Aug 29, 2023, 11:59 am
Last edit by: lowkeyflyer
DATAPOINT COLLECTION: https://forms.gle/trtMWXZp4mKUk31m7
VIEW DATAPOINTS: https://docs.google.com/spreadsheets...it?usp=sharing
Rules:
You can deposit cash fee-free into your ONE account at any Walmart cashier, Customer Service desk, or Money Center location in the United States.
If you dont have your physical card, you can deposit cash using your ONE app-generated barcode at any Money Center or Customer Service Desk at Walmart.
Amount limits:
1. $1 minimum load
2. $990 maximum load per transaction
3. $3,000 maximum per rolling 24 hours
To create barcode for deposit:
On home page of One app, click Add Money
Next screen is Cash Control, click Deposit Cash
Next screen is Select account, select Debit or Savings
After selecting account, click on blue Create Barcode at bottom of screen
VIEW DATAPOINTS: https://docs.google.com/spreadsheets...it?usp=sharing
Rules:
You can deposit cash fee-free into your ONE account at any Walmart cashier, Customer Service desk, or Money Center location in the United States.
If you dont have your physical card, you can deposit cash using your ONE app-generated barcode at any Money Center or Customer Service Desk at Walmart.
Amount limits:
1. $1 minimum load
2. $990 maximum load per transaction
3. $3,000 maximum per rolling 24 hours
To create barcode for deposit:
On home page of One app, click Add Money
Next screen is Cash Control, click Deposit Cash
Next screen is Select account, select Debit or Savings
After selecting account, click on blue Create Barcode at bottom of screen
ONE Card Masterthread
Jan 16, 2026 | 7:49 pm
#676
Join Date: Oct 2023
Posts: 436
This prompts a question.
When I originally signed up for One, I bought the card at Walmart and paid a $1 fee. I then needed to link this card to a OnePay Cash account in order to get banking features (aka a routing/account number). This is important if you are trying to move the funds out, either by pulling from an external bank or paying off your CC from this account.
Assuming that a OnePay shutdown means they close your OnePay Cash account (and thus, you can't push/pull anything), what does OnePay do in the event that I buy another OnePay card (the one with the $1 fee)? Will I just be unable to use this card because they refuse to let me reopen a Cash account? That seems like a logistical nightmare for them unless they can very easily refund the original method of purchase.
Or does that card basically turn into a prepaid debit where my only path to liquidation is spending down the balance? If this were the case, there may be some small use cases (such as loading it up with a bunch of VGCs and then making a large tax payment) but overall it's not an ideal option. Still, the process for buying a OnePay card at SCO is as simple as "scan your card, choose your balance, swipe your debit to fund it". There is no verification until you are trying to link to a OnePay Cash.
When I originally signed up for One, I bought the card at Walmart and paid a $1 fee. I then needed to link this card to a OnePay Cash account in order to get banking features (aka a routing/account number). This is important if you are trying to move the funds out, either by pulling from an external bank or paying off your CC from this account.
Assuming that a OnePay shutdown means they close your OnePay Cash account (and thus, you can't push/pull anything), what does OnePay do in the event that I buy another OnePay card (the one with the $1 fee)? Will I just be unable to use this card because they refuse to let me reopen a Cash account? That seems like a logistical nightmare for them unless they can very easily refund the original method of purchase.
Or does that card basically turn into a prepaid debit where my only path to liquidation is spending down the balance? If this were the case, there may be some small use cases (such as loading it up with a bunch of VGCs and then making a large tax payment) but overall it's not an ideal option. Still, the process for buying a OnePay card at SCO is as simple as "scan your card, choose your balance, swipe your debit to fund it". There is no verification until you are trying to link to a OnePay Cash.
I checked and my phone number is finally no longer linked to me, but its been about a year or so since they closed my account. They told me point blank they would always keep my SSN and mailing address on file though, due to patriot act requirements.
lucky they told me anything. They use a call center in India and I guess I got an Indian who didnt give a shoot and told me what was up
Jan 17, 2026 | 5:17 am
#677
Join Date: Mar 2005
Programs: Continental Onepass, Hilton, Marriott, USAir and now UA
Posts: 7,391
They make it exceedingly difficult. You phone number will be linked to your now closed account. You’ll need to register the new retail card under a different phone number. You still have to give your name, SSN and address. They’ll know it’s you and so you’ll get denied a OnePay account but you’ll have a limited One account (under your new phone number) that has no features like bill pay or ACH. none of that. You’ll have to spend down the retail card. If you try to buy another retail card, they’ll just shut down that account too. They’ll keep the phone numbers you use for this on file and will not let you use them again for a very long time.
