JeniusbankReviews of jeniusbank.com

I've been with Jenius since February and have had no issues at all. The website is clean and easy to use and I've called twice and both times got a real person that was very friendly and got my questions answered on the spot! Many of the bad reviews appear to be from people that did not read the details of how the transactions work/time frames. One was just bashing it not being an in person bank, which is extremely unfair since they say in their review they don't have an account.

Unfortunately, I fell for this. Its an interest first bank. Every day the loan goes up and up. They collect all interest first before they begin paying the principle. IMO I feel like that should be illegal. I have a car loan and a bank loan and when I pay it goes down but with this bank it goes up. So you never feel like you are paying it off. Reason is its an interest first loan. Once you have paid all the interest then they begin the principle. You can pay extra but the point of the loan is to pay it off over time with the monthly. Yes, it does but only once theve collected interest first. Sadly, they dont care about you and they could care less what is going on. The banks that do this should be investigated and I wish the government would crack down on interest first loans.

My wife took out this loan, but I was right there. Over the years we have done a few personal loans from digital banks. We decided to pay off a few loans and 2 credit cards at 26.5k and it took maybe 30 seconds to get approved and not more than a couple of minutes to complete the process. The term and rate was very competitive. We've borrowed from Upgrade, Lending Club bank and a couple of others. Im not sure what the low rating are about. The loan proceeds were in our account in 48 hours. Setting up repayment with autopay was simple. I give Jenius a 6 on the 5 star rating. Someone complained or said why would you put money in a online bank, why wouldn't you? Ever heard of American Express Bank? It's digital. Transferring funds into the high yield account, or out is pretty straightforward.

I needed a place to shift some money. I wanted high yields yet to maintain liquidity. Jenius Bank fit the bill. Easy to open account, easy to set up online info. Was able to talk to a real person. Definitely 5 star

Racists and Bigots. Sona Tony Manjula Samineni-Pudota Sajith Nair Anish Jacob These people use unethical, illegal and discriminative activities. They are very small minded and petty people. Their actions create an environment that is unfair, exclusionary, and unprofessional. Such conduct undermines trust, collaboration, and respect. It is important that all individuals uphold values of integrity, inclusivity, and fairness. I encourage reflection on these behaviors and a commitment to fostering a respectful and equitable environment for everyone.

I will never be a customer of an online-only bank (who would even consider doing that?), so I'm writing a review simply for their juvenile advertising. Specifically, when they ask in their advertising "Who still goes to a bank?". Well,apparently, people who tried this weird banking idea and write reviews of this goofy "bank" will still be going to a bank, in person, with people to talk to. Who came up with this idea of online-only banking? Probably the same person who thought it would be cute and catchy to spell "genius" with a "j". Preteens probably think that's cool, but adults aren't looking for cute and catchy.

Amazingly Happy with Jenius Bank. After a few months of searching I had multiple loan companies giving me an average of 15% up to 29% interest with a few offers near 11 and 12 with 2 interest rates including an average of $3500 origination fee. My loan payoff of $28000(which i was looking to refinance of $1006 per month) was already just above 15% w/an APR of 18.4. So I kind of gave up until I got an email about a month later from Credit karma which promoted Jenius bank. I never heard of them. The process was really smooth, Honestly don't remember having to upload any work related documents, but they did want access to my bank account, reluctantly I gave it to them as it all seemed legit. There was a bit of trouble with my face recognition on their system or more likely my android phone...so I called them and the customer service girl got me through it no problem. Within 3 days I got my $33,000 in my bank. It's just one simple interest rate at 10.49, No origination fee. My new payment is $619.47 per month. My credit score is about 718, and I make $73500 per year. So, It doesn't make any sense to me.....all these bad reviews. I've talked to 3 customer service girls and they are all so smart and helpful.

There is no way to know the requirements ahead of time when applying for a loan. When I got to a point in app that I was unable to complete on my phone the loan process was canceled. I requested they remove the hard hit on my credit and downgrade it to a soft one. After waiting the 10 days I called and was told they did it but offered no proof or confirmation #!