Xbox All Access

No. Low monthly payments for Xbox All Access are only available through a Citizens One Line of Credit.

There are no application fees, no annual fees, no late fees, nor early repayment fees for your Citizens One Line of Credit for Xbox All Access. However, late payments may be reported to the credit bureaus.

Upgrading to the next Xbox console version is easy.

1. After making the equivalent of 18 payments, check your upgrade eligibility with Citizens One. (Note: If you purchased an Xbox One X during the holiday upgrade promotion, you may be able to upgrade earlier (see “What are the terms for the Xbox One X holiday upgrade offer?” FAQ below).)

2. Once you’ve confirmed that you’re eligible to upgrade, you may purchase the next Xbox console with a new Xbox All Access purchase from the same retailer where you made the original Xbox All Access purchase. New contract, terms, and pricing required for upgrade; monthly payments may be higher.

You will need to trade-in all products included in your original Xbox All Access purchase, including the Xbox One console, controller, and power cord when upgrading. Products must be in good condition in order to be eligible for trade-in and upgrade. You’ll receive a special kit in the mail allowing you to trade-in these products within 15 days of upgrading. For more information about requirements for trade-in hardware, please see the Xbox All Access upgrade terms at Xbox.com/XboxAllAccessTerms.

Xbox All Access customers have the option to upgrade after the equivalent of 18 payments and when the next Xbox console is available. (Note: If you purchased an Xbox One X during the holiday upgrade promotion, you may be able to upgrade earlier (see “What are the terms for the Xbox One X holiday upgrade offer?” FAQ below).) Please call Citizens One at the toll-free number at the bottom of the Citizens One home page www.service.citizensone.com for more information about the number of payments required before you are eligible to upgrade. Upgrade eligibility criteria can be found at Xbox.com/XboxAllAccessTerms.

If you purchased an Xbox One X between November 18, 2019 and December 31, 2019, you are eligible to upgrade to the Project Scarlett console in as few as 12 months. Upgrading to Project Scarlett is subject to its release and availability at the time you upgrade. Upgrade requires at least 12 payments on your original Xbox All Access contract, and purchase of a new 24-month Xbox All Access contract for Project Scarlett, expected Holiday 2020. Offer valid for original purchase of Xbox One X with Xbox All Access between Nov 18, 2019 and Dec 31, 2019; not available with Xbox One S. New contract, terms, and pricing apply. Requires return of console in good condition. Project Scarlett is subject to FCC rules and will comply with the appropriate FCC rules when available. See product and upgrade terms at Xbox.com/XboxAllAccessTerms.

Xbox All Access is an exclusive, standalone offer and can’t be combined with other offers, such as temporary price reductions or trade-ins, unless specifically stated.

Only one Xbox All Access purchase can be made per transaction. Some retailers may permit you to make multiple Xbox All Access purchases in multiple transactions; please check with participating retailers for their specific purchase policy.

Xbox All Access is available at Amazon.com and Best Buy and coming to more retailers in 2020.

For the best customer service, please call the toll-free number at the bottom of the Citizens One home page at www.service.citizensone.com.

Yes. A Citizens One Line of Credit lets you enjoy Xbox All Access for no upfront cost, a low monthly price, and 0% APR for 24 months.^{^}

A Citizens One Line of Credit lets approved customers buy a console with Xbox All Access for a low monthly price and no upfront cost.^{^} This Line of Credit offers you a fixed interest rate of 0% APR for 24 months.^{^} You will receive a statement each month, and Citizens One recommends setting up automatic payments in order to ensure that your bill is paid on time. There are no application fees, annual fees, early payoff fees, or late fees, however late payment may be reported to the credit bureaus.

Citizens One reserves the right to perform a credit inquiry as needed to determine Line of Credit eligibility.

Approved customers will receive a welcome email from Citizens One within two hours of their Xbox All Access purchase. It will contain a link to set up your account and enroll in the automatic payment program. It is recommended that the automatic payment program be used so that payments are received on or before the due date. For more information on your Citizens One Line of Credit for Xbox All Access, go to www.service.citizensone.com.

Citizens One provides an easy and secure way to view your Line of Credit information at www.service.citizensone.com. View your account summary, transaction history, and make payments using your PC or mobile device.

Yes. Once the next Xbox console is available, Xbox All Access customers are eligible to upgrade to the next Xbox console after making the equivalent of 18 payments on their Citizens One Line of Credit for Xbox All Access. (Note: If you purchased an Xbox One X during the holiday upgrade promotion, you may be able to upgrade earlier (see “What are the terms for the Xbox One X holiday upgrade offer?” FAQ above).)

Please contact Citizens One directly www.service.citizensone.com for more information on terms and services.

Xbox Game Pass Ultimate includes all the benefits of Xbox Live Gold, plus over 100 high-quality console and PC games. New games are added all the time, so there’s always something new to play. Enjoy exclusive member deals and discounts. Play together with friends on the most advanced multiplayer network and discover your next favorite game. Learn more at https://xbox.com/gamepass.

If you're already an Xbox Live Gold or Xbox Game Pass member, any days remaining in your membership(s) will be converted to Xbox Game Pass Ultimate at a conversion ratio when you redeem the 24-month Xbox Game Pass Ultimate membership and added to your Xbox Game Pass Ultimate membership up to a maximum of 36 months. Xbox Game Pass Ultimate memberships are limited to 36 months.

If you’re already an Xbox Game Pass Ultimate member, wait until your existing membership has a prepaid balance that is less than 12 months before redeeming the 24-month Ultimate membership through Xbox All Access. You will be unable to redeem with more than 12 prepaid months of Xbox Game Pass Ultimate.

