Netspend Skylight ONE Reviews

First off customer service is so bad! I’m only 16 and I had this bank for almost a year and In these last months I was getting money taken out of my account by someone from another state and I told them I didn’t spend and that wasn’t me and they told me they didn’t know and couldn’t help me!! The person took so much money from me on the account I don’t have anymore money and this was my primary banking since I’m not old enough to get something like PayPal. This is really the worst bank that you can bank with and it really makes me sad cs I’ve been trying to save up for a car and it’s impossible with skylight when a random person can take money from me, also even after there was no money I started getting so many decline fees so I just paused the accounts(I should have done that in the beginning) I tried to ask why they were given me these decline fees after I told them that this wasn’t me spending my money and the lady just kept saying “you Bought something” or should would say she didn’t know and only I can know and that they can’t help at all

NetspendSkylightONE doesnt even deserve a star. Ive been trying to get into NetspendSkylightONE for three days to try and close my account but every time i log in it takes 20minutes for anything to load or it just doesnt load anything and you have to constantly refresh NetspendSkylightONE . Customer Service is not helpful, there was a negative balance on my account and it is almost impossible to send money onto the card if you dont have direct deposit, which i dont because i stopped using the card. customer service keeps telling me things i already know instead of helping me figure out how to get money onto the account. I used paypal and the transaction was canceled. used it another time and the money sent but disappeared an hour later. tried sending money from another debit card and it says the bank doesn’t exist / the bank has my account paused. Its not worth it, if you have to use it, hurry up and find a different card to send your direct deposit to.

I don’t want this card. There are so many hidden fees. All the fees are so this company can make money off of low level service workers who don’t want this card in the first place. The boss pushed this card to solve a business problem and masked it as a gift. It’s not a gift it’s a service one no person would opt into but employees are forced into. This card is terrible tell your boss he needs to pay for the service not us the workers. Tell your company that we don’t want this trash we won’t our money and we won’t it without hidden fees without thousands of barriers and without terrible customer service. We are people and we just want respect not a card that taxes I mean charges poor people.

Update:

Thank you for the response that is sarcastic and demeaning in tone. I already have emailed you and I think it is quiet funny that this was responded to first over a real question I had about your card. Priorities right?

I don’t agree to the Terms & Conditions because I explicitly said I didn’t want to use this card to my employer. You know the part of your response that you explicitly left out.

We all have to make decisions in our life and everyone at this company is making a decision to exploit already vulnerable people and I will always hate this card and company and people in this company for doing so.

Believe me, if I could give minus stars I absolutely would. I’ve been a customer for over 8yrs, and rather enjoyed having an account with them. But recently, I tried to dispute two transactions of my account that ended up being fraudulent and instead of helping me, they denied the disputes and permanently closed my account. On top of all this, they permanently banned me from opening another account with them ever. When I attempted to get answers on two separate occasions, nobody could tell me why. I kept being told I would hear back within 24hrs from their fraud department. But never did. I did nothing suspicious. I did nothing fraudulent. I reached out to my bank for help, and they double victimized me. Why would I EVER want to open another account with a bank who treats their long term customers like this? Absolutely abhorrent behavior and customer service. I HIGHLY recommend NEVER trusting this bank with your money.

Customer service is overseas, they have ZERO capabilities since they’re not stateside and can only email requests to the departments (in the US) that you will NEVER be able to speak to. The only bank that I, or anyone else for that matter, have EVER heard to have a MAXIMUM deposit amount.

When demanded to provide documentation proving your deposit (same company that has sent countless deposits with NO problems) they will tell you you have until exactly 5pm CST to meet all of their demands or they will reject your direct deposit and hold it for up to 6 days. I called at exactly 8AM, conferenced my employer in to the call, got them the letter they demanded and yet it STILL won’t be released until THEY call both my payroll person and me to confirm once again. What happens when you call them? Either it’s a fast busy signal (70% of the time) or the automated bot will tell you to call back later and HANG UP ON YOU EVERY SINGLE TIME. The. Absolute. Worst. Ever.

If you want your payroll held hostage, these guys will hook you up!

Next call is to the Attorney General, one after that is the CFPB. Creating obstacles and limiting communication are the types of offenses directly related to predatory lending that results in enormous fines and much more. Creat problem, limit solution = Company Mantra

Despicable business practices and clearly failing their fiduciary responsibilities.

I work for arbys. My new card just came on Monday, it was working great that day. Today I tried ordering food but my card wouldn’t work didn’t think nothing of it. Today I requested a Lyft for work but for some reason my card wasn’t working again even tho I’ve already used it yesterday. I’ve tried calling customer service multiple times and stayed on the phone for 40min. I can’t even call to check my balance on my card it automatically transferred me to customer service even tho I didn’t ask. I’ve also tried setting a account online to check my balance but it says “something went wrong please call customer service” Now I have absolutely no way to get to or from work... especially in today’s crisis this IS NOT ACCEPTABLE.

