JeniusbankReviews of jeniusbank.com

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!

Jenius Bank would not let me transfer my own money and then when I called, they said they could not answer my questions about why I could not transfer and why my account was restricted. They then closed my account without my permission and would not tell me why even after I verified all of my information. I have no idea how I will get my money back or where it has gone because no one will answer my questions. Worst customer service I have ever experienced.

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.

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!!!!!

I tried to change my phone number.I needed to do so because I Neto get into my online account.I gave them personal information upon request.However I barely use this savings account so I couldn’t re all the date of the last deposit.I told them I want my money.They said no because I couldn’t respond to the last deposit . So they are keeping my money.I just filed a complaint with FDIC.Terrible customer service.

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.

Stay clear of them if you are trying to get a loan. You won’t get one. You will waste your time. They will only approve income with a payroll check. If you have any other income which you can prove but it’s not a payroll check it won’t be accepted. No exceptions. If you have a small business. Nope. If you have clients who pay you. Nope. They have a weird format to check your documents and then you talk to a person who refuses to listen to anything you say. Just avoid them! Horrible experience!

Just opened an account a few days ago with a $1000 deposit to run a test. They reflected my transfer from my bank within 24 hours. It has now been 4 business days and my deposit is still not available for me to use. I tried calling and it has been over an hour with no call back. Was told by a recording there was 5 calls ahead of me. How in the world can it take that long! Maybe they only have 1 customer service rep.! Will close my account as soon as they release “my” money!