Review Time
If you are planning on trying to open an account, please do not. I have been with Jenius for some time, and it was great, but now I find out that I have a restriction on my account and cannot get the money out, and the investigation will last 30 days. I could lose my money. I am trying to help you as of 2/20/2026
If I could rate them lower, I would. I strongly advise against doing business with this bank. The customer service is inadequate. They are holding my funds and failing to process my transfer requests, even though I am adhering to their daily transfer limit. I will be filing a complaint with the appropriate authorities next.
Unacceptable Behavior. These individuals engage in unethical, illegal, and discriminatory practices. They exhibit a narrow-minded and petty attitude. Their actions foster an atmosphere that is unjust, exclusive, and unprofessional. Such behavior erodes trust, collaboration, and respect. It is crucial for everyone to uphold principles of integrity, inclusivity, and fairness. I urge a reconsideration of these actions and a dedication to creating a respectful and equitable environment for all.
Amazingly Happy with Jenius Bank. After a few months of searching I had multiple loan companies giving me an average of 15% up to 29% interest with a few offers near 11 and 12 with 2 interest rates including an average of $3500 origination fee. My loan payoff of $28000(which i was looking to refinance of $1006 per month) was already just above 15% w/an APR of 18.4. So I kind of gave up until I got an email about a month later from Credit karma which promoted Jenius bank. I never heard of them. The process was really smooth, Honestly don't remember having to upload any work related documents, but they did want access to my bank account, reluctantly I gave it to them as it all seemed legit. There was a bit of trouble with my face recognition on their system or more likely my android phone...so I called them and the customer service girl got me through it no problem. Within 3 days I got my $33,000 in my bank. It's just one simple interest rate at 10.49, No origination fee. My new payment is $619.47 per month. My credit score is about 718, and I make $73500 per year. So, It doesn't make any sense to me.....all these bad reviews. I've talked to 3 customer service girls and they are all so smart and helpful.
I am extremely satisfied with the service I received. After several months of searching, I encountered multiple lenders offering interest rates ranging from 15% to 29%, with a few around 11% and 12%, plus hefty origination fees averaging $3500. My existing loan of $28,000 (which I wanted to refinance with a monthly payment of $1006) was just over 15% with an APR of 18.4. I was about to give up until I received an email from a financial service promoting this bank. I had never heard of them before. The process was seamless; I don’t recall needing to upload any work-related documents, though they did request access to my bank account, which I hesitantly provided since everything seemed legitimate. I encountered a minor issue with the facial recognition feature, likely due to my phone, but customer support resolved it quickly. Within three days, I received $33,000 in my account at a straightforward interest rate of 10.49% with no origination fee. My new monthly payment is $619.47. With a credit score of about 718 and an annual income of $73,500, I find it baffling why others have left negative reviews. I've interacted with three customer service representatives, and all were knowledgeable and helpful.
This was one of my most frustrating experiences while trying to secure a loan. The representative who contacted me for information wasn't a loan officer and clearly struggled to understand my explanations. Despite having good credit and a solid income, they requested a document that my agency couldn't provide. I never received a call from someone knowledgeable to help resolve the issue, and ultimately, they canceled my loan after conducting a hard credit check. They lure you in with attractive offers but fail to deliver. I would not recommend wasting your time with this service!
I’ve never used this service, but their advertisements with sarcastic remarks like “Who uses a bank anymore?” don’t appeal to me. I still prefer traditional banking, as I value human interaction, especially when I have questions. Just yesterday, my spouse deposited a check for $10,000 and received $1,000 in cash back. My grandson even got a free treat—what’s wrong with that?
I recently paid off my account, but oddly, similar to another review, the bank couldn’t provide the total interest paid or my overall payments. They seem to obscure that information, and obtaining a statement is impossible. Additionally, I was charged interest daily rather than monthly. On top of that, I faced difficulties when attempting to settle my account.
There is a significant lack of clarity regarding the requirements when applying for a loan. At one point in the application, I was unable to proceed on my phone, which led to the cancellation of the loan process. I requested that they change the hard inquiry on my credit to a soft one. After waiting for ten days, I called and was informed they had made the change but provided no proof or confirmation number!
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