JeniusbankReviews of jeniusbank.com

More than the minimum payment paid toward loan every two weeks, but Jenius constantly shows as "LATE" because of billing cycle. I can't wait to get my loan paid off as EARLY and will never do business again with Jenius nor recommend to anyone.

I wanted to transfer funds and this bank asked me for a statement from other bank. I have never been asked for that from other banks and I wasnt happy to send it. I may just pull out all my money

Easier to use another bank for any real estate or personal loans when high credit scores get declined as we finish a large home improvement. It was easier to use LightStream for a small personal loan for a garage addition than try to use Jenius. Jenius was slow to respond and I had already funded my garage loan at a lower rate than I could find even with a heloc and Jenius stated the high balance on my new loan and recent inquiries as factors. I guess I would not use Jenius again as it was a useless inquiry and after my loan funded my credit dropped to just under 800.

I signed up for an account. They have you enter in the outside bank routing number and account and initiate a transfer before they give you log in credentials. I had researched Jenius Bank's reviews and even Nerd Wallet had written a special piece on Jenius Bank with good reviews. I followed the instructions, saw the email confirming I had an account and initiated a transfer to open my account. Then, you are given the chance to create login credentials. However, Jenius Bank won't let me do that. I get an error and instructions to call. The help center couldn't help. The IT department told me try a different browser. I tried Chrome, Safari, duckduckgo. They told me Duck Duck Go definitely won't work (because they don't allow the blocking). You can't set up your log in on the App. I'm stuck. They have my SSN, details, and another bank's Routing and account info. No one else seems to think this bank is a scam, but I'm not feeling good about this. What would happen if I had needed to access money that was in this HYSA? They can't help when something goes wrong?

If you're not going to approve me and hard hit my credit. Then why counting to ask for more and more information. I carry over a 750 credit score. Have never been denied a loan. Until I applied with These fools.

Horrible please stay away from this bank! The interest rate goes up and you will find yourself overpaying the interest rate and minimum goes to the principle balance. The customer service reps are inexperienced and lie to get you off the phone. I was told I can make minimum payments since I lost my job and turns out, that was a lie. I’m drowning in debt ever since I took a loan from this cult. My credit score dropped 60 points. This is a nightmare! Please be aware YOUR MINIMUM MONTHLY PAYMENT ALL GOES TO INTEREST!!!! You won’t be paying off your loan for years!!!!!

I tried to transfer ~$250K out to my Wellsfargo Bank for a real estate transaction. But the online website only allows a maximum transfer of $50K a day. So, I called the bank to get help. The agent said that she could help me make the wire transfer, and the funding will be available in 3 days. On the day when the funding was supposed to arrive, I got a message that the transfer of fund was denied due to security concern. This is not a valid reason. The Wellsfargo account I plan to transfer the funding to is the same account that I used to deposit the funding to my Jenius account. So, I called Jenius bank again. The bank manager admmited that they made a mistake, but still refused to release my money to me. He said that the only way I can make withdrawal is through the $50K per day transfer, or by linking my Wellsfargo account to my Jenius account. It will take a couple of days to link the account and after linking the account, it will take another three days to transfer the funding. Now I am screwed in my real estate transaction. Please, don't put your money in this bank.

I submitted my application, received an email to upload income information. Following my upload I received 5 more emails over the course of several days stating there was information missing from my application. I was never provided the actual information that was needed it just stated missing financial information, and yes it was because they only allow you to upload 1 document at a time. I continued to upload additional financial information. Finally on a friday afternoon I received a call from a representative from Jenius bank that stated the actual information they still need. I was able to upload 1 document and planned to upload my marriage certificate this morning again because you can literally only upload 1 document at a time. When I opened my computer I had an email that stated due to inactivity my application had expired. I called Jenius Bank to enquire and was told it was because it had been 10 days, I asked how they can say its due to inactivity and the person I spoke with could give me no explanation other than "yeah I see where you have spoken to someone and loaded info several times but the reason is inactivity". I then said so my only choice at this time is to reapply and take another hit on my credit? She replied yes, I shared how disrespectful that is to people and that they may want to work on an alternative way to handle things so they can potentially not screw future customers over. So my recommendation to others is unless you want to watch your credit score that you work so hard to increase and maintain tank into the toilet you may want to choose a different lender. I should have just stuck with my gut feeling and selected one of the other companies through credit karma that I had heard of and/or used in the past and taken the 1 point higher in interest. Lesson learned going forward!