Offer Term: February 1, 2024 - April 10, 2024

New customers who open a ONE demand deposit account (“ONE Account”) through Walmart.com or the Walmart app during the Offer Term can earn 10% cash back (up to $20) on their first purchase at Walmart that is made from their ONE Account within the first thirty one (31) days of account opening (the “Offer”). To be eligible for the Offer, you must access the One Account onboarding flow and submit your application through a link made available on Walmart.com or in the Walmart application. ONE Accounts opened through any other channel are not eligible for the Offer.  Walmart purchases are limited to purchases made at US Walmart locations and on Walmart.com.  

To be considered a new customer, you must not have previously opened or been an owner of a ONE Account. Consumers who purchase a ONE Retail Card, must complete the account opening process described in the ONE Deposit Account Agreement in order to be eligible for the Offer. If the account opening process is not completed, or if after completing the account opening process a consumer’s ONE Account  is placed into Limited-use (as defined in the ONE Deposit Account Agreement), that consumer is not eligible to participate in this Offer.

For purposes of this Offer, transactions from a ONE Account  for cash substitutes (e.g. sports betting, casino chips, money orders), gift cards, prepaid cards, financial services (e.g. check cashing, remittance services), or ATM withdrawals are not eligible for cash back. Additionally, purchases made at Sam’s Club, other affiliates of Walmart, or third party stores, vendors, located inside a Walmart are not eligible for cash back.

Cash back earned through this Offer will be deposited into Savings within fifteen (15) business days of completion of all eligibility criteria. As of October 10,2023, the Annual Percentage Yield (APY) for funds in Savings is 5.00% up to $250,000 for customers who either (i) received $500 or more of eligible direct deposits in the previous month or (ii) have a total daily account balance of $5,000 or more and 1.00% for all other Savings balances. If a purchase that resulted in cash back through this Offer is disputed, returned, or charged back, then ONE reserves the right to recover the cash back given in connection with that purchase. ONE will recover cash back from Savings, but if a customer has insufficient funds in Savings to cover the cash back amount, then ONE may seek to recover those funds from your other Pockets.

This Offer cannot be combined with other promotions made available by ONE. To the extent a ONE customer’s purchase meets the eligibility criteria of this Offer and another available promotion, ONE will determine, in its sole discretion, whether the Offer or the other available promotion will be applied.

This Offer may be modified or canceled at any time, with or without notice to you. If it is determined that you have engaged in or plan to engage in abuse or gaming in connection with this Offer, you will be prohibited from further participation in the Offer and forfeit any cash back that you have earned but that has not yet been distributed to you. ONE may issue an IRS Form 1099-MISC, or other appropriate forms relating to cash back earned through this Offer.