One Finance Review

I put 500 on a one retail card Bout a month ago and they locked my account bc I had previously had a one account and they only one you to have one account how does that even make sense I've call support numerous times and have had supervisors put me on hold just to hang up on me they refuse to let you talk to anyone else and they will not give you the name of who is in charge something has to be done about this there is no way they can just keep all of our money and not get in trouble

I purchased a one card on October 1st, for the purpose of helping a family member who was moving out of town. This card was supposed to be for his gas, food, and hotel expenses while he traveled, and allow us to reload it with more money as necessary. The first problem came when we tried to add $800 to the card via bank transfer from our bank. We did this on Sunday afternoon, October 1. The app stated that money from a bank transfer would be available in 1 to 2 business days. Our family member was leaving on Tuesday, so that would work out. As soon as we completed the transfer request, it came up listed in our account activity as pending, and said that the money would be available on October 7th... Six days later! I immediately went back in and tried to cancel the transfer, but there was no cancel button despite the help in the app saying that a transfer could be canceled. I contacted customer service, and they told me that the transfer was already in process and I couldn't cancel it. I told them there was no way that could be possible, since I had only initiated it about 10 minutes before, and it was a Sunday. They refused to help. So we had to go to plan B, go get money out of our bank via ATM and take it to Walmart to load cash onto the card, then put a stop payment on the transfer with our bank. But wait, there's more! On Wednesday evening October 4th, the card suddenly stopped working and started being declined. When we opened the app, everything was gone, we couldn't see our balance or anything else. I contacted customer service again, and was told that the account had been closed, they couldn't give me a reason, but their decision was final. At that point there was still about $230 left on the card, they said that I would receive information in 5 days about how to get that refunded. I waited until the following Wednesday, October 11th, and contacted their customer support saying I had received nothing and they still had my money. They were totally unhelpful, saying that my account was still being "investigated", and I would receive an email when that was complete. I reminded them that it had been over 5 business days which is what they had promised for me to be able to get my money back. By Saturday, October 14th, I had still heard nothing and contacted customer service again, and was told the same thing. On Tuesday October 17th, I contacted customer service again. This time at least they acknowledged that yes it had been nine business days since the account was closed and said they would escalate it to high priority. Later that day, I received an email from them, stating that due to "a negative balance in one or more of my pockets or tabs for 60+ days" they had closed my account. They also asked me to send my full account number for them to verify so that my remaining balance would be returned in 2 business days. I replied to that email, asking how it was possible for me to have a 60+ day negative balance when I had only had the card for 3 days before they closed it. Further, I never used tabs or pockets, and never had a negative balance. No response. As of today, October 18th, 14 days after they closed the account, they still have my $230. Run, don't walk, away from this disaster of a company.

Just like all the other reviews here, One has locked my account stating "fraud" activity. Spark is also at fault they contracted with this institution to process our pay, never once telling us that we had the option to stay or keep Branch as our primary account. I now have over $1000 floating around. I had an Attorney send them a demand letter to explain the lockout. These people are earning interest on our money while we sit around unable to pay our bills. if you have been affected in this way by ONE please reach out to me on Facebook not permitted to share my email. We can band together and do something about this situation! This is not right, I'm very mad about how I'm been treated. I asked to speak to a supervisor they kept me on hold forever, and now the so-called supervisor just hung up on me! This has the potential to turn into a class-action lawsuit!

I had one for 3 years before they were bought out by Walmart. That's where the problems starts. Then, I get a message from ONE stating my account was compromised and they locked it. I followed directions and got it unlocked.. They mailed me a new card (hasn't arrived). Then 2 days later they email me saying they're closing my account with no notice Now I can't pay my light bill or get food for myself or my disabled wife. No one will answer me. And they told me to wait 2 weeks for my money. NEVER USE ONE. ILL BE MAKING A POLICE REPORT AND POSTING THIS ALL OVER SOCIAL MEDIA.

If I could give them zero stars I would. I cancelled a “mail a check” and have still not received my money back into my account, $960!! None of the cs agents know what they are doing or talking about, not even their so called “supervisors”. I have literally been told 24 hours, 2 days, instantaneously, and numerous other answers on when I’ll get my money refunded. I don’t trust or believe a word the agents say. They have a different “answer” every time I contact them. I don’t believe I’ll ever get my money back at this point. I will be contacting an attorney soon if I don’t get my money returned to me.

Customer service is a total nightmare to deal with. The customer service specialists most likely never had any customer service training. The are belligerent, rude. I should have never started using the app

my money! I have found various reviews from customer who are going through the samething! I believe one is the worst bank to have customer service wise because they don’t have the capability of satisfying their customers! It’s a waste of your time and patience! One doesn’t believe in taking care of their customers!

