Small Business BankReviews of smallbusinessbank.com

Was steered to this bank in 2014 by a private SBA loan "facilitator" that I now suspect probably was getting a commission. I have had nothing but problems with this so-called "bank" - poor overall performance doesn't even describe my experience. I had a business loan wi th them. Through the COVID pandeminc I was the one to find out the details of SBA loan foreberance/help programs.I was th eone sending them the links to SBA.org and pointing out what programs I qualified for. Then they interpreted the directives from SBA and failed to communicate the changes to me. Never call when they sey they are going to; emails take a while to be returned, when they are. I got fed off and paid off the loan on the phone, something I didn't want to do because I would have no paper trail. Couldn't do it online as I was used to since access to my account, like that of so many others who are leaving reviews, could not and STILL cannot be accessed as of the writing of this review. Having received no communications since, I checked my account and see that the payment has not being withdrawn. Now I am tryinig to reaxch the bank and I am being sent to voicemail any time I try to reach the loan department or the bank president. DO NOT DO BUSINESS WITH THIS BANK - they underperform, you will have a hard time reaching anyone to help you past the "customer service" rep (read "switchboard operator") and you will waste precious time from your life doing heir work for them. JUST. DON'T. TRUST. YOUR. FINANCES. TO. THEM.

HORRIBLE. I can no longer access my account (since early May). I have called a dozen or more times during the past few weeks and the call is not or cannot be answered. There so called upgrade "mobile app" apparently accessible only via cell phone replaced their previous computer based interface. I DON"T use a cell phone for my banking! Now I am locked out of any access to my business accounts.

RUN AWAY. I have been a business customer since 2014. This bank "upgraded" their online portal and app. I lost all access to every transaction. They offered to 'mail or fax' my past statements. Seriously? No access to anything online before March of 2021. The new system doesn't allow a transaction search or any detail. How is this allowed by the Feds in this day and age? Thier customer service has never been good, now it's horrible. Moved to Capital One

I started a new small business from scratch, and my friend recommended SBB because their requirements were simple and I was on a small budget to get started and didn't want to get hit with fees and minimums from the larger multinational banks. I have had an account with them for about a year or so, if memory serves. The website can be described as nothing more than terrible. It looks and feels as though it was designed to be accessed using Netscape Navigator on Windows 98 via a dial up connection. The pages are plain, and the user interface is cumbersome, slow, and difficult to navigate. The process to login is just ridiculous. Most banks offer multi-factor authentication, but SBB requires what feels like a 47 step process just to login. Enter your username, then select your security image, then enter your security question, then your password... I've worked in IT for 8 years and I can't imagine handing an interface like this to my end users. Oh, and if you mistype your password, you have to start all over from the beginning. Not helpful when you are short on time. The mobile app is just as bad as the website. It is glitchy, and loves to crash when you submit images of checks for mobile check deposit. I just had a check denied because the top of the check image was cut off somehow. I've been cashing checks using mobile deposit for a year, so I know better than to let that happen. Yet somehow this check was missing half of the top of it when it was submitted. I would be quick to acknowledge my mistake if I felt I screwed it up, but I take extra care when cashing checks on mobile deposit specifically to avoid this delay. Some of the other reviewers complained about phone support. I have called once or twice before, and I didn't have any issues. The service was reasonable and friendly. I don't think they are bad people. Perhaps they are understaffed. Overall, logging in to check my account feels like a chore, and it is a process that really shouldn't be that complicated. One last thing--I had a client in Italy send me a deposit for some voice over work, and I got hit with an unexpected incoming wire transfer fee. I believe it was like $30. I'm sure it is covered somewhere in the account sign up, but I guess I missed it. That was a little upsetting, considering I am the recipient of the wire, not the sender. None of my other banks do that. If you need a bare bones, no frills bank account, SBB is fine. But if you are going to have more regular account activity, I personally don't recommend it and I'll be looking elsewhere. UPDATE 5/7/2021: SBB called and asked me if I'd revisit this review once I got to check out their "amazing" new system they were raving about. I never got any email or communication from SBB explaining when the new system would be fully operational. I can't even imagine what it would be like trying to operate my business with no access to my accounts for this long and things were busy. It has been several days, and I just tried to log in to check my account. The old site still says "Under Maintenance." Well, I managed to find the link to the new system, and now it wants me to re-enroll my account and re-register as if I didn't have an account with them already. Seriously? You want me to do the work for you? Well, I tried to re-register, and it said it couldn't find my account. So I just called to close out my account permanently. The representative I spoke to doesn't even work for SBB, and it is blatantly obvious that SBB has farmed out their customer service to another organization that has literally no function in their business other than to answer the phone. They could not provide any actual assistance to me other than to "leave a message for the bankers" since they were leaving for the day as I called in. This type of behavior is not indicative of an organization that aligns with my standards in business, so that was certainly helpful in making my decision. I'm supposed to expect a phone call from someone at SBB next week. We will see whether or not they follow through with that. Very disappointing. UPDATE: I never got a call or anything from anyone at SBB. No call back, no email, and no secure message. It is almost as if my call never happened. So I went online and into my account, I sent a "secure message" and I got no response after two business days. I followed up with yet another message. No response. Finally, I found out from someone else that you can request your account be closed via the mobile app. So I had to download and set up their mobile app just to close my account. Only then did I get an automated confirmation that my account would be closed. I just cut myself a check for the remaining balance left in the account because I knew if I waited around for SBB to ask me where I wanted the money, it would never happen. Overall, don't waste your time. Take a look at NBKC Bank instead.

I have requested a debit card multiple times. Multiple times over the past 3 months they confirmed the debit card has been shipped out. They can't issue a tracking number but say that their processor Shazam will. I call Shazam and they claim they don't have a tracking number and to contact SmallBusinessBank. Simply passing the bucket. Find another free business account. This company SmallBusinessBank.com is a headache.

The chat communication on the app continues to have errors and it takes forever to actually speak to someone during business hours. They said one day the hold was 3 days for a check to clear and now 7 days for the check to clear and it still hasn’t cleared. Can’t wait to close my account!!! I pray that this bank isn’t a scam but it sure feels like it.

Where are our statements now? This new app sucks! I can only find 4/21? I need access to my statements immediately. Also how can an auto deposit(that I pay to get immediate....take days to post)?

Horrible. All my Bill payments come out as if I am either paying myself or my landlord. The app, which is the only way I can now pay my rent without an actual check is incompatible with a 1 year old Samsung phone. This is a terrible mess with no end in site. I hate to leave but I give it another 2 weeks to fix then I am out after 10 years, the changes are a business disaster. AS OF TODAY, STILL HAVE NOT PAID ME MY MONEY