One – Mobile Banking 4+

Pockets are neat

I’ve had this account for a few weeks. I’ve only used it for a few purchases. It takes 5 business days for transfers from other banks to show up. The auto-save feature that rounds up your change from your purchases happens the day after you make the purchase, not automatically when you make the purchase. Every single time I open the app, I have to enter my full email address in addition to my password. I like on Chime app where I just enter my pin to open the app. Entering this app takes a few steps, first I have to tell them I don’t want to enable Face ID log-in, every single time. Then tap “log in”. Then wait for the website to load to enter my full email address and password. There is no remembering my email or my preference to not use Face ID. This is a little annoying especially because I’m accessing the app frequently to see if my transfers have finalized. I did like that I was able to add a digital card to my virtual wallet as soon as I opened the acct. The physical card took 3 weeks to come in the mail.

Update: April 2022. Thank you for making logging in more simple! I love this app and service!

One trick

Nothing takes up unnecessary space more than a program that does one trick. So I was anxious to get same day pay from spark but I wasn’t invited into the one program. So after doing research I read about one program and I instantly created an account so I can be prepared when it’s available in my region. I didn’t have much choice considering there is no landing page options other than login and sign up. There is no faq page, no help center, no contact us, etc. almost instantly after creating my one account I receive a spark invite with instructions saying use the same login credentials as spark and the link in my email. I didn’t use my spark email for my one account and I used my phone number. So when I pressed the link it automatically integrated to an account I never opened. So I try and resolve the issue by asking customer service to delete my account so that I can go through the link and the integration can be effective. Initially customer service did not fully honor my request because when I tried to create a new account my phone number was still occupied. They then narrated the account is inactive but I can still login for statements. So I requested to delete my data in effort to free up my phone number. So it was done and yet I started getting rejected to create a new account. Customer service explained that at this moment they are unable to reinstate closed accounts and create new accounts for customers. How completely useless.

Developer Response ,

We sincerely apologize for the troubles you're experiencing with the app. We'd be happy to take a look into this for you, please contact us at support@one.app. Thank you!

$15 credit is a Lie. Dishonest. Fraudulent. Bait and Switch.

I have WalMart In Home delivery. Every week when I place my order I see the little box that says if you open a ONE pay account you can get $15 back on your first purchase AT Walmart and more cash back as you use it. Well, if I’m ordering weekly, why not get cash back? I download the app and begin trying to look for fine print. What is the app? Does it affect my credit? What security does it have? How do you get the cash back?

NOTHING. There is nothing to describe what it is and how it works and where your cash credit goes and how to access it. Because of my Walmart account, I didn��t have to provide almost any info before it’s saying I have a new account and Congrats!! I just earned $15. I go to place an order and I should have $15 credit, correct? WRONG YOU ARE. I have to open a DEBIT CARD to get this, and wouldn’t you know when I chatted with an associate online it stated I had already applied for one? How? I didn’t consent to open a financial account with them? There was no terms and conditions explained let alone a box to check to state I understood them.

Do better Walmart. Every time I have any online theft of a card number, guess where the fraud charges have come from? Walmart. So why would I want to use your financial app when this is how you interact with people? You make false promises, sell the lie, get their information and they waste time and resources to fix YOUR issue.

Developer Response ,

Thank you so much for leaving a review. Apologies for the issues you are experiencing! Our customers' experience with an app is very important to us. Can you please reach out to us at socialsupport@one.app and include the user name attached to your review so we can assist? Thank you!