Denied Again First application denied with no explanation. Online complaint conversation with agent yielded a second look at application. Denied again with no explanation other than credit score (mine is 800) or ChexSystems was not a factor. So what is? I would be very wary of this bank. No problems at any other banks I have . Received a reply from Milli bank 2 months later apologizing for my experience. Still with no reason for denial, suggestion to re apply or anything useful. Still a 1 star rating.

Poor Experience Poor Experience Tried funding my account with an external checking account with plaid. However account has been frozen and restricted for more than 30 days with no explanation. I knew something was fishy when I didnt see them on BBB but will be filing a lawsuit with with a host of other customers that they are doing this worst banking app ever

Same issues as everyone else - restricted account then they closed it on me Nothing but issues. Tried to transfer money into the account after I opened it, and it took more than 10 days. On the 10th day I cancelled the transfer from my bank and the next day I got an email saying my account was restricted due to suspicious activity (same story as alot of people). I didn’t reach out or try to get it back, but then about a week later I got an email saying they are closing my accounts and saying they do not want to do business with me. I wish I could add screenshots because it is absolutely ridiculous

Give and 30 days and you will love it! Be patient. It is worth the 5.5% interest rate. I transferred money from another bank to Milli. I saw the money "leave" my bank account but it wasn't in my Milli account. Of course I was nervous, I reached out to Milli customer service- immediately they told me expect 10 day transfer period. And as mentioned in other reviews it did take 10 days for my money to "show up" on the Milli app. But once it I could see it- I relaxed. I've been with Milli for 3 months and I love seeing the "free" (5.50%) interest being added into my account every month. I have used an ATM, purchased items online, and transferred money out of Milli to another bank without problems. The money I transferred to another bank from Milli was available the following day. Customer service has been great and earning 5.5% interest is awesome.

Milli Bank Excessive Hold Times Milli Bank places excessively long, 10-business day holds on transfers from external banks into Milli Bank accounts. The balance of my Milli Bank Savings account is in excess of $100,000.00, yet Milli Bank insists on restricting access to a $70.00 transfer for 10-business days…ridiculous.