If I could give zero stars I would! If I could give zero stars, I would. Someone somehow got into my account and bought gift cards with all my money. They left $14.62 in my account. Point customer service is basically non-existent. No phone number to call. Only email and text message support. There has been almost zero communication from Point in trying to resolve my issue. It has been 6 days since I opened a ticket and not even one communication since that day. I am still trying to get support to update me and they are not responding to my pleas. This bank's support sucks BIG-TIME!

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.

Favorite way to spend Before Point, I would only use travel and airline credit cards. I never truly understood how the travel points accumulated, and even when I did manage to book a flight with points, it would be a pain to coordinate the booking through the third party points platform (Chase's travel portal, for example). With Point, I get favorable rewards from some of my favorite brands, including Spotify, Netflix, and Headspace. Plus, I don't have to worry about interest charges because I'm protected from spending money I don't have due to the debit card format.

I love Point Card I love Point Card. I can add funds with my debit card anytime I want to utilize the cashback in points. The perks are always improving and added on. Like 20x back on certain brands and other goodies! Better than AMEX. And secures you traveling, phone insurance and other important features. Use my code to get $30 in points after your first purchase before May 2nd! Code: GNAGY8 You get a virtual card, and can fund with your debit card to spend right away :)

I love point I love point. I use it for all of my purchases and the rewards are fantastic. I have struggled with credit card debt in the past and point is the perfect solution to still receive rewards for my purchases while not getting into debt.