Thank you. I will read more about MCGCs.

No need to register the card. You can use the last 4 digits as pin.

Obviously there's no way to know for sure what tipped them off to the P2 card. However, I've done some experimentation and can tell you this much for sure:
- Your account is linked to your phone number. If you change your phone number in your account, you can then open another account with your old phone number (I've done that, confirmed it's true. For those who are going to ask why, I had bought a retail card at Walmart around the time they shut me down. Needed to get my $$$ off of it).
- Your overall standing with One is linked to your SSN. Even though you can open a new account under a different phone number, they will see your SSN is in their system and will give you one of their "limited" accounts, which only allows you to set a pin for any retail card you opened the account with, then go spend the money.
- The retail card can be purchased for up to $500 and drains quite easily loading debits or buying MOs, as it is not considered a gift card. The retail card CANNOT be paied for with a CC and CANNOT be loaded any further by any means, so it's mostly worthless.

So, as a person who's been shut down by One, I can still buy their retail cards for $1, loaded with $500. This cannot be done with a credit card, only with a Debit card. The only good use for this might be to consolidate many Gebits into a single retail One card (for a fee of $1) at SCO. However, I would not recommend doing this because they will have a record of you buying all theses retail One cards, linked to your SSN, even after a derisking shutdown. This info would probably be consolidated by them and reported to the authorities via SAR.

I am going to give my take on the One account, now that I have been using it for more than a month.

Personally, I think this is a good account and not worth screwing with. Why?
First, it gives a high rate of interest (currently 5%) on your savings of $5K or more, which is better than just about all the on-line savings accounts and certainly better than all of my commercial accounts.
The debit card is very easy to load, either by DD or by GCs. Using the latter does put you at risk for closure, but if there is normal use of the debit card for ordinary purchases that should prevent closures from happening (assuming one isn't loading $10K a day and then pulling it out of the account..)
The debit card does have some nice rebates on it. I do shop routinely at WM for groceries and the 3% rebate is quite nice. However, there are other rebates. I got a $0.17/gallon rebate on a gasoline fill up.

I have not tried the bill pay part of the account yet, but in truth, don't need to. I have other accounts that can deal will credit card bills which avoids any issues in that regards with One.

In summary, too valuable to be a significant MS vehicle, just like Serve and BB. I don't wish to lose any of these accounts and behave accordingly ;)

i agree. Their tracker shows I’ve gotten about $125 back from rewards, and I’ve had it for two months. Most notably they gave me $40 back on $65 spend for my at&t bill, and then this month they have 5% back on wireless.

I see so you are just using your One account as a normal checking account and not loading via VGCs?

I do both loading and deposit from another account on a routine basis (but not DD)
I load a couple of hundred a week using VGCs but the standard deposit is twice as much.
But you are correct, this is not a major MSing account for me.

I have some follow up questions. Doesn't P2 have the same address as you so that is how it knew? I am assuming when you say "retail" card it is the same as "temp" card that you can buy at the store. I think the word "temp" card is more understood here and more clear than "retail". Also so you are saying in order to set a PIN you have to register the "temp" card and One allows you to do so even if you have an existing card but they open it as a "limited" account? Is there a reason to register the "temp" card in the first place if you are just going to drain them anyways for one time use? How would they get your info then for your last statement.

DP, was able to load the $200 Staples BHN MCGC to One at the MC with the barcode. Swiped 4 times, $99 each per transaction. Didn't have to change payment, it knew it was a debit. After I swiped, the terminal asked if I wanted cashback, then had me enter the PIN. I will try to see if the cashback works so I am not left with giftcards with $2 balances.

Cashback does not work and the card says so (no ATM access).
If you ask for cash back, the entire transaction will go up in smoke.:(

Thank you for the info, i will not try it:)

2 of my last 3 loads for one have resulted in the drawer opening and me just getting cash back. The debit goes through but the card doesn’t load
- $400 legit debit card
- $25 staples meta gift card - test - loaded
- $525 spilt 500 income / 25 meta split

any thoughts?

Two loads declined today. This is also after swipes going down to 4 this week.

Successfully loaded $200 SE card at WM cashier without issue.
I don't do multiple swipes. An obvious tell for any cashier wanting to be difficult. :o

I tried one swipe per load with a vanilla. I tried a backup vanilla when the first did not work. It would not take.