GreenFi - Mobile Banking

The app I feel is clunky and does not show things that necessary align with how my money is flowing and doesn’t accurately portray this information to me as a customer, or to the people who work in the Aspiration bank office. This has become apparent to me over multiple different customer service phone calls in which I regularly feel like the people I’m talking to don’t know what they’re doing, which isn’t necessarily their fault; maybe the blame is more on the app developers. One such feature I am disappointed with is the mobile check deposit feature. The money sits in limbo for a very long time, and I get conflicting notifications. For example, on one such check deposit, I received an email from Aspiration saying my check deposit was rejected, while the next day I received a push notification from the Aspiration mobile app saying my check deposit was accepted and the money is in my account. The money however is not in my account and I have to redeposit it and wait yet another week to hopefully have money. Please align your systems. Make them accurate. Make them so people can access their money. Listen to and request feedback from your customers. And figure out how to handle money. As a bank, the most disrespectful thing you can do is mishandle somebody’s money.

I love this service. They’ve made so personally I don’t even use a big bank. I don’t even use a local bank or credit union. Linked with CashApp you can do everything. The direct deposit works well. The check cashing has worked every time. If I need to add physical cash I just do it thru CashApp, where you can go to places like Walgreens or many convenience stores. I’m self employed, so it’s all easy as all my cash comes digital anyways. The processing times are lightning fast. Not only that, any time I’ve had an issue, their customer service is super fast and responsive to resolve it quickly. I’ve only had a couple times where deposit was frozen for a day because of maintenance. The card is sleek. You can plant trees based on your preferences in plant your change, which rounds up purchases. I’ve planted almost 800 trees, and got $75 in rewards back. They also have a built in investment stock in red wood forests with great ROI. The savings account has better ROI than any traditional bank I’ve seen. The list goes on… they offset your gas with carbon credits with the pro subscription. The Allpoint ATMs are free. If I need cash, I just get cash back at automated terminal at grocery stores. Long story short. Plant trees. Fast processing times. Replace your big fossil fuel powered bank. Bank on your terms.

I had trouble opening the account because of the transition to the new bank, once it was finally opened after a year, I forgot that the opening deposit was from a bank that I had already closed. I promptly emailed support and they said it wouldn’t mess anything up with my account and just to re initiate another deposit from my other linked account which is active. One day later I received an email telling me that my account was locked, but was given no reason, only to send them statements from every account that was ever linked. The problem was the account that was closed doesn’t have a way for me to get statements online, otherwise I would have gladly submitted the documents. Also why if I was told that the failure of that deposit wouldn’t affect my account did it get locked before I even received my debit card. Upon calling customer service and explaining the situation to a very incompetent rep, I was told there was nothing they can do until they received all documents. How can I provide something I can’t get. I really wanted to love this bank but now will recommend to anyone and everyone I meet not to go near this bank. If I could give negative stars I would. Edit After about two weeks of communication back and fourth the account has finally been unlocked. I will be using you all as a secondary account until they earn my trust back, as I unfortunately don’t want to worry about access to my money at the slightest issue. Once my trust is earned back I may make you all my main account.