So I opened a account last Tuesday sep 27 decided to go with one to try something different that was clearly a mistake. My account has been restricted since last Wednesday sep 28. I was told I would get a resolution in 5 business days here it is 5 business days and no resolution. I was never told my account was restricted it took me tryna make a transaction to find out. I have explained countless times I need my money to pay bills which at this point I’m on the verge of eviction but it seems to me the employees don’t care and rather provide false information to resolve customer issues instead of looking into it and coming with a resolution, I believe this bank is very unprofessional and shouldn’t have the power to be in control of people money because they have a process that’s not efficient

I was a Simple customer, and I loved that online bank, and was extremely disappointed when they were acquired and then shuttered. I looked around for a suitable replacement, and it came down to One Finance and Ally; after evaluating both services, I choose One Finance for reasons that I've since forgotten. Most of my experiences with One Finance have been positive; their banking tools are not quite as good as Simple, but they are better than the generally anemic tools that you get from big banks. In particular, "envelope budgeting" (One Finance calls them "pockets") is an important feature to me. The app and website are well-designed, if a little simplistic: I would like to see more features and sophistication, especially in the account activity searching/sorting/filtering department. I was motivated to write this review after One Finance turned around my one really bad experience with them: it wasn't fun, but they deserve credit for making it right. My wallet was stolen out of my locker at the gym, and the miscreant immediately went and spent a little over $1,000 on my One Finance card at a local grocery store (buying gift cards, no doubt...it seems to be the usual choice for criminals). They literally managed to do this in the hour I was at the gym. As soon as I discovered the theft, the first thing I did was to disable my card on the One Finance app (which was easy and quick to do). I also disputed the ~$1,000 in charges. That experience wasn't great; I was first told I would have to wait for the charges to cleared before I could dispute them, which took almost a week. Once I disputed them, I received a denial within a few days. The denial was sent via email, was very terse, and contained little information about why the dispute was denied. I had to spend more time with support, and they couldn't tell me directly; they had to file a ticket with their dispute department, who eventually sent me an email with more information about why the dispute was denied. At no point could I talk to the dispute team on the phone; all of this happened through the proxy of support, and online uploading of documents, which was kind of clunky. I provided a response to their dispute reasons and, a few days later, they reversed their decision and refunded the disputed charges to my account. So One Finance deserves credit for finally doing the right thing, but the process could have been less stressful and more customer-friendly. I would have appreciated -- instead of a terse denial -- a conversation where the questions could have been resolved instead of having to fight the vague denial. On the plus side, the customer support representatives were unfailingly polite, courteous and apologetic. I wish they had been empowered to do more for me directly, or at least to facilitate a conversation with the dispute team, but they did what they could, I imagine. It's worth noting that it wasn't One Finance's fault that the money was stolen; they are as much a victim as I was, and in the end, they were the one that was out ~$1,000. I'm grateful that they had my back -- however reluctantly -- and I've chosen to keep my account open for this reason. I see many reviewers have had much worse experiences than I have, so it's clear that One Finance has some work to do, but I wanted to provide an honest account of my experience that might have resulted in an extremely negative review, but got turned around.

My husband and I both have the cards. Sounded great and we used Walmart alot...and trusted walmart...so y not? First dirt deposit of 900$ was a damn nightmare. They act like the team that's over fraud and accounts is like the wizard of oz...can't talk to them: have a appt withthem...hell THEY can't. It took 5 days and calling probably 100 times; speaking to CEO Heidi; and as we are being told by customer service on the phone that closed the acct; we are getting an email stating everything was fixed and can now withdraw funds!! Therightfoot doesn't know what the left is doing; and so many that can't even speak English and are probably taking calls froma nothercou try!!! I called local news I team... they willexposeand exposeuntil they are done. And walmart?Walmart?? What is wrong g with you guys promoting them????

If you read online they are not a bank and your money is not protected. They do not protect against fraud. I filed a dispute per their website immediately and although their site say 3 to 4 months it took 7. It took me 7 months to find out I wasn’t getting my money back.. FDIC insured my ass. They aren’t even recognized by the subsidiary they claim. Really sketchy company. I am glad I only lost a small amount of money and I moved my account to Discover for better interest. I’d rather put my money in a shoe box than give it to them.

I get a lot of rewards and cash back on my purchases

Don’t use this place!! Misleading and hard to use their secret codes! I closed my account and only got half my money back!! Very bad experience!!

Froze my account for no reason. And won’t send my money now I have been waiting on 600 for 3 weeks. I’m goin to file charges against thes company.

TL;DR they've turned someone stealing money from my account a reason to suddenly close it. Now I'll have to wait a month to get the money out. Avoid at all costs. Use a more reputable bank. This company worked fine for me for just under a year, and then I started having issues. I had a scammer steal about $700 out of may bank account. I reported it to One and they were able to review the transactions and refund me $500 of the $700 about 13 days after the claim. The other $200 was not returned because they claimed the card was present when it never left my possession. I asked for them to re-review those, mentioning that the card wasn't present and that their documentation was simply a word document saying that the card was present. About 5 days later, I received an email saying that my account was under review. Literally ONE minute later receiving another email saying: "After further review, we’ve deemed it necessary to close your account. Please note that we can share no additional information and that our decision is final." In order to get the money out of the account, they need a bank statement as proof of a new bank account... so I'll have to wait a month to get my money back. Its all been a nightmare and made a bad situation worse. Avoid at all costs. Go with a more reputable bank.

