# My Vault Card — user reviews > 82 indexed App Store user reviews of My Vault Card by Paycom, rated 4.70/5 from 5,704 ratings. - Source: https://appshunter.io/ios/app/my-vault-card/id1610606827/reviews - App overview in markdown: https://appshunter.io/ios/app/my-vault-card/id1610606827.md - Rating breakdown: 5★ 5,072 · 4★ 257 · 3★ 117 · 2★ 47 · 1★ 211 ## What do users think of My Vault Card? Overall sentiment: negative **Pros** - 🚀 Easy to use - 👍 User-friendly app - 💡 Ability to get paid early - 🔒 Secure account - 📱 Simple and straightforward **Cons** - 🐛 App crashes consistently - 🤖 Poor customer service - 💳 Withdrawal and transfer issues - ⏱️ Delayed deposit of paychecks - 🚫 Lack of key features like Zelle **Commonly reported bugs** - Login issues and error messages - Inability to access account and funds - Inconsistent app performance **Most requested features** - Improve app stability and reliability - Enhance customer service experience - Add more payment and transfer options - Faster deposit of paychecks ## Newest reviews (16 of 82) ### 1/5 — Trash *2026-03-01, version 1.0.8* Everyday pay is nothing but a big scam ### 1/5 — Card Closed. RANDOMLY TOLD NO MONEY IN ACT. Vault is obviously stealing money from customers *2026-02-13, version 1.0.8* Card randomly got closed. First call in. Stated it was escalated. Second call in. I was told my $400 in my account disappeared. I know the money was there prior it being closed. Now the person on the line is stating I need to dispute or call 911. NEVER TRUST THESE PEOPLE WITH YOUR MONEY. I asked what the transactions are and they said they cannot see it. I will be filing a complaint with appropriate authorities concerning this financial inst. ### 1/5 — I hate it here. *2026-01-29, version 1.0.8* Terrible customer service & i cant even access my check on the app. The code wont send to my phone i tried to turn my phone on & off and it still hasn't been sent. Then they keep saying use the email option to receive a code and yet theres no option for the email so now i have to wait 3-5 BUSINESS days meanwhile im getting transferred to 10 different people who can't help me but to just tell me i have to wait ... this is such an inconvenience. ### 1/5 — Disputed fraud charges DENIED! *2026-01-27, version 1.0.8* At all times for your car to get hacked, mine was hacked on Christmas with around $600ish charges from Uber eats from which I have never ever used!!! I have disputed these fraud charges twice now and they have not sent me proof of their findings of why denying the dispute like no picture of the Uber eats being delivered where it was delivered to IP address nothing! it is now January 27, 2026 and I still yet have not received any proof of a thorough investigation on all these charges that I did not make on my payroll VAULT Card! I have made a report to the CFPB! ### 1/5 — Card randomly got closed *2026-01-10* Card randomly got closed. Attempted to call them and I have been sitting on the phone in silence waiting for someone or something. No details or anything. I will make sure to always tell people to never trust them with your money as their customer service is horrendous. **Developer response:** Hello. Every user’s experience is important to us. We understand you're frustrated; however, we encourage you to continue to work with Vault customer service as they will be able to provide you with the most knowledgeable assistance to resolve your concerns. ### 1/5 — It’s a Scam *2026-01-06, version 1.0.8* This application absolutely sucks. They say early pay but you’ll still be waiting for your check even after it’s been processed by employer. The customer service is even worse feels like your talking to a scammer. They gave no help at all. Only tried this application due to Paycom Payroll. Overall it’s a terrible application. PayPal better. ### 1/5 — Money just disappears for 10 days *2025-12-27, version 1.0.8* Called vault and they say my money just mysteriously vanished. Takes 10 days for a ghost pending charge to clear. WOW. Watch out for ghost pending charges. Can’t make this up. Coming to you very soon. Delete this app asap. ### 1/5 — WORST !! DO NOT TRUST *2025-12-27, version 1.0.8* This is the worst bank you could EVER put your money in. They have horrible procedures, the WORST customer service. They literally lock your money up and then tell you, we can’t help you. Their customer service agents repeat the same sentences that do not even pertain to your problem. I really regret ever using them. Will be switching back to BOA, who would never ever treat their customers like this. ### 1/5 — Director of engineering, Marriott hotels *2025-11-04, version 1.0.8* The card is pretty good but the fact that you can’t transfer more than $1000 in a day makes it useless to me. I will be canceling it the first chance I get. ### 1/5 — Horrible *2025-10-02, version 1.0.8* PLEASE if your job offer this card to you do not use it this bank is a job and there customer service team is horrible and don’t communicate and have you waiting 3-5 days for letters and statements you won’t never get!!! DONT DO IT!!!!! ### 1/5 — Limited Access *2025-09-15, version 