Apparently Think wants to make it difficult to deposit money from its customers. That seems unusual for an organization that is in the money business. I’ve been doing deposits over the last year using an iPad Air 2, with no problems. The Air 2 is at the highest IOS update level. Now Think wants the Air 2 to be at a higher level in order to use the deposit app. So I am required to purchase a new iPad in order to do banking at Think. That’s an interesting business model. Looks like I’m going to be searching for a new bank.

I had expressed no overdraft protection when I opened my checking account yet about 2 months ago I was hit with a significant amount of overdraft charges when what should have happened was just not being able to buy anything with it. They made themselves look to be the hero by only overturning 1 of the 5. I know for a fact that is how I set up the account. Also they took all the money out of savings to cover a purchase when what should have happened is as soon as my checking account hit $0 no mor transactions and even declining it. I was in the middle of Wisconsin banking on the money I had in savings to buy enough gas to get home and was unable to so I was stuck sleeping in my truck for several days. So I did the paperwork again to opt out of overdraft protection. I also thought that if they were able to money out of savings to cover checking was a whole different agreement.

I mostly use the app for moving money (pay bills, transfer between accounts, deposit checks) - seems like the typical use cases. Every time you navigate away from the app and come back (even for a second) you have to sign back in. And every time you sign back in, the app painfully slowly refreshes everything. It would be fine if it signed me off after some configurable time, but immediately?? This becomes very difficult to use when paying bills because I switch between this app and email & other financial apps then come back to put in the information from the other sources. By the time this app goes through its paces when I come back to it, I’ve just about forgotten the details of what I had to navigate away for. Frustrating! I can use the browser and avoid this, but I really prefer an app - just not like this. Oh, and of course, there is no place in the app for feedback , so hopefully they’ll see it here.

The Think Bank app now requires iOS 16 and Apple only supports iOS 15 on iPhone 7 and 7 Plus so I’m unable to run this app any longer. This is disappointing since I was used to using the app on my iPhone to check automatic deposits and withdrawals. I don’t feel upgrading to a newer iPhone is justified just to keep using this app. I may look at moving my banking somewhere else where they have a app that I can use on iPhone 7.