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I agree with another user, this bank is very poorly put together, and may very well be an operation in large part used to extract and sell people's personal information. I called customer service and had to wait for approximately half an hour. The service rep obviously was not professional and did not know hardly anything about the savings account I opened, spoke in an unprofessional way (unconfident, slang such as "ain't", constantly clearing of voice), and at one point gruffly yelled to someone in the background "I'm trying to help a customer right now; you're gonna have to wait!" During the sign-up process, I had linked by external Chase account and initiated the transfer of a small amount of money as a test. The money didn't show up in the accont until about 1 week later, and when no bank was listed under my linked bank accounts (this was the reason I called in). I was told that I would have to link my bank account again. You will see that you cannot log into your account from any of their sign in webpages. For some reason, only one of their webpages works. If you try to sign in from a device not originally used to sign up, you will get an error stating that the username or password is incorrect, rather than the opportunity to register the new device. If you are logged into your account, and then click on another browser tab, the account sometimes completely logs you out, but this only happens sometimes. When you submit personal information, they require a picture of your driver's license. All in all, there is something wrong with this bank. Even though the savings rate is high, I do not trust it, and will be closing my account.
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No mechanism to stop the harassing calls on my cell phone that begin with someone demanding to authenticate me (in order to harangue me for making a withdrawal). No mechanism to stop daily alerts that the spam filters miss. No mechanism to stop nonstop physical mailings related to home equity and mortgage offerings in NJ (I do not live in NJ). Finally, I was forced to close the account and that is fine - gives me an opportunity to find a better yielding online savings account.
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They have a limit of no more than 2000.00 a day transferred in and no more than 10,000.00 per month transferred in. Their customeer service is not very knowledgeable of this online account either. I wanted to close it and it had 2 cents in the account and they told me I needed to go into a branch to close an online account. I live in california they are no where in this state. Very Disorganized.
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They have a limit of no more than 2000.00 a day transferred in and no more than 10,000.00 per month transferred in. Their customeer service is not very knowledgeable of this online account either. I wanted to close it and it had 2 cents in the account and they told me I needed to go into a branch to close an online account. I live in california they are no where in this state. Very Disorganized.
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I opened an account here last year. I have enjoyed getting a rate that is above Marcus, Ally or any of the better known names. What I have not enjoyed is having my mailbox flooded (and I mean flooded) with absolute nonsense offers for credit cards, mortgages, and other credit products. I've tried to opt out and cannot. It is just a terrible waste.
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Had to apply 3x before finally being approved, was told to fund through a branch so it isn't really an online account (although it can be funded externally). Rate is attractive, but there are other banks with attractive rates and no nuisances. About 2 stars.
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I cannot believe that I opened an account online and read all fo the documentation and only then learned that I cannot get a single penny into the account without going to a branch. On the positive side, the account opening process was straightforward other than this.
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I will start with the good things. First, the phone support was easy to reach and the representative really tried to be helpful. That's it for the good things. Now the bad things. First, the website looks like it was designed by a 2 year old and the user interface is worse than any online bank or brokerage I have ever seen. I was trying to set my account up to fund externally and I ended up making all of my external accounts visible to Valley which may or may not create a security issue. Second, it ended up being impossible to fund the account through external ACH transfers, even though the website says that is how you fund an account. The rep says it just isn't possible today and that renders the account much less useful to me (and, I imagine, to most others). Third, when I try to contact online support with a question, I get a message saying that they have responded but I cannot even find their response. A response that I cannot see turns this into a phone account and not an online account. Overall, I would say that the intention is clearly there to have an online bank, but the effort is half-baked so far.
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STAY AWAY! It is a front to obtain and sell your information. I fell into the trap of thinking that the rate was attractive. On $100,000, it amounts to about $50 more than I am currently getting at Ally. These New Yorkers have all of my info now and I never heard from them. Tried calling and they have no knowledge of my application.
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I applied online, entering all of my information and received a confirmation of my application. I have a screenshot. Trial deposits were never received and funds never withdrawn. My money sat in the external account earning nothing while I waited. And waited. I called and after a lengthy hold was told that they had no record of my account. Based on this experience, i would said that it has an uncanny resemblance to a fishing operation that is trying to exact personal information, and does not at all appear to be a bank.
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AEM
Sep 18, 2023 |