OnePay – Mobile Banking

Meet your money super app. Through OnePay, you can bank, send, pay, spend, and borrow—plus build credit and earn cash back and rewards.

Cash back earned as OnePay Points, redeemable as a deposit into a OnePay deposit account/other available options pursuant to the OnePay Rewards Terms at onepay.com/rewards-terms For terms/conditions relating to OnePay products, onepay.com/terms For individual reward details see OnePay app. For certain reward offers utilizing OnePay Credit Cards, and 3rd-party cards linked in the OnePay Wallet, purchases must be made using the physical card

Eligible deposits requirement met when your OnePay deposit account either (i) receives Direct Deposits totaling $500+ in the current or previous month or (i) had a balance of $5,000+ at the end of the previous month

⁺Credit Builder Loans available to Banking+ customers only & require additional signup onepay.com/legal/licenses

∞Subject to credit approval. Cash back earned as points on purchases made with your OnePay CashRewards Mastercard, which can be redeemed as a statement credit, as a deposit into a OnePay account, or other available options

‡Only available to customers who unlock Banking+ with eligible deposits. You must select cash back category in the OnePay app monthly & you begin earning on the date it is selected. Eligible purchases are based on MCC

**Must be 18+. When on, Savings Backup will be used before Fee-Free Overdraft. Overdraft balance due right away. Eligible transactions are at the discretion of OnePay & may exclude certain transactions (eg, bill pay, global transfers) onepay.com/overdraft-details

◊Builder Card helps you build credit by reporting your Builder Card activity to the credit bureaus unless you opt out. Any changes to your credit score are independently determined & based on your overall financial behavior; results may vary & are not guaranteed. OnePay deposit account required. If eligible, your spending power is based on your Checking balance. Transactions using your virtual debit card are not reported. OneProgress Services LLC (NMLS ID 2460509) onepay.com/legal/licenses

^Direct deposit required. Funds availability may vary

±Offer Term: 3/21/25–9/30/26. Offer is only available to customers who began their OnePay deposit account application process directly on Walmart.com, the Walmart app, OnePay.com, the ONE@Work app, or the OnePay app, is limited to one use only & is not transferable. Applicable to purchases at U.S. Walmart locations & on Walmart.com only. Enrollment is not required. Purchases for cash substitutes, gift cards, prepaid cards, financial services (e.g. check cashing, remittance services, peer to peer transfers) & ATM withdrawals are not eligible for cash back. OnePay.com/10percent

2 05/27/2026 - 09/15/2026. Each Wednesday (from 12:00 AM–11:59 PM Pacific Time) during the Bonus Term, purchases of gas using a OnePay Reward gas offer (“Gas Offer”) can earn $1 cash back per gallon, subject to the limitations of the Gas Offer used (e.g. spend caps or gallon caps). Only purchases made on a Wednesday qualify for this Bonus. The $1 cash back through this Bonus is in addition to any cash back amount stated in the OnePay app for the Gas Offer used and any cash back earned by customers who have selected Gas as their monthly cash back category. Gas Offers are not available in New Jersey or Wisconsin. Cash back amounts and caps vary by Gas Offer and details can be found in the OnePay app. This Bonus may be modified or canceled at any time, with or without notice. Making a purchase through a Gas Offer with a OnePay CashRewards Card or third-party cards linked in the OnePay Wallet require use of a physical card.