rapid!Access Reviews

by Jeff2232

This card will add a 20% tip to “restaurants” that aren’t even restaurants. I went to a drive three and was charged extra not from the drive thru “restaurant” but additional money was taken out of my card and it didn’t match up to my receipt from the food place. I called and they told me they automatically add a 20% tip to all restaurant purchases. It’s like what if you left a tip in cash and not on the card, not only will that employee get double tipped but it’s basically taking money out that you didn’t ask to be taken out! I’m a server and I totally don’t like this card at all! I used to work in a different restaurant that used instacard and that was amazing! Never had any problems with that card! It’s unbelievable what this company does with YOUR money!

by Derrekz

The card works fine , I use it whenever I need to cash out my earnings , the only problem is I can never check my balance unless I’m by an Atm or my actual Bank. The issue is that rapidAccess never ever lets me get into my account to easily access my balance , I put in the cards number multiple times yet it says there’s an error . My cousin (who has the same card / app) works perfectly fine but somehow mine doesn’t , I never put my account password because it never let me in the first place set up my account and whenever I do I can’t ever get passed the “error card number can’t be found” message ,downloading rapidAccess won’t guarantee login access , only other way to check my balance is to call the card and check it there but it charges you 3-6$ for a call which is pathetic

by Fina86

Multiple times money has been taken out of my account without my consent or authorization. And when you contact them to dispute the charges they make it seem as if you’re trying to get free money when you can clearly see that the transactions were made in a different state than the one you live in. If you guys go look up the reviews for this company, it has happened to allot of people. Some don’t even get their money back! I would not recommend this to anybody not even my worse enemy! If you get it from work get it transferred to a different card or bank that is more safe with your money! Cuz I promise you these cards are easy to hack! It’s very scary! Do NOT get money on this card. DO NOT USE OR GET THIS CARD!

by Egg20964

I was given this card for my new job I got a couple months ago. When the time came to receive my paycheck Rapid!access would not let the money go through to the card. I was sent an email saying I had to verify my id. Was told to make a copy of my license and then fax it. I called customer service a day later to see if they received it. They said I needed to include the customer id which the customer service agent from before did not tell me. So I faxed it again and called the day after and was told I need to enlarge the copy of my license to 200%, which I did and included the customer id with it and faxed it again. Called the next day and they said I needed to include a copy of my social security number. So I did it called the next day and was told I needed to make my license and social security card bigger when it was 200% enlarged just like they said before. So I did it again and called the next day and was told my license had to be in color. At that point I gave up and swapped to direct deposit. Horrible system and even worse customer service, I doubt their card doesn’t work any well either but I don’t know because I was never able to use it.

by JustinDixon

If I could leave zero stars I would. Went to transfer money to my bank account, no where did it say it would take 5 days to complete. When I called to find out why it was taking so long I was informed of this. Asked if I could cancel the transfer, was told yes. After 13 minutes of being on hold, the guy said the cancel was completed and that my funds would be available within a few hours. Well past a few hours, still no money. Call back, was told that you cannot cancel a transfer. So I was lied to by these non English speaking “customer service agents”. Horrible app and even worse customer service. Calling my company Monday morning and getting my direct deposit changed, along with highly recommending moving away from the rapid pay card!

by Knurcvo

This company, app and everyone employed by this company that I have had the unfortunate experience of speaking to is completely unfriendly, serve literally no purpose for it’s customer base and I don’t understand why they even have a customer service number. I’ve had nothing but bad experiences with this whole operation! I had my card stolen along with other items and in this technology rich age they lack the ability to transfer money that is rightfully mine from my paycheck to any other type of account! I also had to wait approximately a month or little longer for a replacement card for which no one had any empathy or did anything to help me definitely never entertained the thought of going the extra mile for a customer much less do Anything that remotely resembled customer service! I would Never use this company or Never recommend it to anyone who has employees that need services! This is probably the Worst company I’ve ever had to deal with and I hope and pray I never have to again!

