order and return any goods/merchandise. If you believe an error occurred and you are unable to resolve the issue with the merchant, call our Customer Support team at 1 (855) 830-6200. --- ### Passcode URL: https://www.onepay.com/help-center/articles/passcode Last updated: 2026-03-05 #### How can I keep my account safe? Never share your account or personal information. Please be aware that OnePay will never ask for any sign-in information, such as your app Passcode or one-time verification code, full Social Security number (aside from when you open an account), or account passwords. Any email correspondence from OnePay will be sent from an address ending in @onepay.com. If you believe that you are a victim of a scam, contact our [Customer Support](https://www.onepay.com/help-center/articles/contacting-onepay-customer-service) team immediately or say Agent in chat to be connected to a OnePay Specialist. #### How can I change my passcode? - Tap the profile button at the top right to access your Profile in the OnePay app - Select Account - Tap **Change passcode** - Enter your current account passcode - Create and confirm a new four-digit passcode - Your new account passcode will be updated immediately You can also tap [here](https://web.onepay.com/link/profile/changepasscode) to change your passcode in the OnePay app. Please note that the passcode can only be changed via the OnePay App If you are experiencing issues with your passcode, please contact [Customer Service](https://www.onepay.com/help-center/articles/contacting-onepay-customer-service). [**OnePay how to change your passcode**](https://youtube.com/shorts/uwox_sBgysk?feature=share) #### What do I use my passcode for? Your account passcode is required to verify certain requests on your account, including: - Logging into your account on a new device and the website - Updating your profile information If you have already logged in on a device and have turned on face recognition or fingerprint authentication, you will not be required to enter a passcode during the login process. #### I forgot my passcode. How can I reset it? You can reset your passcode only through the OnePay App. To reset your passcode: - Begin the login process from your OnePay App. - Tap on **Reset Passcode **when you reach the passcode screen - Follow the on-screen instructions to reset your app passcode If you are experiencing issues with your passcode, please contact [Customer Service](https://www.onepay.com/help-center/articles/contacting-onepay-customer-service) or say Agent in chat to be connected to a OnePay Specialist. --- ### Privacy Choices URL: https://www.onepay.com/help-center/articles/privacy-choices Last updated: 2026-01-06 #### Can I limit data sharing? If you have questions about how OnePay uses your personal information and what types of data sharing you can limit, refer to our [Privacy Policies](https://www.onepay.com/legal/privacy-policies). Please contact [Customer Support ](https://www.onepay.com/help-center/articles/contacting-onepay-customer-service)or say Agent in chat to speak with a OnePay Specialist. #### I have a California Consumers Privacy Act (CCPA) request. What do I do? To exercise your rights, please submit a request by contacting us at 1-855-830-6200 or writing to us at: OnePay, P.O. Box 513717, Los Angeles, CA 90051 . Our team will send confirmation of your request within 10 business days. Corresponding documentation is typically sent within 45 days after we have received your request. --- ### Requests and Notifications for Account Changes URL: https://www.onepay.com/help-center/articles/hc-privacy-requests-and-notifications-for-account-changes Last updated: 2026-02-17 #### **How do I request benefits under the Servicemembers Civil Relief Act (SCRA)?** To request benefits under the Servicemembers Civil Relief Act (SCRA), [contact our Customer Support team](https://www.onepay.com/help-center/articles/contacting-onepay-customer-service) and ask to have SCRA applied to your account. After you submit your request, you will receive an email with the next steps. You may be asked to provide documentation in connection with your request. #### How do I request Power of Attorney or other account authorization? If you have authority such as Power of Attorney, guardianship, or conservatorship over a OnePay customer’s account, [contact our Customer Support team](https://www.onepay.com/help-center/articles/contacting-onepay-customer-service) to request authorization.  To process your request, you will need to provide valid legal documentation that supports the relationship. The documentation must be current, clearly identify both the account holder and the authorized person, and grant authority to manage the OnePay account. Examples of acceptable documentation generally include a notarized Power of Attorney, a court order for guardianship or conservatorship, or a signed Letter of Authorization, if applicable. To send the documentation, you can [contact our Customer Support team](https://www.onepay.com/help-center/articles/contacting-onepay-customer-service) to request a secure electronic document link, or mail your documents to OnePay, PO Box 513717, Los Angeles, CA 90051-3717. #### How do I notify OnePay that a customer is deceased? To notify OnePay that a customer is deceased, [contact our Customer Support team](https://www.onepay.com/help-center/articles/contacting-onepay-customer-service). OnePay will need a copy