I checked and my phone number is finally no longer linked to me, but it’s been about a year or so since they closed my account. They told me point blank they would always keep my SSN and mailing address on file though, due to “patriot act” requirements.
lucky they told me anything. They use a call center in India and I guess I got an Indian who didn’t give a shoot and told me what was up
I checked and my phone number is finally no longer linked to me, but it’s been about a year or so since they closed my account. They told me point blank they would always keep my SSN and mailing address on file though, due to “patriot act” requirements.
lucky they told me anything. They use a call center in India and I guess I got an Indian who didn’t give a shoot and told me what was up
As I have tried to explain several times before, the One card is a real debit card attached to a real demand deposit account from a real bank (Coastal).
They have to play the game the same as any bank, community or too big to fail version in regards to ML and attempting to prevent it. Coastal has had its business hand slapped by the Feds for not doing a better job of it in the past.
I still recommend that new players read this entire thread and all the info provided by One on-line before embarking on using One in your MSing activities.
Jan 17, 2026 | 7:53 am
#678
Join Date: Jul 2001
Posts: 1,811
The following info came to my attention a few years ago. It may be outdated by now but to the best of my knowledge it was all true at the time, here goes:
1. If you want to use at SCO it's best to keep using your temp card for as long as you can - even after you receive your permanent card. Do not register the permanent card until your temp card no longer works.
2. It's definitely possible to use the permanent card at the SCO. Yes. I know two people who have done it, at least in the past. Keep in mind that the secret to using SCO is the chip on the card is not read (the temp card doesn't have a chip), but rather the magnetic strip is read. Since the permanent card has a chip it keeps us from using it at SCO, BUT somehow/some way people have used devices like this to manipulate the magnetic strip on their permanent cards so it can be used at SCO:
I don't know the ins-and-outs of how to do the magnetic strip manipulation, I never pursued it as I first heard about it after I had already been banned by One so I can't open a new account even if I wanted to.
1. If you want to use at SCO it's best to keep using your temp card for as long as you can - even after you receive your permanent card. Do not register the permanent card until your temp card no longer works.
2. It's definitely possible to use the permanent card at the SCO. Yes. I know two people who have done it, at least in the past. Keep in mind that the secret to using SCO is the chip on the card is not read (the temp card doesn't have a chip), but rather the magnetic strip is read. Since the permanent card has a chip it keeps us from using it at SCO, BUT somehow/some way people have used devices like this to manipulate the magnetic strip on their permanent cards so it can be used at SCO:
I don't know the ins-and-outs of how to do the magnetic strip manipulation, I never pursued it as I first heard about it after I had already been banned by One so I can't open a new account even if I wanted to.
Jan 17, 2026 | 9:40 am
#679
Join Date: Sep 2025
Posts: 99
The following info came to my attention a few years ago. It may be outdated by now but to the best of my knowledge it was all true at the time, here goes:
1. If you want to use at SCO it's best to keep using your temp card for as long as you can - even after you receive your permanent card. Do not register the permanent card until your temp card no longer works.
2. It's definitely possible to use the permanent card at the SCO. Yes. I know two people who have done it, at least in the past. Keep in mind that the secret to using SCO is the chip on the card is not read (the temp card doesn't have a chip), but rather the magnetic strip is read. Since the permanent card has a chip it keeps us from using it at SCO, BUT somehow/some way people have used devices like this to manipulate the magnetic strip on their permanent cards so it can be used at SCO: https://www.amazon.com/s?k=magnetic+...ent_2_0_recent
I don't know the ins-and-outs of how to do the magnetic strip manipulation, I never pursued it as I first heard about it after I had already been banned by One so I can't open a new account even if I wanted to.
1. If you want to use at SCO it's best to keep using your temp card for as long as you can - even after you receive your permanent card. Do not register the permanent card until your temp card no longer works.
2. It's definitely possible to use the permanent card at the SCO. Yes. I know two people who have done it, at least in the past. Keep in mind that the secret to using SCO is the chip on the card is not read (the temp card doesn't have a chip), but rather the magnetic strip is read. Since the permanent card has a chip it keeps us from using it at SCO, BUT somehow/some way people have used devices like this to manipulate the magnetic strip on their permanent cards so it can be used at SCO: https://www.amazon.com/s?k=magnetic+...ent_2_0_recent
I don't know the ins-and-outs of how to do the magnetic strip manipulation, I never pursued it as I first heard about it after I had already been banned by One so I can't open a new account even if I wanted to.