by Xavy21

Worst bank ever. Sadly my paycheck ended up in this account and I had no other choice than give it a try. Nothing but problems so far. First, for every transaction they hold 20% of the amount to make sure there’s enough funds available to cover it, which makes no sense since they’re the ones keeping your money and the account doesn’t have overdraft protection. Second, transactions without the physical card show up in my statement, and now I have to wait for a temporary credit and 90 days for an investigation. Third, the card that they gave me didn’t have my name on it, making impossible to get the money out of the account using some apps. Fourth, by the card not having my name, some merchants wouldn’t even accept it. Fifth, by holding 20% of any transaction, you’re not sure what your true balance is and it gets too confusing making it uncomfortable to pay anything with it and not thinking if you have enough balance to cover both. If you get stuck with this by mistake, good luck as you’ll needed it!!!

by Tntst93

My employer uses this to pay my wages. Usually I transfer the funds to my BofA account and everything is fine. This go around I decided to only transfer half and then use the half that’s still on the rapid pay card. One day the card works fine but then the next day everything is declined. I can’t make withdrawals nor make any purchases despite it being perfectly fine the day before.

Multiple calls to terrible customer service who read from a script and don’t actually know what they’re doing and don’t even troubleshoot to help fix the problem. They tell me my card is active has sufficient funds and isn’t locked yet I can’t use the card at any atm I try. I keep getting told to try again in an hour yet still can’t access my money. If I could give rapidAccess zero stars I would. I’m also speaking to my employer about changing to a more reputable company because this one is terrible.

by Hardinsin

This card was provided by my employer. My account was frozen after the second time I sent money to my main bank account and was marked as potential fraud despite me sending it to the same bank account with my name on it (I HAVE MADE NO OTHER TRANSFERS). I contacted support that told me that I can use the website or fax to submit my ID, then I was told that the option to do so through the website was not available and that I could only use fax. When asked the first time I was transferred and put on hold, then suddenly was “disconnected”. Then the second time I was hung up on. The third time I called it was practically just a confirmation of what I need to do (wasn’t very helpful). Basically just told me to send my ID by itself to a fax machine with no additional information. I will be switching to check and cancelling my card. A paper check is objectively better.

by Sassyj373

The customer service is incompetent with this company. My account has been frozen multiple times and they keep wanting me to fax over my ID to them to unfreeze my account. It takes months at a time to get it fixed because they say they have some sort of “offline team” it needs to go to first but it takes multiple attempts to fax the information over for them to ever receive it. I would love to take every penny out of my account but even when i try to make a minimum transfer they lock my account and i have to do this whole process over again and my assumption is that they make money based on me leaving the money stagnant in the account for a long period.

I feel bad for anyone that has to deal with this very frustrating company and i hope they modernize there approach of dealing with freezing transfers.

by BigFansHK

The concept of rapidAccess and what can be done within rapidAccess is great.
HOWEVER- I can hardly EVER actually get past the “Authentication Fail” error anymore when trying to log in. It’s so freaking frustrating when you’re trying to get in to check your balance/transfer funds/look at recent transactions and you CANT because you’re fighting to get in.
I have had a rapid pay card for over 5 years. I have been an app user for at least 3 of those years. The error instances have always been a thing but they have increased significantly in the past few months!
Too often I have to open safari to get to the rapids website but it’s definitely not as easy to navigate through when you are needing to check your banking information quickly.
Please please please fix the bugs that keep this an ongoing issue. rapidAccess has so much potential!

by Hawbbs

I’m writing this review in hopes to hear back from the developers. My paycheck goes directly into the account associated with my Rapid! App/debit card. It has been a flawless system for at least the past 2 years but suddenly today I am no longer able to access rapidAccess . My money is sitting there without the capability to transfer the funds. I need to access my money to pay my bills so please, I need some help. When I click rapidAccess it just immediately sends a message saying “sorry, an error has occurred” and my only option is to press “OK” which in turn, closes out of rapidAccess .

