I have been unable to link this card to my bank account. I can’t pay my bills with it or transfer the money to my bank account because it’s routing number isn’t recognized. I’ve called support multiple times and they open tickets, but I don’t hear back from anybody. ( UPDATE ) I still cannot link my card to capital one however I am able to pay some of my bills with the card because I can link to other bank accounts like Chase & Synchrony. * Yesterday, I took some money out of the atm to go physically put it in my bank account. I used the app to find an in network atm & was charged $3 because it said it was not in network. If it’s not in network, why does the app say it is??? ( UPDATE ) I received a $3 refund and the next time I used the ATM I went to a different location and it didn’t charge me any extra fees at all. * I’m just fed up with it. The app is glitchy & I constantly have the delete & reinstall to get into the app. It’s a nice idea, but it needs work. ( UPDATE ) I haven’t had a problem logging into the app in a few weeks. It hasn’t been acting glitchy at all. * If you’re just using it as a debit card then it’s probably fine. ( UPDATE ) Overall I find the app has improved as far as the glitches go. I haven’t had to uninstall and reinstall it in weeks. And Ive figured out a way to pay my bills online with it, so I’m much happier. (Update) I didn’t realize there was a difference between ATM locations and deposit locations until you mentioned it. Thanks for the information.

Based on reviews I had seen, I was expecting a lot of headaches from this app. At first, I wasn’t impressed since I received an email saying that my card is on the way but in the meantime I can use my digital card by downloading the app, but in order to make an account in the app, I needed my card info… I’ve only made one deposit (via bank transfer) so far, but it took 5.5 days (including Saturday & Sunday) to be made available. My other bank accounts have never taken that long so it was frustrating to have my money in limbo & unusable for so long. However, I used the card for the 1st time yesterday & the transaction was processed through promptly. I appreciate that I get push notifications about my current balance every morning. Also I’m actually very impressed with the fact that the cashback was deposited the very next day after the transaction was made. That fact alone almost made me give 4 stars instead of just 3, but there are still other kinks that need to be worked out before I raise my rating higher.

I had a fraudulent charge on my account. I called and they said they would close my card and send me a new one but I couldn’t dispute the charge until it went through not just posted. Very frustrating but whatever. I get my new card and two days later I receive a text from the “bank” saying they declined a transaction from the same company. It was charged to my new card! I called and they said I would have to keep my card locked and when I want to use it I have to unblock it then block it again after I complete the purchase. That is incredibly inconvenient. What if my phone is dead, or I don’t have it on me, or I have lost it? But, how was this company able to try to take an even larger amount out of my account if I have a new card number? The “bank” said that when the old card or number is used it just pushes the purchase to my new card. What!!?? How does that even make sense?? The “bank” didn’t even tell me this time that they were sending me a new card. Turning on the block then turning it off to use it briefly is their answer! How is that protecting your customer!!?? I will be closing this account when this all gets sorted out. It’s a shame because it was nice to get my direct deposit on it and have it separate from my regular bank account with Wells Fargo. Don’t use them if you want a secure account!

I just downloaded the app a few minutes ago, can’t say much about it functionality as the account is still very new. However, I like the user interface so far, hence the 4 stars. Would be updating this review in a couple of months.Few months passed, and here’s my verdict:The face login never seems to work even though I’ve turned it on several times. The text and email notifications on cash back can’t be turned off. Even though I have opted out of both several times, guess what, every time I earn cash back, the text and emails start again. Annoying. And most importantly, although this isn’t an app issue, but I think the methods of depositing and withdrawing from the account is not the most convenient and it’s literally costs you money to do either except of course you’re getting cash back from a store after making a purchase. Which kinds of defeat the entire purpose of the card. It’s definitely, not going to be an everyday card for me.