Jeniusbank Bewertungen 

Great experience .....fast.... from application to approval. Needed to change accounts for the deposit but system was not able. Agents try to help but could not. Make sure info on initial application is what you want. Overall a great experience though.

HORRIBLE
AVOID THEM
SCAM SCAM they are scam
Hard hit your credit and no answers you have to call them multiple times and they just asked for more and more documentation

Loan advertised as 9.9%. Looked at my statement today and I have been charged 25% interest. Representative said they also charge a $3.81 per day interest charge - nearly $120 per month in my case. Have written to the Consumer Protection Agency and will begin filing fraud charges with state and local banking interests and the Dept of Commerce tomorrow. I won’t stop until this illegal banking practice is fined. Predatory lending is illegal. Dont even consider using this bank.

Deposited 250K all at once...not able to withdraw it at one time. Only in 50K increments

They don't tell you that upfront and I needed the money for a real estate transaction

Now have to do 5 transations over 10 ? days...WAITING FOR EACH TO CLEAR.

I got frustrated with the Fraud Dept, especially after going round and round about the delay in transfers. They have discretion about returning your money, but when I told them I needed it for closing 20 days out they denied the lump sum transfer. Then hung up on me. If you don't mind you money being held hostage..by all means deposit here.

I use this bank for a savings for my daughter has high interest and let the money sit as long as you want. For other things I don't try to get a loan or not, to me if you keep money on there then you can get a loan from them, but if you keep small balance don't expect a loan. For me, great savings account.

Credit Karma suggested this bank. I loved the low interest rate & that it was a “karma guarantee” loan. However…
I’m a 1099, business owner. I’m not sure if they should change their “note gross before deductions” differently for self employed, but they insisted on showing more income or my application will ve closed.
More income can not be defined as a profit on selling a house, recent income reports (only in end of year tax format), or anything other than a W-2, Child Support or Alimony (which shouldn’t be considered guaranteed income, to be fair, as it’s sadly common that it goes unpaid).
I sent them my gross amount & they said it doesn’t add up. Yet, I can’t speak with a bank loan officer, only a representative, and they are not trained to explain why. They stated there’s no phone number or way to transfer to the loan department.
My credit is very good. I sold my house (yes, that lowered my overall score), and I wished to combine all my credit cards into a consolidated personal loan (not wishing to further my debt, just pay it off faster, 1 payment, lower interest). I’ve never been late on paying any loan, credit card payment, nothing.
I will say I’m an idiot for trying twice, only because I realized my old amount was still showing on Credit Karma, and I didn’t update it.
Because I can’t prove more income, even though I clearly stated what was gross, I’m being denied, with no way to speak to anyone, and now a lowered credit score from 2 hard pulls, & no way of knowing how to make it correct.
If I had known how to properly state my income (versus how they state to enter it) or had the ability to speak to someone in the actual loan department, so I could properly do such, maybe they would have more business or a fair recommendation.

I opened a savings account back in March with Jenius with very large sum of money. I set up the savings account because it outperformed any jumbo CDs I had. I had been using the account to withdraw small amounts on a monthly basis which, due to their great rates really paid for itself. After having this account for over 6 months, taking very little out, having matured CDs auto transferred into my account, they suddenly put a hold on a small transfer scheduled and marked it for pending for over 5 days. They did not send me an email, but I received a call from their Verifications department 5 days later saying that they needed a bank statement from the original account used to open the account from 6 months ago to "prove it was an account in my name". How would another well know bank transfer funds any other way and why wait 6 months?? That account was closed as all the monies were used to fund the savings account with them. They restated they needed that statement. I sent it to them however they still did not release the money. I was on the phone with them for hours. Then they told me, no wrong bank. They were going to hold the money I needed until the account I was transferring it to approved the transfer. On my part, I wanted the money sent another account in the same bank that I always get funds sent to. Then the story changed and they said it was now ok to send the money because they realized that it was the same bank so they could just take care of the transfer. The real killer....they confirmed the transfer to the WRONG BANK..the account that I closed to begin with!!! I pulled up my transfer with them, and I read them that the transfer was approved for the bank and account that I asked for not for the one I closed. Oh My G-D! I am looking for a new bank run by professionals who went to college!!!!

No experts to talk to: We started the process trying to get a loan through JeniusBank two weeks ago uploading documents through their online portal but never were able to speak to a loan expert. While their customer service reps are friendly, they don't know anything about loans and even when we asked to speak to a professional we were told we couldn't. We discovered two weeks into the process after uploading documents every single day with requests to include information or omit information that the problem was my husband's information was on our joint tax return. They kept saying only one person can apply but then kept asking for documentation of all the income that showed up on the joint tax return only to turn around get upset all over again that it was included. It became a vicious cycle until I finally said no way are we going any further with Jenius Bank. Please be aware with JenuisBank even if you are married only one person can apply for the loan and if you filed a joint return, that apparently is perplexing for them. Also they did a hard pull of my credit during this process instead of saying they had all the information they needed first and then doing the hard pull. Other banks make sure they have that information first before they do it. This of course has put a ding on my credit and I now have to go with another lender and this could affect my interest rate. This was very frustrating.

