rapid!Access

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The concept of the app and what can be done within the app is great. HOWEVER- I can hardly EVER actually get past the “Authentication Fail” error anymore when trying to log in. It’s so freaking frustrating when you’re trying to get in to check your balance/transfer funds/look at recent transactions and you CANT because you’re fighting to get in. I have had a rapid pay card for over 5 years. I have been an app user for at least 3 of those years. The error instances have always been a thing but they have increased significantly in the past few months! Too often I have to open safari to get to the rapids website but it’s definitely not as easy to navigate through when you are needing to check your banking information quickly. Please please please fix the bugs that keep this an ongoing issue. This app has so much potential!

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Worst bank ever. Sadly my paycheck ended up in this account and I had no other choice than give it a try. Nothing but problems so far. First, for every transaction they hold 20% of the amount to make sure there’s enough funds available to cover it, which makes no sense since they’re the ones keeping your money and the account doesn’t have overdraft protection. Second, transactions without the physical card show up in my statement, and now I have to wait for a temporary credit and 90 days for an investigation. Third, the card that they gave me didn’t have my name on it, making impossible to get the money out of the account using some apps. Fourth, by the card not having my name, some merchants wouldn’t even accept it. Fifth, by holding 20% of any transaction, you’re not sure what your true balance is and it gets too confusing making it uncomfortable to pay anything with it and not thinking if you have enough balance to cover both. If you get stuck with this by mistake, good luck as you’ll needed it!!!

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If I could leave zero stars I would. Went to transfer money to my bank account, no where did it say it would take 5 days to complete. When I called to find out why it was taking so long I was informed of this. Asked if I could cancel the transfer, was told yes. After 13 minutes of being on hold, the guy said the cancel was completed and that my funds would be available within a few hours. Well past a few hours, still no money. Call back, was told that you cannot cancel a transfer. So I was lied to by these non English speaking “customer service agents”. Horrible app and even worse customer service. Calling my company Monday morning and getting my direct deposit changed, along with highly recommending moving away from the rapid pay card!

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Very low-performing interface. Where’s Touch ID???? Get with it! Refunds take waaaay too long. I’m also seeing a lot of transactions get refunded then processed again without my knowledge or request. Makes me not fully trust that my balance is accurate OR that I’m not being overcharged. Savings acct side is shaky. I had a savings acct but the first time I was unable to access my own money I closed it. Not okay! Your phones at customer service need work as well. I hate when a phone computer demands my card number, date of birth, last four of social, etc. then the representative asks for it all again because the system didn’t populate their screen with the information I put in. Very annoying.

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Sadly, as my last paycheck, I received a Rapid Paycard that contained my final paycheck for the job I had at the time. After receiving this card, I immediately tried to transfer the funds to my personal bank account but was greeted by being locked out of my Rapid account and had to call to get it unlocked. I called the phone number on the back 3 different times in the span of 30 minutes, talked to 3 different representatives who told me my card had been unlocked and I could access my account, got me absolutely nowhere. To this day my account has not been unlocked and have given up on trying to transfer my final paycheck