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OnePay
onepay.comSummary
OnePay is a financial technology company offering mobile banking services, including a debit card, early direct deposit, and high-yield savings accounts. They also provide features like credit building and rewards for shopping at Walmart.
Feature Matches4/12
See all4/12
Must Have
2 of 5
Prepaid Debit Card (Cash App Card)
Early Direct Deposit
Instant P2P Transfers
Commission-Free Stock Trading
Bitcoin Trading
Other
2 of 7
Fraud Monitoring & Security
High-Yield Savings
Round-Up Savings
Pay Over Time (Afterpay)
Instant Discounts & Offers
Customizable Card Designs
ATM Access & Fee Reimbursement
PricingFreemium
See allFreemium
OnePay Cash
$0.00 monthly
- Mobile banking
- Early direct deposit (up to 2 days early)
- High-yield savings (1.00% APY on all balances)
- Debit rewards (1 point per $10 spent at Walmart)
- Free credit score access
- OnePay Wallet for earning points
- Lower APY on savings compared to Cash+
- ATM fees apply for out-of-network ATMs
- Barcode cash withdrawal fee at Walmart ($3)
- Mobile check deposit not free
- Overdraft protection not fee-free
- Credit Builder costs $1/month and requires Cash+ eligibility
OnePay Cash+
Custom
- 3.75% APY on Savings (up to $250,000)
- 3% cash back at Walmart (up to $150 spent per month)
- Access to Credit Builder (Credit Builder itself costs $1/month)
- Up to $200 fee-free Overdraft Protection
- Fee-free access to 55,000+ Allpoint ATMs
- Free cardless withdrawals at Walmart
- Free mobile check deposit
- Requires $500+ in Direct Deposits per month OR $5,000+ total account balance at the end of the previous month to unlock and maintain benefits.
- Credit Builder still costs $1/month.
Rationale
OnePay offers a mobile banking platform with a Mastercard debit card, early direct deposit, and high-yield savings. They also emphasize security and fraud monitoring. While they offer a digital wallet and rewards, they do not explicitly mention instant P2P transfers, commission-free stock trading, or bitcoin trading, which are core features of Cash App.
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Reddit·tech_enthusiast·2d ago·+142
I've been using Alternative A for 6 months now and it's been fantastic. The pricing is much better and the features are actually more robust than what [Product] offers.
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Hacker News·startup_founder·5d ago·+89
After struggling with [Product]'s limitations, we decided to build our own solution.
It handles edge cases much better and the API is actually documented properly.
Check it out at our site.
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Reddit·confused_buyer·Jan 28·+67
Honestly, after trying both, Competitor B wins hands down. Better customer support, cleaner interface, and they don't nickel and dime you for every feature.
Why we migrated away from [Product]
Hacker News·cto_mike·Jan 25·+234
The breaking point was when they changed their API without notice. We lost 3 days of productivity. Solution C has been rock solid for us since we switched.