One Finance, Inc.

Financial Services86% confidence

One Finance, Inc. is a financial technology company offering app-based banking services, including spending, saving, and debit accounts provided in partnership with a regulated bank.

Sacramento, California
one.app
Owned by Walmart Inc.

About One Finance, Inc.

One Finance, Inc. is a fintech company that provides digital banking services through a mobile app and website. It typically offers spending and savings accounts, debit cards, and budgeting tools, with banking services provided by a partner bank and funds held in FDIC-insured accounts. The company focuses on low-fee or no-fee banking, automatic savings features, and tools to help customers manage everyday finances.

A transaction descriptor that includes “Deposit: ONE FINANCE, INC ACH TRANS” usually refers to an electronic ACH transfer involving a One Finance account. In this case, it appears as a deposit, which could be a transfer from a One Finance account to your bank, an inbound transfer facilitated by One Finance, or a person-to-person payment where the sender used One Finance as their financial institution. These are typically one-time or occasional transfers, but could also be part of regular, scheduled transfers between accounts.

If you have questions about a One Finance–related ACH deposit, first review your One app (or online account) and your bank’s transaction detail to match dates, amounts, and any memo information. You can usually find a record of the transfer in the app’s transaction history. If something looks wrong, contact One’s customer support through the app or website, and your own bank’s support if you suspect an error or unauthorized activity. Keeping screenshots of the transaction details from both institutions can help resolve disputes more quickly.

Bank Statement Variations

2 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to One Finance, Inc..

  1. Deposit: ONE FINANCE, INC ACH TRANS $34.00
  2. Deposit: ONE FINANCE, INC ACH TRANS MICHELLE SMIT H

Frequently Asked Questions

Why do I see a “Deposit: ONE FINANCE, INC ACH TRANS” on my bank statement?

This descriptor indicates an ACH (Automated Clearing House) transfer that involved a One Finance account. It is typically a deposit into your bank from a One Finance account or a payment sent by someone who uses One Finance as their financial institution.

Is an ACH transfer from One Finance a one-time payment or a recurring transaction?

Most ACH transfers from One Finance are one-time transactions initiated in the One app, but customers can also set up recurring transfers (for example, weekly or monthly moves to another bank). Check your One transaction history and your bank statement to see if the amounts and dates repeat on a schedule.

How can I confirm who sent me an ACH deposit from One Finance, Inc.?

Open your bank’s transaction details to look for the sender name or memo line, then compare that with any payment or transfer records you have (such as messages, invoices, or your One app activity if you are the sender). If it’s unclear, you or the sender can log into the One app to view the exact transfer, including date, amount, and receiving institution.

What should I do if I don’t recognize a deposit labeled ONE FINANCE, INC ACH TRANS?

First confirm that no family member or business partner initiated a transfer using One Finance. If it remains unfamiliar, contact your bank’s fraud or support department to document the transaction, and, if you have a One account, also contact One support through the app or website so both institutions can investigate the source of the funds.

Can I reverse or refund an ACH transfer that came from One Finance?

ACH deposits are usually final once settled, but in some cases they can be returned or reversed if there was an error or fraud. If you need a transfer reversed, contact your bank immediately to ask about returning the ACH entry, and have the sender contact One Finance support from their app or online account to report the issue on their side.

How do I contact One Finance about a question on an ACH transaction?

Log into the One app or go to one.app and use the in-app support or help section to reach customer service by chat or email. Provide the transaction date, amount, and the descriptor from your bank statement (including the “ACH TRANS” line) so they can locate the payment quickly.

Why is my ACH transfer from One Finance still pending at my bank?

ACH transfers typically take 1–3 business days to fully settle. During that time, your bank may show the deposit as pending. Weekends and bank holidays can extend processing times. If a transfer is pending longer than three business days, contact your bank and, if you initiated it, check the One app to confirm the transfer’s status.

Does One Finance charge fees for ACH transfers to or from external bank accounts?

One Finance has generally promoted low- or no-fee transfers for standard ACH moves to linked external bank accounts, but fee policies can change. Review the fee schedule in the One app or on one.app, or contact customer support, to confirm whether any fees apply to your specific type of transfer.

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