Help and FAQs

To view your remaining loan balance, simply Log In to digital banking from OnePlace.bank. Your loan account balance will display on the main screen. If you haven't logged in to your online account previously, learn how to self-enroll here.

If you need the exact payoff amount, please contact us directly.

Our financing fees are incredibly affordable. Just contact us and we'll provide all the information you need to make an informed decision. 

Whether you want to know more about our affordable financing options, discuss payment plans, or explore financing alternatives, our team is ready to help. 

No, we are unable to accept credit card payments for business loan payments.

One-time additional payments can easily be made online or send a payment by check.

ONLINE: Choose whether the amount will be applied to the next monthly payment or applied as additional principal.  Make a payment now.

MAIL: Send your additional payment noting whether the amount is to be applied to your next monthly payment or whether it's additional principal.

Send payments to:  OnePlace Capital, 1920 Center Creek Dr., Fairmont, MN 56031.

No! If you choose to pay off your loan early, you will not be charged any penalties.

If you would like more information about your specific loan agreement, please contact us.

Your monthly payment amount will remain the same throughout the contracted period.

If you would like to make an extra payment, please specify how you would like it to be allocated. For example, you can choose to apply it towards your next monthly payment, make an additional payment towards the principal amount, or use it as a final payment towards the total amount owed. 

And, remember OnePlace Capital does not charge prepayment penalties so you can pay it off early whenever you choose!

Applying for your next loan with us is easier than ever. No loan fees and faster turn around time. Choose how you'd like to apply to get started. 

• Apply online. When you start with our application or from digital banking, you can log in to your account so your application pre-fills. 
• Email -- service@oneplacecapital.com. We'll promptly respond to your inquiry and provide next steps for completing your application.
• Call us -- 888.394.0186.

Interest rates are constantly changing with market conditions. Please call 888.394.0186 or contact us for further details.

Your monthly invoice or billing notice will be mailed to you until you:

1. Enroll in online banking. 
2. Log in and sign up for paperless delivery in the Document Center

After getting set up online, you'll receive an email notifying your billing notice is available online in the Document Center. Log in from your desktop or mobile app to view the notice.

Learn more about the enrollment process.

The routing number for OnePlace.bank and OnePlace Capital, divisions of Bank Midwest, is 091201643.

Loan account number: Loan account numbers will appear on your payment billing notice.

Bank account number: Deposit account numbers are available on account documentation received when opening your account.

First Time Check Orders

If this is your first time ordering checks for your OnePlace checking account, please log in to your account. You'll find the check ordering link in the main navigation.

Or, contact us directly:

• service@oneplace.bank
• 888.394.0186

Check Re-Orders

If you need to place an order for additional checks, visit this link provided by our trusted provider, Deluxe.

Re-Order Business Checks

Yes, we're a real bank. OnePlace.bank, a division of Bank Midwest, is a member of the FDIC, an independent agency of the U.S. Government — the Federal Deposit Insurance Corporation (FDIC) — which insures your deposits up to $250,000 per depositor.

Large Depositors

Avoid the hassle of working with multiple banks to insure your funds on large balances. Full FDIC insurance on deposits larger than $250,000** is available with OnePlace.bank's Insured Cash Sweep® (ICS) service.

This service has an accepted network of banks where we place your over-insurance limit checking, savings and money market funds. And, it tracks that your funds are maintained by Bank Midwest. You can enjoy peace of mind and the convenience of working with one bank.

Learn more about ICS protection by contacting us. 

**Limits apply.

Use of the ICS service is subject to the terms, conditions, and disclosure set forth in the applicable  program agreements. Limits and customer eligibility criteria may apply. ICS program withdrawals are limited to six per month when using the ICS savings option. ICS, Insured Cash Sweep, are registered service marks of IntraFi Network, LLC.

Use our OnePlace debit card fee-free in locations found across  the U.S. at thousands of MoneyPass® ATMs in the U.S and Puerto Rico. Find a MoneyPass ATM.

You can transfer money using an online banking service provided by your other bank or wire funds using the details found on this wire instructions sheet.

Sign up using your computer or download the OnePlace Basic mobile app. Find more details about how to enroll here.

OnePlace Basic is our classic digital and mobile banking service for monitoring your accounts and transactions. View statements and notices online, set up notifications and transfer funds between your accounts.

OnePlace Plus offers more advanced business features such as the ability to provide different levels of account permissions to multiple users accessing your account. Other services include Cash Management, Online Deposit, Positive Pay Fraud Protection and more.

Please contact us if you're interested in enrolling in OnePlace Plus or access to any additional business services.

With OnePlace Plus, you'll need to contact us, and we'll help you with reset your username or password.

Any time validation is needed for a High Risk Transaction, you are prompted for further verification as another layer of security. One verification option available is called a ‘Hard Token’. You don't need a physical token. Simply download the VIP Access app which acts as a virtual or soft token for a secure form of verification. 

These tokens change every 30 seconds making them hard for fraudsters to bypass.

1. Download the VIP Access app from the Apple App Store or Google Play on your mobile device.
   
   
2. Log in to your OnePlace Plus account.
   
   
3. Any time validation is needed for a High Risk Transaction, you will be prompted for further verification. To use token, select Hard Token from the Choose Delivery Method drop-down.
   
   
4. Open your VIP Access App on your mobile device.
   
   
5. Enter your Credential ID.
   
   
6. Enter the first security code displayed. In 30 seconds, another code will be displayed. Enter the second security code.
   
   
7. Click the button. This completes the initial set up of your token. Submit.
   
   
8. Wait for a third code to display, enter the security code and click the Submit button. In the future, only this screen will be displayed and you will only need to enter one security code for validation of high risk transactions.