ONE – Mobile Banking Reviews

I was a die-hard Simple user. I loved my bank, and it was easy for me to refer to Simple like someone would refer to an old friend - not a bank, where most of the things you have to say tend to be negative or anxiety producing. When it was announced that they were closing, it felt like my old friend was dying. Honestly, it cut WAY too deep! Simple helped me figure out my finances all the way back in college, and now, close to 10 years later, their closing seemed to hit at the worst possible time. (Not like there was a “good” time for your friend to die 🥲)
All of that said, I moved to this app once it was announced Simple would close. They caught me with their FAQ page dedicated to Simple users, and honestly, they’ve improved ONE in so many ways since I originally transitioned that I firmly believe that this app is a better bank now than Simple was at the end of its life. My money feels effortless, the credit lines and credit score features are something Simple never offered, and my money is doing better than ever. My finances are doing better than ever. this app took some user feedback from Simple users to add certain Simple-esque features but it didn’t lose its individuality in the process. It improved upon itself, and quickly, at that. It never became Simple, it became a better this app Finance. Protect this app at all costs, I never want to use another bank. ❤️

I had a checking account with Wells Fargo. They eliminated all overdraft line of credit for all customers - new and current. this app finance gave me a generous overdraft line of credit ($800) after about 2 months of consistent paycheck deposit. I received my paycheck a day early and so far I have not paid a single fees to this app Finance (Unlike traditional banks such as Wells Fargo that charges you a fee every chance they get). The debit card works perfectly fine (and without any fees) at AllPoints ATMs. The “pocket” feature is super useful. You can easily categorize your money and expenses and keep them separate. The only downside of this app finance is the lack of any physical branch. But if you are like me who doesn’t even remember the last time you needed to step into a bank branch, this app Finance would be perfect. Also it is worth noting that their support seem to be outsourced but that it outweighed by other benefits you get. As this app Finance marketshare grows, they might turn into a more traditional corporation with all the bads that come with it since the ultimate goal of any company is to make money. But until then, I’ll stick to this app Finance for now. I transferred my savings to this app Finance from Wells Fargo and the interests at so much better here. I will never go back to any big 4 bank again.

This is my first review on ONE Store & felt like this was needed. this app Finance deserves some more recognition as the UI & Customer Service is very top tier. The UI of the site, app, & design elements used on PDF’s, Logos, Transaction Logos, Debit Card, etc. really caught my attention as it’s designed very minimal & pleasant. The Auto Save pocket is 3% APY & is probably the most i’ve seen on the market. Save is sitting at 1% APY which is the usual norm. Good to have both pockets with different features & the ability to share pockets with others is very cool. Some people can be denied this bank so it is good to share pockets with people for business, family, or bills but peer to peer payments isn’t ideal. Check Deposits & Pay Anyone feature is all that this is missing & think it should be rolled out ASAP & be a high priority. Lastly if there was a way to send money instantly to any bank with Zelle or another friend who banks at this app without sharing a pocket would definitely set this bank above 99% & consumers would agree with exactly what I’m saying.

I've heard such great things about this app and someone I know uses it and really likes it. I was attracted to it due to the combination of features this app has which is hard to find. After thorough research of like services I have found that only this app offers multiple pockets (or similar), credit building, overdraft protection, round ups and more. I couldn't find this app that has all of these features except for this app. I was really looking forward to starting an account and currently have a Wells Fargo account and three credit cards, my credit isn't terrible and yet somehow my application was declined. I'm not sure if it was due to something being reported that I'm not aware of or in some fault in the verification process but it's super frustrating getting a generic email from support telling me they can't tell me why. It makes absolutely no sense. I didn't have this much trouble opening accounts elsewhere, I mean actual banks like Bank of America and Wells Fargo made the application process easy and more personable. I am really torn because I'd still like to open an account and would really like some resolve. I don't want to turn to another service with less features just because of application issues. I wish someone would help me figure out what I can do to get through the application process successfully.

this app is a complete fraudulent company . I had to transfer money from chime to my this app account cuz I lost my chime debit card . The money was about $3,300 and in the next couple of I woke up seeing transaction notification from this app showing my card was used and I had nothing left in my account , I tried logging into my account and it seems I was locked out . I was able to make password reset so I got onto the account but most of the features on app was limited Including seeing my balance and transaction. I was surprised and I had to contact support and the said my account was under closure . WOW. After loosing $3,300 they are closing my account so I had to file a dispute over my money and it took 30days thinking I was gonna have my money back . They didn’t and this was they said ‘ “ This letter is to inform you that we have made a final determination regarding the above noted claim dated December 27, 2021. Based on our investigation, we do not find that an error has occurred. Therefore, no funds will be credited to your account as a result of your claim and this matter is considered closed. You may request a copy of the documents we used in determining the final outcome of the investigation.” I requested fa copy of document and yet still I haven’t received a reply from them .

