True Link FinancialReviews of truelinkfinancial.com

Our agency just started using True Link to help over 300 people we are Rep Payee for get faster and more secure access to their personal spending. Their team was a huge help in getting everything set up in the True Link system, cards received and activated, and in answering so many questions on how to best serve the people we are payee for using the system reports, information and options.

I don’t like how it takes several days to make transferred money available for use.

Our mom moved into an independent living after selling her condo. With a little bit of confusion and trouble managing finances we didn’t want her to have access to all the proceeds from selling her condo, but wanted her to be independent and buy what she needs when she needs it. This has been the perfect way to keep her on a fixed income, but let her keep a sense of independence. We set up an automatic Draft to her True Link card once per week. There are so many other controls/limits you can use if or when needed but for now this has been sufficient and the perfect answer for us. She can easily see or call a phone number to get her balance. I, as the account holder, can easily go online and make a one time transfer if needed or adjust amounts.

So far so good. True Link was suggested by our elder law lawyer consultant. We waited until the last minute to activate it but am so glad we did. My mother-in-law, who has dementia tried to buy a plane ticket (not a good plan at the moment) and we have been able to put safe "guard rails" for her and her spending. It's only been about a week but we are so grateful already.

I am new to the True Link card and wanted to get up to speed as the administrator, before giving it to my son. The person I spoke with was very knowledgeable and helped explain the many features of the card. Very appreciative.

The idea of True Link is excellent, and it may actually turn out to be excellent, however, I am a new customer who set up an account for Mom's caregiver in November. The expected expenditures are low, however, yesterday, it was determined that a set of winter snow tires needed to be purchased. Today, the care-giver is going to get the tires. I wanted the care-giver to just pay for them when she got them, so requested the amount be transferred yesterday. Today, I see that the balance only increased by $250 (much less than the requested transfer amount). I called Customer Service and was told the following: 1) They set $250 as the max amount that can be transferred in until "several successful transfers" have occurred. This is established by their "finance department" and Customer Service cannot do anything about it. 2) I needed the money available for use today, and the only way to get around the "several successful transfers" rule is to send them a copy of Mom's BANK STATEMENT!!! and even then, the transfer would not go through today. Her bank statement is none of their business. I see no reason to show them a copy of Mom's bank statement. I thought that this service was there to serve the needs of their customers. This customer needs to have the care-giver buy tires today, however, that cannot happen, due to their rules, therefore, they are not any help, but a hindrance. There are already many hindrances in the challenging job of taking care of Mom, I thought this service would be a help, but it certainly was not helpful today and I am a very unhappy customer right now. Additional aggravation, coming from an entity that I thought would be helpful, was disappointing, to say the least. If things change, I will write another review. ***** UPDATE***** I am happy to report that the money originally intended for tire purchase is being returned to the account from which it came. I believe that True Link means well, and that they have put their financial guidelines in place for their own reasons which work for them. It would be good for them to CLEARLY (with no vagueness) explain their process ahead of time, so that one is not unhappily surprised by things. Updates from 1 star to 4 stars. Withholding a star due to the lack of clarity of their funds transfer process when signing up.

Worst experience with any financial institution overall ever. Incorrect categories listed on statements makes it difficult to track spending. Account easily hacked, over $200 in one week of unauthorized charges.

On Nov. 3rd the debit card our daughter was using did not work for our daughter. The reason was the cost exceeded the limit that was set. In trying to figure why the card was blocked, we found the vendor had changed names, which is why the card didn't allow the higher limit we had set for a few vendors. What an incredible experience I had working with True Link when resolving this issue. They added the new vendor with the maximum limit we wanted. Additionally they explained how we could accept a new bill in her account, even if it was over the limit. Resolving the issue was one thing, but giving me the information to resolve this if it should happen again was the most important part. Since we are relatively new to True Link, I must say that the customer service people have always been polite, prompt and positive. As a parent, I can't say how much I appreciate the service they offer our daughter. It enables her to be more independent with her money.