1.0.8* Not good explaining financial mishaps or transactions. ### 1/5 — Worst *2025-09-03, version 1.0.8* Terrible customer service ### 1/5 — Option *2025-08-15, version 1.0.8* Y’all should have a borrow option for people that get direct deposit something to help people like myself and make it to the next check ### 1/5 — Useless *2025-08-01, version 1.0.8* When I try to activate my card it asks me what my card number even though I don’t have it yet. I’ve called multiple times and they just say wait for physical card. I can’t figure out card number from username because I don’t know what it is. It’s an endless cycle. Why did three different people I talk to on the phone for this company ask me multiple times what my card number is? I told them what the problem was from the get go. I have an entire paycheck I can’t even use because I got to wait 7-10 days for the physical card. I can’t even transfer it to another bank account either. I hate visa payroll and will not use it again. ### 1/5 — Terrible app *2025-07-31, version 1.0.8* Took almost 2 weeks to get my refund back when it said 5-7 business days and it wasnt the store fault it was vault..they pay you your money when ever they feel like it at different or days DO NOT RECOMMEND ### 1/5 — Poooooooo *2025-06-04, version 1.0.8* Locked me out of 400$ ## Most critical reviews (10 lowest-rated) ### 1/5 — Not good *2026-08-13, version 1.0.8* This app sucks please use direct deposit. I’ve been trying to login for about 4 weeks and it’s not letting me i’ve reset everything. The customer support is even more trash. ### 1/5 — Absolutely abysmal *2026-08-04, version 1.0.8* My account was locked. I spent 20 minutes having to explain over and over that I needed the account to be unblocked. They asked me the same questions over and over. They put me on hold like seventeen times. They asked me if I had access to my virtual card, which I explained I didn’t because my account had been blocked and I hadn’t added that to my wallet yet. She then asked me if I had attempted to add it to my wallet recently. Like 0listening comprehension. ### 1/5 — The worst support *2026-07-27, version 1.0.8* I called several times to both white and black cards, none gives me a real solution simply that they are migrating data???? I didn’t know that we are in the 2000s and a data transfer took more than a week. They play with people’s time and money ### 1/5 — Cutting vault off *2026-07-19, version 1.0.8* Some how my card always get hacked. The app just stop working out of nowhere! Even the online website don’t allow you to log in & when you call they never know why! This is the most frustrating app ever ### 1/5 — App dosent even open stays stuck *2026-07-18, version 1.0.8* Stays stuck on logo screen can’t even log in ### 1/5 — App *2026-07-07, version 1.0.8* This app never opens ### 1/5 — Confusing financial app *2026-06-11, version 1.0.8* The available amount is the only one that actually matter however they add a sub category that’s completely irrelevant im pretty sure they’re only in business due to partnerships with companies if that is the reason that brought you here I recommend transferring your direct deposit to an actual bank as soon as possible ### 1/5 — Fraud *2026-05-22, version 1.0.8* I was robbed and I called to make a dispute and they weren’t helpful. I want my money back. ### 1/5 — Vault card malfunction *2026-04-23, version 1.0.8* The card never works it is to cheap made is what vendors say and you stand there trying over and over to use it to make purchases and it takes forever needs addressed asap ### 1/5 — Terrible card company *2026-04-04, version 1.0.8* I DO NOT RECOMMEND ANYONE TO GET THIS CARD. I got it through my job and its always an issue either with showing your current balance and showing all transactions as they are made. Available balance & Current balance never adds up. Now my money is mysteriously $0 for available balance when that is inaccurate. ## Most praised reviews (10 highest-rated) ### 5/5 — Wow *2026-07-31, version 1.0.8* For sure the best. Everything is simple but there’s so much to it… awesome thank you ### 5/5 — $$$ *2026-05-19, version 1.0.8* Card friendly services ### 5/5 — No fuss *2026-02-19, version 1.0.8* I thought it was going to be lots of headaches and worries about my money being stolen but I’ve been pleasantly surprised I’m still new to it but I like it I treat it like my real bank lol ### 5/5 — Greenskys Payment $162.00 *2025-12-07, version 1.0.8* The payment need to be released on the 6th of November, 2025 on time… ### 5/5 — Excelente *2025-05-10, version 1.0.8* Muy recomendable ### 5/5 — Excelente *2025-03-13, version 1.0.8* Servicio excelente ### 5/5 — Vault is great! *2024-11-22, version 1.0.8* Vault is great! Save or transfer. It’s a wonderful tool. ### 5/5 — No pay check *2024-07-18, version 1.0.7* Woke up to no pay check in my account ! ### 5/5 — Review *2023-11-04, version 1.0.1* Exceptional app 👍 ### 5/5 — Safe *2023-07-22* I’ve never had to worry about someone taking money out my account by hacking it and I appreciate it !! --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-08.*