Absolutely the worst banking experience of my entire life. I opened a savings account for the high interest rate. I then proceeded to deposit a substantial sum of money into the account. They flagged it as fraud. I had multiple conversations with the fraud department and gave them bank statements, and then my account was locked. I had no access to my money, could not login, could not get my money moved back to my bank, and could not close account while they claim they are concerned about fraud. There is no fraud, but they will certainly never touch my money again.

I am not sure what all the issues are with withdrawing funds from this account. I have made three, what I feel are substantial, withdrawals just under the daily limit and it took 2-3 days for the funds to hit my account. No different than the timing I get from my other on-line banking services. Customer support has been great and have been able to provide me an answer every time. It is nice to be able to pick up a phone and talk to someone vs. doing everything digitally.

I have a Savings account with Jenius Bank. Some people complain about the multiple authentication and wanting personal information. I believe that is there for your own protection. So far I have been able to make transfers flawlessly without any issues. It is as simple as it gets.

One of the worst banking experiences I have had with online banking (had HSBC, ING, Marcus, Capital One, and CIT).

They accept your money and then don't return it when desired. They put up all kinds of obstacles and claim its "pending review". This is after going through all kinds of authentication and the money simply going back to where it came from!

Update 8/30/2024: While I have not heard from anyone at Jenius, they are returning funds I transferred over there. Still questionable behavior towards the idea of "protecting" my money but at least the funds are either back to where they came from or on their way. Have not decided yet whether to do online savings with them or not because all the online banking venues get lousy ratings. BTW, all transfers I initiated were well under the $50K daily limit and back to the originating account. So, their fraud detection or security process is apparently woefully lacking. To top it off, they require a 2FA code for getting into the account AND another one for any withdrawals!

This industry needs serious regulatory review, including but not limited to, the agreements these shops had us "sign", use of arbitration rather than courts, and these silly security procedures that someone came up with that make no sense. There is a reason why the participants in online high yield savings have lousy reviews!

Criminal operation! After running my credit check, they demanded my tax returns. I file jointly with my wife and I will not understand any circumstances share my wife's personal information! Now they refuse to remove the inquiry form my credit score of 819!

Jenius Bank would not let me transfer my own money and then when I called, they said they could not answer my questions about why I could not transfer and why my account was restricted. They then closed my account without my permission and would not tell me why even after I verified all of my information. I have no idea how I will get my money back or where it has gone because no one will answer my questions. Worst customer service I have ever experienced.

I tried to accept an offer that credit karma offered for a small loan. They kept asking me for proof of income and I provided all the information that you would use like paystubs, taxes! And they kept requesting more. Their system is a bit complicated. There were no email updates to check the status of the loan application. I had to log in and call in to find out what the issue was. I ended up going with another vendor for a small loan.

All good until you request a transfer of money to a verified linked account. I transferred money from verified linked accounts and received a call that they needed my bank statement in order to transfer money back out to the linked accounts. Upon requesting to close my account, the customer service rep stated she didn't know if they would do a paper check and can't electronically transfer the money unless they have a copy of the bank statement. They will not accept a statement redacted so transactions are not visible only the name on the account, account number and routing number. In speaking with representatives who VERIFIED who I was, they had no problem talking about my accounts with me, but not able to transfer money. BEWARE OF DIGITAL BANKING! BANK LOCAL!!!!!

I tried to change my phone number.I needed to do so because I Neto get into my online account.I gave them personal information upon request.However I barely use this savings account so I couldn’t re all the date of the last deposit.I told them I want my money.They said no because I couldn’t respond to the last deposit .
So they are keeping my money.I just filed a complaint with FDIC.Terrible customer service.

Tried to move my money out from the account to my linked account. Had to request one off daily limit increase to 250k, which is standard. Told it will be "reviewed" and I will get an update in 1-3 business days. That is not standard. Unlike all other online banks, this one has NO option for wire transfer at all. Today is Day 7, no funds, multiple calls in, only to be told the same story. Had to extend my escrow closing because of these clowns. My other online banks, no issues, and great service. Wealthfront, My banking direct and Brio. Your call, if you like to be messed around a lot - bank with Jenius.

Stay clear of them if you are trying to get a loan. You won’t get one. You will waste your time. They will only approve income with a payroll check. If you have any other income which you can prove but it’s not a payroll check it won’t be accepted. No exceptions. If you have a small business. Nope. If you have clients who pay you. Nope. They have a weird format to check your documents and then you talk to a person who refuses to listen to anything you say. Just avoid them! Horrible experience!

Just opened an account a few days ago with a $1000 deposit to run a test. They reflected my transfer from my bank within 24 hours. It has now been 4 business days and my deposit is still not available for me to use. I tried calling and it has been over an hour with no call back. Was told by a recording there was 5 calls ahead of me. How in the world can it take that long! Maybe they only have 1 customer service rep.! Will close my account as soon as they release “my” money!