To check your prepaid balance, go to https://account.microsoft.com/services/. Note, once converted to Xbox Game Pass Ultimate, Xbox Live Gold and other Game Pass memberships cannot be unconverted. Learn more at https://xbox.com/gamepass.

If you redeemed the 24-month Xbox Game Pass Ultimate membership prior to returning your Xbox All Access purchase, the 24-months of Xbox All Access Ultimate will be removed from your account at time of return. Note, once your existing Xbox Live Gold and/or Game Pass memberships are converted to Xbox Game Pass Ultimate, Xbox Live Gold and other Game Pass memberships cannot be unconverted. Learn more at https://xbox.com/gamepass.

Your 24-month Xbox Game Pass Ultimate membership is delivered directly to your console. Redeem it during initial console setup or later in the Settings app.

To redeem during initial setup:
1. Turn on your Xbox console and follow the guided on-screen setup instructions.
2. In the Account steps, sign in with the Microsoft account you want to use for Xbox Game Pass Ultimate membership.
3. On the screen titled This Xbox comes with, choose Xbox All Access and select Claim it. Alternatively, you can choose Decide later and redeem the membership from Settings using your current Microsoft account or another Microsoft account.

To redeem in Settings app:
1. Make sure you’re signed in with the Microsoft account you want to use for Xbox Game Pass Ultimate membership.
2. Press the Xbox guide button to open the guide.
3. Select Settings > All settings > Account.
4. In Account, select Included with this Xbox.
5. Select Xbox All Access, then select Claim it.

If you do not see an option to redeem your Xbox Game Pass Ultimate through initial setup and/or through the Settings app, contact Citizens One at www.service.citizensone.com. They’ll need to verify your Xbox All Access account and determine next steps.

No, anyone can redeem the membership on the console purchased with Xbox All Access.

With Xbox All Access, you are purchasing the console and the entire 24-month Xbox Game Pass Ultimate membership from the retailer at the time of purchase. The purchase is subject to the retailer’s return policy. Your purchase must be returned within 30 days (or less, if the retailer’s return period is shorter). Please contact your Xbox All Access retailer for more details about returns.

If a return is applicable to your purchase, and you return your Xbox All Access purchase, your account will be credited appropriately. If you have already made payments on your Citizens One Line of Credit for Xbox All Access, you will receive a check for the amount that has been paid. If no further purchases are made using your Citizens One Line of Credit for Xbox All Access, your account will be closed after a period of inactivity—usually 90 days.

No. The Xbox Game Pass Ultimate membership is included in the Xbox All Access purchase. You cannot cancel your membership and reduce your monthly payment.

With Xbox All Access, you own the console and 24-month Xbox Game Pass Ultimate membership outright upon purchase. The Microsoft Limited Warranty covers the Xbox console for one year (90 days for the controller and accessories), irrespective of the length of your financing term. If your console malfunctions after that one-year period (or your controller or accessories malfunction after 90 days), you would be responsible. Please note, monthly payments will continue until the remaining balance on your Citizens One Line of Credit for Xbox All Access is paid in full, even if your Xbox console is not working.

Your Citizens One account must be in good standing and you will need to trade-in all products included in your original Xbox All Access purchase, including the Xbox One console, controller, and power cord at time of upgrade. Products need to be in good condition. For more information, please see the Xbox All Access upgrade terms at Xbox.com/XboxAllAccessTerms.

To be eligible to upgrade, you must have made the equivalent of 18 payments and your Citizens One Line of Credit for Xbox All Access account must be in good standing—meaning you have made timely payments, you do not have any payments that are past due, and you have sufficient credit available to buy the new Xbox All Access console. (Note: If you purchased an Xbox One X during the holiday upgrade promotion, you may be able to upgrade earlier (see “What are the terms for the Xbox One X holiday upgrade offer?” FAQ above).)

There is no upgrade fee for customers upgrading from an Xbox One S or Xbox One X to the next Xbox console. Customers upgrading from an Xbox One S All-Digital Edition console will be charged a $20 upgrade fee. Upgrade requires a new Xbox All Access purchase and trade-in of the Xbox One console, controller, and power cord associated with the previous Xbox All Access purchase in good condition. New contract, terms, and pricing required for upgrade; monthly payments may be higher.

The Xbox All Access upgrade option allows you to upgrade from an Xbox One console to the next Xbox console only, expected Holiday 2020 (excludes Xbox One X, S, and S All Digital Edition).

Citizens One reserves the right to perform a credit inquiry as needed to determine Line of Credit eligibility. Depending on your account performance and transactional history with Xbox All Access, Citizens One may approve your new Line of Credit without your credit being impacted.

When you upgrade to the next Xbox console your unpaid months from the original 24-month Xbox Game Pass Ultimate membership will be removed from your Microsoft account. You’ll receive another 24-month Xbox Game Pass Ultimate membership as part of your new Xbox All Access purchase.

If you choose to upgrade to the next Xbox console and trade-in your current console in good condition, payments for your original Xbox All Access purchase will be placed on hold for a brief period of time until your original console is received. You will not need to make a payment on the original console during that time. However, if you delay returning your console beyond a period of 15 days, or if it’s not in good condition, the original payments will be returned to active status and you will be responsible for making all payment required to keep your account current and in good standing. If you choose to upgrade to the next Xbox console, but also keep the console from your original Xbox All Access purchase, you will continue to be responsible for making the required monthly payments on the first original console until the balance is paid in full.