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Reviews (US)

One Finance Hybrid Account full review

The One Finance hybrid account is a self-explanatory type of pocket, where you have a checking and a saving account at the same place. And all of it with a high APY. Find out more with our full review!

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by Aline Augusto

Published on 11/17/2021

One Finance Hybrid Account overview

One Finance Hybrid Account full review. Source: One Youtube.
One Finance Hybrid Account full review. Source: One Youtube.

Looking for an account that features a checking and a saving account at the same place? The One Finance hybrid Account offers you that.

Also, there is no minimum deposit and no monthly service fee whatsoever.

This Account is supported by the Coastal Community Bank, so you can rely on it. 

Furthermore, it allows you to put your savings on auto-pilot, with 3% APY.

Keep reading to learn more about it.

Intro Balance Transfer APRN/A
Regular Balance Transfer APRN/A
Balance Transfer FeeN/A

How to apply One Finance hybrid Account?

The One Finance hybrid Account allows you to save money with a high APY. Check out how to apply for it now!

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How to apply One Finance hybrid Account?

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Learn how the One Finance Hybrid Account works

The One Finance Hybrid account is an account that blends checking and saving accounts in the same place.

With no credit check, you can sign in, transfer money to your One and start using it and saving. As a welcome bonus, you can earn $5.

Also, there are no fees or minimum deposits required. Plus, it features high APY if compared to other banks.

Moreover, you can customize your account as you wish by creating the Pockets that help you with financial categories.

Finally, you can build a credit history by Credit Builder, which makes on-time payments automatically.

One Finance Account advantages e disadvantages 

Find out the pros and cons! Source: Pixabay.
Find out the pros and cons! Source: Pixabay.

The One Finance features an All-in-one online account that helps you with your financial planning through the pockets feature.

Therefore, you can earn a 1% and a 3% APY if you put money on your Save Pocket and Auto-Save pocket, respectively.

Also, it includes a credit line, but note that it charges 12% APR (1% per month).

In addition, note that there is a limit on the saving pocket, as fallow:

  • $5,000 without direct deposit
  • $25,000 with direct deposit

If you exceed this limit, you won’t earn any interest in it. 

Furthermore, you can share your pockets with another person as you wish, to manage your bills and more.

Pros

  • All-in-one free online account
  • High APY (savings interest rate)
  • No fees
  • No minimum deposit required
  • Easy to manage by the Pockets feature

Cons

  • Credit line with 12% APR
  • No weekend customer service

Credit score required for the application

The One does not require any credit history for the application, so you can build your credit score.

Learn how to apply for a One Finance Account

Looking for an account that hybrids checking and saving? The One Finance hybrid account has it all. Check out now how to apply for it!

How to apply One Finance hybrid Account?

The One Finance hybrid Account allows you to save money with a high APY. Check out how to apply for it now!

Keep Reading
card

How to apply One Finance hybrid Account?

You will remain in the same website

About the author

Aline Augusto

My name is Aline Mesquita; I'm a writer here on the blog, where I write about finance in general and other subjects. I have been working with content creation for ten years. Also, I'm post-graduated in Project Management, with expertise in SEO practices. Currently, I am studying finance, market trends, and cryptocurrencies.

Reviewed by

Aline Barbosa

Senior Editor

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