OnePay is a fintech, not a bank. Banking services are provided by our bank partners.

# Banking that builds credit

Build credit with every swipe with your Builder Card. Plus enjoy cash back, Early Pay, high-yield Savings, and more.

**OnePay™ is a financial technology company, not a bank.**  
**Banking services provided by Coastal Community Bank or Lead Bank, Members FDIC.** Cash back earned as points.

Experience banking that builds credit. With the Builder Card, you can start building credit with every swipe. Watch your savings grow on their own. Make payday even better—upto 2 days early. Keep more of your money by skipping monthly fees. Plus, shop popular brands and get rewarded for it.

## Here’s how you get more for your money

- **Build credit with every swipe** — with your Builder Card. Simply swipe or tap your card and start building credit history while you shop.

- **No monthly fees**  
And no overdraft fees or minimum balances, either.

- **3.35% APY on Savings**  
With [Banking+](https://www.onepay.com/banking-plus), earn in your sleep with 3.35% APY on Savings balances up to $250,000.

- **Early pay**  
Payday’s better when it’s early. Get your money up to 2 days faster with direct deposit.

- **Up to $200 of Fee-Free Overdraft**  
Get up to $200 in Fee-Free Overdraft with [Banking+](https://www.onepay.com/banking-plus).

- **Earn 3% back on your cash back category**  
With [Banking+](https://www.onepay.com/banking-plus), each month choose to earn on Walmart, gas, or dining on up to $150 spent.

## Turn spending into earning with OnePay Rewards

Whether you’re buying big-ticket items or daily essentials, banking through OnePay lets you score rewards.

Earn points when you shop, then redeem them for cash back.

- **Earn on select brands**  
Save while you shop brands you love.
- **Pick your cash back category**  
Each month, choose to earn on Walmart, gas, or dining. You can switch up your selection every month or keep it the same.
- **10¢/gal back on gas**  
On average, at participating local gas stations.

## Keep your money growing with Savings benefits

### Save more with 3.35% APY

With [Banking+](https://www.onepay.com/banking-plus), on Savings balances up to $250,000.

### Save smarter with goals

Create up to 3 custom savings goals to keep you on track, whether you’re working towards something big, something fun, or just stowing away for your rainy day fund.

### Save automatically with Pay Autosave

Automatically set aside any percentage or dollar amount of each Direct Deposit. Earn 3.35% APY with Pay Autosave.

## More ways to move your money  
### Send money for free with One to One

Whether you’re splitting the tab, divvying up trip expenses, or paying a friend back, One to One makes it easy to send cash to anyone who banks through OnePay.

### Send money internationally with Global Transfers

You deserve a fast and convenient way to send money to friends and family abroad, right from your phone. Send money to Mexico, India, and 140+ other countries with Global Transfers, powered by MoneyGram.

### Add or take out cash at Walmart

Get even more done on your Walmart trips with in-store deposits and withdrawals into OnePay, available at any Walmart location using your OnePay app.

## How does Builder Card work?

- **It’s a secured credit card, made simple**  
There's no security deposit, no monthly fees, and no credit check.
- **Your Checking balance is your limit**  
Your credit limit is tied to the Checking balance in your account.
- **Swipe or tap as usual, even at ATMs**  
Use your Builder Card everywhere Mastercard is accepted.

## Give yourself some credit

Build credit with zero fees, zero interest, and zero stress. Get access with [Banking+](https://www.onepay.com/banking-plus).

## Plus up your banking

Earn more on your monthly cash back category, get Fee-Free Overdraft up to $200, get access to Credit Builder Loan, and more.

## Frequently asked questions

**How does banking through OnePay work?**  
When you bank through OnePay, you’ll see a Checking and a Savings section. These are demand deposit accounts, commonly referred to as checking accounts.  
**Will I be charged monthly account fees?**  
Nope! When you bank through OnePay, you won’t be charged monthly fees. We also don’t charge overdraft fees or require minimum balances.  
**Is OnePay FDIC-insured?**  
OnePay is a financial technology company, not a bank, but our bank partners Coastal Community Bank and Lead Bank are FDIC members. Your deposits are FDIC-insured on a pass-through basis up to $250,000 at Coastal Community Bank or Lead Bank, Members FDIC.  
**Can I earn cash back when I bank through OnePay?**  
Yes! OnePay Rewards give you an easy way to earn OnePay Points on some of your favorite brands when you shop with your OnePay debit or Builder Card.

**How can I earn cash back when I bank through OnePay?**  
You can earn cash back with OnePay Rewards by shopping with your OnePay debit card and Builder Card at eligible merchants to earn OnePay Points.