ONEOS works with First National Bank and in partnership with MasterCard. All banking safeguards and practices apply.
The funds in your wallet account will be FDIC-insured once your identity has been verified during the enrollment process. Your funds will be held at or transferred to XXX Bank, an FDIC-insured institution. Once there, your funds are insured up to $250,000 by the FDIC in the event XXX Bank fails, if specific deposit insurance requirements are met and your card is registered. See fdic.gov/deposit/deposits/prepaid.html for details.

No. No account or transaction fees. There are no fees for opening and holding an account. Also, there are no transaction fees on purchases or transfers in and out of the account.

Open the ONEOS app on iOS and Android and follow the on screen instructions

No. A bank account is not required to have a card.

No. Every cardholder must order their own card.

No. You must enroll with your social security number or ITIN to get a card. If you attempt to setup a account with your business tax ID # (i.e. EIN), your enrollment will be denied or you will be required to go through the manual verification process which may include, among other things, providing a copy of your social security card.

No. This is a consumer card and is not available for businesses.

Yes. We require you to provide your actual home address to get a card. If you try to order a card with a PO Box, private mailbox, or your business address, your enrollment will be denied or you will be required to go through the manual verification process which will include, among other things, providing proof of your home address.

Contact Customer Service so that we can make other arrangements to get your card to you. You will be required to go through manual verification which will include, among other things, providing proof of your home address.

Toll-Free Customer Service Phone Number: [Insert Phone Number]
International Customer Service Phone Number: [Insert Phone Number]
Email: [Insert Support Email Address]
Chat: Click the Chat option found at the bottom of our website
Mailing Address: [Insert Mailing Address]

The One Card program is only available to residents of the United States (50 states and District of Columbia) who are at least 18 years old with a verifiable social security number or ITIN and home address.

Yes, you can download the mobile app for Android here, and iOS here.

Yes. Your spouse can enroll for a separate card.

No. Each cardholder must have a verifiable home address in the United States (50 states and District of Columbia).

No. Each cardholder must have a verifiable home address in the United States (50 states and District of Columbia).

Once your enrollment is complete, your One Card account is available immediately for you to put funds into from PayPal, Venmo, Bank or Credit Card.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A CARD ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions and their third parties to obtain, verify and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Typically we will ask for the following documents, however based on the information request we reserve the right to request/require additional identifying information at our discretion.
– Selfie Photograph – A selfie photograph is a photograph of your entire face taken while you are holding your valid, Government Issued Photo ID. A selfie photograph must be taken at arm’s length when requested and for the sole purpose of uploading. It is not a photograph taken for other purposes that you have stored on your computer.
– Valid Government Issued Photo Identification, such as: Driver’s License or State ID Card. Cannot be expired, cannot be voided.

You can click on the “Forgot Username” link on My Account to retrieve your username.
Note: Our customer service agents do not have access to your username, this is the only way to retrieve it.

You can click on the “Forgot Password” link on My Account to reset your password.
Note: Our customer service agents do not have access to your password, this is the only way to reset it.

You need to contact customer service if your account is locked.

You can pay for things with your wearable everywhere Mastercard is accepted.

No. Currently, we do not allow the Routing and Account Numbers to be used to pay bills. These numbers are provided so that you can load funds to your card. A bill payment service is coming soon.

We do not charge a fee if your account goes negative. We do ask that you load your card right away if your account is negative. Your card account may be closed anytime your account goes negative. For more information please review your Cardholder Agreement.

No. We do not charge any fees when you attempt to make a purchase, whether or not that purchase is successful. You can see all our fees here.

Yes. You will need your PIN to withdraw funds at an ATM. You can withdraw cash from your account at any ATM with contactless service.

No. You only need your PIN to withdraw funds at an ATM. You will set up your PIN when you activate your account. You can change it at any time by logging into My Account, clicking on Manage Account and then clicking on PIN Change. Do not share your PIN with anyone and do not write your PIN number on your card.

You can change your PIN at any time by logging into My Account, clicking on Manage Account and then clicking on PIN Change. Do not share your PIN with anyone and do not write your PIN number on your card.

There is no fee for an in-network ATM Withdrawal if using a participating network ATM.

Yes. You can check your balance at an ATM.

Yes. The card may be used everywhere Debit Mastercard is accepted, including online. Inside the wallet select the Cash icon at the bottom. Then Select <VIEW CARD> to show your card information to make online purchases.

Yes. If you do not have enough value loaded on your Card you can instruct the merchant to charge a part of the purchase to the Card and pay the remaining amount with cash or another card. These are called “split transactions.” Some merchants do not allow cardholders to conduct split transactions. Some merchants will only allow you to do a split transaction if you pay the remaining amount in cash. If you fail to inform the merchant that you would like to complete a split transaction before swiping your Card, your Card is likely to be declined.

When making a return, you may be asked to show the cashier the card used to make the purchase. In this case just use your device to verify by tapping the payment terminal as you would a normal credit card. The value of the returned merchandise will be credited back to your wallet. Please refer to the individual merchant’s return policy. It typically takes 1-4 business days for a refund to show up in your wallet, but it may take longer. If you feel that your refund it taking too long, please contact the merchant, we do not see these transactions until the credit is received.

Yes.

NO FEES

The maximum balance or value of your card may not exceed $10,000.00 at any time. Please refer to the card limits located in the Cardholder Agreement which outline the frequency and limitations of loads in a single day or additional time period, i.e. monthly.

