Your pay,
your way
OnePay @Work partners with leading employers to provide simple tools that help you take control of your pay — without the hassle.
When paydays and due dates don’t line up, Instapay lets you access part of your net earnings when you need it most. 1 See estimated earnings from the hours you’ve worked so you can plan ahead. With OnePay @Work, you can take control of your pay in a way that fits your life.
Tools to help you
stay on track
Instant access to your earnings
With Instapay, request a percentage of your net earnings and get your money when you need it.1 No loans or hidden interest.
Track your
earningsView hours worked and get an estimate of how much you made per shift.
Budget easily
When you connect your bank account, OnePay @Work helps you track your monthly expenses and lets you know what’s okay to spend.
Bank through OnePay to get more for your money
Earn 3% cash back
On Walmart, gas, or dining on up to $150 spent each month, with eligible deposits.2 Cash back earned as points.
No monthly fees
And no minimum balances, either.
3.35% APY on Savings
Earn in your sleep with 3.35% APY on Savings balances up to $250,000, with eligible deposits.3
Early pay
Payday’s better when it’s early. Get your money up to 2 days faster with direct deposit.4
Fee-Free Overdraft
Get up to $200 in Fee-Free Overdraft with eligible deposits.5 Plus, get Savings Backup.
Rewards at top brands
Earn OnePay Points for shopping select brands.6
Here's what customers
are saying about OnePay @Work
“This app has been a lifesaver.”
Danyelle C.
Google Play review
“Love the fact I can get money out before payday!”
Ashley B.
Google Play review
“Quick and easy to use. You can get money from your check in seconds.”
Adam E.
Google Play review
“Love it! Would choose OnePay over and over again.”
Jameka H.
Google Play review
“You are there for me when I need my money in advance.”
Raul R.
Google Play review
“Great. One of the best banking apps I've ever been a part of!”
Cameron F.
Google Play review
“I love how it tracks my bills for me.”
Jon C.
Google Play review
“Love all the benefits.”
Brittany S.
Brittany S.
“Definitely helps when I need a payday advance for tight situations!!”
Jason H.
Google Play review
Your pay, your way
OnePay is a financial technology company, not a bank. Banking services provided by Coastal Community Bank or Lead Bank, Members FDIC.
Frequently asked questions
OnePay @Work is available to members who are currently employed at a company that offers it as a benefit.
Not sure if your employer offers OnePay @Work? We recommend checking with your manager before downloading the app.
No. OnePay @Work is a free employee benefit.
Note: You can get your Instapay in seconds, for free, if your employer has configured this benefit in the app. If they have not, a small fee will apply for instant deposits. All other Instapay delivery options are free.
OnePay @Work gives you simple tools to help you take control of your pay. With OnePay @Work, you can access your earnings early with Instapay to help cover the unexpected, save for the future, and budget with confidence.
No, banking through OnePay is not required to use OnePay @Work. But you get more OnePay @Work perks when you bank through OnePay.