I'm going to give this app 5 stars because of their ability and willingness to quickly implement customer feedback.

I love having each bill/merchant assigned its own pocket. It's perfect for fraud protection and to stop possible overdrafts if I'm double charged. The addition of virtual cards for every pocket is awesome. This set to allows me to budget down to the exact penny (a virtual cash envelope system).

I adore my credit line. It is now higher than any of my credit card debt. Why is that awesome? As I pay off my credit card debt (woo!) I know I'll have a 0% loan and then 1% every month after (12% APR). That's HALF my credit card interest rates.

No worries on the credit card debt. I'm on a debt free journey and my pocket set up with this app has eliminated me from making extra swipes just because. I have a "Frivolous" pocket that gets funded after all my bill pockets are filled.

What I'd love to see? More automation in the budget. I'd love to say these are my fixed expenses and this app do the calculation for each payday contribution. I'd really love a Goals feature. "I need $15,000 by Dec 2023" and this app calculate the amount per paycheck and set aside the funds.

I'd also love more built in budget features like: how much am I spending on categories (pet, restaurant, automotive)

Hopefully those things will come. That would truly make this app the only bank, only ap, & only card in my wallet/phone.

I originally used Chime. For a whole year I loved it then they told me because I wasn’t primary on my (married filed joint) tax return they would not take it into my account as if I had no right to our refund. So I closed the account & was terrified I wouldn’t find a better bank but boy was I wrong!! I see the “check deposit” & “pay people” options are pending but I like that y’all have the “share” options so I don’t need to pay my husband or vice versa to share an account. It’s like an optional joint account and we just add money for the other person as needed!! && I love I can create other pockets so if my family adds accounts we can do a full save for a large family vacation no hassles of keeping up with cash to make sure we all contribute.

It would be my main bank now but my current job only pays by check so now I have to find a mobile bank that does check deposits instead of direct deposits 🤦🏻‍♀️ I’ll be checking back though for when y’all do allow mobile check deposits!!

They knocked it out of the park with this. Mobile banking that really goes out of its way to be more convenient with more options than any competitor I've seen, and they SERIOUSLY help with saving money.

The auto-save feature is awesome! That change adds up fast and 3.0% is nothing to sneeze at. Plus 1.0% on standard savings. Plus it's all counted as checking, so you can take from your savings as much as you want with no penalties. I try not to, but I know what it's like having to weigh bank fees vs billing late fees.

Their support has been very quick to help with any questions and inquiries I've thrown at them, and they've been nothing but polite. They even approved me for mobile check deposits almost immediately.

Shared pockets are too good. I love it. My fiancée and I find it incredibly helpful to spot each other money or hit each other back for bills with no wait and no hassle. Plus you can make as many pockets as you want and share any of them you want to.

The only real gripe I have is the lack of 2FA, but I see you're actively working on it anyway. Please consider making yourselves compatible with Yubikey U2F hardware tokens! I'm not gonna lie, I'd park even more money in my this app account if I felt 100% safe and this would be a fantastic way to go about it.

And you can make as many pockets as you want.

I was an early adopter of Simple, but eventually drifted away as my financial reds expanded. I was SO excited to see this new mobile banking service from the same team (presumably, at least) — the thing I’d missed *most* when I left Simple was the automated savings: between “Goals” and the “Safe-to-Spend” balance, it made it truly effortless for someone like myself (historically bad at saving money) to keep atop my expenses. So far it seems this app is going to replicate much of what made Simple so special, but bring in some more of the flexibility people want more & more from their mobile money management services.

Hopefully support will be added soon for the new iOS 14 widgets! I’d love to have my Spend balance available at a glance alongside the other financial information I keep readily available already (in this case, investment metrics from Acorns, PayPal, and the built-in Stocks app). Loving everything so far though — looking forward to seeing this app grow from here!

