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-   -   ONE Card Masterthread (https://www.flyertalk.com/forum/manufactured-spending/2132682-one-card-masterthread.html)

SailorJoe Apr 16, 2024 12:41 pm


Originally Posted by SailorJoe (Post 36165091)
It's just a standard US Bank Business account. I don't pay any other fees, and have no minimum balance, but I get no interest either. One thing that's kinda lame, you have to have both a Personal and a Business account before you get any really useful UI in their app. Can't even transfer funds to/from the business account if you don't have a personal account, but you can do everything with either account once you have both. The personal account requires a 1k/mo. DD to avoid fees.

I just realized, might have sounded confusing... To clarify, I'm talking about the bank named "USBank", not a random bank in the US. ;-)
This is the same bank that offers the Altitude Connect Visa, so I wouldn't take any chances with them if that card sounds like one you'd like to have!

TyrannicalDuncery Apr 16, 2024 1:24 pm

Okay but just to be clear, US Bank is a US bank so your account is a US US bank, right? Also a US US Bank.

BilligCharlie Apr 17, 2024 10:03 am

First time trying to load WM One. Just went and got 3x200 Visa GC from Officemax, reg. gc and set pin, then went to load one at WM w/ barcode and got code 56 (debit not available) everytime. I attempted $600 w/ 3@$200 and then 1 at $200 and same result everytime. I then went and purchased a small item and that went through as credit. This is my very first attempt at doing this, what did I do incorrectly? I verified balance when registering.

TyrannicalDuncery Apr 17, 2024 10:14 am


Originally Posted by BilligCharlie (Post 36167608)
First time trying to load WM One. Just went and got 3x200 Visa GC from Officemax, reg. gc and set pin, then went to load one at WM w/ barcode and got code 56 (debit not available) everytime. I attempted $600 w/ 3@$200 and then 1 at $200 and same result everytime. I then went and purchased a small item and that went through as credit. This is my very first attempt at doing this, what did I do incorrectly? I verified balance when registering.

Not sure, but this may be relevant: https://www.flyertalk.com/forum/34701918-post128.html. This is from 2022:

Originally Posted by littlewinglet (Post 34701918)
They work like any other GC, except the $99/swipe limit on most of them makes it useless for anything but Bluebird loads.


BilligCharlie Apr 17, 2024 10:22 am

This is superhelpful. Thank you!

radonc1 Apr 18, 2024 9:19 am


Originally Posted by TyrannicalDuncery (Post 36167639)
Not sure, but this may be relevant: https://www.flyertalk.com/forum/34701918-post128.html. This is from 2022:


Originally Posted by BilligCharlie (Post 36167658)
This is superhelpful. Thank you!

And please remember that loading BB at WM now has a $3.74 fee per load making this a really bad method of using those GCs for MSing ;)

jonnyek Apr 18, 2024 10:30 am

May be what happened to me too. I just tried to load my one card with OM Visa GC. Registered, set pin, did it for $199 and it was declined. I thought I read in here somewhere someone was loading them with the MC GC $200 ones just fine? Is there certain ones from OM? I know I bought 2 different kind. One says Pathward and the other Meta but both serviced by BHN. Also thought I read somewhere the numbers on the front matter too? Anyone figure out how to load the one card at SCO?

ericdabbs Apr 18, 2024 12:58 pm


Originally Posted by jonnyek (Post 36170351)
May be what happened to me too. I just tried to load my one card with OM Visa GC. Registered, set pin, did it for $199 and it was declined. I thought I read in here somewhere someone was loading them with the MC GC $200 ones just fine? Is there certain ones from OM? I know I bought 2 different kind. One says Pathward and the other Meta but both serviced by BHN. Also thought I read somewhere the numbers on the front matter too? Anyone figure out how to load the one card at SCO?

