Spend it. Save it. Send it. Checking for every day, savings with a goal you set, cards in your hand or online — and no monthly maintenance fee.
Available today. Fees, limits and arrival times are listed on our Pricing page.
Your everyday account with its own account and routing number and a full activity history.
A separate account next to checking, with a savings goal you set and track yourself.
Create virtual cards instantly or request a physical card by mail, and freeze them at any time.
Move money between your accounts, send to other customers, or request local and international wires.
Use a virtual card online straight away, and request a physical card mailed to you.
VirtualEnter your personal details and address, and choose your account type.
Upload a photo ID and create the transfer PIN that protects your payments.
Sign in to see your account details, open savings and create virtual cards.
These are the safeguards in place today for signing in, sending money and managing your cards.
Every page is served over encrypted HTTPS.
Money only leaves your account after you approve it with your transfer PIN.
See the devices that have signed in to your account and remove any you don't recognise.
Freeze or delete a virtual card yourself, straight from your account.
We email you when money arrives in or leaves your account.
The photo ID you upload is stored privately and is never shown on public pages.
Select “Open an account”, enter your personal details and address, choose your account type, upload a photo ID and create your transfer PIN. You can then sign in and manage your account online.
No. There is no monthly maintenance fee. Some transfer types have a fee, which is listed on our Pricing page and shown again before you confirm.
Choose the transfer type, enter the details, review the summary and approve it with your PIN. Transfers between your own accounts and to other One Point customers are free. Local wires ($25) usually take 1–3 business days and international transfers ($45) usually take 3–5 business days; both are reviewed by our team.
Yes to cards: create a virtual card instantly, or request a physical card. Once approved, it is mailed free by standard delivery to your address on file, arrives inactive and is activated from your account. Mobile apps are not available at this time — our website works in any phone browser.
Use the live chat button on any page, call (848) 305-6773 (Mon–Fri, 8am–8pm ET), or send a message from our Contact page.