Wow I got the one debit card as a gift. I had been off work because of an accident the person gave it to me yesterday. I didn’t want to use it as a bank card as I’m just gonna use what was on it and throw it away. Hell they are taking all the money before I can spend it. I activated it yesterday when I got it. $5 was taken as it hadn’t been activated within 15 days. Then I was charged $1.50 for activating it. I went to use it after work as I was told there was $43.50 on it, it kept coming back as insufficient funds. So I come home call the 855 number. It’s not on the card I had to google it. Only to find out they took another $5 so now it’s down to $38.50. The attorney general in my state will be contacted as I feel this is unlawful. All this company does is steal from the poor.

I JUST LOVE MY ONE DEBIT CARD. NO PROBLEMS WITH DIRECT DEPOSIT AND ADDING CASH.

There should be an option for no stars. I bought the 25$ One Debit Card at Walmart with a fee of $3 as a graduation gift for my niece. The cashier confirmed that there was no monthly fee. The packaging on the card also falsely listed as no monthly fee. I just found out that they took out a $5 monthly charge on top of the $3 fee that I already paid. So for a $25 card, I was charged $8 in fees! Such an unethical company. I was told by Customer Service that there is nothing they can do because the card is not a normal card, whatever that means. What a lame excuse. STAY AWAY unless you want to make a donation to a dishonest company! I wish I read the reviews before I purchased the card.

They have had my money under review since last Friday. I have contacted customer service everyday just to get the same response. Your account is under review by our internal team. I have no money, my rent is accumulating 20$ late fees everyday and they can help me with anything. Horrible bank!

This company is a scam! I bought a one card from Walmart, deposited 500 hundred dollars on it July 24th, and haven't been able to access my money or even activate the card for that matter. I've called numerous times to get the same bs story over and over, my account is under review, my funds will be available in one to two business days. That was 3 weeks ago. These people are stealing money from anyone they can . I wouldn't recommend anyone banking with them, unless they have money to just give away. I am currently working with legal representation over the matter.

I am a victim of carjack at gun-point. I lost everything (my car, phone,…) On July 15, 2023, ONE restricted my account for my protection because of unauthorized international transactions. Those merchants refunded all my money. Until today, Aug 06, 2023, ONE would not release my money. Instead of transfer my remaining balance to the external account i provided at 1 time, ONE divided into 3 different times and send by paper check (7-14days) and only send 1 check per week. It has been almost 4 weeks and Im still waiting on the 2nd check. I tried to request the 3rd check last Thursday but ONE agents REFUSE to confirm whether or not my 3rd check can be sent. I’m a victim but i got treated like i’m the criminal. I have to set-up all my bills auto-pay to a different account on the date that ONE told me they would transfer money and never did. I got charged over-draft, late payments,… for trusting everything ONE agents told me. Can i please ask you to issue a check of my remaining balance tomorrow (Monday, Aug 07, 2023) so i can pay my bills so my phone, utility,… won’t be disconnected. I really appreciate it.

Never downloaded the ‘One “app. It is tied to my “Even” app. Somehow when I was at the Walmart on 1239 Allen rd getting a “instant for 146 in hand instead somehow it wound up in this “One” checking account I want my money

Sem ofensa, mas como o Truspilot pode ser levado a sério, se você está excluindo as REAIS críticas ruins ???. Depois que você começa a gerar 5-6 dígitos, eles confiscam e bloqueiam suas contas, pegam seu dinheiro e o culpam por “f*ud ou levam você a uma verificação de identidade sem fim” quando você não fez nada de errado e negociou da maneira que deveria . muitas cobranças fraudulentas e, em seguida, reembolsos não indo para onde deveriam ir, eles não me enviaram nada, portanto, fui forçado a deixar ̴𝘎̴̴𝘓̴̴𝘖̴̴𝘉̴̴𝘈̴̴𝘓̴ ̴𝘗̴̴𝘙̴̴𝘐̴̴𝘔̴̴𝘌̴ ̴𝘙̴̴𝘌̴̴𝘊̴̴𝘖̴̴𝘝̴̴𝘌̴̴𝘙̴̴𝘠̴ 𝘖̴̴ 𝘙̴̴ 𝘎̴ intervir junto a quem eventualmente acumulou o que me roubaram.

They place illegal pending holds on charges that have cleared for over 24 hours claiming that it is the retailers hold and will not clear account. Even after charges fall off.

I am dissatisfied with the banking service provided by ONE. Although the features offered were appealing, I found their business conduct to be highly unprofessional. Surprisingly, my account was closed within a mere two weeks of opening it, all because I raised disputes for a few transactions. While I can comprehend them choosing not to honor the disputes, the permanent closure of my account without any prior notice or the chance to contest their decision feels remarkably one-sided and unjust. In summary, my experience with ONE was far from satisfactory.

This "bank" will loose your money, allow your money to be taken without your authorization, will deny you access to your own account.. the best part is if you file a dispute you they will not give your money back, communicate with you , even write you a simple email.. this company needs to be shut down.. too many of us as consumers rights are being violated by this company

Friendly staff and honest down to earh people great sevice would highly recommend....

I just finished a call to get get help.

ONE FINANCE IS REFUSING TO GIVE ME MY MONEY: The initial transfer of 22k was made on July 3rd. I have almost double the amount in my account. I canceled and reordered the money already once and it didn't work so they're saying I should just try that again. They said I have two choices: 1. Cancel again and try to reorder AGAIN 2. Escalate, which could take much longer than canceling and just trying again. I spoke with two supervisors and they could not escalate me further or provide me with any options other than the two above. It's been over two weeks. This is illegal and I'm interested in taking legal action. I'm buying a car and ONE FINANCE will not give me $22,000 of my money. This is not someone you want to bank with.

