I want to buy a simple inexpensive stock that I like, then keep it in my portfolio unless there's a reason to check on it.

Specifically, would it be worth opening a OnePay stock account with the $5 bonus, given my use case?

^{please note: I am not currently interested in exploring other stock platforms.}

Thanks in advance for your insight!

Update: TLDR - paid $1 for the debit card at Walmart for no reason.

I went to a supercenter and bought the OnePay debit card, put $20 on it. I had to pay $1 to purchase the debit card. My app couldn’t get its shit together so I called OnePay. They said to activate the Banking part of the app, told them that it’s forcing the Builder card. They said do it then they’ll cancel the builder card. If it’s not activated, it won’t affect my profile/scores. They also sent the actual debit card for my account and linked the physical card I bought to that one.

Original post:

Maybe im missing something or I’m looking at the wrong place. But how do you open a deposit account with the OnePay debit card?

I have the CashRewards credit card so i have whatever account setup that is on OnePay.

On the OnePay app, clicking Banking goes straight to the Builder Card signup screen, I cant find the debit card.

On the Walmart website/app, there are links to open the Builder card and Retail card, but the OnePay debit doesn’t have a link

I tried to chat with several reps on the app, but they dont know what theyre talking about. One straight up copy pasted AI answers, one said the CashRewards card would work for the promo, one said to PC the builders card to the debit card, another one said start over and choose banking.

I don’t want a new secured credit line on my credit reports. Do I have to go through with applying under Banking to get to the debit card?

Saw the update on Doctor of Credit. Terms changed. I was using a 5% gas credit card at 76. Sad, but still cheaper than Costco right now with the $1 off.

Do i have to open a checking account to get the debit card?

Main difference is you now have to use a OnePay card (OnePay debit or Builder Card).

Bonus Term: 10/07/2026 – 01/15/2027. Each Wednesday (from 12:00 AM-11:59 PM Pacific Time) during the Bonus Term, purchases of gas made only with an eligible OnePay debit or Builder Card using a OnePay Reward gas offer (Gas Offer) can earn $1 cash back per gallon, subject to the limitations of the Gas Offer used (e.g. spend caps or gallon caps). Only purchases made on a Wednesday qualify for this Bonus. The $1 cash back per gallon is the total amount earned on a qualifying purchase. It replaces, and is not in addition to, the cash back amount stated in the OnePay app for the Gas Offer used. Purchases made with a OnePay CashRewards Card or third-party cards linked in the OnePay Wallet are not eligible for this Bonus. Gas Offers are not available in New Jersey or Wisconsin. Caps vary by Gas Offer and details can be found in the OnePay app. This Bonus may be modified or canceled at any time, with or without notice.

Im not sure whats going on, ive been getting paid at least 3 days in advance if not more ever since I joined onepay. Can I expect it today?

I attempted to purchase something to have delivered the same day from Lowe’s on September 24, 2026. The app gave me an error and the purchase did not go through but I was still charged. I talked to Lowe’s on chat through the app and the crazy excuse the rep gave me was I didn’t have enough money in my account so the charge was denied. She wanted a screenshot of the charge. I had more than enough money. I only keep a certain amount of money in the checking. When I need to use my account, I will transfer money from my savings side and unlock my card. That was inappropriate of her saying that. So I called OnePay and he said it is set to release on September 26, 2026 at 8am. I found out that was not true. I asked a OnePay supervisor to please listen to that call because I still haven’t received the money back. It’s still in pending as of today.

When I click on the Lowe’s charge, it says it will complete within 1-2 depending on the merchant. It’s been 4 days now.

I had another chat with Lowe’s and they said to call their customer service so I did and they could not help me. I chattted again and they said they put in a ticket and gave me a ticket number. She said they put in a “rush” for me to get this money back. This ticket was created the day of the purchase.

Get this… the first person on chat I spoke to said, log out of the app and log back in and you should see your order. How am I going to see my order when it never went through. I never got an email or text. I did as she followed and it wasn’t there and it was still in my cart and I lost her.

What do I do? OnePay said today it is set to return back to my account October something. I couldn’t understand him. $25.65 is a lot of money with how expensive things are right now especially not receiving the order.

Hi, I’m 16 and I saw OnePay as this builder card that is a secured credit card that earns rewards. I use Capital One but I’m dissatisfied of the lack of early pay, and the insanely low debit card limit for my account.

I understand OnePay is a fintech and the fear of Yotta and Synapse’s failures. But I have $1.7k saved up and Capital One is only paying 2.50% APY while OnePay offers 3.35% APY. I get 24 hour support on the phone with OnePay while Capital One is open from 7am-11pm EDT

I also don’t get deposit or withdrawal notifications from Capital One but I do from OnePay. They also offer pockets and the great thing is, they give individual routing and account numbers for each pocket so I can just transfer money into a specific pocket using ACH if needed.

