Jeniusbank Reviews

All good until you request a transfer

All good until you request a transfer of money to a verified linked account I transferred money from verified linked accounts and received a call that they needed my bank statement in order to transfer money back out to the linked accounts Upon requesting to close my account the customer service rep stated she didn t know if they would do a paper check and can t electronically transfer the money unless they have a copy of the bank statement They will not accept a statement redacted so transactions are not visible only the name on the account account number and routing number In speaking with representatives who VERIFIED who I was they had no problem talking about my accounts with me but not able to transfer money BEWARE OF DIGITAL BANKING BANK LOCAL

All good until you want to move your money

Tried to move my money out from the account to my linked account Had to request one off daily limit increase to 250k which is standard Told it will be reviewed and I will get an update in 1-3 business days That is not standard Unlike all other online banks this one has NO option for wire transfer at all Today is Day 7 no funds multiple calls in only to be told the same story Had to extend my escrow closing because of these clowns My other online banks no issues and great service Wealthfront My banking direct and Brio Your call if you like to be messed around a lot - bank with Jenius

Criminal operation

Criminal operation After running my credit check they demanded my tax returns I file jointly with my wife and I will not understand any circumstances share my wife s personal information Now they refuse to remove the inquiry form my credit score of 819

Awful company

Awful company Tried to apply for a loan and was called daily with a new task I had to complete upload pay stubs now upload 1040 now upload reference etc and was still told my application expired after 2 weeks of working on it and I even completed a required step the night before it expired because that was the day the step opened for me They will do anything to not actually provide a loan or a secure account but are fine with running a hard credit score and gaining an abundance of personal information I was not denied based on credit score or anything else on my end very frustrating to just have an application expire while waiting for Jenius to complete their steps

Bad Business Tactics

I applied for a saving acct they sent an automatic response in minutes stating the application is in review Four weeks later I called for the status of my application First the rep couldn t find the application then when he finally retrieved it he said it was denied because they couldn t verify the information I provided He also did not know the banks email address but I now see an email at the bottom of this review At this point I would never do business with this company they don t accept any emails so you must call them This company has very poor communication skills and leave the customer hanging Their loss for not having me for a customer bad decision on their end I ll take my 6 figures and go elsewhere to some other bank that treats their customers with more respect

Jenius bank should be reported to the Comptroller

Jenius bank should be reported to the federal comptroller for its banking practice They obtain private and confidential information for a savings application and then without notice the application ends telling the customer that will be subject to approval Later on they deny the application without a reason What is the bank doing with the private confidential information I called the bank and they put you on a waiting list DO NOT APPLY OR TRUST THIS BANK I will be filing a concern with the Comptroller

I tried to accept an offer that credit

I tried to accept an offer that credit karma offered for a small loan They kept asking me for proof of income and I provided all the information that you would use like paystubs taxes And they kept requesting more Their system is a bit complicated There were no email updates to check the status of the loan application I had to log in and call in to find out what the issue was I ended up going with another vendor for a small loan

Deposited 250K all at once not able

Deposited 250K all at once not able to withdraw it at one time Only in 50K incrementsThey don t tell you that upfront and I needed the money for a real estate transactionNow have to do 5 transations over 10 days WAITING FOR EACH TO CLEAR I got frustrated with the Fraud Dept especially after going round and round about the delay in transfers They have discretion about returning your money but when I told them I needed it for closing 20 days out they denied the lump sum transfer Then hung up on me If you don t mind you money being held hostage by all means deposit here