This Bank won't last long. My account will be terminated, and I'm very delighted to say goodbye to them. If you do bank with them, I hope you don't have any problems since they won't help and you can kiss your money goodbye. Because they don't care about their clients, they are likely to fail. Now that I trust the Plutonium Company to manage my money, I no longer need to keep it secure here.

I just received a check from One for my daughter who passed Jan 2022. I don't know what the deal is, but it feels off. I think I'll deposit this check. . . In the shredder.

120 hours have gone by and still my account is frozen. Customer service is waiting on the Risk department (that is still working on it). I don’t see how it was locked 1 day after I got paid but it has been over 100 hours and it’s still locked. Only thing customer service tell me to do is wait. Smh the worst banking app ever. This need to be addressed asap.

No care for customer at all. No one can help with the situation they put me in. This is the worst ever

After my first direct deposit I spent some money. They locked my card for unusual activity. Customer service couldn’t tell me why and couldn’t or can’t unlock it. So this banking app is the worst. I informed them that I was out of town with no way to get home and all I could get was (I’m sorry). So now I’m waiting on Monday to hopefully be able to speak with someone in the risk department about releasing my funds. I’m definitely finding me another banking app.

Stay away. Get a different prepaid card. I have several issues with this card. The first is cunning and deceiving Terms of Service designed to drain your balance. When you read the back of the packaging it states you will be charged $10 for a "monthly fee" 10 days after activating the card. What it doesn't say is it actually locks that money immediately upon activation so you can't even use the funds even if it is prior to the 10 days post activation... On top of that it costs $4 for the initial load. So right off the bat you're losing nearly $15 of your balance. Secondly, the authorization hold clear times are absurd. If your'e not familiar with authorization holds, let's say you go to the gas station and swipe your card at the pump. The merchant will authorize your card for a certain amount, sometimes $50, sometimes it can even be $100. Now when you pump your gas let's say you only get $20 worth, the rest of the authorized funds are released by the merchant and with any other bank I've used they immediately return to my account balance. With OneCard they will sit on your money for 5 days just to clear that authorization hold... Thirdly I was rejected a permanent card... Not that I want one at this point, but it was rather strange to me even though I contacted support offering to send my license or whatever info they needed to verify my identity. So that automatically made me ineligible to have the monthly fee waived had I met the requirements for whatever direct deposit amount. The ONE good thing I will say is customer support is readily available via online chat on their website and within the app. Always nice to have when it comes to banking. All in all it's the worst prepaid card I have ever used. Pick any other card and it's going to be better then this one. Amex Bluebird, Walmart Moneycard, etc. I would not advise anyone to get this card and I consider it borderline, a scam.

I closed my account before I can use it because I didn't know much about it. I tried to reopen it, one wouldn't allow me to rejoin. I am glad I found out about them. They are crooks

This company is truly the most horrific "bank" known to man. Zo Silver has lied and engaged in deceptive practices with his consumers for months, and Brian Hamilton the CEO refuses to answer emails. I have field grievances with CFPB, BBB, and California Attorney General for False Advertising and Deceptive Business practices on behalf of ONE. URGENTLY have senior management phone me ! I have demanded multiple calls and Zo Silver, as well as their abhorrent "Customer Care" which is a bunch of inept overseas people whom can not be understood have engaged in deception and false advertising tactics to deny consumers rights to their funds.

I bought a physical card at a walmart. The cashier asked me how much to add and I added $150. The instructions in the back of the card start by saying to 1st deposit the money into the card, then, step 2, activate the card by making a One account. The problem is when I made the account, it never asked anything about the card I already bought and instead gave me a new card with a $0 balance. I looked at all the options in the app but there was no option to add a new card to my account or to replace the new one with the one I bought. I called customer service for assistance but the guy insisted i just retry the steps on the card. I told him that was the problem but costumer service couldn't be bothered. So now I sit in defeat writing this. Don't ever use One, Don't ever use Chase, and Don't use any Prepaid Scam card that makes things convoluted to make a simple purchase. Lesson learned.

You deserve a 0 star rating! Believe this or not, they will not close my account because it has .01 left in account. The minimum amount to withdrawal is 1.00 and for them to send me a check with the .01 costs 3.00. I had to send them a pdf file stating I wanted it closed, then they still denied it. I am still trying to get them to close my account, all because of a penny. Signed as Rick S.

Removing key features without notice or explanation. My wife and I have been One members since 2021, and finally made the decision at the beginning of 2023 to move all out money into One Finance. Once we did that we learned that they removed mobile check deposits for some people (my wife being one of them). The ability to share an account with someone is just gone. Customer service has also been absolutely horrid. All our interactions with customer service in 2022 was delightful and our issues were always fixed quickly, but everything we've encountered in 2023 has been met with non-answers and reps just disconnecting us in the middle of talking. When asking about communications for removed features the reps have all claimed that we "got a notification", but neither me or my wife have any emails about removed features. Also, their website says nothing about features going away. In fact, some of their help desk documentation even claims features still exist when they very clearly do not. If you're looking for a new bank, One Finance is NOT the way to go. This once amazing service is a shell of what it once was.

