JeniusbankReviews of jeniusbank.com

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.

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 #!

This was one of my worst experiences when trying to get any kind of loan. The person calling for information was not a loan officer and obviously she could not understand what was trying to explain to her. Great credit and very good income but they wanted a document that my agency could not provide. Never received a call from a knowledgeable person to fix the issue and finally they cancel my loan after even getting a hard credit report. They tempt you with a good offer but then they do not deliver. Don't waste your time with this company!!

I’ve never used this Bank, but I hear their ads with their smart ass comment “Who uses a bank anymore?” I still use the bank just because I like having contact with other human beings, especially if I have a question. Yesterday my wife deposited a check for $10,000 and got $1000 cash back. My grandson got a free sucker, what’s wrong with that?

I just paid off my account, but funny enough—just like another review mentioned—the bank can’t even provide the total amount I paid in interest or my total payments. They hide that information, and you can’t get a statement either. You’re also charged interest daily instead of monthly. On top of that, they suddenly started giving me issues when I tried to pay it off.

Don't like them at all. I have a personal loan with them and they add interest and you will never see how much or how often. They don't even issue monthly statements . I have an open case with the FDIC as they are FDIC insured. I opened it a couple weeks ago and Jenius acknowledged, but haven't responded

My advice: DO NOT SEND ANY MONEY TO JENIUS BANK. YOU MAY NEVER GET IT BACK. From what I can tell, this pathetic bank often refuses legitimate withdrawal requests which comply with all the bank’s so-called policies. Their “customer service” people appear to have no authority to do anything. They will just repeat the bank’s usual BS platitudes about “looking into it” and “doing everything we can.” Jenius gets very poor reviews for a reason. AVOID THIS “BANK” AT ALL COSTS.

Well... I tried. I really liked what their marketing offers. But the actual mechanics of making it work are completely defunct. I tried to open a high-yield online savings account - twice. No email confirmation, so no User ID, etc. The second time around, I paid more attention to the process. Nope, no setup of a UserID. They did manage to complete the small withdrawal/deposit to my bank account, but that was the ONLY step that functioned. And it only functioned for ONE of my attempts. I tried this twice. Both times that I completed the process, it claims to have set me up a new savings account. Each attempt provided me with a new account number. But the second attempt - once I entered all of my same information - it didn't even recognize that I had already opened an account. So, yeah. Zero trust in this process. I know I could probably call them, and go through that whole merry-go-round of setup, and cleanup... but I shouldn't have to. Otherwise, what's the point in having an online account?