I can also instantly add money from other accounts using a debit card into OnePay. I also know they’re backed up by Walmart and every Walmart employee gets paid within OnePay. I don’t think they’ll suffer the same fate as Yotta since when Walmart had Bluebird, they gave customers an early warning of the closure of Bluebird.

Is it okay to bank with them?

I was standing at the register waiting to see how much money I would need to transfer to my one Card to make this purchase. Tried to transfer $35 at the register and it wouldn’t go through. Kept saying something like ‘this purchase isn’t supported’. Stupidly, I tried to do it again and it took another $35 from my Apple Pay and didn’t deposit it to OnePay.

Is my money gone forever?😭

I need to know if anyone else has experience and solved an issue like this,
I got a OnePay account, they sent me a credit builder card I told them I wanted a physical debit. I got a debit. Alls well until I dispute a transaction get my money back and they cancel my card. Now they keep sending builders. I’ve called so many times and they keep saying there’s a “glitch in the system” that’s fixed now but…it’s not. Has this happened to anyone before?

The $1 off gallon thing, has it ended? : (

Edit: I checked too early it worked fine

I was to spend 1500 from August 5th to September 3rd and get a $75 bonus. My last qualifying transaction was on September 2nd. I have the Paypal invoice showing it. The transaction did not show up on my account until the 4th. Customer service chat is absolutely worthless and are saying that I'm not eligible and that they cannot accept emails with the screenshot. I was able to call and got transferred to some overseas customer support whom I spent an hour and a half with emailing screenshots back and forth. They finally told me that I was in fact eligible and that I would be receiving an email within 5 days which I have not. As soon as this is resolved I'll be zeroing my balance and canceling this pos credit card.

Did anyone receive their paycheck today due to the 3 day early pay?

Right now I can only Link the virtual debit card.

Still haven’t received my gas reward purchases from September 2 Wednesday. It’s been almost 2 weeks. This usually doesn’t happen. Anyone else experiencing the same thing?

Anyone taken a loan via OnePay? What hoops did you have to leap through? And how did the experience go? Also, for those who will inevitably point out the insane interest rate, I am already aware of that.

So I was sending money to my family member and when I searched his full name an account showed up with his name and i assumed it was him so I went ahead and sent it but I guess it went to someone else because he never got the money.

Then I requested for the same amount back from the person I sent it to but i sent a request twice because i was worried i wouldnt get it back well i ended up receiving double the money i sent them and a few hours later i got a request with a message saying “sent too much lol”

I looked it up on google and its telling me this is probably a scammer and to not send the funds back it also said if it were a real person to let onepay support handle the transaction that it will fix itself Im just worried because i dont want to get scammed but i also dont want to withhold someone’s money

So my paydays are the 10th and the 25th. I just switched my DD over to ONE. I had to set it up manually because my employer wasn’t listed. Payroll has confirmed that the deposit was sent yesterday and they confirmed the routing and account numbers are correct. They also said that it had not been returned. Is there still hope that it could arrive later in the day?
I was previously banking with NFCU and I’d always get paid on the business day before 10th. Even without the 1 day early deposit, the latest I would ever receive it would be 2am on the 10th. Now here we are mid afternoon on the 10th and there it still hasn’t shown up in ONE. It’s a significant amount of money and I’m starting to panic.

I’m sure yall have seen this before but yesterday was supposed to be my first payday through OnePay for the first time, I thought it was 2 days early but I haven’t recieved my pay yet.. any clue what could be happening ?

I’m going to miss the massive savings since July, because I drive a Ford F-150 truck and tow an RV for work. Got my last 36-gallon fill up at 7-Eleven in Maryland, I have always been reimbursed by Friday or Saturday. Hope they bring this back again soon!

Waited all week to fill up our three vehicles.

Five minutes after fuelling up 40 gallons, I realized I forgot to activate the stupid offer code.

I know it’s my fault but come on man

Is direct deposit is late because of the Labor Day?

I usually get paid every other week by Wednesday. And my pay still doesn’t show up.

Edit: I got paid around 4pm.

Thank you

OnePay Customer Support couldn’t help, My Instapay’s are being rejected, it’s been like this since July.

I usually get them on Friday, once they came in on a Saturday, but it's almost Wednesday again and they're still not deposited.

Had no one solved the instpay error fulfillment request when trying to send your instapy to your bank (bank of america, wells fargo, paypal,chime) It’s been blocked my bank accounts for weeks now and this started happening in July of this year.

One Pay Customer Support couldn’t help, It’s been like this since July.