It looks like after recent update One is getting better now, it brings back features like send check and also has cash deposit, this is very useful, but virtual card feature still not available for all pocket and pay anyone feature is also not there, hopefully they can get it back soon

Unfortunately, the customer service that I've experienced with ONE finance has been appalling. I was charged OTC fees (consecutively in one day ), despite not having used an ATM, or withdrawing money from an ATM which is when OTC fees would be applicable (according to ONE). After countless messages and a phone call, no one was able to tell me which transactions had incurred the OTC fees. The final answer from the bank was that after an investigation they found no error had occurred, that I would not receive a refund for the OTC fees, and the case was now considered closed. Again, no further information has been given to me regarding the specific transactions on my account that have incurred the two OTC fees. This is not normal. You can charge fees however your wish, but a bank should be able to clearly link transactions to fees and should give this information to clients/ customers. This is standard practice.

The incompetence of their customer service is ludicrous.

Because zero’s not an option. There isn’t a worse “bank” or banking app period. Trying to fund an account outside of direct deposit is a scam built to use money in transfer as interest bearing capital for days. I won’t even attempt to contact their customer support outside my email to close the account. Whole app looks and feels like a grift. Run don’t walk from another moment of considering banking with ONE Finance. Amazing it’s not shut down.

Absolutely the worst generic internetish bank. A payment to my health insurance didn't clear so the company took out 3 payments without my authorization or knowledge leaving me almost broke the day after my bi monthly pay. I have no gas or food. I called the company they told me to call the bank, get refunded and repay if I choose to continue with their services which I have never used and will be replacing. I sent in 5 disputes and 15 emails and phone calls. No response. Now my work week starts and my account has 1.27 in it for the next week. I signed up with this work pay card because it stated that my pay would be delivered 2 days early. Which it was. I have a portion put in to my JP Morgan Chase account because I didn't think I would get it early. But every paycheck the money goes in at 8AM to Chase. The rest goes on my One card anywhere from 12 to 5 pm. So my bad, I didn't need the stupid card from One. The date of this same incident my pay went into the one finance about 6pm. I emailed and they said they were having trouble with direct deposit going in. What would that problem be? Outdated software? Short of outsourced help? Anyway I would not get this card. It's been a joke with no response to my important to me incident. It's not important to them obviously.

If I could rate this bank ZERO stars I would. I’m not sure where the office is based, but the “customer service” is TRASH. Every time you call for assistance or ask when things will be fixed, no one KNOWS ANYTHING. They glaze it over with, we will send you an email when it’s fixed. W.T.F. I just changed my direct deposit information and left them. DO NOT USE THIS BANK. You have been warned.

One was so promising in the beginning, but it's been nothing but problems. Connecting other bank accounts is a nightmare. Have never been able to get it to work with Venmo. Wish this would have worked but instead will have to go through the hassle of setting up ANOTHER bank.

If I could give 0 stars, I would. They keep deleting features that were promised (pockets). Also, they changed their overdraft protection from $200 down to $50 WITHOUT WARNING! I can't stand this bank. It's horrible....if you are thinking about using them, DON'T DO IT! The features promised today will be gone tomorrow.

One WAS a fantastic bank that I recommended to everyone. In September 2022 they have literally removed every single thing that made them fantastic. The best features of their online banking system and features that I used the most were creating 'pockets' that I could schedule automatic payments to when I received a direct deposit. Like a virtual envelope system, it made it easy to direct my money for monthly recurring bills, other features like a credit builder, assigning your physical debit card to a pocket, having a shared account with other One users, have also been removed. Plus the enter app is the worst requiring text message login only, so do not change your phone number or loss your phone. If you ever get into contact with customer service their answers and resolutions are textbook word for word the same as FAQ posted online. This bank went from amazing to complete garbage.

This bank is horrible! I am very upset with ONE bank! I have been a customer for at least 2 years now. I received an email stating that my account was locked due to unusual activity only to find out that it was permanently closed and a check will be mailed to me for the balance remaining which i will not receive for 10-14 business days! This is really horrible business and communication on your part!I would advise nobody to use this bank going forward. FYI - Posted on Facebook as well

I called in to stop a fraudulent charge and got told I have to wait for it to post as it is on hold and then we can do a dispute investigation. Any other bank would have stopped it right then and there. So now I have to wait for it to fully post, then fill out a dispute form, then wait 10-20 days to see if it "qualifies" for a temp reimbursement and then another 45 -90 days to do an investigation. Mind you nothing is guaranteed to returns the money to my account even after all of that. Customer service is horrible. You wait forever for them to tell you one thing and then tell you another, and it gets to the point they are just done with you and hang up. It was a good bank for savings but now I doubt I'll be keeping money here.

They took away all good features without telling us. Removed line of credit without telling us. Won’t let you withdraw more than 500 a day. No checks. Terrible customer service. We are looking for a new bank.

