Accessing the funds in your account without your ONE card

How do I access the money in my ONE account without my ONE card?

While you wait for your ONE card to arrive, or if you prefer to go cardless, you can access the money in your ONE account in the following ways:

Pay with ONE

Pay with ONE is a payment option offered at select U.S. Walmart locations when shopping in-store. To access this feature, open the ONE app, click the Pay with ONE icon, and scan the QR code at the register. You must have the full purchase amount available in Checking. 

How do I use Pay with ONE?

Instead of using your physical ONE debit card at Walmart locations, you can Pay with ONE using the following steps: 

  • Open the ONE app
  • Tap at the top of the screen
  • Scan the QR code displayed at the payment terminal. You will also see the QR code displayed at self checkout stands.
  • Click “Pay Now” to complete the purchase. The transaction will process and the amount will appear as a transaction on your Checking tab

Virtual Card

You have a virtual card that is connected to your Checking balance. You can use your virtual card to shop online, make payments, or anywhere you are able to enter card information to complete a purchase. You can also add your virtual card to your digital wallet to make contactless purchases.

Where is my virtual card?

To see your virtual card information:

  • Sign into your ONE account
  • Tap Framecard.png to access the Card menu
  • Toggle the Show card number button ON, and your virtual card information will be displayed

How do I add my virtual card to my digital wallet?

To add your ONE card to Apple Pay on an iPhone:

  • Sign into your ONE account
  • Tap Framecard.png to access the Card menu
  • Select Use ONE with Apple Pay add to Apple Wallet
  • Follow the steps provided by Apple to complete the process

To add your ONE card to Google Pay on an Android device:

  • Sign into your ONE account
  • Tap Framecard.png to access the Card menu
  • Select Use ONE with Google Pay to add to Google wallet
  • Follow the steps provided by your device to complete the process

Barcode Cash Withdrawal

You can use your ONE app to generate a barcode which can be used to withdraw cash at participating MoneyCenters or Customer Service Desks at Walmart. 

How do I withdraw cash using a barcode at Walmart?

  • Sign in to your ONE app
  • Navigate to the pocket or tab you would like to withdraw funds from
  • Tap on Move Money
  • Select Withdraw Cash
  • Enter the amount you wish to withdraw
  • A barcode will be generated that you will take to a Walmart Customer Service or a MoneyCenter Associate
  • The Walmart Associate will scan your barcode and verify your identity*
  • Once approved, you will receive your requested cash along with a receipt for your transaction

Fees for this feature are waived for all customers in the first 30 days after account opening. Direct Deposit Customers, Walmart Associates, and delivery drivers on the Spark DriverTM platform are also eligible for a fee waiver.

If you are not eligible for a fee waiver, you will be charged a $3 Barcode Cash Fee. See additional information on fees in our Deposit Account Agreement.

*Please note that you will need to verify your identity using an accepted form of government-issued ID. Acceptable forms of government-issued ID include a State ID or Driver’s License, Military ID, Social Security Card along with a US government-issued picture ID or U.S. Passport.

Transfer funds

To transfer funds to an external account, you will need to link the account to your ONE account.

How do I link my external account to my ONE account?

We use Plaid to connect your external bank to your ONE account to securely and easily transfer funds at your convenience.

To connect your external bank to ONE:

  • Sign in to your ONE account
  • Tap Frameprofile.png to access your Profile 
  • Select Linked Accounts
  • Select Add an account
  • You should see a popup: ONE uses Plaid to link your bank
  • Tap or click Get started
  • Use the search field to find your external bank and enter your sign in credentials for your external account to finish the process

Once connected, you will be able to transfer funds in and out of ONE. Transfers out of your ONE account take 1-3 business days, while transfers into your ONE account take 2-5 business days. Please be sure that any external accounts connected to your ONE account are in your name.

For additional information, check out our support article on Linking Accounts.

Peer-to-peer payment apps

How do I use ONE with peer-to-peer payment apps like Zelle, Cash App, Venmo, and others?

You can send funds to and from your ONE account using peer-to-peer service apps such as Cash App, Venmo, Paypal, and others. This is typically done by linking your ONE card or account and routing numbers through these third-party services.

Please note that ONE does not charge any fees for these types of transfers, but the peer-to-peer service may.

We are not directly integrated with Zelle. As a result, some transfers to and from your ONE account may not be supported.


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