OnePay Cash Digital Account Review

Who is the OnePay Cash account best for?

OnePay Cash is best for those who want a low-fee, single bank account that can do it all. The OnePay cash account is what we’d call a hybrid bank account, meaning you get checking and savings bundled together.

The OnePay Cash checking account’s main perk is the ability to create subaccounts within your Debit and Save pockets for budgeting, spending or autosaving.

However, to get the most out of the account, you’ll need to be a OnePay Cash+ customer, which requires direct deposit of at least $500 per month or holding a $5,000+ balance.

OnePay Cash account plans and cost

The OnePay Cash account doesn’t have any monthly fees, but there are different perks based on your activity with the account. You’ll get the most perks if you achieve OnePay Cash+ status, which requires direct deposit of at least $500 per month or holding a $5,000+ balance.

What we like about OnePay Cash

OnePay, formerly Even, is a fintech with banking services provided by its partner bank. Accounts are FDIC-insured through its partner bank, Coastal Community Bank, Member FDIC.

The OnePay Cash account has a decent number of perks and is completely free to open and maintain. There are no monthly, account or foreign transaction fees. But to get the most perks, consider making it your everyday account and setting up direct deposit.

Savings and budgeting

You can create an unlimited number of subaccounts within your main Debit or Save sections, which is similar to the popular envelope budgeting method. Each pocket has its own routing and account number, which lets you use specific pockets for certain bills if you’d like. You can also set up automatic transfers between pockets.

OnePay Cash also allows for savings round-ups, which round up your purchases to the nearest dollar. It automatically deposits the excess into your savings account, which can add up quickly.

Also, you can automatically move part of your paycheck into one of your save pockets to start earning interest. You’ll earn 3.35% APY on your autosave pocket even if you don’t have a daily balance of $5,000 or receive $500 in direct deposit.

OnePay Cash+ customers get the most perks

By setting up direct deposit of $500 or more each month, or maintaining a balance of at least $5,000, you’ll get everything there is to offer with the OnePay Cash account since you’ll have Cash+ status.

Cash+ perks include 3.35% APY on your total savings balance, no bill pay fees, access to mobile check deposit, cashback rewards on select Walmart purchases and free cash withdrawals at 55,000+ Allpoint ATMs.

Being a Cash+ customer also provides you overdraft protection. If your balance dips below $0, OnePay Cash has a fee-free and interest-free overdraft protection.

OnePay cashback rewards

The OnePay cashback rewards offer redeemable OnePay Points, which can be earned at multiple places. Once you have at least 25 OnePay Points, you can redeem them, and each point is redeemable for 1 cent. For example, 1,000 OnePay Points can equal $10 if redeemed for cash.

Here’s a quick breakdown on how to earn OnePay Points:

• Walmart cashback. Earn up to 3% to 5% cashback on Walmart puchases (groceries, gas, prescriptions and more). You can earn up to 3% cashback on Walmart purchases on up to $150 spent per month on a selected category if you have Cash+. Or, you can earn up to 5% cashback on select Walmart purchases if you have Walmart+.
• Other purchase. Unlimited 1.5% cash back on all other purchases.

You can redeem them OnePay Points for cash into your OnePay Cash account, or even apply them as a statement credit to your OnePay CashRewards Card or OnePay Walmart Spend Card.

OnePay Advance

If you’re a OnePay Cash+ customer, you may be eligible for advances, which are technically “overdraft” advances and not typical paycheck advances.

Amounts can range from $25 to $300, and its based on your direct deposit history. You can’t request higher limits, as they’re set automatically. The Advances are repaid automatically from your deposits into your Debit amount, and you can only request one Advance at a time.

The OnePay overdraft advances aren’t free, though. There’s a 5% fee of the Advance amount, but there are no interest or late fees.

What could be better

Some perks of being a OnePay Cash+ customer are standard on other digital accounts.

For example, to perform mobile check deposits, you must have OnePay Cash+ status. Mobile check deposit is a standard feature with nearly all modern bank apps. You must also be a OnePay Cash+ customer to get fee-free cash withdrawals at Allpoint ATMs, whereas most banks automatically offer free ATM access within their network.

Additionally, to earn the best 3.35% APY on your total savings balance, you need either a balance of $5,000 or direct deposit of $500 per month. Sure, the $500 direct deposit requirement is pretty straightforward, but it’s still a requirement. Plenty of top savings accounts with high APYs have no requirements.

The OnePay Cash account also isn’t a great fit for couples or families, as it doesn’t accept joint owners.

OnePay Cash account’s fees and access

Compare OnePay Cash to other top banking options

Compare other top banking options by fees, features and APYs. For a better side-by-side comparison, tick the Compare box on multiple providers to compare.

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What is the Finder Score?

The Finder Score crunches over 300 checking accounts from hundreds of financial institutions. It takes into account the product's monthly fees, overdraft fees, opening deposit, customer support options, ATM network and features — this gives you a simple score out of 10.

To provide a Score, Finder’s banking experts analyze hundreds of checking accounts against what we consider is the best option: no monthly fees, no overdraft fees, a large ATM network of 50,000 or more, additional features outside of typical banking services, and the optional perk of earning interest. Accounts that are nearly free to maintain and use are scored the highest, while accounts with costly fees and few features are scored the lowest.

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Customer ratings and reviews

OnePay used to have an F rating with the Better Business Bureau (BBB), but it’s now a glowing A. It also doesn’t have a lot of customer complaints, whereas most fintechs like it have thousands of negative complaints and reviews.

The fintech has received many more Trustpilot reviews in the last year, with now over 1,500 to date. Overall, it’s mixed, with about half leaving 5 stars and the other leaving just 1 star.

Unhappy customers often say deposits weren’t going through or took over a week to clear, or stating it takes a long time to hear anything from representatives or that they receive generic answers in the customer support chat.

Pleased customers often talk about the easy-to-use app, love the Walmart cashback rewards, some mention the cash advance service and how simple it is, and how it’s generally a good banking app if you’re a regular Walmart customer.

On Reddit, most threads talk highly of OnePay. Many customers are very pleased with the account, and many Redditors say they switched from Simple to OnePay Cash. Users praise features like the pockets that allow for envelope budgeting, the overdraft service, high APYs on savings, the ability to move cash between pockets easily and the 3% cash back they can earn at Walmart.