By using our content, products & services you agree to our Terms of Use and Privacy Policy. It is a mobile-only app with no web access, no support except email with 24 hrs turnaround time, confusing FAQs that describe features not present in the app etc. Now I am going to close my account and as for them not keeping up to the agreement I will not be paying any remaining balance on my account any attempt to put such item on my credit will be vigorously disputed. The list of retailers includes CVS, Walmart, RiteAid, Walgreens, Safeway, Dollar Tree, Dollar General, Kroger and more. I just want this account closed and my money that deposited in the account its my money. Sign the check and write For Mobile Deposit Only- SmartBank. No customer services available. Im so thankful for the help I received from stable. I applied for a card and got approved they said that shipping will take more time cause the card manufacturer is backed up Any money held in your Sable Bank account will be protected up to $250,000. They don't perform credit checks so there is no way to catch fraudsters before they strike. My credit report said still active. To make matters even worse, the chat is never available, and even when it used to be available it was worse than useless -- I remember going in there and spending an hour waiting for a response. U.S. credit, debit and bank accounts Designed to improve your credit score 3X faster graduation to traditional credit. Well, I waited a full hour for a human being to come into the chat conversation, but that never happened. I applied for a sable card I downloaded the app and signed up. Opinions, reviews, analyses & recommendations are the author's alone and have not been reviewed, endorsed or approved by any of these entities. They will lock your account without a reason, they pick which accounts to send their physical credit cards to with no guidelines. Transfer money cheaper. This credit card company is not worth dealing with. Deposit checks into your Checking, Savings, or Money Market, account using Citadel Mobile Deposit. Their answer "we are not able to provide an estimated time". My account was locked for about a week with no explanation as to why. Along with the rest of the bad reviews of people not getting their direct deposit I too am another customer that have been waiting for now going on 2 weeks without getting my funds. The following steps are generally consistent among most financial institutions: You should receive some type of notice, either via your mobile device or via email, that your mobile deposit transaction was accepted. They limited my account, then 5 weeks ago they decided to close it permanently and froze my funds until "pending review".. Do not contact us, we contact you was their answer.. Needless to say, they have ignored all my emails and terminate the chat support right on my face every time I brought this issue up. Open an account and get a card in 5 minutes. After about 6 months I didnt need the secured card from Sable anymore so I closed it. And it is SLOOOWWWW. First of all, their customer service is non existent. $10,000 per day or $50,000 . To add to the frustration, they NEVER send you a notification like, "Your credit card bill is due in 7 days" to remind you to transfer the darn funds. I'm afraid this bank stole my money! $2,500 per day/$5,000 per month for accounts 30 days or older, Varies based on account type, deposit history, Sign the back of your check the way you usually would, Sign into your bank account using the sites mobile login system, Use the banks menu to find the Mobile Deposit tab, Follow the instructions, choosing which account to deposit to, Take a photo of the front and back of the check when prompted, Verify the details and complete the deposit as directed, Bank of America Preferred Rewards Members over 90 days old, Citizens Bank, Citizens Quest Checking accounts over 90 days old, Citizens Bank Circle Checking accounts over 90 days old, Bank of America Preferred Rewards Accounts less than 90 days old, Citizens Bank One Deposit, Ever Value, Student Checking, and Personal Checking with Interest. The card carries an APR of 6.99% above the prime interest rate. (11:07:28 AM) Andell Aziz: Are you saying that the account was restricted because of the transfer? Plus another $25 if you receive a payroll direct deposit of $500 or more! There is no customer support, no one to talk to , no web app, and no recourse. Their app is user-friendly. Stop by your nearest Cadence branch to open an account and more. All loan approval decisions and terms are determined by the loan providers at the time of your application with them. Certain types of checks are not able to be deposited through your mobile phone. (11:07:24 AM) Angelie M: Thank you This leaves financial institutions with a . I've been waiting since September 2nd and again on October 2nd for the callbacks that I was supposed to receive. All I have to say is oh my goodness! I can't. I wish that I could post all of my pictures, but then again, they're speaking loud and clear about how they feel about their customers and their Customer Service, but not address any negative reviews on this website alone in over 12 months. It also offers $25 when you build your credit score to 700+ within the first 12 months. I have met all the marks for 5 months straight while increasing my credit score by 100 points and they have not changed my card to unsecured and returned the deposit as indicated. Mobile check deposit is a mobile banking tool that allows you to deposit checks to your bank account using your mobile device. Is the worst card in the market. They buy all their reviews on google/youtube to make it look like it's a good card when in reality it's a piece of s*#t :). Once your account is approved, youll be issued a virtual card that you can start using right away with Google Pay