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

Pathward is headquartered in Sioux Falls and is the 3rd largest bank in the state of South Dakota. It is also the 214th largest bank in the nation. It was established in 1954 and as of June of 2022, it had grown to 1,178 employees at 1 location. Pathward has an A health rating.

Reviews (7)

Great Bank to Work With

This bank was a great bank to work with. I had a business financial account with them and some other banks some years back and I never had a problem getting my transactions in and out with them. The process was always very simple. It was nothing complicated at all about getting money into my account or sending money out of my account for my business. This bank helped me to be able to other methods of payment besides cash within my business. This bank was very helpful to me in getting my business up and running and I will forever be thankful. I was able to take payments from people anywhere in the country and some places outside of the US as well. Im very thankful for the services of Meta Bank during my first few years of life in the business world.

Great savings

Posted by: |

I have had a few different savings accounts but this is one of the best out there. It is easy to set up. I contacted them and within minutes I was ready to go. I have been saving a small portion of my paycheck there every week and it is a great service. I did contact them to ask some basic questions and the wait times were not that bad, just a fraction of a few minutes. They resolved my questions fast and I am impressed with how thorough and positive the service has been. If you are in the need of a bank you can use online, this is the one for you and I would recommend it.

Online Banking success

I've banked online with Metabank for nearly a decade. I currently have several checking and savings accounts with them. I've always been very pleased because I travel abroad alot and I feel like my money is not only secure but also easy to access. Before each trip, all I have to do is call them and notify them about my travel plans and my money is accessible while abroad. I've spent about 3 years over the past decade abroad and being without funds is very scary. I've always been able to easily deposit money electronically via ACH, bank, and other online transfers (like Paypal, Amazon, Skrill etc.) and access the money via my debit cards. I also recently got a new international card which is backed my Metabank and it allows me to easily withdraw funds via an ATM while abroad which is not something I was always able to do previously in some countries. I feel like the fees are a bit excessive but reliability and access to my money is the most important thing so I don't mind paying. Plus, on my main checking account, I just pay a flat $5 monthly fee so that's acceptable to me.

MetaBank is great

I have used many different types of banks because well sometimes they all do not meet my needs and sometimes i must switch. But this one i am talking about today is Metabank. Which is a online only bank i signed up and got started rather quickly. So the process of starting up was rather fast compared to a normal bank which can take some time to actually get started and is not for everyone. Sometimes we want convenience. Which this is and i also called them with a low wait time to ask some questions which was nice i could get answers rather fast with almost no wait time which is great because like me everyone has questions overall the experience was positive for me.

Convenient Online Bank

Metabank was the bank used for direct deposit for my employer so I ended up with a card and account with them. I have been happy with the services and continue to use the account even thought I now have a different job. Customer service has always been helpful if I have called. I am able to withdraw money with no fee. I am able to keep my temporary card in case I were to loose the other card. This account meets my needs even though there is no local branch to visit.
I would recommend Metabank to others and I plan to keep this account as deposits are always timely and as expected and I am confident I can reach customer service when needed.

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.

This Isnt A Bank Its A Joke

Posted by: |

My card was stolen an used...after reporting I had not received my new card. I was told there were numerous charges on the card. I filed a dispute and the next day they closed my acct.


Health Grade Components

FDIC Certificate #30776
Year Established1954
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD2.11%
Return on Equity - YTD17.86%
Annual Interest Income$163.1MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$6.73B$7.05B
LoansQ2 2022vs Q2 2021$3.68B$3.49B
DepositsQ2 2022vs Q2 2021$5.71B$5.89B
Equity CapitalQ2 2022vs Q2 2021$737.4MM$964.8MM
Loan Loss AllowanceQ2 2022vs Q2 2021$75.2MM$91.2MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$26.6MM$41.9MM
Real Estate OwnedQ2 2022vs Q2 2021$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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