Jan 17, 2026 | 1:53 pm
#680
Join Date: Mar 2005
Programs: Continental Onepass, Hilton, Marriott, USAir and now UA
Posts: 7,391
It's definitely possible to use the permanent card at the SCO. Yes. I know two people who have done it, at least in the past. Keep in mind that the secret to using SCO is the chip on the card is not read (the temp card doesn't have a chip), but rather the magnetic strip is read. Since the permanent card has a chip it keeps us from using it at SCO, BUT somehow/some way people have used devices like this to manipulate the magnetic strip on their permanent cards so it can be used at SCO: https://www.amazon.com/s?k=magnetic+...ent_2_0_recent
.
Wire fraud is a federal crime involving using electronic communication (phone, internet, email) to execute a scheme to defraud someone of money or property, requiring intent to deceive and the use of interstate wires for the plan, with common examples including phishing, business email compromise, and fake investment opportunities. It's a serious felony under 18 U.S.C. 1343, carrying heavy fines and significant prison time.
IANAL, but I think that altering a magnetic strip on the back of a monetary instrument in order to defraud or deceive a bank could be construed as wire fraud. The limited returns on doing such a thing versus the penalties if caught, even if remote, makes it appear to me a fools game.
If your intention is to do mega MSing, the One card is not the instrument for you.
Jan 25, 2026 | 7:10 pm
#681
Join Date: Apr 2025
Posts: 8
So the current status is that you can only deposit a VGC if you use a temporary OnePay debit card - neither the permanent card nor the barcode work? So if I open one of these accounts today I can expect to get about 3 months of decent MS and that's it?
Jan 26, 2026 | 12:18 pm
#682
Join Date: Jul 2025
Location: Virginia
Posts: 60
The way that I understand: The only advantage with the temporary is the ability to load at self checkout with no human interaction (which allows the full $200 swipe for normal BHN/PW VGCs and MCGCs). You can use the barcode and the permanent card at money center / customer service anytime, just those specific BHN/PW cards would be limited to $99 per swipe and you also need to get eye to eye with an employee. Many other VGC/MCGCs are not limited to $99 and can be swiped in full btw. Although, Staples/ODOM sales make BHN/PW very appealing.
Jan 26, 2026 | 2:29 pm
#683
Join Date: Apr 2025
Posts: 8
The way that I understand: The only advantage with the temporary is the ability to load at self checkout with no human interaction (which allows the full $200 swipe for normal BHN/PW VGCs and MCGCs). You can use the barcode and the permanent card at money center / customer service anytime, just those specific BHN/PW cards would be limited to $99 per swipe and you also need to get eye to eye with an employee. Many other VGC/MCGCs are not limited to $99 and can be swiped in full btw. Although, Staples/ODOM sales make BHN/PW very appealing.
Jan 28, 2026 | 4:23 am
#687
Join Date: Apr 2022
Posts: 379
Before I got a ONE card, I went and read through this entire thread, and one thing I noticed was that we were very careful not to reveal that information. So, I'm certainly not going to be the one to blab. Plus, I don't spoonfeed, you're going to have to figure that out for yourself. I will say that if you go and look at the SCO screen, and engage just half of a brain cell, it's pretty obvious. Like blatantly simple, Like if you can't figure it out, it's because you're overthinking it. Also, how many times are you going to ask this question and realize no one is going to answer you? Take a hint.
Jan 28, 2026 | 6:26 am
#688
Join Date: Feb 2023
Posts: 1,501
Jan 28, 2026 | 12:43 pm
#690
Join Date: May 2021
Posts: 139
Question for those shutdown from One Pay.
I see they are backed by Coastal Community Bank. I currently use the banking offered by Robinhood (their new Checking/Savings product) as well as the Robinhood Gold credit card. These accounts are also backed by Coastal Community Bank.
If I do get shutdown by One Pay, is this just excluding me from One Pay products, or is this a blanket shutdown by Coastal Community Bank? I'm only now realizing my actions with One may indirectly impact my usage of other Coastal accounts.
I see they are backed by Coastal Community Bank. I currently use the banking offered by Robinhood (their new Checking/Savings product) as well as the Robinhood Gold credit card. These accounts are also backed by Coastal Community Bank.
If I do get shutdown by One Pay, is this just excluding me from One Pay products, or is this a blanket shutdown by Coastal Community Bank? I'm only now realizing my actions with One may indirectly impact my usage of other Coastal accounts.