OpenbankReviews of openbank.us

Worked an entire Sunday afternoon to open an account and transfer money into it. Impossible. Phone app (required to proceed) just spins a wheel that never stops. They blocked a transfer from a major bank for no reason. Cancellation the next day took an hour since that required the phone app that never opened for me. What a horrible experience. Finally got the account closed and will NEVER TO RETURN to Openbank.

You cannot log in without using the app and if the app isn't working you can't even as so much as see your balance. Even the support line asks you to use your app before speaking with someone (though you can wait 2 minutes of silence in the menu to finally speak with someone). You cannot log into browser without app. can't use mobile browser either. App doesn't even get to screen where I can enter username. can't access my own money due to this issue. I requested to close my account Their Customer Support cannot give you a confirmation of the information discussed during the call and cannot confirm the closure of the account, they have no route for escalation to get to someone who can confirm that your account will be properly closed. You get an email the day after the support call saying your account "will remain open" even though you requested it to close. Most agents are nice but they lack any power to even send a email, text or any other confirmation. No other bank has anywhere close to a frustrating experience as this. Some of these tactics they have to obfuscate what is done are just downright evil and they are unapologetic about it. The HYSA is bait to get you into a crap service with crap support (not the agents fault they just really lack any tools). Majority of support agents are outsourced.

If I could give 0 stars I would. Please so not use this onlin bank. They made me feel like I was being scammed. I stopped filling out the application when it wanted me to provide my Real ID ( again) and social security card photo to download. It seemed fishy to me. It would not let me delete my application and they already have my ss & ID in earlier application process. I called customer service to ask them to delete my half completed application and the CS was polite but told me in order to delete my application I had to download those personal documents and finish the application in order to establish a secure online ID with my phone. Then they could cancel the account. What???? I asked to speak to a higher up to lodge a complaint and the CS person would not let me. I told them I would go on social media and warn people to not do business with them as a possible fraudulent scam bank. I sure wish I had read the other reviews. I am thankful I didn't transfer to them any money after reading the horrible reviews. There are many other online banks you should research and do business with instead of Openbank. I found Openbank & trusted Nerd Wallet and Bankrate since they gave great reviews & high star ratings. I will complain to those entities next and tell them to read the reviews on Trust Pilot. I am scared they do have my personal ID and SS and pray I don't become a victim of ID fraud.

Stay away from this bank -- They never told me that I can not fund the account tru Citibank. It was a waste of time and effort.

Openbank's invitation to apply in 5 minutes is a joke. After completing an extensive application process that requires downloading an app from the Google store, submitting several sources of confidential information (i.e.: front and back images of my driver's license, social security number and image of my ss card, along with email address, physical address of my residence and my telephone number), I received an email stating they would review my application and get back to me within 3 days regarding approval. While I did get an email the same day, my application was rejected due to their inability to verify my identity. So I called an agent with OpenBank to find out what was wrong. He stated that because my social security card had my middle initial only and my middle name wasn't spelled out as it was on my driver's license that they would not approve my application. He told me I would have to go back to the Social Security Administration to have them modify my card to include the full spelling of my middle name, not just my middle initial! That's ridiculous. I've had my same SS card for close to 60 years and never had anyone tell me I needed to get it changed so I could do business with them. I don't care what their savings rate is. I had the worst experience I've ever had with a financial institution just applying with them and trying to give them my business.

Sehr gut Service. Alles Prima. Empfehlen.

What these guys do is illegal. Withholding and restricting withdrawals without a reason, other than a blanket no-notice policy change. Complaints filed with BBB, Consumer Financial Protection Bureau, and Office of the Comptroller of the Currency. We'll see if the these agencies actual do anything.

There is fine print that they can block your account for up to 90 days and do not have to notify you or provide a reason. They will call me back within 3-5 business days to update me...