JeniusbankReviews of jeniusbank.com

I recently got laid off with 100 others and have. Personal loan with this bank. I called to ask if the had exceptions program for exceptional circumstances? They said because my loan was not 9 months old they do not have a way of helping me. Really you would rather people default on a loan then work with them during a difficult time it’s called a Hardship exstention of the loan folks . I would have gladly paid the interest if they would have just moved one month payment to the rear of the loan. Nope they refused to work with me when all I was doing was pre active to a situation out of my control. This is why Jeniuse Bank is doing poorly and losing millions of dollars. There not Jenius at all they are idiots in the customer care department. So now they get nothing the customer takes a credit hit and the bank sells the defaulted loan to a credit department hintchman ? Jenius folks and absolutely 💯 Jeniuse your bank is sinking and you’re doing everything you can to help it sink . Best of luck folks .

Things were going fine on autopay until my dad died. I had to take a few weeks off work and got behind on some bills and my primary account was overdrawn to the point I had to leave my paychecks on Cashapp. No problem, right? Wrong. I cant link my cashapp account because they have red flagged them, and they won't take a debit/credit card number, account/routing numbers only. Everyone is spoke to was friendly and helpful the best they could, but the system in which Jenius takes payments is AWFUL. Its 2026, let my make a payment over the phone with the only form of payment I have available right now! Crazy you have to jump through hoops to try and make a payment. But oh, they dont charge late fees.

Initial set up was a complete farce. J###ing off between the credit union and getting authorization from Jenius was a joke. I now have an account that does not exist, which shows up in every log in because Jenius "cannot delete" that account. Finally got it working. First few transfer deposits went well. Then this weekend tried to transfer a sum from an account at the credit union (as it turns out the credit union does not allow transfers from that account so I will close that). THE PROBLEM is that Jenius Bank (no Geniuses there) decided this was fraud FOUR DAYS LATER and have bricked my accounts. Wait, WHAT? You are protecting me from fraud, but never even alerted me?!!! Now I will not be able to access any funds for at least seven more days due to their total incompetence. I give two stars only for my prior good experiences and the fact that the "customer service" is US based. IF YOU NEED ACCESS TO YOUR FUNDS IN A HURRY, DO NOT USE THIS EBANK.

I opened a savings account back in March with Jenius with very large sum of money. I set up the savings account because it outperformed any jumbo CDs I had. I had been using the account to withdraw small amounts on a monthly basis which, due to their great rates really paid for itself. After having this account for over 6 months, taking very little out, having matured CDs auto transferred into my account, they suddenly put a hold on a small transfer scheduled and marked it for pending for over 5 days. They did not send me an email, but I received a call from their Verifications department 5 days later saying that they needed a bank statement from the original account used to open the account from 6 months ago to "prove it was an account in my name". How would another well know bank transfer funds any other way and why wait 6 months?? That account was closed as all the monies were used to fund the savings account with them. They restated they needed that statement. I sent it to them however they still did not release the money. I was on the phone with them for hours. Then they told me, no wrong bank. They were going to hold the money I needed until the account I was transferring it to approved the transfer. On my part, I wanted the money sent another account in the same bank that I always get funds sent to. Then the story changed and they said it was now ok to send the money because they realized that it was the same bank so they could just take care of the transfer. The real killer....they confirmed the transfer to the WRONG BANK..the account that I closed to begin with!!! I pulled up my transfer with them, and I read them that the transfer was approved for the bank and account that I asked for not for the one I closed. Oh My G-D! I am looking for a new bank run by professionals who went to college!!!!