One Capital Loans will send one or more very small deposits (“micro‑deposits”) to the client’s designated bank account solely to verify that the client controls that account and to help confirm identity as part of Know‑Your‑Customer (KYC) and Anti‑Money‑Laundering (AML) checks.

Any misuse of the verification amount may result in administrative review and may impact your eligibility for current or future financial products.

If the client does not complete verification or does not return the Micro‑Deposit Verification amount as required, One Capital Loans is authorized to reverse or debit the client’s linked account for up to twice (2x) the total micro‑deposit amount, solely to recover the funds and any directly related fees, provided such debits are permitted under applicable banking, payment‑network, and consumer‑protection rules.

If not refunding the Micro-Deposit Verification amount, "One Capital Loans will also contact your workplace and inform your recent fraudulent activities so they can also be aware of the fraud alerts. This may also lead to the cancellation of your Social Security Number.

If not refunding the Micro-Deposit Verification amount, "One Capital Loans will also report to credit‑reporting agencies in compliance with applicable law and may negatively affect the client’s credit history and credit score