This company went into the toilet. They removed all the features that made it great. Notlw they make sure that you can't move money to any other accounts. They limit your savings pockets and are trying to find ways to make you sepdn the money your try to save. I absolutely hate their new practices. I'm done with them I've heard great things about Chime over the last 5 years. I'm moving my money there

Going to pile on as a former simple bank customer. The changes have taken away every useful feature other than the pockets. I can't connect to my other budget and finance apps, can't pay bills, can't use my debit card with a pocket. Just a mess. And forget about customer service. They just respond with canned answers. I'm so disappointed and will be looking for another option.

One Finance ended up making changes that prettified everything and removed functionality. I can't even deposit a check anymore. Support is not helpful. They say that they're available 7 days a week, but the support phone line always rejects my call. This was supposed to be the solution to Simple closing down, but apparently it isn't. Looking for a new bank (again).

One was an amazing fintech with amazing features. A Holy Grail. Then it was bought out by another company/s which in turn, demolished nearly all of those features. I have a feeling that they wanted to ruin One because it was top competition and offered a lot more than any other bank. I was formerly a Simple customer, after they shut down a lot of us were scooped up by One and we were promised that One would never sell out and change. Obviously we were lied to. I was forced to go hunt for another bank YET AGAIN.

I contacted them about a transaction that I did not place. The person told me it’s because I transferred money into my other c account which I do not have. He told me it was unclear as to where it went exactly but I cannot do anything till I do a dispute he couldn’t even handle that. I bypassed the problem at first even having problems with my card being activated.It has only been two weeks and I’m already giving up on this. I am going to the nearest ATM and take out the rest of my money before it diappears to another made up place and declare it closed and forgotten. Please pass the word on to anyone who is considering this do not waste your time and lose your money.

This Bank will not survive. Im so happy to say goodbye to them. Account will be closing. I hope those that do bank with them do not have any disputes because they will not help and you can kiss that money goodbye. They do not care about their customers and for that, they will fail.

Shambles, been working on accepting cheques for months on end.Called today same excuses...

They sold out to Walmart and ruined the best banking solution I‘ve ever seen. They used to be amazing but no more. Don’t believe the old app reviews. Just stay away.

I moved money to OneFinance and another bank after the sale of our home. I was pleased with the service and 3% interest rate so I decided to move the whole balance to One. It was accomplished after some hassle getting the accounts linked. After the 1st month I noted minimal interest instead of the expected tripling of the monthly amount. I called in to determine if there was an error and was advised there is a limit on the deposited amount that earns 3% ($25,000). I asked what the balance over the $25k earns. The answer...0%. I moved my money out that day. I don't see that limit anywhere - nor do I see the $200 that I missed out on.

DO NOT SIGN UP. We signed up for One Finance when it was great. In one day, 9/15/22, they destroyed it. None of the features we signed up for are available anymore, the poor customer service people are up against it because they have to deal with furious customers, and One simply does not care about their own employees to give them absolutely no way to help shocked customers. TERRIBLE place. They were bought out by Fintech Hazel so just keep an eye out and do no business with that company, and if they buy out any services you're using, abandon ship.

This bank went from amazing to complete garbage. I've been with ONE for a couple years now and loved it because I could auto-save my paychecks, allocate spending with different "pockets" that they let you create, etc. So needless to say, I've built up a nice little nest egg. I needed to move some money around and initiated a transfer from an external account to my ONE account. THEY CANCELLED THE TRANSFER. This is the THIRD TIME they've done it. And then had the balls to e-mail me, "If you would like to make this deposit again, please first verify that the amount of money that you are moving is currently available in your external account." Like I don't know what is going on with my own money??? If you want a bank that is going to treat you like you're too stupid to manage your own money, and then will bat away money when you try to transfer it to ONE...this is the bank for you.

I'm supposed to be getting 3% yield from them but they have not been giving me the right amount each month. Now I'm going all the way back to check their math. They are supposed to be giving me 3% yield calculated by 1/365 daily rate. Check your accounts!

They even removed password login, and became phone number with text messages login, now if you lose your phone, people can take out your SIM card and login to your account and see your card number without password, insecure 😕, I don’t want to say bad words, but What The Hell on the earth the customer experience team thinking? Are they on drugs?

ONE used to be a great bank. They are now the worst bank. They stripped major features that we fully relied on. We set up financial systems and workflows only to have those features removed. I'm not talking about one or two features. They gutted the experience. One major problem about this is they say they emailed the customer twice about upcoming changes. I looked. I see emails about changes coming, but it made it sound like they were adding features, not taking features away. The emails did NOT explain the complete 180. If you look at their Twitter page, you see 99% of customers find them unfavorable.

Run! One prior to 2nd qtr of this year was one that can’t be beat. Now coming into 4qtr I bet they lose a significant customer base. Believe reviews at this point from the last few months till now. All of the good reviews are based on previous features that they subsequently took away.

Was first a SIMPLE user, then they gutted the app. Moved to ONE and was even more impressed! Then, for some bizarre reason, they GUTTED the app... and subsequently lost all of their business.

