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I’ve had this bank for a few months now and I CANT WAIT until after Memorial Day so that I can call and cancel. I signed up because of the 1% cash back on all signature purchases. I knew I was getting ready to make a cross country move and would need to buy an entire house worth of stuff, so this was perfect. Signed up in February, met all minimum requirement by 30 days. It’s May 28th and I still haven’t received a single interest or cash back deposit. I’ve contacted customer service at least 6 times now, via phone, email, and chat via this app. Each time they say they’re going to forward my request to be further investigation because I should have earned cash back by now. Haven’t heard from anybody in 3 weeks. Over $4k in monthly direct deposits plus checks, and at least $4k each month in signature purchases! Without cash back, this is just another bank earning money off MY money with no benefit to me. Thank goodness I didn’t close my old bank account.

Do not use this bank. Everything seems great and convenient at first but don’t be fooled! Their “processing time” doesn’t start from when you make a deposit or make a transfer from another account. It begins when they initiate the process. This can be 2-3 days later. I’ve had transfers take over week. Even after the money was removed from the other account. The final straw came today when after 6 months of making deposits, they decided that my hyphenated name wasn’t valid. The customer service representative refused to even acknowledge the fact that I had a reason to be upset by this random decision. He kept using the “I’m sorry you feel that way” line. I did “go Karen” and ask to speak to a supervisor and his response was that “there is no one he can transfer me to”. Now I have to find a new bank that understands that marriage isn’t every woman’s whole identity and we still have professional lives and names.

I like everything ok BUT transfers of monies from your account to a linked account take much too long. Hours If not days. That is too long. And I transferred my money from a goal keeper account (like a savings account) to my checking. It took days for my own money to transfer. I finally had to call. They didn’t offer me a reason why. The money appeared in my checking account moments after the call. I needed that money days ago when I first transferred it. Also, on another account I have with a competitor, when you send a check out, the monies are taken instantly from your checking account. NOT Radius/Lending Club. It’s kinda old fashioned. I do like the Goal Keeper feature. It is a way of setting a goal money wise and every pay day a portion is automatically put into that account. Sort of like a savings account but not really.