Linking accounts

How do I link an external account?

We use Plaid to connect your external bank to your ONE account to securely and easily transfer funds at your convenience. 

Connect your external bank to ONE via the following steps:

  • Open the ONE app or visit one.app
  • From the Spend tab, tap the icon of your initial in the upper left corner to access the account menu
  • Select Linked Accounts
  • Select Link a new bank account
  • You should see a popup: ONE uses Plaid to link your bank
  • Select: Get started
  • Use the search field to find your external bank and enter your login credentials for your external account to finish the process

Once connected, you will be able to transfer funds in and out of ONE at your convenience. Please be sure that any external accounts connected to your ONE account are in your name.

What kind of accounts can I link to?

You can link to any external account as long as you are listed as an account owner.  If we cannot verify your ownership of the external account, we may require additional documentation to move forward with the linking process.

Is there another way to link an account?

If you don’t see your financial institution listed within ONE via Plaid, scroll down and tap on Link with account numbers. 

Here, you will enter the account and routing numbers of your external bank. ONE will make two micro deposits of less than $1 each into your external account in 1-2 business days.

Once you see the two micro-deposits in your external account, log into ONE and follow these steps:

  • From the Spend tab, tap the icon of your initial in the upper left corner to access the account menu
  • Select Linked Accounts
  • You should see your external bank listed as pending
  • Select Verify
  • Enter the amount of the micro deposits
  • Once entered, your account will be linked

In some cases, you may need to submit extra documentation such as a recent account statement to help verify the ownership of that external account. 

After connecting your bank account, you can transfer funds into your ONE account. Transfers may take up to 5 business days to become available in your ONE account.

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