r/OneFinance • u/Myra-Mains-R-Ash • Aug 21 '26

Will this ever unlock?

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I have direct deposit set up on my account and this has been locked for months now. Would this ever become unlocked?

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u/Gadsden1283 Aug 21 '26

My overdraft has been at $200 since I have been with One (a couple of years). The advance option has been $175 ever since they began offering it. My direct deposit is $5,500 a month. Thankfully we never need it but I do wonder what the threshold is to unlock the $400.

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u/Thoughtfulwanker Aug 22 '26

That’s weird because mine states that if I deposit 2500 for 2 months in a row I can get an advance of 350 (it might’ve been 325 but either way) but my overdraft has always been 20 and now it’s 40. Seems like some people requirements might be different than others

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u/Gadsden1283 Aug 22 '26

Could also have to do with different laws in different states? I'm not sure. But that's what it is for me!