How do I qualify for OnePay Cash+ benefits?

How do I qualify for OnePay Cash+ benefits?

To get OnePay Cash+, 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 OnePay Cash+, when will I start receiving the benefits?

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

• If you receive $500 or more in Direct Deposits in a calendar month, you will unlock OnePay Cash+ 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 OnePay Cash+ 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
• ONE@Work Instapay payments
• ONE@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.

How can I tell if I have OnePay Cash+ benefits?

You can check to see if you've unlocked OnePay Cash+ from Settings in the OnePay Cash section of the app.

	OnePay Cash	OnePay Cash+
3.75% Annual Percentage Yield (APY) on total Savings balance1		✓
3% cash back at Walmart (on up to $150 spent/month)2 Cash back earned as points		✓
Access to Credit Builder		✓
Overdraft Protection3		✓
Free cash withdrawals at 55,000+ Allpoint ATMs worldwide4		✓
Free cardless withdrawals at Walmart locations		✓
Mobile check deposit		✓
3.75% APY on Pay Autosave1	✓	✓
Get paid up to 2 days early5	✓	✓
Earn rewards at some of your favorite brands	✓	✓
Put your savings on autopilot with Round-ups	✓	✓
Free cash deposits at Walmart locations	✓	✓
Free cash withdrawals at Walmart locations with your debit card	✓	✓

1. 3.75% APY on Savings 3.75% annual percentage yield (APY) applies to the Savings balance of OnePay Cash 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. 3.75% APY is also earned on Pay Autosave and ONE@Work Save balances without deposit or balance requirements. 3.75% 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 12/20/2024, but may change at any time before or after account opening.
2. 3% Cash Back at Walmart Cash back is earned as OnePay Points, redeemable as a deposit into a OnePay Cash account pursuant to the OnePay Rewards Terms. Only applies to OnePay Cash 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. This reward applies to purchases at U.S. Walmart locations and on Walmart.com only and may not be combined with other OnePay Cash promotions for cash back at Walmart.
3. Overdraft Protection Available to OnePay Cash 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 to receive Overdraft Protection. When on, Savings Backup will be used before Overdraft Protection. Overdraft balance is due right away. Transactions eligible for Overdraft Protection are at the discretion of OnePay and may exclude certain transactions (e.g., bill pay, global transfers). See details.
4. No One fees Only applies to OnePay Cash 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 ATM transactions the OnePay ATM Fee will apply and third-party ATM fees may be incurred.
5. Get Paid Up To 2 Days Early Direct deposit required. Funds may be available up to 2 days in advance, depending on when your employer sends paycheck data.