of the death certificate and documentation showing authority to act on behalf of the estate, such as executor or estate administrator documentation. After you notify us, you’ll receive instructions on how to submit the required documents. #### How do I notify OnePay that I’ve filed for bankruptcy? If you’ve filed for bankruptcy, [contact our Customer Support team](https://www.onepay.com/help-center/articles/contacting-onepay-customer-service) to let us know. To help with the review, OnePay may request information such as your bankruptcy case number, the bankruptcy chapter (for example, Chapter 7 or Chapter 13), or related bankruptcy documentation. Documentation is helpful but not always required. If documents are requested, you’ll receive an email with instructions on how to submit them, including a secure upload option if needed. --- ### Security at OnePay URL: https://www.onepay.com/help-center/articles/security-at-onepay Last updated: 2026-07-21 #### Security at OnePay At OnePay, your account security is important to us. We use different tools and strategies to keep your OnePay account secure. #### Encryption OnePay protects data with 256-bit AES level encryption. All accounts are protected by requiring multi-factor authentication for login, as well as a multi-layered risk and anomaly analysis of each login attempt. In addition, customers can use biometric identification, such as Face ID and fingerprint authentication, to open the OnePay app after their first login. #### Notifications OnePay customers may receive alerts regarding actions taken on their account. To receive these alerts, turn on notifications during account setup or in your phone's settings. #### What is Phishing? Phishing is when a scammer sends a message designed to trick a victim into revealing sensitive personal information or allowing the scammer to plant malicious software into the victim’s accounts. Please be aware that OnePay will never ask for any sign-in information, such as your app Passcode or one-time verification code, full Social Security number (aside from when you open an account), or account passwords. Any email correspondence from OnePay will be sent from an address ending in @onepay.com. #### Responsible Disclosure for Security Researchers OnePay is committed to protecting the confidentiality, integrity, and availability of our customer's data. We value collaboration with the security research community and welcome reports of potential vulnerabilities through OnePay's Vulnerability Disclosure Program (VDP). Reports may be sent to responsible-disclosure@onepay.com. We ask all researchers to operate in good faith and to notify us as soon as possible once a potential vulnerability is found. We also ask that researchers adhere to the below rules: - Do not publicly disclose vulnerabilities or discuss them outside the VDP without prior consent from OnePay. - Do not perform denial of service (DoS or DDos) tests or other tests that could potentially impair access to OnePay's systems. - Do not perform tests or actions that have the possibility of viewing, modifying, or destroying other users' data. #### Customer Service Inquiries If you are a OnePay customer with a specific question about your account, you can get help by: - [Chat with us](https://web.onepay.com/link/profile/supportchat/DEEP_LINK) 24/7 in-app or say Agent in chat to be connected to a OnePay Specialist - Call us at (855) 830-6200 between 9 a.m. - 9 p.m. ET, 7 days a week. We have a presence in various social media/social networking outlets and may occasionally identify and respond to customers seeking assistance with account-related issues. #### How do I replace my Physical Card if it’s damaged, missing, or stolen? You can request a replacement card in the OnePay app. If your card is missing or stolen, reporting it will deactivate your current card to help reduce the risk of unauthorized transactions. ##### **To replace your card** 1. Select the card icon from the **Checking or Savings** screen of the app 2. Tap **Replace card** 3. Choose the reason (damaged, missing, or stolen) 4. Confirm your mailing address 5. Select **Replace My Card** to submit Your new card typically arrives within 7–10 business days. You can check its status by tapping **Track card** from the Home tab. ##### **If your card was reported as damaged** - You can continue using your current card until you activate your new one - Your replacement card will have the same card number, but a new expiration date and security code (CVC) - Your updated card details will automatically appear in the OnePay app. If your card is saved in Apple Pay or Google Pay, the updated details will reflect there as well - Most subscriptions and recurring payments may update automatically, but it’s a good idea to check with your providers to avoid interruptions ##### **If your card was reported as stolen** - Your current card will be deactivated - Your replacement card will have a new card number, expiration date, and security code (CVC) - Your new card will appear in the OnePay app - You'll need to re-add your new card to Apple Pay or Google Pay. You can do this by going to Home > Checking > Card Details and tapping Add to Apple Wallet or Add to Google Pay - You’ll need to update any subscriptions or recurring payments with your new card details ##### **If your card was reported as missing** - Your current card will be deactivated - Your replacement card will have a new card