Once you provide your SS# and other personal info, you open up the regular benefits of One, which is a bank with all the features of one (no pun intended).

The bank no longer needs the temp card for you, and cancels it.

If you satisfy some of One's requirements such as having a regular direct deposit, maintain a savings account balance, use it at WM, make use of its promotions, you get the benefit of a regular checking account that is fee free, a reasonably high interest savings account and a limited cash back card. And best of all, as long as you don't go crazy, you can do light MSing as well.