Face ID never works, too slow
So transfers take 5 business days from external accounts, not 3 like it says online. And logging in on the app is a terrible experience. Face ID, even tho enabled doesn’t even make an attempt when you open the app, and half the time when you try to manually input everything it says invalid or account unavailable. Yet I can access on my desktop?
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Warning: Do not open account, they steal your money
One day I tried to make a transfer and it did not work, the app told me to try again later. I tried again several times for 2 weeks without success. I contacted customer support and they told me they don’t want do do business with me anymore, I said ok I just want my money. The rep said she could not provide any further info and hang up.
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Super easy to use app! Great rates!
Love this account with Citizens! With the app, it’s easy to pull funds from my primary checking account over to Citizens where I earn a great rate on my deposits!!
Easy money
I found Citizens by chance and decided since they are FDIC insured, it was a no-brained. My initial interest rate was competitive, but I had no idea they would be raising the rate not once but twice since I started investing with them. The process is simple, secure and easy. I’m so glad I bank with Citizens!
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A Lot of Room For Improvement.
The tiny credit union I’ve been a member at since I was 15 has a better app than Citizens Access. Since Citizens is entirely online I was expecting the same level of service in app but it falls short. Here’s a list of things my CU has that CA doesn’t:
1. A place to see transfer history with DETAILS about originating account and date made.
2. A place to see all previous check deposits made.
3. Access to printouts such as: Direct Deposit, Verification of Deposits, Account Activity Letters etc.
4. No place to dispute transaction in the app. You found something that doesn’t line up? Gotta call and wait an hour in the queue. And the resulting case will take them FOREVER to resolve 🫠
5. Can’t open a new account in app. Gotta login on a computer.
6. This is more an issue I have with CA not the app but no checking accounts which means no debit cards which means no way to get your money at an ATM. There is no easy way to access your money. Had an emergency and need money? Well gotta wait a few business days for it to transfer into an account you CAN access it in. Good luck if the emergency happens on a Thursday/Friday. Now you gotta wait a whole weekend too.
The literal only good thing about CA is the interest rate which is just barely worth all this headache.
1. A place to see transfer history with DETAILS about originating account and date made.
2. A place to see all previous check deposits made.
3. Access to printouts such as: Direct Deposit, Verification of Deposits, Account Activity Letters etc.
4. No place to dispute transaction in the app. You found something that doesn’t line up? Gotta call and wait an hour in the queue. And the resulting case will take them FOREVER to resolve 🫠
5. Can’t open a new account in app. Gotta login on a computer.
6. This is more an issue I have with CA not the app but no checking accounts which means no debit cards which means no way to get your money at an ATM. There is no easy way to access your money. Had an emergency and need money? Well gotta wait a few business days for it to transfer into an account you CAN access it in. Good luck if the emergency happens on a Thursday/Friday. Now you gotta wait a whole weekend too.
The literal only good thing about CA is the interest rate which is just barely worth all this headache.
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App easy to use but External Transfers slow
Use of the app is simple but is limited, as some activity needs to be done online. My only none app or online issue is the time it takes for an external transfer out, as FAQ states 2-3 days but customer service states 5 business days, not counting the day of transfer. It actually has taken 5 full business days. Transfers in take the same but begin earning interest on day of transfer. It is more about getting the money in a more timely manner.
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Bad Platform
I deposited $250 a week ago. They took the money early in the week. A week later it is still not showing up in my account. That’s not cool. If you take the money it should reflect in my Citizens Access account that very second. I’m likely going to use another platform. Oh and another thing, when you make a withdrawal, it takes at least a day. It’s not instantaneous. This is 2023. Get with the times Citizens Access Bank!!!!!!!
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UI friendly!
So far it has been very easy to use and I have started to prefer it compared to the browser version. IMO they could improve slightly by reducing the number of clicks to get to various areas.
So Frustrating
The app is supposed to facilitate one thing: transferring money in/out from other accounts. It can’t do that. The reason is they use Plaid for account verification. Plaid has duped everyone into believing that they are a reliable, business worthy servicer of accounts when they are, in fact, incompetent. My savings account isn’t saving me anything because Plaid is holding up verifications, just as it always does.
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Lazy and incompetent
What is with developers and companies leaving their apps undone and broken?
This app constantly has problems and has had them for months with obviously no attempt to fix them.
I can’t use Face ID because the app simply doesn’t respond when I turn it on. Just turns it back off. Check deposit is completely useless. Interface and UI is abysmal. Why is it so hard to just make it work?! Especially something as important as money?!
Boggles my mind. Why should I trust you with my money if your absolutely massive company can’t even be bothered to fix their user experience? It’s just dumb and lazy. I’ll be taking my business elsewhere.
This app constantly has problems and has had them for months with obviously no attempt to fix them.
I can’t use Face ID because the app simply doesn’t respond when I turn it on. Just turns it back off. Check deposit is completely useless. Interface and UI is abysmal. Why is it so hard to just make it work?! Especially something as important as money?!
Boggles my mind. Why should I trust you with my money if your absolutely massive company can’t even be bothered to fix their user experience? It’s just dumb and lazy. I’ll be taking my business elsewhere.
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