I’ve be trying to resolve an issue with this so call bank for over a month with a charge that wasn’t mine and still haven’t received a refund. They came they could offer a “provisional credit”, but I want my money. After several phone calls and emails, I’m still waiting so when I get my money I’m definitely closing this card out.

UPDATE: I’m still trying to resolve this issue that happened in November and they are blaming me because I didn’t submit paperwork to get provisional credit. Let’s be real Netspend/Skylight, it doesn’t take two and half months to see that I didn’t make a charge and refund me my money. Then then when you email or call you get the same script, blah blah blah. I just want my money so I can close out this account.

I’m forced to used NetspendSkylightONE to cash out tips at my work. First of all, it’s slow and clunky but that’s not even the worst of it. Currently it’s telling me I am not allowed to transfer ANY MONEY TO MY PRIMARY BANK ACCOUNT. So my money is stuck in the skylight account. I can’t put it in my other bank accounts because of a cap of some kind. I just got off the phone with customer service and they told me: 1). Call my main bank (clearly trying to get me off the phone) 2). Let me put you on hold (I was on hold longer than I spoke to anyone) 3). Use an ATM machine. After an HOUR of being on the phone, their solution to this problem was “just take the cash out of an ATM machine and deposit it to your main account.” One star is too high.

It’s insane how hard it is to report a card stolen my card had been drained less then 24 hours ago my car was broke into while at work and the only I was able to cancel was my Discover card and I spoke with a live person the way any card should be I still seat with my card out there and none of my cards have answered and this card is the only way I get my tips from work. I have no choice but to keep this card but yes need a 24/7 way of us contacting when fraud is being done. It shouldn’t matter time or date or holidays.
A.A
Delivery driver

Just crappy by all means. I’ve been with this so called company for 4 years and I still haven’t seen any good updates. How about actually connecting with a actual bank that’ll support everything and everyone. Can’t make deposits anywhere and I should know because from South Carolina to Texas there’s nothing we can do when it comes to talking to these people. EMAILING DOESNT WORK, even if you talk to them on the phone they can’t help you out at all. Trust me when I say this DONT BANK WITH THESE PEOPLE. Money has been taken off of my account and I got a text message while at work showing my balance. 50 was taken off by who I don’t know but when I contacted them they said we can’t help you out sir. I have many more stories of anyone wants to know

I say for a while I’ve had a pretty good experience with them but things have changed. Someone got my info and made purchases out of state and I got alerts. I was able to pause my card and Skylight blocked my account when they noticed the transaction. After they text me to call and it took over 2 and a half hours to speak to someone. They told me everything is resolved and unblock my account. Of the two disputed transaction they only fixed one and I assumed they would fix the second later. I saw the bigger transaction restored to my account. I get up the next day to see If the second was restored and the first transaction was still taken out. Customer service needs work!

I started using this “bank” because my employer can direct deposit faster into this account than my credit Union. This is a terrible system. I’ve been disputing a double billing from my loan company. The company isn’t disputing the charges and would like to give the money back. However this “bank” is holding it hostage with absolutely ridiculous demands. Meanwhile when you call, you get someone that doesn’t speak English or is capable of understanding words of any kind. Also their mobile deposit is a joke. They won’t deposit anything. So I still have to use my credit Union to cash any paper checks. Why even have this account if it doesn’t do anything?

I’ve had netspend for 6 years and was told with the newest version I can cash my checks with a picture. NetspendSkylightONE keeps loading and saying I cancel or retry. Literally I’m going incircles should’ve never upgraded to this stupid all access. And pls don’t send me the automated msg that your sorry and can fix it by me visiting some bs site. Years of being a loyal customer, I’m over this.

I have been trying to get access to my card online and through NetspendSkylightONE for coming up on a week now. I have activated my card and been told my balance over the phone. That is the furthest I’ve gotten to having access to my funds. Every time I try and make an account or log into an account I’m just told to call (customer service number) but when I call I’m just told by the automated message to go through and activate my card again. I emailed customer service on Tuesday and still have not received a message. I regret choosing this as my form of payment. Worst service ever.

Used this as a pay card for my job for a year, and as my only deb it card. First off, the card itself is flimsy and wears out quickly. Second, NetspendSkylightONE is incredibly slow. Third, if you try to use a VPN with NetspendSkylightONE , it locks your card out.
My new job finally gives me a different better pay card, so I try to use the skylight check at a check cashing store, and they said this company gave them trouble in the past so they no longer do that. After a phone call, I now have to wait 3 business days to get MY money back. Ridiculous. AVOID THIS CARD IF YOU CAN!!!