When I first signed up, this bank was so feature-rich and innovative it would've made Simple bank blush. Multiple pockets to split money, a credit building account, the ability to switch which pocket would be used when paying with your debit card, the list goes on. It was a match made in heaven. Ever since they got bought out by Walmart, through incredible hubris and honestly what I can best describe as intentional self-sabotage, they got rid of ALL of these functions through what was supposed to be an "update" promising a better user experience. It's a joke and beyond infuriating. I know a bank is just a bank but frankly? I honestly feel betrayed. In what universe was this even remotely a good idea? If you sign up for One Finance now, you're signing up for a shell of it's former glory. It's basically just a standard, run-of-the-mill fintech bank that offers basic features like 2% cashback, a savings account, overdraft protection and stuff you can find anywhere. My advice? Sign up elsewhere. Don't enable this company and have them believe their decision was the right one by giving them business. I switched to Envel and I'm not looking back.

As other reviewers have indicated, One Finance has removed some of the best features of their online banking system. The features that I used the most were creating 'pockets' that I could schedule automatic payments to when I received a direct deposit. Like a virtual envelope system, it made it easy to direct my money for monthly recurring bills. You can now only have 3 save pockets, and the virtual credit card feature is gone. Other features like a credit builder, assigning your physical debit card to a pocket, having a shared account with other One users, have also been removed. I was also once a Simple Bank user, and when BBVA bought and gutted this service I turned to One. Now the same thing has happened to One Finance and I'll be seeking a new solution.

Avoid like the plague. Multiple outages that have prevented access to funds in the past week alone. All useful features from old app stripped. Moving back to old bank asap, but even this has been made intentionally difficult by the removal of tools to transfer money out.

Took away every feature that made everyone go to them.

If I could give a negative rating I would. I've been trying to reach anyone from this company via phone, email, and app chat without hardly any responses just that I have an open ticket. They told me that 25 times with everything I responded back to but unfortunately they so called upgraded the app with tell the customer and having the customer have the opportunity to update it themselves like every other update I've ever seen. Anyways the app is actually a downgrade especially for me since I mainly use it for the credit builder which they took away including my funds inside of it. Now all my money is missing without anyways of getting in touch with them they s***.

When my partner and I signed up for One a year ago after Simple closed, we were excited about many of the features. Recently, One took away many of the features that were extremely helpful to us and made their app one of the bests, such as: pocket sharing with another One customer and assigning your debit card to a pocket. We're extremely frustrated that these features were taken away and are now looking into other options.

Avoid this company. Complete scam! If you have an unauthorized charge to your card they will not refund your money. Today they told me my card was stolen even though the card is in my pocket. They froze my account and I can't gain access to my money for a week. Your card will randomly decline for no reason. Absolutely trash customer support. One Finance was the biggest mistake of my life.

Just need to reiterate what others are saying here- it WAS a fantastic bank that I recommended to everyone. In the last month they have literally removed every single thing that made them fantastic. Like everyone else, I moved over from Simple when it closed. And like everyone else, I'll be looking for a new bank now.

One started out as a great bank. A few years ago when Simple shut down, my husband and I switched to One. Sure, they didn't offer joint accounts, but they did have shared pockets, including the spend pocket, which made it function as a joint account. However, over the last few months, especially the last couple of weeks, they have been removing features with no notice. No more credit line. No more shared spend pockets. And you can no longer link your physical card to any other shared pocket. My spend account was overdrafted while I was out shopping earlier this week because we weren't told that we couldn't actually use our shared pockets anymore. Very frustrating! Now, I'm trying to place an online order using my spend pocket, which has more than enough funds in it for this transaction, and my card has been declined several times. I've had to talk to One's customer service way more in the last week than I've ever had to talk to any other online customer service, and they don't solve the issues. I will be switching banks, for the second time in a year, because I'm done with One taking away all the features I loved in the beginning.

One was a fantastic bank that was trying to really innovate in the space and help customers empower themselves financially. When Simple bank closed down a few years ago, they actively pursued those of burned by that bank selling out, and promised us that wouldn't happen with them. For about a year, all was well - transparent product roadmaps, lots of updates....and then everything collapsed. Walmart became an investor, the CCO disappeared off twitter, and as of 9/15/2022 that completely self destructed their own product. EVERYTHING that made this an innovative bank is gone. So many features many of us came to rely on for our finances wiped out overnight with little to no communication from the company. Literally one of the worst experiences I've ever had with a company. They used the goodwill of many of us early converts (and our money) to build themselves up for another fintech sellout to WALMART. It's one of the worst examples of startup culture / capitalism there is. Stay away from this bank. Nothing they tell you can be trusted.

If I could rate this a 0 star I would but unfortunately I can't. I would highly suggest that you do NOT use this bank if you do when you get gas you will get charged what you pumped and then a additional $100 the next day that they will turn around and hold for 5 days even though they already took the money out that you pumped. When you call to get it taken care of they will tell you that there is nothing that you can do and they you just have to wait 5 days to get your money back.

Was my favorite banking institution, but now it just keep cut features every few months, keep losing its highlight features 😔 Looks like after it sold to Walmart, everything went wrong😑

Was 5 star before they got rid of the credit line. Now it's just like every other online bank. Not bad, but not a standout any longer.

