One – Mobile Banking vs Spruce – Mobile banking Usage & Stats

Pay, bank & build credit. One is a financial technology company, not a bank. Banking services provided by Coastal Community Bank, Member FDIC. Approved One Cash accounts are FDIC insured up to $250,000 per depositor. One card is issued by Coastal Community Bank pursuant to licensing by Mastercard® International. *Sign up for first deal. Claim cash with a One Cash Account only. Deals expire. See terms at one.app/one-pay-terms. †Cash back can be earned through the Debit Rewards Program. Individual offer details can be found in the One app. See terms at one.app/rewards-terms. ‡To receive 3% cash back, eligible customers (at the time their purchase settles) must (a) have received $500 or more of eligible direct deposits in the previous month, or (b) have a total account balance of $5,000 or more. 3% cash back is limited to up to $50 per year and applies only to purchases made at U.S. Walmart locations and on Walmart.com. This promotion may not be combined with other One promotions that offer cash back on purchases at Walmart. See terms at one.app/rewards-terms. Δ3.75% annual percentage yield (APY) applies to the Savings balance of One Cash customers who either (i) received $500 or more of Direct Deposits in the previous month or (ii) have a total daily account balance of $5,000 or more. 3.75% APY is also earned on Pay Autosave and ONE@Work Save balances without these deposit or balance requirements. In all instances, 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. **With eligible direct deposits totaling at least $500 in the previous month. Must be 18 or older to receive overdraft protection. Overdraft balance is due right away. Transactions eligible for overdraft protection are determined by One. ʌDirect deposit may be available up to 2 days in advance, but depends on when your employer sends paycheck data. +Use of the Credit Builder Program does not guarantee that your credit score will improve. Credit score improvement is dependent on your specific circumstances and a variety of factors, including your financial behavior. Failure to make monthly minimum payments on time may negatively impact your credit score. Credit Builder is available when you bank through One and have eligible direct deposits totaling at least $500 in the previous month. All Credit Builder Programs are subject to approval. OneProgress Services LLC, NMLS ID 2460509. See Licenses page on one.app for state disclosures. One is not a credit repair service and does not remove negative credit history from your credit profile. Based on a 12 month loan with $25 monthly payments and a 0% APR. You can choose how much you’d like to contribute towards your monthly payment, with a minimum of $1. If you choose an amount less than the full monthly payment, the remainder will be paid from the loan proceeds held in your Credit Builder lockbox. ◊The credit score provided by One is your VantageScore® 4.0 by TransUnion® and may not be the credit score model used by your lender. Lenders use a variety of different types of credit scores to make lending decisions. ∞Global transfers may not be available to all One customers. © Copyright 2024 One Finance, Inc. All third party products, names, logos, and brands are the trademarks or registered trademarks and property of their respective owners. Use of them herein is for identification purposes only and does not imply any ownership, affiliation, or endorsement. To see terms and conditions relating to One's products, visit www.one.app/terms. P.O. BOX 513717 Los Angeles, CA 90051

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Spruce – Mobile banking

Spruce is a mobile banking app that offers financial tools to help you manage your money. Take care of your daily finances with a Spruce Spending account while budgeting for long-term goals with a Savings account. Whatever your financial goals, Spruce is here to help you build a better relationship with your money. Be sure to check out our latest feature: high-yield savings! Opt in to earn 3.50% APY* on your Spruce Savings account today. With your very own Spruce accounts, you can also enjoy: No sign-up fees No monthly fees No minimum balance requirements No credit check Become a saver! You don’t have to sacrifice what you love to save—set a Saving Goal in Spruce and use automated deposits to make it even easier to reach your goal. Then, opt in to make your money work even harder for you with 3.50% APY*. Sit back and let Spruce categorize your transactions for you, then use the Watchlist feature to keep an eye on the categories that matter most. Watchlist not only helps you keep track of spending but also allows you to set monthly income goals to help you stay ahead each month. QUICK START TIPS 1. Download the Spruce mobile banking app. 2. Create a super secure password with at least 8 characters. 3. Sign up for your Spruce Spending and Savings accounts. 4. Explore the Spruce navigation menu: ---My Life. See a snapshot of your balances and recent transactions. ---Spending. Review your debit and deposit transactions. ---Move Money. Move money between accounts. ---Saving. Create Saving Goals, turn on Round Ups, and opt in to earn 3.50% APY*. ---Credit. Check your credit score and learn more about improving your credit. DISCLAIMERS Spruce is a financial technology platform built by H&R Block, which is not a bank. Spruce℠ Spending and Savings Accounts are established at, and the Spruce debit card is issued by, Pathward, N.A., Member FDIC, pursuant to license by Mastercard®. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. * The Annual Percentage Yield (APY) is accurate as of 11/15/2024. This rate is variable and can change without notice. Fees may reduce earnings. To start earning interest on your Spruce Savings Account, simply opt in through the Spruce app or at sprucemoney.com.   ∞ Funds are FDIC insured, subject to applicable limitations and restrictions, when we receive the funds deposited to your account. # Spruce Rewards are powered by Dosh. Cash back offers and amounts may vary by user, merchant location and offer period. Check the Spruce app for offer availability. Cash back earned by qualifying purchases will be deposited in your Spruce Savings Account. See Spruce Rewards powered by Dosh Terms for details. ^ Spruce℠ ± Credit score is FICO® Score 8 based on Experian data. Your lender or insurer may use a different FICO Score than FICO Score 8, or another type of credit score altogether. FICO® is a trademark of Fair Isaac Corporation. This is a separate service from your Spruce bank accounts, provided by Pathward, N.A. ~ Courtesy Coverage only available for purchase transactions, ATM withdrawals, and over-the-counter withdrawals using your debit card. It is a discretionary courtesy, not an extension of credit. Requires opt in and $200 in qualifying deposits over prior 35-day period. Negative balances are limited to $20 and must be repaid within 30 days. See Spending Account Agreement for details. ≠ Early access depends on when payment is submitted. Funds are generally made available when payment instruction is received, which may be earlier than scheduled payment date.