JeniusbankReviews of jeniusbank.com

Lol God knows what He is doing when you get denied by this bank. Be grateful that you dodged the bullet. I received a letter saying I had applied for a loan, which i never did. I do not allow hard inquiries by multiple lenders I did a rate check and they said I applied for credit. Mmm scandolous... so with a credit score in the high 700s,they reported an inaccurate credit score by Transunion, my credit score was 15 points higher than what was.printed on the letter. They said i had a RECENT derogatory late payment. Recent is six months. One late payment 4 years ago is not recent. I rarely used that card and forgot I had charged something small and forgot to pay it. Green check marks for the past six years on that account. THEN they wrote that I had a hign balance on student loans. Umm my student loans were discharged after I was deemed P&T by the VA. Balances on accounts are too high....hmm thats funny since I make extra payments on any account, never the minimum. So, my advice to anyone, to hell with shopping for good rates with these scrappy banks that have to have a play on words in their name. They do not review your history thats for damn sure. I called my CREDIT UNION that I have had since 1999 fresh out of boot camp, answered some questions on the phone. Got the lowest rate for that term limit, signed the promissory note that was emailed while I was still on the phone with the loan officer and BADABING, funded!! DONT trust these goons. Stick with your bank that you have been dealing with that know you are good and credit worthy as your score proves!

The initial set up (May 2024) was a bit cumbersome. But if you're patient and take the time to provide all the correct information requested, the benefit is worth the time to set up. The bank statements are simple and easy to read. I took $50k from my regular bank account, which was earning 0 .10 % interest and moved it to Jenius , which was initially offering a 5.5 % and when the market changed, it went down to 4.20% , which has continued to hold at 4.20% for over a year now. If you want a no frills, high yeild online savings account, with live support customer service, Jenius delivers.

I scheduled a funds transfer and shortly afterwards noticed some unusual activity on my account. I called and was told nothing was out of sorts and the funds were on their way to be delivered by the specified day. The specified day came, and went, and now Jenius bank is asking me to make another request for a transfer. They claim there is nothing they can do and offer no recourse.

It sucks it denies everybody application as though if it's some type of secret society or something I don't know cuz all my credentials were straight there's no reason why I should have been denied I think it is the worst bank ever

Do not borrow anything from this bank, my balance goes up every day by $10 and its impossible to pay off the loan, these are thieves.

Jenius Bank Bait and Switch on Loan Rate !! Needed a 20k loan for partial payment on truck purchase. Securing loan with home equity was the cheapest rate, did that got approval and the next day when go to close loan the rate is 2.5 % higher ! Oldest trick in the book, BAIT and SWITCH. Didn't bite. Told them to stick it, big waste of time.

One of the worst banking experiences I’ve ever had. I was bounced around between multiple departments, unknowingly and unnecessarily, giving them every single document they requested. I was told one thing, but after they ran my credit, the story suddenly changed. Mistakes happen, but not at the cost of my credit score. They set an unnecessarily short application window, which they wasted by calling me every other day for “one more” document—despite the fact that I had already provided everything. After dragging their feet, they closed my application because their own deadline expired, leaving me with a credit hit for nothing. I even confirmed with a rep that I wouldn't close. I asked it to be reopened but they ignored that request. Completely unacceptable. Proceed with caution.

Absolutely insanity! Go through the whole approval process and then they ask for bank statements, 1040 tax forms, w-2 forms and keep telling you they need more proof. Even when all documentation of salary matches what was submitted. They string you along. You can talk to people sure but no one has a real answer. No one will look at what you submitted or tell you what the issue is. Constant run around and horrible company.