| 5 star: | (1) | |
| 4 star: | (1) | |
| 3 star: | (0) | |
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| 1 star: | (4) |
I have banked with smartypig for several years now. Hardly ever have any issues. Site is mostly stable and quality experience. Some bugginess but not bad. I set up savings goals there and automatic withdrawals from my personal checking and the goals stack up over time. It's a amazing way to budget and save money and reach many savings goals. I cannot imagine life without this site. It has turned me into such a great saver and made me so financially secure. HIGHLY recommend. The poor reviews might be sketchy customer service or w/e but the site just works and I never need to use customer support since the site is easy to use without help. There's no fees and you just make money on interest on smartypig. Win win. Other reviewers mentioned being called a bot by the login screen of smartypig.com - well then they aren't passing the captcha test! Just click on the little animal that is facing upward, not on the upside down or sideways animals. Not rocket science! Maybe these reviewers are bad review bots!
SmartyPig's website says they will pay a higher interest rate as long as your account is no more than $10,000. So I deposited $10,000. At the end of that month, they paid the lower interest rate. When I asked them why, they said that they calculated the interest rate based on what my balance was going to be after they deposited the interest. WTF?
They are not SmartyPigs, they are DumbPigs, so they lost a customer.
After opening the account - just like one reviewer said, you couldn’t get back in, continually locked out saying I was a robo guy. You try to call customer service during business hours and they don’t even put you on hold, they just hang up after their call spiel. You can’t chat or email because you have to be logged into the account to use the chat feature. They ask for A LOT of personal information and now I’m trying desperately to find out how to close it. Sallie Mae’s bank website gives the same (only 1) phone number that no one answers - so I’m trying to find someone to call at Sallie Mae. Don’t waste your time with the high APY, thankfully I didn’t deposit any money, but they have a lot of personal info.
I started an account because of their 'high' interest rate at the time.
The site looks childish, but I was able to create an account without issues. I linked my other bank account to make an initial deposit. 5 days later, I saw the small deposits (old verification method) and attempted to login to my SmartyPig account. The site continually called me a 'bot' (even with the old picture verification).
Days later, I verified my password that I set up and tried it again. Same result - I'm a 'bot'.
So, figuring I wrote down my password wrong, I had it reset (through the site). Reset the password, waited 5-10 minutes as recommended (why?!?) and tried again. Same thing! I finally called to cancel my account and was told "the website is down, even we can't log in" and to call later. Really. There was no notice or warning on the website!
Don't trust your money with this bank. This experience is making me think this is a data collection site and I'm going to put a notice on my linked bank and credit agencies.