App Profile: Instant Financial

cherish marie sabotta

Rating: 5/5

I had just recently gotten this card, after our other cards had expired. And I have to say, this is significantly better than the other card. But with a few drawbacks in my opinion. One is that they give you the money that you earned, durning the shift that you had just worked. Like I like that they are always adding money onto the card, but it just makes me want to use it. And that money always goes toward our next checks. However! I do like that they give u an option for whether or not you want to take it. Another draw back, that I have not yet experienced, but have heard from other people, is that if your card has less than 400 dollars on it, there is a 5 dollar fee. Now that I don’t understand. If there is anyway I could get an explanation for that, I would be grateful. Well, thanks for hearing me rant on and on about it. I hope you see my message, and I hope to hear from you soon!

Former TD Bank user

Rating: 1/5

Update 2: 3rd or 4th interruption to daily use in less that 3 months.... can't use card, add money or check balance and right near Christmas too.... this really has me considering a new job just to get away from this card. Update: I saw your response, which was way late. Ironically you all fixed the issue within hours of me calling you out on the applications nonsense. Still seems like a temporary intentional ploy to get people to over spend that you fixed after someone called you out on it. Furthermore I shouldn't have to jump through hoops to get my balance IE the app should work consistently. Keep it right the first time and stop messing with people's money. Still do not recommend this app or company. Leaving my old review as is. If your job requires this: pick a new job Old review: The app used to update your balance every time you opened it. Now it will only tell you the balance as of the last time you received pay. If you withdrawal it remains the old balance setting you up to overdraw your account and pay fees. Seems pretty deliberate and like they set you up to fail. Actually considering changing jobs not to be stuck with this misleading system. Just seems very intentional that they want you to overdraw.

CocktailsAreMyArt

Rating: 1/5

My employer recently announced that they were offering (actually they didn't offer us the service, they just made it the only way to access our earnings). It was presented as a decision made by corporate solely to benefit it's employees. Instant access to our tips with any fees or headaches. None of us were excited about the introduction of the service this week. However, based on the literature we were provided, it seemed like it might not be a terrible idea. We were very wrong. First of all, the app it's self is slow, buggy & generally not well crafted. Most importantly, the promised lack of fees and quick/easy access to our $, turned out to be a joke. Transferring $ to an actual bank account can take over a week. Using the provided Visa Instant Financial card in an ATM to withdraw funds, results in a fee from both Instant Financial & my bank($2.50 from Instant & $3.00 from BOA). Yes, I'm sure their are some fee-free ATM's as they state, how can Bank of America's ATM's & most other machines owned by major financial institutions not be in their network? The only people benefiting from the services provided by Instant Financial, are Instant & the companies who force their employees to use those services.