Pibank レビュー 

What a pain in the $#%# to not only open but to close your account. Phone app only....NO website, and customer service is a joke. Stay away....not worth the extra 0.25% higher rate!!

Horrible. So many issues. spend hours and couldn't even get an account opened. Called several times and their CS Rep were not helpful at all.

The application process was very finicky. The fact I had to scan a barcode instead of uploading all my documents in one secure place. Also, it timed out on me multiple times. When I got the rejection I didn’t think it would be a big deal because I imagined something went wrong when it timed out.

I called and they let me know that I entered something incorrectly. I asked if I could resubmit my documents with all proof and they said “unfortunately once you’re reject you’re rejected.” I said wouldn’t it make more sense if I could send all documents to an email? If this were an in person bank I would go in person and do that. He told me no, not possible. I asked if I could escalate it and he said he would escalate it with some department. I thanked him and he said “let’s just level set expectations. Your application got rejected. What we’re doing is called a Hail Mary.”

Doesn’t this bank want customers? Just another example of companies that don’t want business and don’t know how to run one.

Back-to-back experiences were, um, interesting to say the least, with customer service. One interaction went really well: the representative knew what he was talking about and he was able to inform me of Pibank's practices. The other rep, the guy that I spoke to just this morning (the result of which has caused me to write this review), was just the opposite: he didn't know about his bank's inner workings (lacked basic knowledge), he didn't put me in touch with a supervisor right away (I'm on a serious deadline with potential monetary penalties from the IRS), and he was completely apathetic as to my time-sensitive problem. Moreover, let me say unequivocally that the fact that this bank doesn't use ACH is a big problem. They're probably the only bank in the world that doesn't use ACH. It is an issue. I would definitely not go with Pibank if I were you. I'm going to have to consider where to move my money. Their interest rate is the highest in the USA (4.40 as of this writing), but all of these headaches are not worth it. They also don't have a website that you can use to bank with...only thru the app. Once you get your account set up the website is inoperable. I was told this was the case, it's not user error.

Horrible bank and they have absolutely no idea what they're doing. It feels like a scam. I'd RUN from this bank. Horrible in every way!!!

I am extremely disappointed with my experience using Pibank for my savings. I recently attempted to pay my son’s school tuition using my account, only for the payment to be declined as a “non-transaction account.”

Because Pibank does not support standard ACH debit/pull transfers from their savings accounts—a fact that was not made clearly evident during the onboarding process—the tuition service charged me a **$30 failed payment fee**.

To make matters worse, when I tried to resolve this via the app’s help menu under "I have a complaint," the app **crashed repeatedly**. I spent a significant amount of time typing out the details of my issue, only to receive error messages every time I tried to hit send.

**Summary of issues:**

- **Inflexible Account Type:** The account is classified as "non-transactional," making it useless for direct bill payments or tuition services.
- **Unreliable Support:** The in-app complaint system is broken and crashes when you try to report an issue.
- **Financial Loss:** Their lack of transparency regarding ACH restrictions led directly to a $30 penalty from my school.

I would caution anyone planning to use this account for anything other than "stashing and forgetting" money to look elsewhere. A bank is only as good as its accessibility, and right now, Pibank is failing.

I just wasted an hour and a half of my time trying to open an account with this bogus bank, which was requiring multiple biometric authentication which made no sense at all and didn’t work. Never had such a crappy experience with an online bank and I have three currently.

They give no valid reasons for application denial. They are the only Bank I have ever been denied at! There is something strange about that bank.

Don't bother with this bank. They have a ridiculous application process involving facial recognition which takes a long time, is prone to failure, and when it fails, which is likely, they have all your info and simply tell you there's no other way to apply. Scam. Would leave zero stars if possible.

I tried to apply for an account together with my wife. We had to scan our driver's licenses and then take a selfie. For both of us, the app said the the driver's license and selfie were submitted successfully. But when I went back to the application, it said it was denied without stating any reason. I had to call customer support and they said the biometrics check for my wife had failed and now neither of us can ever apply for an account with them again.

I wouldn't mind redoing the application and maybe using a different ID with a better picture, but to ban us from ever applying again is completely unacceptable. How many people can't open an account because the 3rd party app that collects the biometrics has a glitch?