Metabank and Pathward are the same company since Metabank rebranded themselves as Pathward around April 2022. Its just that at a certain point the VGC/MCGCs produced started labelling as Pathward hence why you see 2 different labellings but are really the same thing. Going forward all VGCs/MCGCs are labelled as Pathward.

FoCo Finch Apr 19, 2024 3:01 pm

Considering getting a One card. Have read entire thread, and more....

The value proposition for this card seems to be: 1) lower your MS fees since you'll be paying for fewer MOs, 2) liquidate more GCs per store visit since you can hit a few SCO's in the same trip instead of being limited to 2 swipes at the MC for MO (especially these days with the Everywhere problems), and 3) ACH to bank account which helps reduce MO volume to the hub account.

Anything I'm missing?

I know that there are some caveats to using One to avoid shutdowns: 1) Probably only load <8k per month; 2) ACH a few days after loads and don't leave more in there than you can float until they send you your check in the event of a shutdown.

Sounds like ODP/OMX VCGs of the Everywhere variety are good for 2-3 swipes per One card at WM SCO. Then go to another SCO and do 2-3 more cards. 5 Backs sound like they work using the One Barcode at MC (2 swipes). Which means you can liq 6-8 cards in one trip which is a lot better than the 2 I'm doing now via MO at the MC counter.

Too bad this doesn't work for ODP/OMX MCGCs...still have to do the old grocery MO route for these apparently. Which is too bad, because my stores usually have a lot more of these than they do the Everywheres.

Does this sound right?

noob_bonus Apr 21, 2024 11:02 am


Originally Posted by FoCo Finch (Post 36173565)
liquidate more GCs per store visit since you can hit a few SCO's in the same trip instead of

What methods currently working to load one card at SCO?
DO we need to load using the barcode from one app?
Didn't find any solid walkthrough in this sub yet

TyrannicalDuncery Apr 21, 2024 11:56 am


Originally Posted by noob_bonus (Post 36177233)
What methods currently working to load one card at SCO?
DO we need to load using the barcode from one app?
Didn't find any solid walkthrough in this sub yet

This doesn't really answer your question, but:

munchcolo Apr 22, 2024 11:19 am


Originally Posted by noob_bonus (Post 36177233)
What methods currently working to load one card at SCO?

None if you’re at WM in Murrieta, CA, because all SCO lanes are closed (part of WM’s plan to combat retail theft, coming soon to a WM near you).

SailorJoe Apr 22, 2024 1:34 pm


Originally Posted by TyrannicalDuncery (Post 36177370)
This doesn't really answer your question, but:

Looks like It's a temporary condition that seems to work for some folk who bought the temp card in store, and even then only lasts until they get their permanent card. It's not possible for those who sign up online, or after activating the permanent card.

FoCo Finch Apr 22, 2024 5:50 pm


Originally Posted by SailorJoe (Post 36180258)
Looks like It's a temporary condition that seems to work for some folk who bought the temp card in store, and even then only lasts until they get their permanent card. It's not possible for those who sign up online, or after activating the permanent card.

Bummer. So my earlier assessment of One MC upthread is no longer valid:
The value proposition for this card seems to be: 1) lower your MS fees since you'll be paying for fewer MOs, 2) liquidate more GCs per store visit since you can hit a few SCO's in the same trip instead of being limited to 2 swipes at the MC for MO (especially these days with the Everywhere problems), and 3) ACH to bank account which helps reduce MO volume to the hub account.

I suppose if one is looking at One MC as a means to increase volume above and beyond MO's in a single store trip, they could go to cashier and load, then go clear across the store to another cashier and load, then go to MC and load. So in this case, two swipes per location, for 6 cards per store/trip. Still beats 2 cards per store/trip for a MO. Just might look a little off unless it's a big supercenter where cashier #1 is clear across the store from cashier #2.

noob_bonus Apr 23, 2024 3:21 pm

One DP about the One card.
Fidelity brokerage push works as DD for the card.
Made one push of 501$ to the card. Posted as Direct deposit paycheck and apy for savings have been updated as 5%.


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