This company is set up to only take in your money and make it difficult to get your money out without fees. My job is forcing me to use this to get my tips and mileage. You want to set up direct deposit to them, pay money into the account, or bank transfer into this, they can do that easily. Want to bank transfer out? You’re out of luck. You have to find one of their in-network atms, then go to your bank to deposit it. Any institution that plays you like this isn’t worth your time if you have a choice. Steer clear of NetSpend as a whole if you can

I’ve been with Netspend for years & was recently upgraded to the All-Access account. I am very disappointed that my app no longer supports my account & when I follow the link to NetspendSkylightONE Store to get the one that will it brings me right back to this one. It’s so aggravating & it has now locked me out of my account. Please update NetspendSkylightONE to include All-Access accounts or release an app that does. I hate that my money is tied up because I’m afraid of overdrawing the account.

Don’t know where to start about how buggy & just downright awful NetspendSkylightONE is. I generally keep my earning in my savings account, and the process of going through a savings transfer is so long because of how buggy NetspendSkylightONE is. It’s constantly saying, “something went wrong with the connection”, it’ll sign you out randomly, and even say you need to contact customer service because your account is locked when it’s not locked. They claimed they improved NetspendSkylightONE , but what they really did is mess it up.

Been with Skylight several years. Card works everywhere I need it too. No problems with D/D. N/P even with 2 pay checks for a short period. O/D service has come in very handy. Telephone customer svc has been decent.

Biggest problems now are:
- No ApplePay/GooglePay/SamsungPay
- No Secure Chip Card
- Not approved for Über, Lift
- Not approved for Venmo, ApplePayCard, Square, etc
- Can’t use for car rental
- Almost impossible to add non D/D funds since Walmart & CVS no longer support MoneyGram (M/G).
- M/G is a cumbersome ripoff, should allow Skylight deposit thru M/G App.
- Can’t find No-Fee ATMs, CashBack terminals are the only option
- No Photo/Check Deposit capability
- Other Svcs like Simple and Chime offer all of this and more.

Just download Chime. Hope you Skylight NetSpend people get your act together quickly.

You definitely deserve the 1 star just because I try to make a app account and there’s no option except the online login and when I try to make an account “something went wrong please call djduendowbdoe to give more information like who wants to give out more information if like the first amount of information wasent enough like u already got my favorite color what else you need ? My sexual orientation like 🤣 what’s wrong with this hoggie app ever since SkYlIgHt OnE took over Netspend it just wants me to go to chime 🤣

This card company ruined my paycheck money, I was ready to receive the next morning when all of a sudden my account it ineligible??? I sent in my documents, but they kept saying Over and over that I need an original copy??? Like seriously?? The card was working perfectly fine before, but out of the blue the card is ineligible??? What kind of service is this? I do not recommend this Netspend Skylight to anyone, whatsoever. At all. The customer service was dreadful as well. Disgustingly below average card service. Never again.

I love the design and I like NetspendSkylightONE my only thing I wish is that it had a widget so you don’t have to completely enter NetspendSkylightONE all the time to check your balance on the card or if you have a deposit hit ... I know you can get text updates about that stuff but it would be nice if there was a widget after all bank apps have them

i’ve never had a problem with it but i had an iphone 6s and switched to an iphone xr and it was much easier to access NetspendSkylightONE on the 6s because i had my thumbprint so i think that Face ID should be an option for iphone x users so it’s easier

Iv been using skylight for years it’s very convenient for me an my fiancée sense he works out of state we do have the text on so when money is used we both receive a text.. well that’s good an all but I’m highly disappointed that NetspendSkylightONE does NOT work any longer I go to log on it an says to contact customer service I contact them an they keep saying oh it’s not an issue on our end.. it’s been like this months it needs to be fixed

I’m now in Egypt I keep trying to open NetspendSkylightONE from my same cell phone I used in USA but it’s boot open even the website from my lap top not open I keep sending to the customer service about this issue and no one is helping it’s the worst app and worst customer service ever close your account if there is less than one star I will happily give it to them!!!!!

Make NetspendSkylightONE as good as the online version and I will definitely give 5 stars!

I never use this card I’m just scared to put my money on any app not knowing if there gonna try and take money out your card

So frustrating that after “upgrading” to an all access account I can no longer use my app! And the prompt to download the all access app just reroutes you to the same previous version I have! What app can I use to monitor my account now?! Certainly not Axos, which has no record of me having a BofI account!

I used the Skylight One app for several years with no problem. I was then asked if I wanted to join “All Access.” I did, now I can no longer use NetspendSkylightONE . It says I have to download a new app but when I click on it and it takes me to NetspendSkylightONE Store, there isn’t an app. Thanks a lot! Maybe I’ll go with Capital One 360.

NetspendSkylightONE stinks. 1. It has trouble logging in with fingerprint id. 2. Often it will not display my available balance when everything else shows, 3. requires me to restart NetspendSkylightONE to fix it.
This is a poor quality app equal to the task of representing a poor quality bank.
Take my advice.. change banks and be happy

I have being trying for the past hour to talk to a customer representative concerning my account and can’t seem to find anyone to talk, no email address then how can customers communicate with a whole company concerning their needs? CAN I DEPOSIT A CHECK AT ANY ATM OR NOT? Since I can’t deposit on the mobile app

Works just fine but really needs to have a mobile deposit feature like the netspend people get!