number, expiration date, and security code (CVC) - Your updated card details will automatically appear in the OnePay app. If your card is saved in Apple Pay or Google Pay, the updated details will reflect there as well - Most subscriptions and recurring payments may update automatically, but it’s a good idea to check with your providers **Note:** OnePay Retail Cards that have not been activated or are activated for limited use cannot be replaced. #### How do I freeze or unfreeze my Physical Card? If your card is lost or stolen, or if you notice activity you don't recognize, you can freeze your card in the OnePay app or on the OnePay website. Freezing your card helps prevent new card transactions from being processed. There are two ways to freeze your cards: **To freeze your physical card only:** 1. Select Card Details from the OnePay Cash section of the app 2. Turn Freeze Card on **To freeze all cards and payments (physical and virtual):** - Go to Home - Select Checking - Tap Card Details - Select Freeze All Cards and Payments Note: When Freeze All Cards and Payments is turned on, digital wallet, ATM withdrawal and transactions made through a mobile wallet will also be blocked. To unfreeze, follow the same steps and turn Freeze Card off. Your card can be used for purchases again as soon as the freeze is removed. [**How do I freeze my OnePay Debit Card or Builder Card?**](https://www.youtube.com/shorts/0MayXXVWU4o) --- ## Redeeming Rewards ### Redeeming OnePay Rewards Points URL: https://www.onepay.com/help-center/articles/rewards-redeeming-rewards-redeeming-onepay-rewards-points Last updated: 2026-07-20 ### How do I redeem my OnePay Points? You can redeem your OnePay Points in the OnePay app once you have at least 25 points available. To redeem your points: 1. Open the OnePay app and tap your points or find your Rewards page. 2. Tap **Redeem**. 3. Choose how many points you want to redeem. 4. Select how you want to redeem your points: - As a deposit into your OnePay deposit account **NOTE:** This can be used to buy cryptocurrency or invest in stocks and ETFs if you have a OnePay Crypto or Invest account. - As a statement credit applied to your CashRewards or Walmart Spend Card. - As a digital gift card to an available merchant of your choice for customers who bank through OnePay or have a OnePay credit card. 5. Follow the on-screen prompts to confirm your redemption. If you redeem points as a deposit, the cash back is deposited into the destination you selected in your OnePay deposit account. Statement credits are applied to the balance of the applicable OnePay product within 1–2 billing cycles after the redemption is completed. Once a redemption is completed, it can’t be canceled. --- ### Redeeming OnePay Rewards Points for Gift Cards URL: https://www.onepay.com/help-center/articles/rewards-redeeming-rewards-redeeming-onepay-rewards-points-for-gift-cards Last updated: 2026-07-20 ### Who can redeem points for a gift card? Customers who have a OnePay deposit account or have a OnePay credit card can redeem their OnePay Points for a gift card. ### What kind of gift cards can I get? Digital gift cards are available if you have a OnePay deposit account or OnePay credit card. The standard redemption rate for gift cards is 125 points per $1. Available gift card options can be found in the OnePay app during the redemption process, and merchants and card options may change over time. Gift card amounts vary by merchant, and each merchant may set its own minimum and maximum gift card amount. Some gift cards may expire. For details, check the gift card terms included in the email you received or contact the merchant directly. ### How do I redeem my points for a gift card? You can redeem your OnePay Points in the OnePay app once you have at least 25 points available. Some gift cards require more than 25 points as a minimum. To redeem OnePay Points for a gift card: 1. Open the OnePay app. 2. Tap your points or find your Rewards page. 3. Tap **Redeem**. 4. Tap **Gift cards**. 5. Choose the gift card you want. 6. Follow the on-screen instructions to select or enter an amount. 7. Select a recipient. - When sending to a friend, be sure to review the email address carefully. **IMPORTANT: **Once sent, the redemption cannot be voided, replaced, or refunded, nor is OnePay responsible for any lost or stolen cards. 8. Review and confirm the redemption. 9. Receive your gift card via an email to yourself; alternatively, you may also add it to your Google or Apple Wallet, as applicable. - When sending to a friend, they will receive the gift card via the email address provided earlier. ### How can I receive my gift card? You can have your gift card sent to your email address on your OnePay profile, and you may be able to add it to your Google or Apple Wallet. Not all gift cards can be added to digital wallets, so that option may not appear for every card. ### Can I send a gift card to someone else? Yes, you can send a gift card to a friend by email. Be sure to review the email address carefully before confirming. Once you send a gift card to a friend, the redemption cannot be reversed. ### I sent a gift card to my friend, but they never received it. What should I do? Please [contact OnePay Customer Service](https://www.onepay.com/help-center/articles/contacting-onepay-customer-service) for assistance. ### Can I exchange, cancel, or void my gift card after I make a points redemption for