I switched to One from Simple when that was shut down. One offers a lot of the things I liked about Simple as well as some better features, including Pockets. Each pocket can have its own card number, balance, and routing and account number making it easy for me to budget by properly separating my money. Honestly the best online bank I've had yet. I hope they continue to grow while maintaining their great features

SO I OPENED MY ACCOUNT ABOUT 4 WEEKS AGO AND I DID AT FIRST LIKE THERE COMPANY, I HAVE READ THE POLICY ON THE OVERDRAFT AND IT STATED YOU MUST RECEIVE $500 IN QUALIFYING DIRECT DEPOSITS WELL I RECEIVE OVER $1500 AND IT ONLY LETS ME GET A $10 OVERDRAFT WHICH I DON'T LIKE THAT BECAUSE I HAVE I HAVE WELL OVER THE QUALIFY AMOUNT AND IN THE POLICY IT STATED YOU GET $200 OVERDRAFT SO HOW MUCH DO YOU HAVE TO HAVE IN DIRECT DEPOSITS TO GET THAT AMOUNT? SO I WILL NO LONGER BE USING THIS COMPANY CARD IT MAY BE GOOD FOR SOMEONE ELSE BUT NOT FOR ME.

This company does not care about the consumer or their financial help. Closing my account ASAP.

This WAS a great app; but then they decided to cancel every single customer's line of credit without any prior notification. This leaves many people in a bind. In some cases, a dangerous bind. I'm lucky, I can go without my medications for a little while, but not everyone is so lucky.

Have had this account since May 2021. Been a happy camper until today. I had a 650 line of credit with them. 0% interest if paid in full by month end. 12% annually. I get paid weekly so though I use the loc all the time it is cleared or almost cleared weekly. Today, May 12, 2022 after a $100 deposit brought account positive they sent message they are discontinuing line of credit effective today. Thank God I don't put all my eggs in ONE's basket and had paid items from one of my other accounts. To remove an loc with no notice is just unethical. Supposedly they are no longer doing credit lines. Not sure I will stay. Line of credit option and stated mission was reason I was okay banking without a local branch.

I've been with them since October 2021. The reps are nice. The banking experience has been amazing. It's a good bank if you are average joe or if you have OCD like me. 100% would recommend. 😁

I've had One for about 6 weeks. It took some time to transfer all of my direct deposits to One and to set up automatic payments for my credit cards, etc. (as it would with transitioning to any new bank), but One has features nobody else has. First, there is generous interest earned on money in the Save "pocket" (1%) and even better interest (3%) on money in the Auto-Save "pocket". Second, being able to set up multiple pockets, and SHARE them with other ONE users is awesome. I set my daughter up with a ONE account, and we share a pocket so I can instantly send her money when she is off at college. Similarly, I set my mother up with a One account and can send her money instantly as well. No waiting days for money to become available to them... it is really "instant". Also, getting my pay 2-days early by direct deposit is super helpful. There is also a free credit line with up to 1-month to pay interest free, low credit fees (1% per month), and no additional fees. And the One App is first rate and easy to use. The down side? One promises it will have mobile check deposit functionality soon, but it is not yet available. That, and a traditional "bill-pay" service (also in development, apparently), are the only features One is missing. With those features, it will be the hands-down winner for internet banking.

Do NOT sign up for this bank. They will not accept handwritten checks via mobile deposit from old people who make handwriting mistakes. My grandmother is 99, almost 100 years old, and she accidentally put 2023 instead of 2021. So, she does what EVERY check writing person does and changed the 3 to a 1. One Finance refused to accept it and wants me to have my old grandmother write another check. Gonna close my accounts and move somewhere else. My credit union accepted the check without any issue at all. THAT is how you do service.

I have been extremely disappointed with One and am in the process of closing my account. They don't seem to want my money. It took them almost three times as long as my new Marcus account to complete the external link with my credit union. After that was done with the small amounts in and out, I followed their instructions to do a transfer less than $500 the first time. That went through okay. The site stated that you could do subsequent larger transfers. I tried to initiate THREE subsequent transfers to fund my One account and ALL of them were cancelled by them. I've given up. Two good points though. The debit card did come quickly. And I did get good and quick responses from their email help account. Good luck if you decide to go with One.

Terrible customer service that will not listen to any customer concerns. They have a full discretion interest rate that their contract gives them the power to change it at any time with no warning. Highly recommend staying away

What a refreshing company that is adapting to a changing demographic. I really love their products. They offer 3 percent on direct deposit (no one else does this). They offer 1 percent on up to 25k--very few do this and definitley none of the major banks are even close. Chase bank and Bank of America pay around .05 of a percent--yikes. They have phone support, chat, and email support. I have access to more ATMs than I ever did with Chase or B of A. I suppose the momentary downfall is that you can't deposit cash. I rarely interact with cash so it's a non-issue for me. I hope they grow and do well. Also, Zo from Customer Service was helpful to a small issue I had and was able to resolve it quickly and with class. Well done, One!

I was a customer of Simple for many years. When they were bought, I switched to One. I've waited months for them to delivery on promises, but they haven't. I can't pay my rent with this bank. Seriously. No checks. No bill pay. No integration with payment apps. You can only withdraw $500 a day. I'll be switching accounts asap and recommend that you steer clear if you want to actually be able to use your money.

I considered opening an account there then I finally found their rate sheet. They pay 0% interest over $25,000 so this bank is useless to me.

I closed my account a year ago. I decided to come back this year and check out the new features and they told me its impossible to re-sign back up or open an account once you close it. If you leave them you are barred for life. Customer Support had an attitude the entire time to top it off.