Overview / Commentary
5501 South Broadband Lane
Sioux Falls, SD 57108

Pathward is headquartered in SIOUX FALLS and is the 4th largest bank in the state of South Dakota. It is also the 206th largest bank in the nation. It was established in 1954 and as of March of 2024, it had grown to 1,204 employees at 1 location. Pathward has an A health rating.

Reviews (4)

Very Unsatisfied Customer.

U can't ever talk to an agent. If u don't have your card number u definitely don't get to talk to anyone. I have had $30.00 sitting in limbo due to this place e and cash app. The only reason they even got one star is because there is not a place to pick zero stars. So that would be the only reason they got there one star. I dissatisfied with this place. Horrible absolutely horrible service. Everything about this place us absolutely horrible


Posted by: |

This company is the worst. I cannot speak with anyone about the delay in my direct deposit. They customer number is a joke because you cannot speak with anyone. All they do is give you a pre-set recording. I don't to do business with anyone who has access to my money and yet cannot speak with a live person when there is a problem. Once I get access to my direct deposit paycheck I will dropping them like a hot potato today and go with someone more reputable that I can speak with a live person. Is the CEO and other executives that DAMN GREEDY that they cannot provide people to speak with a live customer service rep. I don't want to email customer service that could take up to 48 hrs or longer to get back to me about my money.


I've had online account here for 3 years and it's worse than ever. You can't win a dispute no matter how much or what you ain't getting nothing back. I've been doubled charged over charged and hack charged but this time it's AMAZING..
I placed online order on 8/7/23 and cancelled it within an hour due to delivery delays occuring. Order was cancelled and reversed back to me for 72.72 at 1:14 PM on the 7th. So now it's been 10 BUSINESS days and still no money credit back to my account. Walmart corporate has given me all the information and authorized code from the reversal of funds. PLEASE BEWARE OF THIS PLACE PROFESSIONAL THIEVES AND SCAMMERS. RUN RUN RUN FOR YOUR LIFE.

H&R Block Emerald Car Thru Metabank

horrible horrible company. this company is criminal and i am not kidding. you can read my months long experience so far with them. I've got 12k in an account with them that consists of my tax return and stimulus checks received this year, and they refuse to allow me to transfer it to my bank, or withdraw it.

i contacted h&r block emerald card customer service phone number requesting information on how to transfer my account balance from the prepaid card debit account to my primary personal bank account I was told that I could do an ACH transfer without incurring any fees, and since i was transferring my entire balance that I would have to close my account. I was told they had to deactivate my account as part of the process and they were going to send me an email, that would arrive within 2 minutes, with instructions on how to transfer the money. after several hours of not getting the email and making sure it hadn't been put in my spam folder, i logged into my online account for the emerald card and confirmed that the email on my account which was the one i had verified with them on the phone was spelled correctly and it was. after several days without receiving the email, i called the customer service again and spent over an hour trying to get them to send me the email, trying 2 different email accounts, and even though they said they had sent it multiple times to each account, i still didn't get it and then the rep said it might be because my account which has over $12k in it was deactivated during my previous call days before. at that point, i escalated to a supervisor who said his name was Simon, who said that because my account had been deactivated, that they would have to send me a new card, and then i could do the ACH transfer after filling out a form and submitting several documents, or I could go to Wells Fargo, among other banks, and use the new card to withdraw my entire balance, for a $35 fee from them, and no fee from Wells Fargo and no limit on how much I could withdraw. i confirmed the last part about withdrawing thru Wells Fargo several times to make sure there was no confusion about there being no limit and no additional fees. Simon said he expedited the new card to arrive by Friday and waived the fee to expedite it, and was miraculously able to send me the email no one else could seem to send. I got the got on Friday and weñt straight to Wells Fargo to withdraw the money. but it didn't work, amd Wells Fargo was only able to make the request once per day. so I called the emerald card customer service, and after eventually managing to speak to a supervisor, i was told that there was a limit on how much I could withdraw which was why it hadn't worked, and so i would have to do two withdraws if i did it that way, incurring a total $70 in fees. so i decided to try the one time ACH transfer that didn't have a fee to do and the sup said would take a maximum of 5 business days to complete the transfer. i faxed the paperwork in that Friday, sending it twice to make sure they would get it. on the next Friday i called, and after arguing again for 15 minutes that I needed a sup, and at one point the rep insisting they didn't have the fax, i finally got one and after waiting on hold while they looked for the fax, they found it and that it hadn't even started to be processed, so they said they would send it right then to their "back end" with urgent status to be processed on Monday, since it was already day 5 of the max 5 days it was supposed to take. he also, took and verified my phone number and said someone would reach out to me about it on Monday. today is Monday and i called this afternoon and as was almost a ritual now, argued for about 15 minutes that I needed a supervisor, with at one point the rep saying there weren't any sups available and when i basically told them they were lying, and asked if i needed to call back repeatedly to get different reps until i got one that could get me a supervisor, they suddenly found that there might be one available. after several long holds, this sup was also able to find the fax i had sent, and they told me there were no notes or anything and that they were going to send it for a 1 day review to get the issue taken care of and someone would reach out to me (sound familiar?). well i gave them a piece of my mind at that point, since now we are literally going in circles. as it stands, i will be calling them tomorrow afternoon to what i expect will be another argument to get a sup, and another sup who will find the unprocessed fax request, and send it for another one day review.


Health Grade Components

FDIC Certificate #30776
Year Established1954
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD3.45%
Return on Equity - YTD34.74%
Annual Interest Income$129.7MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$7.44B$6.87B
LoansQ1 2024vs Q1 2023$4.35B$3.67B
DepositsQ1 2024vs Q1 2023$6.37B$5.91B
Equity CapitalQ1 2024vs Q1 2023$766.3MM$705.6MM
Loan Loss AllowanceQ1 2024vs Q1 2023$80.8MM$84.3MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$34.4MM$28.5MM
Real Estate OwnedQ1 2024vs Q1 2023$0$0

Sorry, we do not have rate data for Pathward.


Pathward Locations
Metabank, National Association5501 S Broadband LnSioux Falls, SD 57108

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