"most worst bank so far"

most worst bank so far

"North One will scam you if you refer others"

I signed up for NorthOne about a month ago. All was going well until I was notified one day that my referral link had been removed and more information was requested about my business. Confused about this I replied back to NorthOne that I had already provided the requested information during sign up and was only told, "All banks occasionally review customer accounts...". I still found this odd, but complied with their request and provided the requested information the next day. After I provided the information, I was told "Your referral link has been removed and will not be reactivated" in spite of me providing everything they asked for. When I inquired why I was being treated with such disdain and accusatory nature, the support only replied that they could not tell me why my link was revoked, and simply referred me to their terms of service. I read over the terms and nothing in them applied to me in any way.

This occurred after I referred two people who are also small business owners to the bank. It appears they removed my link so that they would not have to pay the referral bonuses. Having not broke ANY of their rules or terms this is the only logical explanation.

I've never in my life seen such scamming tactics utilized by a legitimate bank. It's shameful.


edit: After reading some of the other reviews, I feel slightly better to know that I wasn't singled out and that NorthOne is just an awful scam ridden bank. I find it amusing they have this canned response:

"All financial service companies are required to evaluate their products, services and customers periodically." (I also received this response when engaging with customer service via email).

My Lili small business banking account has never treated me this way so they can keep this awful canned response to themselves.

"Closed my account because I did not…"

Closed my account because I did not notify because of my travels. Also would not work with me on my balance and said it had to be send snail mail which took to weeks. Luckily I have accounts a Bank of America and Revolut. Worst experience constantly asking me for documents when all my money came from tops banks. Worst bank ever.

"You cant get more than one debit card"

You cant get more than one debit card. So when you have a partner, they cant have one which isn't fair. The customer service on chat was kind, but I still cant get what I need.

"Stay away"

Stay away - they will close your account for no reason, and then keep your $. I sent $10,000 ACH out of the account, next day they closed my account & they canceled the ACH that was sent a day early. This is the excuse they gave me:

"The Money has been returned to your account on our end regarding that transaction as the transaction didn't go through. On our end, it looks like the transaction didn't go through for insufficient funds. That being said, I do see that funds were present in the account at the time of it being sent."

So I am stuck without being able to pay my vendor, and now need to wait 30 days to receive "check" in the mail - even though all reviews say that checks cannot be cashed.

Run away.

"Trashy, fraudulent company"

Trashy company, would not recommend to anyone. DO NOT USE THIS COMPANY!!!! You may get $75 using a referral code but they find a way to make that back in fees when your stream is slow. I’m STILL in the startup stages of my business and this stupid company stole $20 from me today off the basis that I’m paying for “the ability to use features” that don’t even exist y’all lol it’s still staying COMING SOON next to most features in the app. I wasn’t using the account but being charged for it? Make that make sense. You DO NOT tell people about the $10 fee until the account has been created don’t lie!! They don’t connect to most Stripe or Plaid Accounts and they don’t connect to Zelle or anything to get your money off the card before they charge you fees on top of fees. If I’d have known they were this scandalous I’d have never opened an account because now I’m stuck with only $7 to my name and can’t even afford diapers for my daughter. Evil evil company, they refused to refund or credit me and definitely don’t deserve to be in business after this web of lies.

"LOOK WHO'S BACK TO SCAM ME"

COMPLETE SCAM. I attempted to open a checking account with this fintech back in 2020 during the beginning of the Pandemic. I came here and saw the reviews. They opened an account and I did not deposit a dime and did not use the account. I complained on this site. They promised to close my account. So what did I get today in my inbox? AN OVERDRAFT NOTIFICATION! How is it that on this very site they promised to close my account but now that the heat is off they crawl back trying to demand money from me? My instinct were right and now I'm contacting Senator Schumer's office and NY Attorney General's office to open an investigation on this criminal racket.

