JeniusbankReviews of jeniusbank.com

Awful company! Tried to apply for a loan and was called daily with a new task I had to complete (upload pay stubs, now upload 1040, now upload reference, etc.) and was still told my application expired after 2 weeks of working on it, and I even completed a required step the night before it expired because that was the day the step opened for me. They will do anything to not actually provide a loan or a secure account, but are fine with running a hard credit score and gaining an abundance of personal information. I was not denied based on credit score or anything else on my end, very frustrating to just have an application expire while waiting for Jenius to complete their steps.

Savings account application twice with no explanation either time. Calling the customer service number is useless as they can’t give you a specific reason. Also, be aware that daily withdrawal limits are in place and wire transfers are not allowed. This bank offers a seriously flawed experience for its applicants and customers.

Jenius bank should be reported to the federal comptroller for its banking practice .They obtain private and confidential information for a savings application and then without notice the application ends telling the customer that will be subject to approval. Later on they deny the application without a reason. What is the bank doing with the private confidential information? I called the bank and they put you on a waiting list. DO NOT APPLY OR TRUST THIS BANK. I will be filing a concern with the Comptroller.

Genuinely horrible and concerning experience. This is about the consumer lending side, not savings accounts and has nothing to do with being approved or declined. Their front line customer service agents are friendly and encouraging, however the follow through on the other side i.e. application department or whomever aren't doing anything. Twice I've applied for a loan, and twice the application expired through no fault of my own. I called in to confirm they had everything they needed just to make sure since I was getting daily reminders that they are waiting on something. The agents I spoke with each time, stated nothing was missing and they would open a ticket so that someone would look into it and reassured me they could see every document they needed. I still got reminder emails something is missing and finally a notice saying my application would close. Each time I called in, they said I owe them nothing and they would send a ticket to another team. When the last agent looked into the tickets, they said there were no completion notes. Only closed tickets. So someone isn't doing their job. It's shady and unprofessional. I never received an approval or a decline because the cases simply expired because of them, not me. This is all about their business process and lack of doing what they say they will do.

I applied for a saving acct, they sent an automatic response in minutes stating the application is in review. Four weeks later I called for the status of my application. First, the rep couldn't find the application, then when he finally retrieved it, he said it was denied because they couldn't verify the information I provided. He also did not know the banks email address, but I now see an email at the bottom of this review! At this point, I would never do business with this company, they don't accept any emails, so you must call them. This company has very poor communication skills and leave the customer hanging. Their loss for not having me for a customer, bad decision on their end. I'll take my 6 figures and go elsewhere, to some other bank that treats their customers with more respect.

I have been trying to close my account with Jenuis, for 2 weeks now. My account has been under review for 2 weeks and they keep saying 2-3 business days to release it back to you. It takes 1 business day to send money in this day and age. They advertise that you can move money in and out with no hold! This is not true! I am still waiting for my money to go back to my bank. The advertisement of easy, quick withdrawals...ALL LIES!!!

I tried to open a savings account with Jenius Bank and received a quick response - "your application has been declined" with no explanation. I called the 844 number listed and spoke with a customer service representative. The person said that some of the information I input did not match my information and that maybe I made a typo and to try again. I reapplied and was very careful in inputting my information the second time. I received the same message - "your application has been declined" with no further explanation. I have been at my same address, phone number, etc for more than 25 years with good banking relationships. I don't understand why a bank would decline to open an account and give you no reason. Hopefully others do not have this same experience. I will see if there are other banks offering high yields that are interested in my business.

Trying to contact this bank with a problem or question is like riding on a slow boat to China without wifi and needing to make a Call for information . I have called them several times over the past week to see if a deposit check I mailed 2 weeks ago had been received. I called the Customer service number 3 different days and was told each time that there were at least 100 yes 100 people on hold every time so I hung up and tried signing into the CHAT line - Try # 1 - 44 People ahead of me and a 2 hour plus wait. Try 2 - much better only 35 people and just under 2 hours- and today only 10 people ahead of me and so far I'm now #3 in the queue after 40 minutes waiting. None of this is 1st Class Customer Service and not worth the time and effort to either Open or Fund an account to me PLUS my check - sent specifically to their deposit only address is STILL lost and has had a STOP PAYMENT PUT ON IT.