UFB Direct

Horrific - Do not use this bank.

Customer service dept. from India literally just makes *** up and lies - theyre overseas off-site and give zero *** about resolving any of your problems. I got their ATM card for an emergency if I needed my cash quickly & they say online you can get $1000 instantly from one of their ATMs - thats also a lie. You cant. Most the ATMS only let you do $400 limit withdrawals (I went to Costco). I try to use the card for the first time due to a delayed transfer (see later details), & it does not work so I call them.

This customer service rep. told me that my card was not found and I was not issued one. When I asked then why do I have the correspondence from you all showing where you messaged me & told me you sent me the card and it would arrive in X business days in my inbox on the APP and im holding it in my hand right now? Then I asked for a supervisor to investigate further seeing as the pin I set up worked upon entry, then they changed the story to Oh you never activated the ATM card thats why. I knew I signed the back of the card once I activated it and the first time I tried to use it a year later its not working... This was my reason for my FIRST call.

When they told the first lie about my ATM card not being activated I knew this was a blatant lie. So I told them, OK then im transferring all my money out & closing the account, & his response was Ok I can assist you with doing that now if you like

Next I had a check written that has since bounced b/c the idiot (most likely not a citizen) who doesnt understand how banks work, cashed it when I told him it would take several business days & not to deposit before it a certain day due to UFBs lengthly time limit for external transfers. I wanted to give him the check immediately knowing it would be the last time Id see him, he does not live nearby & putting checks in the mail is now very risky.

Huge mistake - first bounced check of my life and a nice late fee has been charged to me by them which ill have to try & beg to get dropped later.

The way UFB works- you make the transfers via their app, & unless you screen shot the confirmation on the app immediately after, there is NO RECORD of your transfers being done. They dont email you or ANYTHING. Then comes the next set of calls & lies.

I call the Indian call center again. I explain Im still waiting on these transfers & now have no working ATM card & am approaching business day 5 (theyre supposed to take 3-5 business days per their info.). She states I selected a 6 day wait time when I made the transfer (thats not true - the app defaults the transfer day to the first available day - you cannot get it sooner - you obviously leave it as the soonest listed day which pops up immediately when you initiate the transfer. But of course she states its my doing Another lie.

I had also made another $4K transfer (on top of my initial one which was taking forever b/c im now getting worried - and this 2nd 4K transfer is still allowed per their monthly transfer limits) as now im realizing this is going to take over 5-6 business days for the initial deposit. I had not told her about this yet.

The next day I decided to empty the entire remaining money out (32K+) to close the account given all the other BS. When I asked about the status of these transfers records she states she sees the 3rd transfer of 32K I made & my main inquiry which was the first 4K transfer im still waiting onBut when I then ask if she sees record of my 2nd transfer I made, she tells me no & that she only sees the other 2.

Why? Because I never told her about the 2nd transfer until the end of the call. She literally just repeated back the transfers I already told her about myself.

They just tell you what you want to hear, or are incompetent, or have no record of anything (hence the ATM card BS). And if theyre wrong they barely say sorry and offer to do nothing to fix it. They just MAKE IT UP.

Its like catching someone who you spread a rumor to but only told them 2 of the 3 details to see if you can catch them in the act when they later spreading the rumor - surprise surprise thats exactly what she did. 2nd call and more lying.

Then shes telling me the entirety of my money $32K+ I transferred out will go through on Easter Monday 4/6 - even though I made the transfer on 4/2 - but my FIRST ORIGINAL TRANSFER made 3/31 of only $4K somehow will take over 5 full business days & finally transfer that same day on 4/6, which makes ZERO SENSE!!! AGAIN!!! MORE MADE UP BS!!!

Guarantee you that is not going to happen and im going to be waiting 6+ business days for a standard ACH external transfer ive done many times with my main credit union I bank with & transfer to regularly.

In addition they stop giving you the max APY after youve been using them awhile & you have to CALL THEM to get them to renew your account to give you the most current/ highest rate. SCAM behavior. DO NOT USE!!! Update: After 9AM on Monday business day 5 - still zero of my money has been transferred.