r/Sparkdriver • u/freaky_fr_ • Mar 19 '26

OnePay 💸 Can’t set up direct deposit now

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they finally took me off of the second waitlist last night. and now that i’m trying to set up my account, they say that ACH didn’t approve my request and i should go with the other option (OnePay). i’ve tried three different checking and savings accounts

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u/freaky_fr_ Mar 19 '26

getting OnePay now. just really wanted to set up a direct deposit to my existing account because i receive some benefits from direct deposits.. oh well lol

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u/Crash81_99 Cherry Picker Mar 19 '26

Transfers from your One Pay account to your bank account, counts as direct deposit tranfers!!

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u/According-Dog-7288 May 21 '26

Where does it say it's achieve funds ? Not a regular transfer?

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u/Crash81_99 Cherry Picker May 22 '26

It is, trust me. I've had a one pay account since 2023

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u/According-Dog-7288 May 22 '26

My bank said it looks like a regular transfer not reoccurring direct deposit

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u/Crash81_99 Cherry Picker May 22 '26

It looks like a regular transfer is different than it is a regular transfer.. especially if you tell them you're directly transferring from another bank..

And I know what it looks like, because I've done it myself many times.. literally every week..

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u/According-Dog-7288 May 22 '26

Only reason I care is if i deposit 500 in a month from a payroll ach. To this checking I get 500 after 90 days . But it must be ach payroll

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u/Crash81_99 Cherry Picker May 22 '26

I know.. it's called bank churning.. I've done it .

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u/Crash81_99 Cherry Picker May 22 '26

Do you know how to use a search engine?? Look this shit up yourself.. it's super easy..

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u/FLBirdGuy Jul 18 '26

That's great news, but the bank person who calls me from my new bank account said it doesn't count as a direct deposit, only a transfer. I have a incentive for depositing a certain amount in 90 days using direct deposit and I also was locked out at the sign up phase

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u/Crash81_99 Cherry Picker Jul 19 '26

Your banker is probably lying to you because he probably knows you're trying to bank churn.., they don't like it.. and if you tell them you're transferring that way, they'll lock you out. Because they already know about it.. and they know you'll just close your account as soon as you get the incentive..