it? No. All gift card redemptions are final. They cannot be exchanged for a different merchant, and once issued, they cannot be canceled or voided. ### Will my gift card still work if the merchant is no longer listed on the app? Yes. Once a gift card has been issued, it will remain valid even if it is later removed from the list of available options in the OnePay app. A gift card is subject to the merchant issuer's terms and conditions. ### How do I check my gift card balance? You can contact the merchant directly to check the balance of the gift card. --- ## Savings ### OnePay Advance URL: https://www.onepay.com/help-center/articles/onepay-advance Last updated: 2026-08-10 #### What is OnePay Advance? OnePay Advance gives eligible customers who bank through OnePay quick access to extra cash when they need it. If you're eligible, you can request an Advance in just a few taps within the OnePay app. The requested amount is overdrafted from your Advance balance and instantly deposited into your Checking balance. #### Who is eligible for OnePay Advance? OnePay Advance is in limited availability to select customers who receive $500 or more in monthly direct deposits and are 18 or older. Additionally, some OnePay customers who do not bank through OnePay may see an option to open one and link an external bank account and debit card to check whether they are eligible for a OnePay Advance. Not everyone will see this offer, and eligibility and Advance amounts are determined by OnePay. Once you are eligible to request a OnePay Advance, you will see “Get $X instantly” in the [OnePay app](https://hello.one.app) on the Home tab. #### Are there any fees for using OnePay Advance? Each Advance has a simple OnePay Advance Overdraft fee of 3% of the Advance amount. There are no interest charges or late fees. #### How much can I request with OnePay Advance? Advance limits range from $25 to $300, depending on your direct deposit history, account activity, and other factors. Advance limits can increase over time.** **To see your limit, look for “Get $X instantly” in the [OnePay app](https://hello.one.app) on the Home tab to see your limit. You can only have one Advance at a time—once it’s repaid, you may be eligible for another. #### How can I increase my OnePay Advance limit? OnePay Advance limits are set automatically and cannot be increased upon request.  You may be eligible for higher Advance limits over time when you: 1. Receive $500 or more in monthly direct deposits for multiple months 2. Increase the amount you direct deposit into your OnePay deposit account #### How does OnePay Advance repayment work? Your Advance will be automatically repaid from deposits sent to your Checking balance. Repayment begins **after midnight** Pacific Time on the day the Advance was requested, and any funds added to the account before that time will not be applied toward repaying the Advance. Deposits that will be used to repay the Advance include:  - Paychecks and Instapay deposits - Gig payments (like payments from Spark Driver or DoorDash) - Transfers to a OnePay deposit initiated from other banks or financial apps (including apps like Venmo or Cash app) - One to One transfers from other OnePay customers You can also click [here](https://www.onepay.com/help-center/articles/direct-deposit?from=products#how-is-my-direct-deposit-applied-once-it-reaches-my-onepay-cash-account?) to view how your Direct Deposit is applied once it reaches your OnePay deposit account. Deposits made using “Add Money” or “Deposit cash” option in Cash Control, OnePay points redemptions, or internal transfers from Savings will not be used for automatic repayment. For Advances with a Linked Account Settlement Date, OnePay will attempt to collect any remaining Advance balance from the linked debit card on that date. If the Advance balance is not fully repaid, OnePay may continue attempting to collect the remaining balance from the same linked card until your Advance balance is $0. You can also make a manual repayment at any time in the OnePay app. #### How can I view my OnePay Advance history? You can view Advance history within the OnePay App: 1. Go to** Banking Settings** in OnePay App 2. Select **Savings Backup and Overdraft** 3. Review previous Advance activities You can still view your complete Advance activity, even if you are no longer eligible. #### Can I repay my OnePay Advance manually? Yes, you can repay part or all of your Advance at any time from funds in your OnePay deposit account. To repay manually: 1. Open the [OnePay app](https://hello.one.app) 2. If needed, [transfer funds](https://www.onepay.com/help-center/articles/transfers?from=products) to your Checking balance. 3. Tap **Advance balance**. 4. Select **Repay Advance**. 5. Enter the amount you want to repay. 6. Follow the on-screen prompts to complete your payment. #### How does OnePay Advance work with Fee-Free Overdraft? Your OnePay Advance is separate from Fee-Free Overdraft, and you can use the two together. Deposits to your Checking balance apply to your Advance first, then to your Fee-Free Overdraft (if you are eligible for Fee-Free Overdraft).  If you have a negative balance in Checking and you take an Advance, your Advance will be used to pay the negative amount. #### Can I increase the amount of my OnePay Advance after requesting it? No. Once you request an Advance, the amount can’t be changed. Once it’s repaid, you may be eligible for another. ---