One

One is a mobile banking app that provides a comprehensive financial experience, combining payment services, banking features, and credit-building tools all in one platform. While One is not a bank, it partners with Coastal Community Bank, Member FDIC, to offer secure banking services, including FDIC insurance up to $250,000 per depositor for approved One Cash accounts. ### Key Features: - **Integrated Banking Services**: Manage your finances seamlessly with One’s easy-to-use banking tools. You can pay bills, transfer money, and monitor your accounts with just a few taps. - **Cash Back Rewards**: Earn cash back on eligible purchases through the Debit Rewards Program. Specific offers and rewards details are available directly in the app. - **High-Yield Savings**: Enjoy a competitive 5.00% annual percentage yield (APY) on your savings when you meet certain direct deposit or balance requirements, up to a total balance of $250,000. Balances exceeding this limit earn a 1.00% APY. - **Overdraft Protection**: Benefit from overdraft protection when you receive eligible direct deposits of at least $500 in the previous month. Transactions eligible for this protection are determined by One. - **Early Direct Deposit**: Access your paycheck up to two days earlier than your scheduled payday, depending on when your employer submits the payroll data. - **Credit Builder Program**: Improve your credit score by using One’s Credit Builder Program, which is available with eligible direct deposits. This program offers a structured way to build credit, although results may vary based on individual financial behavior. - **Credit Score Monitoring**: Monitor your credit score with the VantageScore® 4.0 provided by TransUnion® directly within the app. With One, you can manage your money, earn rewards, and work towards improving your credit score, all within a single, secure app.

### One Mobile Banking App - User Guide Welcome to One! This guide will help you navigate and make the most of the features available in the One mobile banking app. #### 1. **Getting Started** - **Download and Install**: Start by downloading the One app from the Google Play Store or Apple App Store. - **Sign Up**: Open the app and follow the on-screen instructions to create your One account. You’ll need to provide some basic information and verify your identity. - **Link Bank Account**: If you already have an existing bank account, you can link it to your One account for easy transfers. #### 2. **Navigating the Dashboard** - **Home Screen**: Once logged in, the home screen gives you a quick overview of your account balances, recent transactions, and available features. - **Menu**: Access all app features through the menu located at the bottom of the screen. Here, you can navigate to various sections like Accounts, Payments, Savings, and Credit Builder. #### 3. **Managing Your Accounts** - **View Balances**: On the home screen, you can easily view the balances of all your linked accounts. - **Transaction History**: Tap on an account to view recent transactions, including deposits, withdrawals, and transfers. - **Statements**: Access your account statements by selecting the specific account and navigating to the 'Statements' tab. #### 4. **Making Payments and Transfers** - **Send Money**: Use the 'Payments' section to send money to friends or family. You can send money directly to other One users or via traditional bank transfers. - **Pay Bills**: Set up bill payments through the app by adding your biller details and scheduling payments as needed. - **Transfer Between Accounts**: Move money between your One account and linked external accounts seamlessly. #### 5. **Earning and Using Rewards** - **Cash Back**: Earn cash back on eligible purchases using your One debit card. The rewards will be automatically credited to your account. - **Tracking Rewards**: Go to the 'Rewards' section to view details of your earned cash back and any ongoing promotional offers. #### 6. **Saving with One** - **High-Yield Savings**: Set up a savings account in the app and earn a high APY on your balance. To qualify for the highest rate, ensure you meet the direct deposit or balance requirements. - **Autosave**: Enable Autosave to automatically transfer a portion of your income into your savings account. Customize the percentage or amount to fit your goals. #### 7. **Building Credit** - **Credit Builder Program**: Improve your credit score with the Credit Builder feature. Sign up within the app, and use it to make on-time payments that can positively impact your credit score. - **Monitoring Your Credit Score**: Track your credit score directly in the app under the 'Credit' section. One provides regular updates and insights to help you stay informed. #### 8. **Security Features** - **Card Controls**: Use the app to lock or unlock your debit card instantly if it’s lost or stolen. - **Set Alerts**: Customize notifications for transactions, balance updates, and other important account activities. - **Two-Factor Authentication**: Enhance your account security by enabling two-factor authentication in the app settings. #### 9. **Getting Help** - **Customer Support**: If you need assistance, visit the 'Help' section in the app where you can chat with support or find answers to common questions. - **Contact Us**: For more detailed help, you can also call One customer support directly from the app. #### 10. **Updating Personal Information** - **Profile Settings**: Update your personal information, such as address or phone number, in the 'Profile' section. - **Account Preferences**: Customize your app settings, including notification preferences and security options. Thank you for choosing One! We’re here to help you take control of your finances with ease and confidence. Explore all the features and make the most of your financial journey with One.