Let me start off by saying wow this is this app of the most amazing platforms I have ever used it’s simple and efficient. It really takes the hassle out of traditional banking it’s a great app and company the current banking industry is failing. Its time for a change by putting the users as the head of there financial goals and dreams. I had struggled with most banks saying they would do things and not delivering on those promises that is not the case with this app finance. In fact they are the only ones so far that have actually delivered on what they say. I have received nothing but outstanding customer service from Courtney and anytime I had a question about switching to this app she helped me every step of the way. As a person who really wanted a change of financial lifestyle I looked into this app by coincidence and I’m glad I did download now you won’t be disappointed.

No other app or bank has managed to get me to save like this app has. The 3% APR on their auto-save makes me not want to withdraw from it and now I’m just watching it grow 🤑.

I moved part of my paycheck because of the auto save but then this app started giving me a credit line! I had a trip coming up so the line came in super handy when making payments for the group and being able to cover my credit cards. this app doesn’t charge interest on the credit line unless you owe for more than a month, so it is a great tool for unexpected or large expenses. No fees AND my savings are still growing at 3% APT AND I have access to $2,500 for unexpected expenses without fees.

Only reason I don’t have my whole paycheck here is because I need Zelle, otherwise I would only use this app as my main bank.

This isn’t the company or apps fault directly because they state it’s coming soon but for the modern age today. You need to have the mobile check deposit feature working. My company I work for does not offer direct deposit so I’m stuck with hard checks. When I make a debit transaction it must be instant and not take several days to deduct from my this app account. That’s drives me crazy which has caused me to leave other banks and mobile banks for that matter. I don’t have over draft issues but once again for the modern age. If there is a situation which causes an over draft. There absolutely should not “ever” be fees. Free atms everywhere no matter what. These basics should be applied to make a good foundation and a good experience for your customers. Not just......ok. I will keep this bank for awhile and look forward to future updates to see where it goes. Thank you

Absolutely love this app. After trying every other fintech and major banking app out there (Chime, Varo, Point, Current, Lili, Dave, Simple, Empower, Oxygen, N26, etc). Their customer support is fast via chat or phone and addressed my questions. I’ve connected my direct deposit and receive my paycheck up to two days earlier than with Wells Fargo. I love the pockets idea as I easily budget and can have multiple cards for each. I recommend enabling the following two settings: Fetch Rewards as I’ve accumulated $200+ in rewards/gift cards & Auto-save 5% with 3% APY (more than most out there). Would love to see a dark mode in the future and more detailed spend visual tools to see on what categories my money is going to. Other than that very happy with this app Finance and would highly recommend it

I am a current simple customer looking for a fair replacement. I came across this app and thought that it might be the “this app” - pun intended. The thing that this app does not tell you is that you have to assign your card to a pocket in order to spend from it. This is just not acceptable. Every time I want to buy groceries, pay gas, or any other pocket, I have to change it to that pocket in order to spend from it. There is a log of future developments that say that they will allow virtual cards to be assigned to pockets.

My suggestion would be to simply have this app account number and be able to assign pockets to different transactions (like Simple). This way, you don’t have to worry about changing your card for the pocket that you’re wanting to spend from.

For now, I will just end with this. There are many things wrong with this app. The main this app that could be a dealbreaker for me is the fact that many of my auto payment bills do not recognize the pocket routing number and account number that is assigned to it. Basically, you have a different account number for each pocket. I understand the logic and concept, but it seems to be falling flat.

I am trying this bank plus ONE Goodbudget. We will see which this app works best. In the long run, I will most likely still use this app, but just not use the pocket feature. Currently, it is looking like Goodbudget is winning. I will update as/if things change.

I opened my account just days before moving. I have tried multiple times to change the address. It should be very easy to change the address in an app, right? Any app developer can do it. However, this apps fails to provide a convenient option to change your address. You have to send them a request. My first debit card went to previous address. I sent a request for change in the address and I have not received any response yet. [Cricket’s chirping]. And I am almost sure that they have sent the new debit card to last address again. I love ONE though. I just think a task like changing the address should not be a pain and should not take weeks.

The pockets are very helpful - which was the main reason why I chose to go with this bank. They really help with budgeting. Auto-save also pushes me to save more than I used to, and I’m pleased to see my savings grow every day. The only thing preventing a fifth star is the ability to search your transactions. I move money in and out of my pockets frequently, and that takes up the majority of the transaction history. I have to search every line to find a specific transaction. It would be perfect if I could filter the transactions to just outside purchases, and not my organizational tactics of moving money in and out of different pockets. Or alternatively, a search bar. Perhaps in the online version you can do these actions, but given I usually stick to my phone app, I really notice this absent feature.

