One Refer-A- Friend - Full Terms

Offer Term: February 16, 2024 through July 1, 2024

During the Offer Term, current One customers and newly referred customers can each earn twenty dollars ($20) (“Referral Bonus”) when a newly referred customer (i) opens a One deposit account using a current One customer’s unique referral link and (ii) makes at least one purchase of twenty dollars ($20) or more with their One debit card that settles before the end of the Offer Term. To be considered a newly referred customer you must not have previously opened a One deposit account. For purposes of this offer, using your One debit card for cash substitutes (e.g. sports betting, casino chips, money orders), gift cards, prepaid cards, check cashing services or for money movement (e.g. peer to peer transfers) will not be considered a purchase. Accounts opened through the One mobile app do not meet the eligibility criteria for earning a Referral Bonus for either the referring customer or the newly referred customer.

Once the above eligibility criteria is met, within 5 business days the Referral Bonus will be deposited into the Savings of the newly referred customer and the current One customer whose unique referral link was used, provided that the current One customer has not already received 10 total Referral Bonuses (“Referral Bonus Limit”). If the current One customer reached the Referral Bonus Limit prior to the newly referred customer completing the eligibility criteria then neither customer will receive the Referral Bonus. Additionally, to receive a Referral Bonus, a customer’s One deposit account must be open and in good standing at the time the Referral Bonus is deposited.

Newly referred customers acknowledge that using a current One customer’s unique referral link to open a One deposit account may result in the current One customer’s knowledge of you establishing a One deposit account. To avoid this, do not sign up for a One deposit account through a unique referral link.

One reserves the right to revoke or modify this offer at any time, with or without notice. If it is determined that a customer has engaged in or plans to engage in abuse or gaming in connection with this offer, that customer will be prohibited from further participation in the offer and will forfeit all rights to any Referral Bonuses. One may issue you an IRS Form 1099-MISC, or other appropriate forms reporting the value of the Referral Bonuses.