ETA: I just git this:Hello there,

You recently received an overdraft email from us in error. We apologize for any inconvenience this may have caused.
If you have an open NorthOne Account: you can always check your balance by logging into your account on the NorthOne app or website.
Please let us know if you require further information,
The NorthOne Customer Care Team
–
Banking services provided by The Bancorp Bank; Member FDIC.

"Steer Clear of this Shady Business!"

Based on my experience thus far, NorthOne is shady, at best, and a total fraud, at worst. I signed up thinking this would be a great banking app for my marketing needs. Deposited $50 and a few hours later, they suspended my account. Asked me to provide supporting documentation, which I did. Today, they closed my account with no reason as to why. They haven't responded to my replies, and it appears they're attempting to keep my $50 deposit as there was no mention of returning it to me in their correspondence. I also acquired referral signups but they appear not to be honoring those, either.

Update after NorthOne's reply: I've received this same canned response AFTER I made several attempts to find out why they pulled a "bait and switch" routine. NorthOne has offered nothing new in this canned reply. In fact, they offered even less today. In their replies to me after I repeatedly asked them for an explanation, they refused to give me specifics as to why they closed my account after accepting my deposit and approving my account. They sent me a link to their referral terms/conditions, which they just modified last week to state "you can refer to close, personal friends and family only." Meanwhile, NorthOne advertises their signup/referral bonuses on sites such as Swagbucks, so there's no reason to believe that referring their promotion is something they did not want. What's clear is that NorthOne DID NOT want to honor their signup or referral bonus offerings, as they duped countless people - myself included - into applying for an account and depositing $50, and then suspended and closed the accounts.. Meanwhile, they now have copies of my driver's license, my SSN and other sensitive information.

NorthOne claims to have sent me a check after I repeatedly inquired about it. I asked for proof of this and they have yet to provide me any proof, and I have still not received a check.

Update 11/17/21 - It's been 8 days since NorthOne told me they were sending me a check to refund the $50 I deposited when signing up. I haven't received the check, and I asked about it this morning, to which "Paulie" replied, "we advise that you please review the Account Agreement from here."

Update 5/31/22 - I finally received my check weeks after having to demand it from Northone. I truly believe they would've kept my deposit had I not fought tooth-and-nail to get it back. I also found that my original review back in November was removed, and they've got several suspicious 5-star reviews which I believe are from employees. There's also one 3-star review and their reply encouraged the reviewer to change it to 5-star. Shady and desperate. Despite them seemingly trying to stack the deck with fake 5-star reviews, the 1-star genuine reviews are still coming in on this company's shady business practices.

Based on my experience, I strongly warn against doing business with this awful company.

Update 6/4/22 - The reply they gave to this is the same canned reply they gave on my original review, which they somehow got removed, hence this re-review. I spent weeks going back and forth with them via email. Out of all the people I spoke to, there was only one rep who was actually apologetic over the situation and professional. All the others were as ridiculous as their reply to this review is.

"DON’T OPEN ACCOUNT WITH THIS BANK"

DON’T OPEN ACCOUNT WITH THIS BANK: THEY HAVE SEIZED AND REFUSED TO SEND THE BALANCE MONEY I HAVE IN MY ACCOUNT AFTER PROMISING THEY WILL SEND IT FOR SEVERAL MONTHS NOW.

0 Star Review:
Someone sent money to pay for one of the cars I was selling. NorthOne seized the money, blocked my account, and asked for so many documents including ID cards from both me and the sender and a selfie of us holding our IDs to our face. It was humiliating but we took the selfies anyways and sent everything they asked for including all documents about the transaction. Yet they closed the account after being so rude and unprofessional in their messages to me. They then said they will email my balance money in the account to me, but it’s been months now and I still haven’t gotten my $3,000 in my account. I need that money desperately and there’s no way I can reach them. This is the worst experience I’ve had with any company.

"Chat was super quick and helpful"

Chat was super quick and helpful, highly recommend!