by Lovingme923

I’ve been using this card for several months thru my employer and it works exactly how it’s intended too. rapidAccess lets me auto transfer a portion of my paycheck to my savings. I get my deposits on time. I like rapidAccess because it’s minimal but has enough features and account info to help you manage your funds. My only complaint isn’t with the mobile app per say, but, the bank itself. Since it’s a prepaid card, when you use your debit card to make purchases, the bank will hold additional fees while processing the transaction. The merchant is ultimately who initiates the hold, but the merchant decides to tack on a hold because of the prepaid type of account the bank offers. The mobile app does a good job of displaying the breakdown of the original total plus the separate fees and how many days the hold will last before the held fees are released back to your account balance. Lastly, when you have questions or concerns about your account, there is a real person you can speak to, anytime of the day and this contact info is available in rapidAccess . The reps are almost always foreign speaking and not the easiest to understand but I must say they have always been friendly, patient, and helpful. All in all, I am satisfied with the user experience and app’s interface.

by NatureBoii

The Rapid Access application on my iPhone is highly reliable and a secured app. The updates to ones account when you get paid or make any kind of transaction are exactly what I look for and require in a mobile banking application. The only thing I do not agree with for the account is the monthly maintenance fee but other than that it is a quality service app I haven’t had any regrets since installing rapidAccess to my phone and I’ve had for a little over 5 months now and I greatly appreciate it. The only thing preventing me from rating it five stars is that it doesn’t have a feature to pay you two days in advance for direct deposit checks

by 15 Year Cox Customer

This pay card option was offered by my employer and is a good route to go IF you don’t have or can’t get a traditional checking or savings account with a bank for direct deposit of your paycheck but they do not offer early direct deposit like a lot of other prepaid cards offer like Netspend or GreenDot and so on and they also do not offer the $200 overdraft option so like I said I think this should be a temporary thing until you can get a regular bank account at like TD bank or Bank of America or somewhere like that. This Rapid Paycard does however offer a savings account option but there’s nothing special about it. No over draft, limited transfer options and no early direct deposit so for those reasons I will give this 4 stars ⭐️

by Unnike Minks Ebb

I hate banks and that is why I continue to use this card that I got from a temp job a few years ago. It handles most of my needs. I love the new feature that I can login with my fingerprint on rapidAccess . The biggest problem I have with the card is getting cash without paying a fee. I think you get one free transaction after a deposit. But after that even with the unlimited debit plan you still get charged for an ATM withdrawal. I think that’s bogus if you’re paying for the unlimited debit so you should be allowed to get ATM withdrawals for free as well. Allow me a way to get more than one free cash with drawl and I would rate this five stars. Actually I just remember you can do a cash back transaction but the only options I’ve found for that is $100 at a time from Walmart. So you’re stuck doing many transactions to get the cash if you need more than $100.

by Sjduchdsh

I recently got hired for my first job and they gave me this because I had no bank account at first I was scared bc I had no idea how or what this card was but I’ve been using this card for a few months now and I can track my purchase at anytime I can get a fast and easy number on how much you got for the one way to go around fees is to go to any local 7/11 store their atms give cash out no fees that’s all I got to experience so far have a wonderful rest of your day / night .

by Jllggms

I can remember when I first started with rapidAccess and website; at the beginning of 2019. Both were awful to be honest. I could hardly ever get on, as the website was always having issues.
I can’t remember when that changed because that was time ago, but I can tell you that I love both rapidAccess and website! I absolutely never encounter an issue on either. It would be nice to withdraw money without getting two withdrawn fees. I have not found a bank they are affiliated with. Also, taking out $100 from Walmart or wherever when you do cash back counts as your one time free. Though you won’t be charged for those, if you use that as your first withdrawal, and then go to the back you are now on your second withdrawal. Aside from that, I don’t have any feedback. This card and one other card I have are my most used cards because going on rapidAccess as is quick, efficient, and makes my life easier.:)

by Taylor Swizzle

When I started my new job, this card was my only worry. I didn’t like that I had to move funds from a new, separate card to my regular bank account. However, everything about this card and app have proven to be pretty great. My first transfer to my bank took 3 days, standard. Every transfer since has been 1 biz day. That’s impressive to me, with no fee!? Unheard of. App is easy to use, easy to log into and navigate. Someone really did a good job on it. I have no complaints here!!

by ûnkñown

when i first starting using rapid access, i had problems receiving my money but it fixed snd ever since, i've been receiving my money and it lets you make your own savings account on rapidAccess snd keeps track of your money. When i get an email saying i get paid, it takes a couple of hours for the money to go in your account so if u get an email saying money has went in ur account, give it a few hours 1-5 usually and you'll get your money. great app and easy to use.