and Apple Pay and for online purchases. I will try to build more history and also started a credit builder loan with Self. Overall I wouldnt even waste my time. It seems awful odd when a bank won't take your money, and doesn't seem to care if you're having trouble giving it to them, so I did a search of "Sable card scam" and after finding out how many people have gotten straight-up RIPPED OFF by Sable, I'm glad they never got my money, and I'm going to throw that card in the trash and give my business to a REAL bank. I signed up for sable as i was looking for a new mobile bank to work with. Sable Online Banking Review. The Sable Secured Card has no annual fee nor late payment penalty fee. Depending on your banking habits, you may end up choosing a bank based on its flexibility regarding mobile check deposit limits. Laurie Blank is a blogger, freelance writer, and mother of four. I gave them $5000 in security and am unable to use the card since I don't have one. Four weeks later, emails not returned, my money is still frozen and no end in sight. Do not use this company to build credit, there are better options. As soon as it clears I will be taking my money out and closing account ASAP, Didn't report my $0 balance to credit bureaus. Credit. I'm also reporting them to the BBB, My application was rejected with no reason. Reproduction in whole or in part is strictly prohibited. To transfer money takes about a week to do and you cannot pay your credit card with any other bank card but sable. If youre having similar issues, please reach out to the CFPB so Sable is shut down. And again, the transfer takes longer than ANY of my other accounts, which always post within 24 hours or less these days. Someone at Sable opened a card in my name. RUN AWAY and CHECK YOUR CREDIT REPORTS! TD Bank 10. His work has been featured in print magazines and high-impact websites. It takes a couple of days for them to get back to you, and as I said, the chat is NEVER available these days. Sable is an online bank founded in 2019 to provide banking and credit services to international residents in the US. . Sable APP. I recommend Sable as a means to easily manage money between accounts and banks, and to build credit. Non-citizens will need to take a photo of their passport and visa or I-94 document. if really like to know what is wrong. These funds serve as a security deposit only. This company is a scam. Account restricted a month ago as the majority of others report. No communication, no customer service, no access TO MY OWN MONEY! Sable stole all of my money, and locked my credit cards for no reason. Whats the point of this company again? My family and I are on the street because they closed or restricted my account with almost all my money in it. Effective July 1, 2018, the Federal Reserve Board made amendments to Regulation CC providing clarification on the requirements of mobile deposit endorsements and who has liability in the event of a duplicated check deposit. Key Bank. Ive sent emails, Ive done everything I can think of to try to get answers, the redemption button worked the couple of times I used it, then suddenly it just stopped. To pay off your monthly balance, youll need to deposit funds into a Sable bank account and make a payment from there. Available for Apple and Android products. Do not bother. Both cards are secure, meaning that you must deposit funds into a reserve account to establish your credit limit. Worst customer service you could imagine. I was told that the rewards would be on my next statement, that didnt happen either. Automating your financial tasks can save you time, money, and a lot of headaches. . If you are sending money from within the United States, you can send a direct deposit or wire transfer. Bestmoney is a dba of Natural Intelligence Technologies Inc. Natural Intelligence Technologies Inc. NMLS # 2084135. STAY AWAY!!! Neobanks and fintechs that accept mobile deposits will have a deposit limit as well. This is a fraudulent company, they will ruin your credit. This put me into a hard time since it's an urgent fund. You'll need a Sable bank account and a deposit There's no credit check required, but to qualify for the Sable One secured credit card, you'll need a Sable bank account, a security. Terrible company. Really poor customer service. They refuse to give me a card even after five months. Stay away unless you are interested in an efficient way of getting rid of money. Everyone who is reading this please post this on every platform that you can think of. When I questioned them this is the response I received we currently report all information including your credit utilization, outstanding balance, payment history, and credit limit. Chase Bank 3. Sable offers customer support by phone and email, although support hours arent listed on the website. No credit check is necessary and you can build your credit score. But it's getting worse. Endorse the check. View and search 24 months of transaction history. Trying to contact by phone never gets a response. 9GDU.&/_?w]|]/3~=?_{~OKaizv.Z2]}7,K z}]&:2.:C:|M;-k7 }}i9x 'ly^?2ON{ru]Wb{? They provide a great service. It appears every single time I login. She's a licensed Realtor with Edina Realty in Minneapolis, Minnesota (also licensed in Wisconsin too) and has been freelance writing for over six years. 30 bank accounts with early direct deposits. Direct deposit (also called ACH) is usually free but can take longer to be credited. 