ONE VIP Visa Debit Card – The Unapologetically Black Card that rewards you for your  lifestyle.

Get more out of your everyday purchases.

Use your ONE VIP Visa Debit card for all your qualified everyday purchases and earn extra points by spending with your favorite brands and select Black owned businesses. From groceries to fuel, utility bills and ride shares, to your favorite entertainment streaming subscription services, get more out of your everyday purchases.

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$7.95 per month. Boom. No minimum balance, no overdraft fees. Ever. For a full list of fees, see our Terms & Conditions.


Don’t wait for your paycheck. Get paid up to 2 days early when you direct deposit to your pay or benefits to your One VIP Visa Account1. No waiting for your money, and no paper check to get lost in the mail. You’ll get paid as soon as the money is available — which is often up to two days before traditional banks.


Deposit cash directly at participating retailers nationwide. Use the VISA Readylink locator in your app to find a location near you.


Earn up to 1.5% cash back for spending at your favorite merchants, online retailers and subscription services.


To whom much is rewarded, much is required. Use your points to benefit charities doing great work in urban communities.


Set up automatic transfers from your primary checking account to your ONE VIP account.

1 Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

ONE VIP is digital banking that rewards you for a life well spent.

Spend with some of your favorite brands and earn points. Easy as that.

  • $7.95 per month
  • No hidden fees
  • No credit check
  • No minimum balance
  • No overdraft fees

Earn 1 point for every $2 spent on every day purchases. Earn 1.5 points for every $1 spent at your favorite brands like Netflix, Uber, Sephora and at select Black owned businesses. Your reward points never expire. Apply your cash back rewards to your ONE VIP account. Make a charitable donation to a worthy cause benefiting communities of color.

The ONE VIP APP makes mobile banking easy.

Quickly and securely sign in to our app. No need to type in your passcode when you can use your fingerprint. Whether you want to check your balance, access your rewards points or deposit a check, our mobile app has you covered.

  • Manage your money on-the-go
  • Add your ONE VIP card to your digital wallet to make in-store, in-app or online purchases using your phone
  • Choose alerts to monitor everything from available balances to unusual card activity
  • For simple and secure deposits use our mobile check deposit feature

Earn up to 1.5% cash back for spending at your favorite merchants, online retailers and subscription services.

Learn More About Rewards


As the Nation's largest Black Owned media company, Urban One has been Black America's advocate for the last 40 years. Through various media outlets, including TV One, Radio One, Global Grind, MadameNoire and many more, they create constant awareness of national disparities. One disparity that remains unchanged is the dysfunctional relationship between financial institutions and the black community. It's no secret systemic discrimination has led Black Americans to shy away from banks, creating a sentiment of distrust and unpredictability of a traditional banking relationship. As Urban One continues to advocate for the betterment of Black Americans, they created ONE VIP, a trusted digital banking service that is predictable, accessible and recirculates black wealth.

Black buying power in America is over $1.2 trillion dollars. Just like Black Lives Matter, Black Money Matters too. ONE VIP's Rewards program is focused on rewarding members for buying black; keeping black dollars in the black community.

Our aim is to create financial freedom for the Black community by connecting people with money, values and experiences. We believe in de-bunking negative narratives around money, simplifying daily money matters so we have more time for life's rewarding stuff.

Make everyday more rewarding.


For general card related questions or customer service:


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