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.

Can't Access Your Own Money Just like everyone else, had my account restricted with absolutely zero communication, timeline, or anything. Exactly what use is a bank that does not allow you to access your own funds? Horrible customer service, subpar app - not at all worth the interest rate. Now they say they're subjecting transfers up to a 10 business day hold in general (if they don't just restrict your account entirely) which is frankly ridiculous in today's day and age. But no, they get to hold my money for 30 days, use it for whatever purpose they want against my will. A fraud investigation should not take more than a few days, and should be clearly communicated constantly. This is not that - it's clear they're understaffed and running a terrible operation. Save yourself the pain of having your money taken away from you - never use any FNBO product.

There is something very fishy with Milli Bank I have excellent FICO, income and net worth and yet I was turned down, without any explanation given. This is a first for me. If they are turning customers like me away, then I wonder how they are going to stay in business or make any money. I think they should be investigated. Now that they have all my pertinent info, if anything goes amiss with my finances I will know where to look.

Bad experience right from the start I opened an account with Milli Bank for their HYIR. I linked 2 accounts using their Plaid access. Last week, I got a notification that my account had been restricted and requested statements from my linked accounts. I sent this documentation out the same day and I have not heard back nor have my emails and phone calls responded to. Basically, the funds I transfered is frozen with no help

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.