2 Individual deposits above a certain dollar amount 3 may take up to five business days to become available. Member FDIC | Equal Opportunity Employer | NMLS#410279, Debit vs. Credit Cards: Pros and Cons of Each, 5 Tips for Managing Your Checking Account and Savings, Tip Sheet: Protect Your Business from Cyber Fraud. I hate this so called bank! I reached out again and let me tell you this has to be the worst customer service in life. Don't respond for days. The first $225 of your total daily deposits is usually available right away. I received my debit card, and then loaded funds onto it at a local retailer. Other Sable services: In addition to the Sable Secured Credit Card, you can also apply for other products, such as the Sable bank account and debit card. Is The Sable Bank Safe and Secure? In 2021, 89% of banking customers in the US use mobile banking for account management, and it is estimated that more than 3.6 billion people will use online or mobile banking by 2024. Their customer service is also SO slow. Fight this tierant company and hit them hard so that they can feel it. They accepted the initial transfer and then blocked the account. Deposit accounts must be open at least 30 days to make a deposit. Whereas your security deposit backs the Sable ONE Secured Credit Card, backing for the Sable Mastercard Debit Card comes from the balance in your Sable banking account. Sable is an online-only bank that offers a zero fee promise no monthly fees, ATM fees, overdraft fees, or foreign transactions fees. "Checks will need to be endorsed just as . On that note, it's time for me to bow out on Sable and let them treat the people that do NOT know their worth like trash, all while you're making them filthy rich. I have been treated with complete disrespect, and told I just need to be patient. All banks differ, but banks that allow mobile deposits usually accept all types of checks, including: Check with your bank for details, as not all banks allow mobile deposit. Froze my account with 6k in it after I had my taxes deposited. Input the Amount of the check and select Deposit To from the list of available accounts. The notification you DO end up getting says something like, "Your payment is X days late." If I could rate this negative 5 stars I would. Will be working to close them if possible. Enter your deposit amount and we guide you through taking a picture of the front and signed back of your check. There are still a surprising number of global banks that don't offer the service. never shipped my cards to me or my wife we applyed mounts ago and they never shipped them!!! Its a good card for people that are looking to rebuild their credit. Transfer funds from a linked bank using routing and account numbers. My card had to be replaced because the first one they sent wouldn't read by chip, but at least they fixed that. The Sable debit card offers many benefits to users, including cash back, no fees, and global accessibility. No one cares anymore. Sable Bank Account And Debit Mastercard Visit Sable. Deposit limits and other restrictions apply. Talking to customer service is like talking to a brick wall and forgot about if you have a problem with a transaction your money is just gone! The Sable Bank app is available for users of the Android and iOS platforms. Because changing mobile deposit limits is possible, its important that you keep abreast of communication from your bank. No being stuck without answers on how to get the documents you need. Joke !! Stay away. Certain details, including but not limited to prices and special offers, are provided to us directly from our partners and are dynamic and subject to change at any time without prior notice. Direct deposit may be available up to 2 days in advance, but depends on when your employer sends paycheck data. Please provide PDF bank statements detailing joint bank account ownership with the listed receivers of the direct deposits. Any matching request submitted through our website does not constitute a loan application and you will have to submit a loan application to the respective lender before the lender provides you with an actual offer. Should be ZERO stars absolutely the worst bank ever! Know Your Estate Planning Options, Tip Sheet: Protecting Your Business from Cyber Fraud, Convenient check deposit anytime, anywhere, No need to wait in line to deposit a check, Accessible anywhere you can use your phone, Must have a Cadence Bank checking account or savings account to use Mobile Deposit, From your app click on the Deposit icon Select the make a deposit option, Enter the amount of the check to be deposited. They bank on the non Americans not knowing the systems thats why they approve more of them then Americans! Most credit cards have a payment due date and a statement closing date, but Sable refuses to disclose the statement closing date. So, you need to be comfortable making payments and monitoring your account on your smartphone to use these cards. How to Make a Mobile Deposit Step 1 Sign the back of your check Step 2 Take a photo of the front and back of your signed check Step 3 Upload your check into the Axos Bank mobile app Fast, Secure, and Free Mobile banking that's built for you Convenient: Deposit checks anytime, anywhere. Customers I have been in business for many years and if a business does not keep up to their agreement you have a right to back out and not pay or repay that business. This bank blatantly violated my consumer rights! when i say this digital bank platform has no idea how fed up people are with their ridiculous, asinine & outdated policy agreement ..if you ever receive your tax return & have it set to deposit into sable debit, remember since November 9th, 2022 their *weekly* transaction limit is $1,000 & oh yeah the kicker *no more* atm withdrawals but dont worry you can certainly deposit every cent you have & rest assured they will keep it as long as possible & make it hard for you to actually get your funds in some way or another ..i am closing the account soon as i can clear *my* money out their trashy system ..open an account at your own risk -, This company should not be trusted. They will lock your card without authorization and treat you like you're trying to commit fraud when you answer all their questions in full and ask for your account to be restored. I contact support through chat they dont respond, cell no response and email they send auto generated messages. 