ONEPAY CASH DEMAND DEPOSIT ACCOUNT RATES AND FEES

Effective as of May 19, 2026

Annual Percentage Yield (“APY”) and Interest Rate:

Checking Section

0.00% APY

0.00% Interest Rate

(Non-Interest Bearing)

Savings Pockets (including Custom User-Generated Pockets)

3.35% APY







1.00% APY

3.30% Interest Rate







1.00% Interest Rate

For Plus Customers, on total Savings balances up to $250,000*





All other Savings Deposits**

Pay Autosave Pocket, Auto-Save** and @Work Save Pocket

3.35% APY




1.00% APY

3.30% Interest Rate




1.00% Interest Rate

On total Savings balances up to $250,000*




All other Savings Deposits*


* Users may only earn 3.35% APY (3.30% Interest Rate) on Savings balances (the Savings balance on the Savings Section, which is the sum of your Primary Savings Pocket, any custom user-generated savings pockets, and any Pay Autosave, Auto-Save and @Work Save Pockets) up to $250,000. Savings balances above this threshold will earn 1.00% APY (1.00% Interest Rate). For Accounts with a Savings balance over $250,000, an APY will be calculated to reflect APY tiers, which will be applied to all Savings balances. 
** Only users who had a positive Auto-Save pocket balance on August 8, 2022 and have maintained a balance in that pocket are eligible to have an Auto-Save Pocket.




Interest Rate and APY are variable and may change at any time without notice at our discretion. Interest accrues daily and is credited monthly. Interest is calculated using the daily balance method, which applies a daily periodic rate to the Pocket principal each day. Interest begins to accrue the Business Day after the Deposit Date. If an Account or Pocket is closed, we do not pay any additional interest on that Account or Pocket, including any accrued interest that has not yet been credited.

There is no minimum balance required to open an Account or Pocket or obtain the APY disclosed for each Pocket. There are no limits on the number of withdrawals per month from your Account.


Fee Schedule:

Monthly Fee

$0

Overdraft Fee

$0

OnePay Cash Out Fee

Applies to: 

  • ATM withdrawals with Debit or Builder Card (waived when card is used at Allpoint ATMs)

  • Barcode Withdraw Cash at Walmart (waived for Plus customers)

$0 (when Debit or Builder Card is used at Allpoint ATMs)


$0 (when Plus customer uses Barcode Withdraw Cash)


$3.00 (Use of ATMs may incur fees charged by the ATM providers. International ATM withdrawals may be subject to foreign transaction fees.)

Bank transfer to a linked account via Debit OCT (Instant Transfer) Fee

1.75% of the transaction amount (minimum fee of $0.25 per transaction)

OnePay Debit Card Replacement Fee

$0 (for Plus Customers)

$3.00 (for non Plus Customers)

OnePay Advance Overdraft Fee

3% of the amount of the OnePay Advance


* Allpoint Network ATM locations can be found in the OnePay App.




OnePay Retail Card Fee Supplemental Schedule:

OnePay Retail Card Purchase Fee*

$1.00

OnePay Inactivity Fee

(a one-time $12 inactivity fee if there are no transfers in or out of the account for a consecutive 60 days within the first 6 months after card purchase.)**

$12.00


* This is a one-time fee for the purchase of a OnePay Retail Card at a retail location. This fee is collected at the point of sale by the retail location and is not deducted from your Account and will not be reflected in your monthly statement or transaction history.
** OnePay Inactivity Fee is only applicable for customers who purchase a OnePay Retail Card on or after 5/13/2024. Fee not charged where prohibited by applicable law.





Your OnePay Account is FDIC-insured through our banking provider, Coastal Community Bank or Lead Bank, Member FDIC. Deposits are insured up to $250,000 per depositor.