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Bottom Line: OnePay Cash makes its case with very high savings apy up to 3.75% in Online Banking. Do your homework on fees and terms, but this one belongs on your shortlist.
Overview
Banking app & debit card with no monthly fees. Limited Time. Earn up to $300 cash back with direct deposits.¹ Terms Apply. Earn up to 3.75% APY on Savings². Earn 3% cash back at Walmart on up to $150 spent per month, with eligible deposits³.
OnePay Cash has carved out a niche in providing services in high-yield savings, cash back rewards, mobile banking, no-fee checking.
On the plus side: very high savings apy up to 3.75%, earn up to $300 cash back with direct deposits, 3% cash back at walmart with eligible deposits. The trade-offs? relatively new bank with limited track record, no physical branches for in-person service.
Key Features
- Banking app & debit card with no monthly fees
- Limited Time. Earn up to $300 cash back with direct deposits¹ Terms Apply
- Earn up to 3.75% APY on Savings²
- Earn 3% cash back at Walmart on up to $150 spent per month, with eligible deposits³
- No minimum balance requirements
- Mobile-first banking experience
- 3.75% APY savings
Rates & Fees
The rate and fee structure looks like this.
- APR range: 3.75% APY
- Fees: $0 monthly fee
Your actual rate depends on credit score, loan amount, and term length. These numbers reflect advertised ranges — your offer may differ.
Who Is This For?
OnePay Cash is geared toward those looking for high savings apy & cash back. Particularly strong for anyone in the market for high-yield savings, cash back rewards, mobile banking, no-fee checking.
This might not be the best fit if relatively new bank with limited track record is a dealbreaker for you.
Application Process
Apply through OnePay Cash’s website or platform. Response times are typically 24 hours. Have your financial documents ready to speed up the process.
How OnePay Cash Compares
OnePay Cash positions itself as a no-frills online banking option. What you lose in bells and whistles, you gain in simplicity and speed.
With a rating of 9/10, it ranks among the stronger options available.
Best For: High Savings APY & Cash Back
Response Time: 24 hours
