Love my card I've had my account for six months now and made hundreds of dollars in cash back. It's nice to earn high rewards without worrying about the interest charges that I sometimes get with credit cards.

Membership fee paid and cannot access account I signed up on the website. There they ask you to pay your membership fees. I assumed, since they were accepting payment already, that my account would be accessible online. Other apps like Sofi have this option. Nope. I have an older phone and the app is not compatible. I reached out to customer service and was told I should just “buy a new phone”. Since then, all customer service has done is promise to get back to me, or send smart ass responses. They were quick to respond while I was commenting on their social media accounts, but then communication moved off social media and it was back to the same old no response.

Point card is amazing Point card is amazing, and I have been a customer since 2019 before there was anything special, just a debit card with 5 discounts and now with multiple ways to save from grocery shopping to my daily coffee run and have offered excellent customer service thought not by phone, but by text and I prefer so you can message customer service on the go.

My account still has funds inside and I… My account still has funds inside and I was suspended without notice or a reason after using Point for a few months. No way to withdraw funds inside. Texted & Emailed Point.app and no response. Scam & Shady company!!!!!

Point terminated my account when I questioned them Unfortunately I have been the victim of a suspected fraudulent company. I found Point App (Point.App) that is managed by Radius Bank to provide my online and self-employment banking needs. I was shocked at the $99 annual fee, but reluctantly paid it thinking that I would be able to have a bank I could trust and rely on. My issues started when Point allowed a $1,300.00 CashApp transaction to be made using my debit card. I immediately called them and flagged it as fraud. I was told that NO provisional credit would be issued whatsoever. I was told that "Regulation E", which requires banking and financial institutions to provide a provisional credit to your account within 10-business days of a fraudulent transaction reported, did not apply to them. This is a lie and deceptive business practices. My dispute was closed on Day 8, saying that they saw "no wrongdoing". Fast forward a few weeks and I had an item that was never delivered. This was for $1,028. I waited a few days and waited for a response, to which a dispute was opened on 9/18/2021. The dispute team started their investigation on 9/20/2021, and I was told by Aubrey at Point that I would have my credit issued by the end of business on 10/1/2021, which is today. I contacted their customer service and was told that she misspoke, and it is "10 full business days, not just 10 business days". This is a lie. They did not want to provide any sort of provisional credit. I now just received an email saying that after my ticket (citing Regulation E) was escalated, they have closed by bank account permanently and effectively. This is absolutely wrong and vile. Point offers almost zero customer service, and has no backing whatsoever. When they were caught violating Regulation E laws with provisional credit, they immediately terminate your account because they "are god". Beware of this company who can just up and nilly-willy close bank accounts when you try to correct them. The CEO and Founder, Patrick Mrozowski, refuses to manage his company, Point, and it is doomed to fail.