{"account":{"slug":"one-finance","bank":"OnePay (formerly ONE)","name":"Banking"},"status":"recent","lastVerified":"2026-10-23","officialSource":"https://www.onepay.com/banking","history":[{"date":"2026-06-11","apy":"None on spending balance; 3.35% on savings with $500+ monthly direct deposit or $5,000+ balance, 1.00% otherwise","monthlyFee":"$0","minimumOpen":"None","atm":"55,000+ fee-free Allpoint ATMs plus free cash access at every Walmart","note":"Legacy snapshot before event-level evidence attachments"},{"date":"2026-10-12","apy":"None on spending balance; 3.35% on all Savings balances with no deposit hurdle shown (as of 8/1/2026)","monthlyFee":"$0","minimumOpen":"None","atm":"55,000+ fee-free Allpoint ATMs plus free cash access at every Walmart","note":"Savings shown as 3.35% APY on Savings balances with no qualification tier (APYs as of 8/1/2026); partner banks now Coastal Community Bank or Lead Bank; fee-free overdraft up to $200 with $500+ direct deposits; cash back is a monthly category choice on up to $150","sourceUrl":"https://www.onepay.com/savings","sourceLabel":"OnePay banking and savings page"},{"date":"2026-10-23","apy":"0.00% on Checking; 3.35% variable APY on Savings with no minimum balance (rate schedule effective October 13, 2026)","monthlyFee":"$0","minimumOpen":"None","atm":"No OnePay ATM fee at Allpoint; $3 at other ATMs, plus possible operator fees. Walmart cash deposits and barcode withdrawals are fee-free, subject to availability and limits","note":"Clarified selected-category rewards rather than a total rewards cap; verified Walmart cash methods and limits, partner-bank structure, savings and fees, conditional overdraft, and separate paid Advance pricing.","sourceUrl":"https://www.onepay.com/legal/account-rates-fees","sourceLabel":"OnePay October 13 rate schedule and current deposit agreements"}],"verificationEvents":[{"id":"d7e4fe55-1a3a-41b8-8030-4bfc610cb0d3","entityType":"bank-account","slug":"one-finance","checkedAt":"2026-10-23T20:14:50.907Z","recordedAt":"2026-10-23T20:14:50.913Z","sourceUrl":"https://www.onepay.com/legal/account-rates-fees","sourceLabel":"OnePay current rate schedule, banking disclosures and deposit agreements","outcome":"changed","summary":"Correct selected-category reward cap, Walmart cash methods and limits, partner-bank structure, fee-free overdraft versus paid Advance, and account ownership.","changedFields":["tagline","fdic","plans","features","atm","pros","cons","ourTake","bestFor","url","sections","faqs","termHistory","lastVerified"],"previousHash":"209fdc261f85fc4aa81382b9c77568db82f67bca1984f77506bc53659f17402b","recordHash":"600a2474c77983a1c773c1187c4a8fcc728cdcca16f12403351289997941d100"},{"id":"6821fbc9-ba9f-47b1-9f43-90393f246862","entityType":"bank-account","slug":"one-finance","checkedAt":"2026-10-23T02:33:07.031Z","recordedAt":"2026-10-23T02:33:07.032Z","sourceUrl":"https://www.onepay.com/help-center/articles/about-onepay-banking","sourceLabel":"About OnePay Banking","outcome":"confirmed","summary":"Confirmed fintech structure, Coastal Community Bank or Lead Bank, no joint accounts and teen authorized-user option.","changedFields":[],"previousHash":"6dfa8b95250ba8da88606a86ed5abf9ec93b892c24aab9fc8c2e357536a36cf1","recordHash":"52deb07b16721286d14ed254ff6783e97bd1b107fc3b3535f36dae47e37942da"},{"id":"e6da2f37-51a7-4b96-9ae6-d03eaac0f3ed","entityType":"bank-account","slug":"one-finance","checkedAt":"2026-10-23T02:33:06.955Z","recordedAt":"2026-10-23T02:33:06.956Z","sourceUrl":"https://www.onepay.com/help-center/articles/spend-savings-and-goals","sourceLabel":"OnePay Savings and Goals","outcome":"changed","summary":"Replaced obsolete three-pocket limit with up to 25 Savings Goals for eligible debit or Builder Card users.","changedFields":["features","cons"],"previousHash":"e7189d772fd52387b1231063d310005bccff4df026d0ed656410cf488e01101a","recordHash":"6dfa8b95250ba8da88606a86ed5abf9ec93b892c24aab9fc8c2e357536a36cf1"},{"id":"31ed91ba-fb60-4369-98ec-8430b8030906","entityType":"bank-account","slug":"one-finance","checkedAt":"2026-10-23T02:33:06.881Z","recordedAt":"2026-10-23T02:33:06.882Z","sourceUrl":"https://www.onepay.com/legal/account-rates-fees","sourceLabel":"OnePay October 13 rate and fee schedule","outcome":"changed","summary":"Confirmed 3.35% variable Savings APY, 0% Checking, no minimum balance, zero monthly fee, $3 outside Allpoint and 1.75% instant-transfer fee with $0.25 minimum; updated review and FAQs.","changedFields":["lastVerified","apy","atm","sections","faqs"],"previousHash":"b83bffede2e73664ae554310cb98ed83965bbe2b0c1fc2278711f6dff6a3f889","recordHash":"e7189d772fd52387b1231063d310005bccff4df026d0ed656410cf488e01101a"},{"id":"614c35b7-0dbc-4155-b3bb-58d630b27ec9","entityType":"bank-account","slug":"one-finance","checkedAt":"2026-10-12T00:00:00.000Z","recordedAt":"2026-10-12T13:11:19.400Z","sourceUrl":"https://www.onepay.com/savings","sourceLabel":"OnePay banking and savings page","outcome":"changed","summary":"3.35% APY on all Savings balances with no hurdle shown (as of 8/1/2026); partner banks Coastal Community or Lead Bank; overdraft up to $200 with $500+ DD","changedFields":["tagline","apy","fdic","plans","features","pros","cons","ourTake"],"facts":{"savingsApy":"3.35%","partnerBanks":"Coastal Community Bank, Lead Bank","overdraft":"$200 with $500+ DD"},"previousHash":"a4e194da8a8536d69c11c3778e0a9175d69aeb2195f14db1160b4e413467469d","recordHash":"7266240eeee82179a6d898e5d866950bcea4776ed153551a86e53412d042fe82"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}