1 talking about this. Deposit into your account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus . They take your money and then block you from acces it with no explanation or communication. They never did Ive sent 99+ emails and spoke to 50+ reps since feb 2022 and nothing has been done to fix it. I called again today and was told that it would take 10-13 business days before I can get my money back. 5 Business Benefits of Using ACH Electronic Funds Transfers, What Happens if You Become Incapacitated? Minimum Deposit Amount. Sable provides transaction notifications through the mobile app, so you can easily keep track of when your card is being used. For additional information, please review our advertising disclosure. Get unlimited cash . Their slogan should be Sable - The only credit card with no card! The Sable Bank Account and Debit Mastercard and the Secured Sable ONE Credit Card are most suitable for US citizens with no credit history or international citizens living in the US. You will be asked to sign the check, provide identification and disclose the card account you wish the funds to be deposited into. They don't answer the phone or return emails. But they didnt bank on all the resources and support I had to fight back I broke down the 3 ways my consumer rights were violated and provided the links to view the case law around this and they went silent. I funded my account through an ACH transfer, which never showed up. Well 2 weeks later I still don't know why my account was closed and I still haven't received my money. What We Offer Helpful Resources Access Member Benefits Get to Know Wellby 24/7 Mobile Check Deposit | Wellby Financial It doesn't require an SSS Number and you can build US credit history. This company DOESN'T report your good payment history on time at all. Simply take the check into the local branch. Online fintechs, including Chime and several Chime alternatives, also accept mobile deposits. Never got the bonus. The app needs some tweaking imo. My relationship manager at Leap helped me create this & paid my university rent with the same as well. I've contacted them and they said they will send my money back but it will take 24-48 hours. Sable is a horrible representation of digital banking. They blocked my account after my 9000$ was directed to my card and I can not talk to anyone they never answer the phone, This is the worst company ever. 1. What is there to investigate? Send money . My wife and I open our account 9months ago and still we havent received our cards. I followed their instructions to the letter once and ended up paying a processing fee to transfer funds into and back out of my SAME bank account (not the Sable one) because CashApp doesn't let you transfer funds to your Sable debit card -- even though the Sable "help" article says it does. Allows you to make check deposits anytime, anywhere with the SmartBank mobile app. I tossed those cards that I could not use away and have been waiting on cards with chips for months now. Premium benefits like coverage in the event your covered cell phone is stolen or damaged (including cracked screens! The listings featured on this site are from companies from which this site receives compensation. Both cards have no annual fees, no foreign transaction fees, and offer 1%-2% cashback on purchases. Designed to improve your credit score. Restricted my account for a week giving no reason - I couldn't spend or access my money at all. What a pathetic excuse for an emerging FinTech. Note that most banks have a daily and monthly deposit limit. Ive had my account for a short time and Im steady Brent building my credit on their secured credit account option. This influences where, how and in what order such listings appear on this site. Quick & Easy-to-Use: Cash checks instantly 24/7 from virtually anywhere. Avoid this company like the plague. Regulation CC and its Effect on Mobile Deposits. Any court will back that up. Your physical card typically takes 810 business days to arrive. Select "Make a Deposit" and Follow the Prompts. join our free newsletter and join 25,000+ subscribers learning how to make more money, invest better, enjoy more of life with our 100% free newsletter. Mobile Check Deposit. I have a direct deposit to my card and today, 01/2/2023 all my transactions were declined. Stay Safe and Secure. Every time I tried to cash out I got an error page. Tips for using Mobile Check Deposit. I never received my credit card after sending them $200.00. I was really liking my sable account, its convenient, easy to manage, easy to pay the secured card and payments avail right awaybut I have rewards which I try to redeem, and I get an error message. Designed to help users make confident decisions online, this website contains information about a wide range of products and services. They gave me a credit score - this was my first card, and for the 8-odd months I've had it, it has been great. My suggestion, if you are thinking about Sable, think about running. A Deutsche Bank Filiale Deutsche Branch with ATM Address Dombhler Strae 2 90449 Nrnberg Phone +49 911 623979 0. Here are some things you can try to lower your credit card interest rate and pay off your debt faster. This month is the 1st I deposited money into my account and transferred to credit account and now my account is blocked again. you are forced to have your salary to come to Sable that was pretty much a deal breaker for me on top of all other inconveniences and very poor design this service has. They don't pick up the phone and no one is available for a live chat. There are just SO many other options available for flexible secured credit cards these days, I would say this is the WORST.