IB ONE Wallet

I have had several accounts in three different states in the past few years. The banking apps have been good in some and not so good for others. This one is my favorite. It is fairly intuitive and easily managed. Some of the newer features are very helpful with seeing how you tend to use money. Helps with seeing all my accounts from all my financial institutions, even credit cards, in one place. It has all the features you need for setting up payments, transfers, even mobile deposits. You can put in travel notices on you debit card so you don’t get questioned when you use your card out of state. You can even turn your card off and on when you want to. With all the hackers and fraudsters out there today, it’s great to be able to track your account in real time, any time!

I’ve made several attempts to contact customer service and each time, if I’m lucky enough to get someone on the phone and most times I’m not, they’re unable to answer my question. Time on phone the majority of the time is over an hour. I’ve made several requests for a copy of the agreement I signed when setting up the app, I still don’t have a copy. It looked like I was gonna be able to print it after I agreed to terms and I couldn’t.

(ExPECT 2 hr wait times if you want to customer support) This app is useful if you like wasting money and time because when you try to transfer any amount of money it will eat up your whole afternoon loading and sending error messages. When your tormented evening is over, you’ve not only lost the money you were trying to transfer but you can say goodbye to any plans you had the next day because, as a reward for being robbed of your balance, you can expect to spend more hours on hold in an even longer line than before thanks to your bank merging with a mega bank. Do NOT download this app if you are sending any serious amount of money or if you value your time whatsoever. They do not. I’ve gone through these issues multiple times and there’s really no sign of stoppage. Ever since I joined independent bank in 2017 it has been a downhill ride. Reduction in quality, customer service, and response time. It’s insulting banking with these clowns.