by LarriLarri

This is the absolute worst card invented. So much hidden information that a cardholder should be made aware of. For example, if you place this card on file for incidentals for a hotel stay the will not lift the hold for 20 days, or if you happen to receive a refund for a purchase they will not release the money back to you for 20 days this is their standard policy that they do not make you aware of.

by Frisk11062909

I could not login since last week, even if input the correct answer to the security question, it will say error, and account is locked. If you call the not so helpful Customer Service Agents, they will say “Oh it doesn’t look like it’s locked”. Just try again...
The only reason why I have this card is thru my Employer, but if I have a choice, I would never use this bank card at all!!!

by Larry 121

Take forever to refund any money on hold or refund. Customer service is useless and can barely understand them. I got it as a pay card from my job and had to pay everytime I got a deposit which is B.S. card doesn’t work at some stores, or online purchases and the money is on there. Have to try 2 or 3 times to get it to go through

by CLebJoyce

Rapid! Pay in general is a pain to use, and rapidAccess is no exception. Once it was easy to transfer money to a bank account, but now the option has been removed from rapidAccess (even though it shows it in screenshots) leaving you no options for getting your paycheck without having to pay fees. Rapid will try to fleece you and take advantage of the fact that they're holding your money. If you can at all avoid it, you'd be doing yourself a favor.

by Coleboto

Sadly, as my last paycheck, I received a Rapid Paycard that contained my final paycheck for the job I had at the time. After receiving this card, I immediately tried to transfer the funds to my personal bank account but was greeted by being locked out of my Rapid account and had to call to get it unlocked. I called the phone number on the back 3 different times in the span of 30 minutes, talked to 3 different representatives who told me my card had been unlocked and I could access my account, got me absolutely nowhere. To this day my account has not been unlocked and have given up on trying to transfer my final paycheck

by TheHonestReviewer1011

The most unreliable piece of garbage. Due to retarded circumstances i had to use this for 2 weeks. In these two weeks I’ve had nothing but problems. When I went to open my account, the authentication codes emailed to me wouldn’t work. When I called and asked for help, they basically said our system is bad and you need to wait 24 hours. After I finally set up the account every time I try to log in I get errors after errors. Sometimes I can’t access my account all day.

by Apple Lover2

Very low-performing interface. Where’s Touch ID???? Get with it! Refunds take waaaay too long. I’m also seeing a lot of transactions get refunded then processed again without my knowledge or request. Makes me not fully trust that my balance is accurate OR that I’m not being overcharged. Savings acct side is shaky. I had a savings acct but the first time I was unable to access my own money I closed it. Not okay!

Your phones at customer service need work as well. I hate when a phone computer demands my card number, date of birth, last four of social, etc. then the representative asks for it all again because the system didn’t populate their screen with the information I put in. Very annoying.

by Holly Lean

im very upset with this card holder, i made a month ago a transfer of 100$ to my chase account and nothing came on, so in less words i loss 100$, and when i call to the costumer service they dont solve my problem, they just tell that i have to wait, i have been waiting for one month!!! this is the last time i use rapid card!!

by Dombetancourt26

I feel the same way as bigfan. rapidAccess needs to fix these bugs because when I need to check my info I would like to check with no problems getting into it

by Burkuleese

This product has saved me a ton of money! There are no monthly fees, it has free bill pay, and a free ATM withdrawal in addition to unlimited free purchases at stores, restaurants, etc. It is so easy to use, I even got my tax return put straight onto my rapid! Visa card!

by H82WRK

I have been a cardholder for over 5 years. I received the card through my job and love it. Easy to use app, savings account with interest is fantastic. Only one problem ever and customer service resolved quickly. Great card and great company!

by Palms And Green Juice

Great app! Very easy to transfer money, all reviews saying that it is hard to use are people who don't know how to use rapidAccess or cannot read the directions. Or maybe they don't have a card. The atm tracker works well.

by MaxMan421

rapidAccess has worked perfectly for me, and I don’t understand the poor reviews. We can easily check my balance, find ATMs and instantly transfer my son money to his card. I love how easy it is to use!!!