OnePay – Mobile Banking 3.9.0

Open an account for free today – with no impact to your credit score.

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Banking services and ONE card provided by Coastal Community Bank, Member FDIC, under license by Mastercard® International. Deposits are insured up to $250,000 per depositor.

NO MONTHLY FEES
• No monthly fees with approved ONE account.*

3% CASH BACK AT WALMART
• Earn 3% cash back at Walmart with eligible deposits, up to $50 a year. Terms apply.‡

WHAT’S BETTER THAN PAYDAY? EARLY PAYDAY.
• Get your paycheck up to 2 days early.+

CASH REWARDS
• Earn cash back for shopping at some of your favorite brands. Cash back is added to your savings automatically. No activation, no coupons, no hassle.>

FREE OVERDRAFT PROTECTION
• Up to $200 with eligible direct deposits**

SAVINGS THAT GROW WITH YOU
• Earn 3.00% APY with Pay Autosave, up to $5,000. You can choose to set aside any dollar amount or percentage from your paychecks to automatically go into a Pay Autosave pocket. Plus, get 1.00% APY on the rest of your savings balances.^

ADD OR TAKE OUT CASH FOR FREE
• Use your ONE debit card at any Walmart cashier, MoneyCenter, or Customer Service desk with no fees.
• Use your in-app barcode to take out cash for free at any Walmart MoneyCenter or Customer Service desk when you have eligible direct deposits.***
• Use 55,000+ Allpoint ATMs for free with eligible direct deposits.++

ENHANCED SECURITY & CONVENIENCE
• Add your card to a digital wallet for secure, convenient, and touch-free payments.
• Instantly freeze your card to prevent purchases.
• FDIC-insured up to $250,000 per depositor.
• Bank-level security and encryption.

*For cards purchased at an in-store retail location, a $5 fee will be applied 10 days after purchase and then every month until you apply and are approved for a ONE account.
‡To qualify, within the first 12 months of account opening you must have 3 consecutive months where you (i) receive $500 or more of eligible direct deposits or (ii) maintain an average daily balance of $5,000 or more. Then to receive 3% cash back on an eligible purchase, you must either (a) be a Direct Deposit Customer or (b) have maintained an average daily balance of $5,000 or more in the prior month. 3% cash back applies to Walmart purchases, up to $50 per year. This promotion may not be combined with other ONE promotions that offer cash back on purchases at Walmart. Terms apply. See one.app/promo-terms
>Cash back can be earned through the Cash Rewards Program. Terms apply. See one.app/rewards.
**With eligible direct deposits totaling at least $500 in the previous 31 days. Must be 18 or older to receive overdraft protection. Overdraft balance is due right away. Transactions eligible for overdraft protection are determined by ONE.

+Direct deposit may be available up to 2 days in advance, but depends on when the employer sends paycheck data.

^3.00% annual percentage yield (APY) applies only to Pay Autosave balances up to $5,000. Pay Autosave balances over $5,000 and all other Save balances will earn 1.00% APY. APYs as of 4/13/23 but may change at any time before or after the account is opened.

***Barcode withdrawals are free with eligible direct deposits totaling at least $500 in the previous 31 days, otherwise a $3 fee per transaction applies. Debit card withdrawals are free at any Walmart Money Center or Customer Service desk.

++Allpoint Network ATM transactions are fee-free for accounts with eligible direct deposits totaling at least $500 in the previous 31 days, otherwise a $3 fee will apply. Transactions at ATMs outside of the Allpoint Network are subject to fees.

Additional terms may apply. To see full account and promotion terms and conditions, visit www.one.app/terms or call (855) 830-6200.

ONE is a financial technology company, not a bank.