Having tried every bank from Chase to Bank of America to Wells Fargo, and even small credit unions, this app has clearly demonstrated value over all others in a very short time. Big banks are only concerned about profit, normally at the expense of their customers, so it is incredibly refreshing to see a bank being transparent with their products and services. Additionally, they go out of their way to make sure customers avoid late fees and overdrafts or being taken advantage of by hidden fees or costs. They are actively encouraging sustainable and responsible spending/saving behaviors. It is heartening to see a bank look after their customers. I can’t recommend them highly enough!

This banking application is absolutely superb. Very modern, yet simple and easy to navigate, and understand interface. No fees, absolutely none. Yes that includes over-drafting, no fees or penalties for that either. Has option if you’d like to choose to do so to show your credit score in your dashboard of ONE ’s interface daily for free. They give you an instant credit line that your able to use your same debit card to switch card to pull money from credit line and switch it back at your will to pull money from your standard checking account all within ONE . The list of amenities and perks goes on no exaggerations. The big banks definitely have to worry now.

I have to say I was skeptical at first, but after using this and seeing how it is extremely easy and user-friendly it is, I am in love with ONE. I love that it’s attached to my fetch rewards account and I can earn more points. I love that it gives you the option to round up to the nearest dollar to use for a savings account. I love how there are no fees attached with it. And I never thought I would use a prepaid debit card as much as I have this this app. The only downfall I could say is that when adding money from your bank account it can take up to three days to show up in your this app account.

I have to say this bank has surprised me… I didn’t think it was gonna be as easy as it was but yeah pretty easy this app thing I would say … maybe change up the design of ONE it seems a little outdated but in the pro side poket line of credit or whatever they call it is great I just got an increase and it’s really helping me stay on track with bills and spending and helping me out when I’m in a pinch.. maybe add a way to add cash at like 711 or Walmart or something maybe partner with western union or money granm maybe add bitcoin or stock options I would love to see this company grow… I’ll be here with you guys!

I was a little hesitant to try a new banking app out, but ever since downloading it I have found that it is so easy to use, works well with other banks, make financing/saving clear, has great interest rates, makes sharing money fun with pockets, and has an intuitive user interface that really allows you to see how your money is working for you. Really well done and I’m so happy I made the switch!

I can track my spending, saving, and borrowing in this app place. Better yet, I can create whatever new pockets I want for spending or saving, and I can name them whatever I want! Plus I can share any of them with my sister or any other this app member. So flexible! The this app app saves me so much time and makes it easy to manage my money and meet my goals.

This is the first bank Ive ever had where there weren't insane fees or tons of fine print around a checking, savings, sharing and borrowing account. Opening up my account took zero time and I got my card in less than a few days. Super easy to use, super high APY on savings, and I know Im getting the best support!

ONE is extremely easy to use. Signing up was very smooth. What’s cool is you can share money with your significant other quickly, and when you deposit your paycheck you earn 3% interest in auto-save! So far, excellent experience and great customer support.

ONE is easy to use even for a technology-challenged guy like me. Really like all that I’m able to do with it (transfer $, track spending, etc). There’s no need for a tutorial of any kind - just download ONE and play around with it for 5 minutes and you’ll have it all figured out.

Bank products are far too complicated to set up and don’t usually integrate well with this app another. this app built a banking product that gives me all the features I want in this app place. I can’t wait to see what else they build as they grow!

this app account for everything- so simple! The different pockets help me easily keep track of my finances. I also love that I can point the card to instantly work with any pocket!! This is what banking should be!

I have so many banking accounts open and when I heard about this app I thought it was too good to be true. this app does a great at incorporating all your financial needs into this app service!

Makes it easy to manage “pockets”, transfer money, and work with my bank card. It’s fast and works great. Looking forward to what features they add next, but a great banking app already.

On the waitlist hopefully off soon :)

Will give an update when I am.

So far app looks amazing and the features that they’re offering look amazing!

Wish more banking apps thought like this. Simple. With great rates on both credit and savings. And huge bonus for auto savings out of your paycheck!

Looking forward to transitioning my primary bank account to this app! Excited to start using the Autosave and Share features.

Been waiting patiently for this launch. Have read great things about this app finance and their fantastic team. Can’t wait to get started!

Super easy to understand. this app helps me and my family save money together. Great work!

Flexible, quick, easy to use. Fast to review where I stand at most any time.