Improving Customer Service and Experience in the Banking Sector

Customer using bank card to pay online

When it comes to money, it’s responsible to make informed choices regarding who you do business with, especially in banking.

Entrusting your hard-earned income to an establishment isn’t something that you should do haphazardly. Consumers deserve a bank that offers competitive rates, innovative financial products, and quality services.

Unfortunately, the relationship between banks and consumers varies. As fees increase, interest rates decrease, and customer experiences decline, consumers become hesitant to trust the banks they have come to rely on. That’s why ONE has stepped on the scene and started to change the game when it comes to banking.

Introducing ONE

In 2019 in Sacramento, CA, ONE was established with a primary objective to simplify the lives and finances of everyday consumers. As more than just a place to store your paychecks and savings, ONE has gone above and beyond to exceed customer expectations and strengthen banking relationships.

Fee-Free Banking

Consumers love saving money wherever they can, and ONE makes that possible with its fee-free banking solutions. Account holders never have to worry about being charged for minimum balances, monthly maintenance, foreign transactions, wire transfers, overdrafts, insufficient funds, or ATM transactions.

3-Step Signup

Getting started with ONE is as easy as 1-2-3. Simply visit their site, click the “Join ONE” button, create your customer profile, verify your identity, and wait for your ONE card to arrive.

Add Funds With Ease

ONE provides its customers with multiple methods to add funds to their accounts. You can transfer funds from an external account, send a wire transfer, set up direct deposit, mobile check deposits, or through other peer-to-peer services like CashApp, PayPal, and Venmo.

Mobile Banking

Adding more banking convenience, ONE has an easy-to-use mobile app that provides 24/7 access and real-time alerts. Customers can view account balances, transfer funds, make payments, deposit checks, share account data (with authorized users), and more from their computer, laptop, smartphone, or tablet.

Pockets (Efficient Budgeting Tools)

Budgets are hard to stick to. While many apps already exist to make budgeting more manageable, not everyone wants to deal with multiple financial apps to stay on target. ONE has found an effective way to make budgeting easy, convenient, and safe for its customers.

Pockets are sub-accounts connected to a ONE debit card. There are three primary Pockets called Save, Auto-Save, and Spend. The Spend Pocket is where funds are received from various payment sources. The Save Pocket is an interest-bearing sub-account where customers benefit from an interest rate of 1.00% APY. Lastly, the Auto-Save Pocket is where ONE rounds up transaction amounts to the nearest dollar and transfers the change to accrue 3.00% APY.

ONE customers can also customize up to 99 Pockets to correlate with their monthly budget and expenses. They can create Pockets for everything from mortgage and utilities to groceries and pet care. When funds are deposited into the Spend Pocket, customers can easily divide the money into the necessary categories to ensure timely payments. Pockets help track spending, eliminate waste, and save money.

Customer Service At Its Best

That’s just the tip of the iceberg regarding. ONE also encourages its customers to reach out for white glove service, whenever needed.

They are available by phone or chat M-F between 8 am and 5 pm PST. Emails are also welcomed 24/7. They host a Knowledge Center where customers can self educate about ONE’s products and get their questions answered.

Finally, ONE has a strong internet presence on popular social media platforms, including Facebook, Instagram, Twitter, YouTube, and LinkedIn, where consumers can get tips, financial advice, promotional offers, and interact with their bank more personally.

When it comes to banking, ONE is making a difference. With high-interest rates, zero fees, easy account access, budgeting tools, and multiple communication channels, customers can finally let their guard down and get more from banking.

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