No monthly fee, no minimum balance. Download the app and create an account to start earning 2% cash back* and enjoy savings rates higher than the national average.^ Open an account for free today–with no impact to your credit score. 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. EARN WHILE YOU SPEND, EARN WHILE YOU SAVE • Get 2% cash back on all purchases at Walmart, gas stations, and drugstores for the first 12 months.* • Earn 1.00% APY interest on savings balances, including card round-ups.^ GET MORE FROM YOUR PAYCHECK • Get paid up to 2 days early.+ • Overdraft protection up to $200.** • Boost your earning potential with 1.00% APY on savings balances up to $25,000.^ ENHANCED SECURITY & CONVENIENCE • Add your card to a digital wallet for secure, convenient, and touch-free payments. • Instantly lock your card to prevent purchases. • FDIC-insured up to $250,000 per depositor. • Bank-level security and encryption. *Earn 2% cash back, up to $50, on purchases at Walmart as well as gas and drugstore purchases for the first 12 months. Cash back paid when earned. **With eligible direct deposits totaling at least $500 in the previous 31 days. ‡New customers can receive a $25 cash bonus with eligible direct deposits, totaling at least $500 in a 31-day period. Receive a $10 cash bonus after first purchase of $10 or more. Bonuses paid within 3 business days. ^Annual Percentage Yield effective as of 9/15/2022 and subject to change. 1.00% APY on balances up to $5,000 or $25,000 with eligible direct deposits totaling at least $500 in the previous 31 days. FDIC average National Deposit Rate for savings accounts as of 8/15/2022. https://www.fdic.gov/resources/bankers/national-rates/ +Direct deposit may be available up to 2 days in advance, but depends on when employer sends paycheck data. 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.