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.

You all do realize that Milli Bank is… You all do realize that Milli Bank is just part of a bank in Omaha right? Completely legit but they have stringent qualification rules for their highest interest bearing accounts. I have had an excellent experience, completely easy enrollment and communication. Best high yield savings account out there!

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.

Warning!!! Warning!!! Once I provided them with my sensitive personal information my request was denied because it did not meet my bank’s requirements. These requirements include but are not limited to identity validation. What? In response to my email Milli wrote : Hi there 👋 Thank you for reaching out! For the security of our bank, and to maintain fairness to all our customers, we cannot tell you exactly why you were denied. Unfortunately, this decision is final and cannot be appealed. Thank you for understanding, and for your interest in Milli. That is called Identity theft!