Check out the latest One Finance promotions, bonuses, and offers here.
The company One Finance offers a mobile lending platform that allows for users to take short-term loans to cover unexpected expenses and urgent cash needs. One Finance gives users the ability to have greater control of their finances.
How One Finance Works
In order to manage your finances better, it is important to understand how One works. With proper understanding of One’s features, users will be better equipped to utilize One.
- Manage your money together: designate shared “Pockets” for saving, spending, or borrowing money. This feature is ideal for people who need to share money, such as roommates who split rent.
- Your One Card: After creating your “Pockets,” the parties involved can use the One Card and view their transactions in the One App.
- Auto-Save Pocket: Earn a 3% APY on your and a 1% APY on all other Save Pocket balances.
- Access to credit: One accounts includes access to credit that gives you instant approval and immediate funding. The credit feature is perfect in situations if you find yourself running into unexpectedfinancial burdens.
- No interest: There is no interest on funds that are repaid within the same month that you borrow.
- No monthly maintenance fees: A benefit of using One means that there are no minimum balance requirements, no overdraft fees, and no cash advance fees.
- FDIC-insured: You can feel safer knowing that your money is secured. One is FDIC-insured for up to $250,000 per depositor through their banking provider, Coastal Community Bank.
Current One Finance Promotions
One Finance $50 Bonus *Expired*
One Finance $50 Bonus
One Finance is offering a $50 bonus with direct deposit.
- Account Type: Checking
- Availability: Nationwide
- Direct Deposit Requirement: Yes, $250+
- Hard/Soft Pull: Soft Pull
- ChexSystem: No
- Credit Card Funding: Unknown
- Monthly Fee: None
- Early account termination fee: Unknown
- Household limit: None listed
| BMO Smart Money Checking ($300 cash bonus) | BMO Smart Advantage Checking ($300 cash bonus) |
| Bank of America ($300 bonus offer) | Chase Total Checking® ($300 bonus) |
| Fifth Third Bank Momentum® Checking ($300 bonus) | SoFi Checking and Savings ($325 bonus) |
| KeyBank Key Smart Checking ($300 bonus) | Truist Checking ($400 bonus) |
How to Earn $50 Bonus
- Claim your $50 bonus:
- Add a qualifying direct deposit of at least $250
- Earning 3.00% APY* on card Auto-Save round ups
- Earning 1.00% APY* on Save Pocket balances
- No fees or minimums and 55,000 fee-free ATMs
- World-class customer service
- There are no monthly fees.
- Annual Percentage Yield effective as of 9/1/2020 and subject to change.
- 3.00% APY available on all Auto-Save balances.
- Maximum contributions of up to $1,000 per month for paycheck Auto-Save and no maximum contribution for card Auto-Save.
- 1.00% APY available on Save balances up to $5,000, up to $25,000 with a qualifying paycheck direct deposit.
- Early Paycheck may post up to 2 days earlier than the scheduled payment date.
- Early direct deposit of a paycheck depends on factors such as timing of the payer’s deposit transmission, and the type of payer transmitting the deposit.
- Learn more about what qualifies as a paycheck direct deposit here.
One Finance Up To $1,250 Sign-Up Bonus For Referrals *Expired*
One Finance Up To $1,250 Sign-Up Bonus For Referrals
This amount stated sound like very tempting but it won’t be easy to get. To earn the bonus, you must join the waitlist and make referrals to move up in position. Use our referral link below to join the waitlist today!
- What you’ll get: Up to $1,250 bonus
- Where it’s available: Nationwide
- How to earn it:
- Sign up for early access through their waitlist
- Make referrals using your personal link that will be provided
- If you make enough referrals you’ll move up in position on the waitlist
- Signup Bonuses: When the waitlist closes, positions 1-10 will get $1,250. 11-50 get $750. 51-100 get $500. 101-175 get $300. 176-250 get $150. 251-500 get $75.
One Finance Referral Bonus *Expired*
Earn $50 bonus for Signing Up
If you are not currently a One Finance member, you can sign up to earn $50 bonus after signing up. Share One with your friends and family in order to move up the waitlist and get rewarded for doing so.
- Offer expiration: Limited time offer (no stated expiration date)
- What you’ll get: $50 Bonus
- Who is eligible: New customers only
- Where it’s available: Offer available online, nationwide
- How to earn it:
- Register via this $50 One Referral Bonus Link to get started.
- Fund your new One account with a single deposit of $250 or more from a source of funds outside of One.
- Your $50 bonus credit will appear in your Spend pocket.
How to Earn Referral Bonus
- New member gets $50 for signing up with a referral link. Set up direct deposit of $250 or more.
- Referring member also gets $50 when the new member signs up and deposits $100. Limited to $500 maximum bonus (10 referrals).
- Referring member:
- You must be an existing One customer to be eligible for these promotions.
- For each promotion, there is a limit of one cash reward per customer.
- One reserves the right to change the terms of any promotion, or terminate any promotion, at any time, in its sole discretion, and without notice.
- If you do not accept the terms of these promotions, please do not participate.
- Any cash reward you receive may be considered taxable income.
- Recipients of cash rewards are responsible for any resulting federal, state, or other taxes.
- New member:
- Fund your One account with a single deposit of $100 or more and we’ll give you $20!
- You can initiate a transfer from an external bank account by linking that account to your One account.
- You can link an account by visiting the Move Money tab in the app or website.
- In order to initiate the transfer, you’ll need to first connect your external bank account. Click here to learn about how to connect your external bank account to One.
- You can also initiate a deposit from outside of One using your One account and routing numbers. Click here to learn about using your One account and routing numbers.
- One will add the $20 reward to your Spend pocket within ten business days after your funds have been successfully deposited.
- Spend with your One card, and after your first purchase completes One will add $5 to your Spend pocket.
- One will add the $5 reward within ten business days of your first card purchase completing.
One Finance 3% APY with Direct Deposit
Get up to 3% APY with Direct Deposit.
One Finance is an online fintech bank that has no fees and minimums. They are FDIC insured through its bank partner, Costal Community Bank.
- What you’ll get: 3% APY
- Where it’s available: Nationwide
- How to earn it:
- They offer two savings account interest rates:
- Get 1% APY on up to $5,000. If you have a qualifying paycheck direct deposit, the limit is $25,000.
- Get 3% APY on a separate Auto-Save account. The way it works is you designate between 1 – 10% of your paycheck to go to this account and earn the 3% interest rate. Max $1,000 per month can be added to the 3% Auto-Save account. (You can also have any purchases on the One Finance linked debit card get rounded up and deposited to the 3% account. These roundups have no limit.)
- They offer two savings account interest rates:
(Click here to learn more at One Finance)
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Bottom Line
If you’re looking to advance yourself financially, make sure to check out One Finance. We keep this post updated regularly, so if you use One Finance frequently, be sure to save this post.
Find more bank promotions here. Good offers can be found with banks like Chase Bank, TD Bank, HSBC Bank, Huntington Bank, Bank of America, and many others.
Compare their rates with the best Savings rates here, best Checking rates here, and the best CD rates here.
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