Banking+ Benefits

What is Banking+?#

Banking+ is a set of additional benefits that may be available if you meet certain requirements.

How can I tell if I have Banking+ benefits?#

You will see plus (+) signs next to your Checking and Savings sections, and you can track your Banking+ status progress through the progress bar displayed in those sections.

If Banking+ is available to you, your benefits will be shown there.

Features	OnePay deposit account	Banking+
3% cash back on your monthly cash back category (Walmart, dining, or gas) (on up to $150 spent/month)² Cash back earned as points	-	✓
Access to Credit Builder Loan	-	✓
Fee-Free Overdraft ³	-	✓
Free cardless withdrawals at Walmart locations	-	✓
Mobile check deposit	-	✓
Earning 3.35% APY ¹	-	✓
Get paid up to 2 days early⁶	✓	✓
Earn rewards at some of your favorite brands	✓	✓
Put your savings on autopilot with Round-ups	✓	✓
Free cash deposits at Walmart, CVS, Dollar General, and other participating retailers ⁷	✓	✓
Free cash withdrawals at Walmart locations with your Debit Card⁷	✓	✓
Exclusive offers	-	✓
Higher Advance limits	-	✓
Priority customer support	-	✓

What are exclusive offers for customers with Banking+ benefits?#

Some offers are only available to customers with Banking+ benefits. If an offer is locked, it means you do not currently have access to it.

If you qualify for Banking+ benefits while the offer is still active, it may unlock automatically.

Do customers with Banking+ benefits get higher OnePay Advance limits?#

Customers with Banking+ benefits may have access to higher Advance limits.

Eligible customers may qualify for an Advance starting at $25, which could increase over time. Customers with Banking+ benefits may be able to access up to $400 with OnePay Advance.

Not all customers qualify for the maximum amount, and limits may change based on factors such as account history and Banking+ status.

When you request an Advance, a 3% fee applies and the amount is due right away. See the Advance terms in your app for full details.

Do customers with Banking+ benefits get priority customer support?#

Yes. Customers with Banking+ benefits are placed in a priority support queue.

This means you may be connected to a support agent sooner than in standard support queues.

How do I qualify for Banking+ benefits?#

To get Banking+, all you have to do is receive $500+ in Direct Deposits in a calendar month or have a total account balance of $5,000+ at the end of the previous month.

Once I meet the requirements for Banking+, when will I start receiving the benefits?#

The timing of when you receive Banking+ benefits depends on how you unlock these benefits:

If you receive $500 or more in Direct Deposits in a calendar month, you will unlock Banking+ benefits for the rest of that month and the following month.
If you have a total account balance of $5,000 or more at the end of the previous month, you will start receiving Banking+ benefits on the first day of the next month.

What does OnePay consider a Direct Deposit?#

A Direct Deposit can be any of the following:

Paychecks from an employer
Spark Driver earnings
Gig platform payments like Uber, Lyft, DoorDash
@Work Instapay payments
@Work Save contributions
Social security income
Government salary
Recurring government payments such as annuities
Retirement payments
Unemployment payments

Payments or transfers through person-to-person providers such as Venmo, PayPal or Cash App are not considered a Direct Deposit. Cash deposits, mobile check deposits, wire transfers, One to One transfers, and ACH funding or debit card funding transfers initiated from the OnePay app also do not qualify as Direct Deposits. ACH micro deposits (under $1) will also not be counted as Direct Deposits.

Why can I see an offer but not use it?#

Some offers are only available to customers with Banking+ benefits.

If you do not currently have Banking+, these offers may appear locked or blurred in your app.

3.35% annual percentage yield (APY) applies to the Savings balance of OnePay deposit accounts that have either (i) received $500+ of Direct Deposits in the current or previous month or (ii) have a balance of $5,000+ at the end of the previous month. 3.35% APY is also earned on Pay Autosave and @Work Save balances without deposit or balance requirements. 3.35% APY is limited to a total Savings balance of up to $250,000. All other Savings balances will earn 1.00% APY. APYs are as of 4/13/2026, but may change at any time before or after account opening.
Only available to customers who either (i) received $500+ in direct deposits or (ii) had a total balance of $5,000+ at the end of the previous month. Cash back is earned as OnePay Points, redeemable into a OnePay deposit account or other available options. You must select your cash back category in the OnePay app monthly and you begin earning on the date it is selected. Eligible purchases are based on MCC. Individual reward details can be found in the OnePay app. For certain reward offers utilizing the OnePay CashRewards Card, and third-party cards linked in the OnePay Wallet, purchases must be made using the physical card. See OnePay Rewards Terms.
Fee-Free Overdraft is available to OnePay deposit accounts that have either (i) received Direct Deposits totaling $500+ in the current or previous month, or (ii) have a balance of $5,000+ at the end of the previous month. You must be 18 or older. When on, Savings Backup will be used before Fee-Free Overdraft. Overdraft balance is due right away. Eligible transactions are at the discretion of OnePay and may exclude certain transactions (e.g., bill pay, global transfers). See details.
For all other ATM transactions the Cash Out fee will apply and third-party ATM fees may be incurred.
Barcode withdrawals are free with OnePay deposit accounts that have either (i) received Direct Deposits totaling $500+ in the current or previous month, or (ii) have a balance of $5,000+ at the end of the previous month. For all other accounts, the $3 Cash Out fee applies.
Direct deposit required. Funds may be available up to 2 days in advance, depending on when your employer sends paycheck data.
Only applies to deposits and withdrawals with a OnePay debit or Builder Card, made at Walmart Money Centers, cashiers, or Customer Service desks.