Please refer to the card limits located in the Cardholder Agreement  which outline the frequency and limitations of loads in a single day or additional time period, i.e. monthly.
Please note retailers may have additional limits on the minimum amount or maximum amount you may load to your Card.

Please refer to the card limits located in the Cardholder Agreement which outline the frequency and limitations of the total amount of purchases and cash withdrawals in a single day.
Please note retailers or ATM merchants may impose their own limit of the amount of funds unloaded in a single transaction or day.

Please refer to the card limits located in the Cardholder Agreement which outline the frequency and limitations of the total amount of purchases and cash withdrawals in a single day.
Please note retailers or ATM merchants may impose their own limit of the amount of funds unloaded in a single transaction or day.

Please refer to the card limits located in the Cardholder Agreement  which outline the frequency and limitations of transfers.

Please refer to the card limits located in the Cardholder Agreement which outline the frequency and limitations of transfers.

See video tutorial on ways to load funds here
You can load funds into your wallet by pressing the <LOAD MONEY> button when inside of your account balance screen. Then follow the onscreen instructions. You can load funds from PayPal, Venmo or your banks account. You can also link these accounts to your wallet so you can setup easy top-ups and experience faster transfers
You may also add funds to your card in the following methods:
• Set up Direct Deposit with your employer or benefit provider by providing your routing number and 12-digit account number
• Transfer money from your bank account to your card account by using your routing number and 12-digit account number.
• Receive Money from a Contact (another cardholder)
The maximum balance or value of your card may not exceed $10,000.00 at any time. Please refer to the card limits located in the Cardholder Agreement which outline the frequency and limitations of loads in a single day or additional time period, i.e. monthly.
Please note retailers may have additional limits on the minimum amount or maximum amount you may load to your Card in a single transaction or day.

To link your checking or savings account, first check to see if your other bank will allow you to load funds from their website, not all banks have this functionality. Some banks may charge a fee for this service. Please check with your bank to see if they will charge you a fee prior to completing the transaction. Loads take 2-3 business days.
If your bank allows you to load funds from their website you will need your One Card routing number and 12-digit account number. To obtain this information, go into your wallet and selected the money icon at the bottom tray to view balance home screen. Then select the settings <LOAD MONEY> <MOVE FROM BANK> <TRANSFER FROM BANK WEBSITE>
On your bank’s website provide your One Card routing number and 12-digit account number. When prompted, identify your One Card account as an “External Account”.
Warning: Do not use your 16-digit card number to set up a transfer. Do not try to load your One Card using a Bill Pay service as we do not accept loads this way.

No. We do not accept loads from bill pay services.

Load Cash into wallet through the application. Follow the on screen instructions

You can setup direct deposit by providing your employer or benefits provider your One Card routing number and 12-digit account number. To obtain this information, go into your wallet and selected the money icon at the bottom tray to view balance home screen. Then select the settings <LOAD MONEY> <MOVE FROM BANK> <TRANSFER FROM BANK WEBSITE> Please note that once you provide your account information to your employer, it may take 2-3 payroll cycles before this information is updated. If you have any questions about the status, please contact your employer or benefit provider as Customer Service will not have any information about this.
Faster access to funds is based on a comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds are subject to payer’s support of the feature and timing of payer’s funding.

It usually takes 2-3 business days (which does not include Saturdays, Sundays, or Federal holidays). You should check with your other bank to verify how long it will take.

No. Your linked bank account must be a personal account and you must be the account holder.

Yes, you can load funds from your PayPal account by using the One Card routing number and 12-digit account number to link your card as a bank account to PayPal.

No

No

This depends on the method used to load funds.
• Cash loads are typically available in real time. Keep your receipt until you verify that the cash was properly loaded onto your card.
• Direct Deposit from your employer or benefit provider is typically available on or before your designated payday. Get access to your money up to two days faster with Direct Deposit*
• Federal Benefits are typically available on or before the day designated by the federal agency that sent the payment. Get access to your money up to two days faster with Direct Deposit*
• Loads from a linked checking or savings account are available in 2-3 business days when initiated from your other bank’s website.
• Money received from a contact (another cardholder) is available in real time.
If you have any questions on funds availability, please Contact Customer Service.
* Faster access to funds is based on a comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds are subject to payer’s support of the feature and timing of payer’s funding.

Cardholders can contact our customer service 24 hours a day, 7 days a week, 365 days a year. Contact options include phone, email, chat, or by mail.

Toll-Free Customer Service Phone Number: [Insert Phone Number]
International Customer Service Phone Number: [Insert Phone Number]
Email: [Insert Support Email Address]
Chat: Click the Chat option found at the bottom of our website
Mailing Address: [Insert Mailing Address]

Yes. You can view and download your monthly statement by logging into your wallet and selecting the settings icon in your balance screen. Then select the button <VIEW STATEMENTS>

No. There is not a fee to Contact Customer Service

You will have access to your previous statements for at least two years.

Zero Liability means you may not be held responsible for unauthorized charges made with your card or account information. It is protection if your card is lost, stolen or fraudulently used, online or offline. Contact customer service immediately if you lose your card or notice unauthorized activity in your transaction history. More information can be found here.

Purchase protection is a feature that allows consumers to file a claim with the network on eligible damaged or stolen items for replacement, repair, or reimbursement. More information can be found here.

Cardholders traveling abroad can report cards lost or stolen or request emergency services from the card network. Restrictions apply. More information can be found here.