I just do ACH pulls from the mortgage company and electric bill company and it works just fine. No need to add bill pay from the One app side at all since you have the One checking account number and routing number information you can add all the bank information on the payee side.

I'm a little confused with the One card account I opened online last evening. I plan on loading $990 vie gebit today just to experiment, but am seeing "Debit Balance" and "Savings Balance" accounts when I log into my One account. I assume that when I load, it goes to the "Debit Balance" account and I then have to manually transfer funds between "Debit Balance" and "Savings Balance" accounts if I want to earn the 1%/5% interest? I then need to transfer from "Savings Balance" back to "Debit Balance" if I want to transfer funds to my external bank account?

Are these all correct assumptions?

i used it to pay my gas bill with good success

You don't have to transfer funds in the Savings balance back to Debit balance in order to transfer out to bank account. Each account has its own account number....literally just off by 1 digit. So you can set up an ACH pull from your external bank to your Savings balance just fine. That is what I do and I don't bother with the Debit account.

Thanks, I appreciate it.

Be very careful about the number of transactions your savings account is being subject to.
Savings accounts are not meant to be demand accounts like checking. There almost always is a limit, either stated or implied, that the depositor will not exceed this number per month and I suspect that one of the reasons people got shut down in One was that they were depositing lots of money into their savings account to garner the 5% and then pulling it out numerous times to pay various bills.
One comes with an attached checking account. That is the one that you should use to pay bills. Try and keep your deposits and withdrawals to between 5-10 per month in your savings account.
A bit of a pain but it beats getting shut down

Technically the Fed Reg D law doesn't limit the number of ACH transfers/withdrawals on Savings accounts to 6 anymore since 2020 and the institution is free to allow as many savings transfers/withdrawals as they want. But you may be right in that there could still be an internal limit as to how many withdrawals it may allow in their Savings account but it is not a hard number of 6 like it used to be.

I agree that if you are planning to do like 10+ withdrawals out of the bank then it is much better to just do that under the Checking account regardless but if you are doing just a handful of withdrawals from the Savings account throughout the month then it shouldn't really matter. It would have been useless to put it in the Savings account if the funds are immediately withdraw from the checking account anyways. I think the bigger cause of a shutdown is the amount of funds you are loading onto the One account in a relatively short period of time and in the example you are referring to, I believe the individual had like $90K+ accumulated over 2 months without a single withdrawal and then received a letter asking about the source of funds. Then after the interest posted on the Savings account for that month did a single high 5 figure withdrawal which obviously spooked One and caused the shutdown. If you are withdrawing a few hundred here and there that shouldn't be a big deal.

I am not saying what you said doesn't have any merit but just wanted to set the stage of what the actual situation was and what are more likely the factors that resulted in the shutdown.

I appreciate the insights. Slow and steady is generally my speed, as of late.

Has anyone who has made it to the 120 day mark on their temporary card confirm that the temporary card actually shuts off starting day 121?

Have you had a debit or credit card work after its expiration date?? I haven't.

What makes you think that One Bank would be any different? However, always up for a new and unusual DP, so let us know how it goes

What is the limit for adding money in store with barcode to one card at Walmart. I�ve read about the discover forum saying these limits but wasn�t sure if they are Walmart limits or if they are discover limits. I keep getting error at store saying daily limit reached.

From
discover forums

�Amount limits:
1. $20 minimum load
2. $1,000 maximum per rolling 24 hours ($999 for AZ NM)
3. $7,000 maximum per rolling 7 days
4. $10,000 maximum per calendar month (formerly $20K; mixed DPs, T&C states calendar month but FTers state rolling 30 days)

Frequency limits:
5. 4 individual loads per rolling 24 hours
6. 7 individual loads per rolling 7 days
7. 20 loads per rolling 30 days.

WM limits:
8. 3 GCs max per transaction. �

Those limits only apply to loading a Discover.

so do you think I�m .... off of Walmart money services then?

I think each product that WM supports has their own respective limits so I don't think you can blanketly state that all products for reloading are the same whether that is Discover, BB or One.

Got the following today:

After further review, we�ve deemed it necessary to close your account. Please note that we can share no additional information and that our decision is final.

If there are funds available in your account, we will mail a check for any remaining balance.

Please note that there�s no additional information to share and that our decision is final.

Sincerely,
The One Team

Loaded infrequently, kept $5k in account. Although when I loaded, I usually loaded with barcode and card back to back