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

Your pay, your way

OnePay @Work partners with leading employers to provide simple tools that help you take control of your pay — without the hassle.

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When paydays and due dates don’t line up, Instapay lets you access part of your net earnings when you need it most. See estimated earnings from the hours you’ve worked so you can plan ahead. With OnePay @Work, you can take control of your pay in a way that fits your life.

Tools to help you stay on track

• Instant access to your earnings
  With Instapay, request a percentage of your net earnings and get your money when you need it. No loans or hidden interest.

• Track your earnings
  View hours worked and get an estimate of how much you made per shift.

• Budget easily
  When you connect your bank account, OnePay @Work helps you track your monthly expenses and lets you know what’s okay to spend.

Bank through OnePay to get more for your money

• Earn 3% cash back
  On Walmart, gas, or dining on up to $150 spent each month, with eligible deposits. Cash back earned as points.

• No monthly fees
  And no minimum balances, either.

• 3.35% APY on Savings
  Earn in your sleep with 3.35% APY on Savings balances up to $250,000, with eligible deposits.

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

• Fee-Free Overdraft
  Get up to $200 in Fee-Free Overdraft with eligible deposits. Plus, get Savings Backup.

• Rewards at top brands
  Earn OnePay Points for shopping select brands.

Here's what customers are saying about OnePay @Work

• “This app has been a lifesaver.”
  Danyelle C.

• “Love the fact I can get money out before payday!”
  Ashley B.

• “Quick and easy to use. You can get money from your check in seconds.”
  Adam E.

• “Love it! Would choose OnePay over and over again.”
  Jameka H.

• “You are there for me when I need my money in advance.”
  Raul R.

• “Great. One of the best banking apps I've ever been a part of!”
  Cameron F.

• “I love how it tracks my bills for me.”
  Jon C.

• “Love all the benefits.”
  Brittany S.

• “Definitely helps when I need a payday advance for tight situations!!”
  Jason H.

Frequently asked questions

Who can use OnePay @Work?

OnePay @Work is available to members who are currently employed at a company that offers it as a benefit.

Does it cost to use OnePay @Work?

No. OnePay @Work is a free employee benefit.

Why should I use OnePay @Work?

OnePay @Work gives you simple tools to help you take control of your pay. With OnePay @Work, you can access your earnings early with Instapay to help cover the unexpected, save for the future, and budget with confidence.

Do I need to bank through OnePay to use OnePay @Work?

No, banking through OnePay is not required to use OnePay @Work. But you get more OnePay @Work perks when you bank through OnePay.