Cogni Multi-Chain Wallet 4+

I have used a local credit union as my main bank for 8 years and I have made the switch to Cogni. I love the in app money sharing it's like venmo on steroids. I also love the customer service you get when signing up with this company. They always have an answer to my questions. It took Just about 5 days for my funds to transfer the first time, but customer service answered every call. Was nervous at first but all is well and I love it. Switching my direct deposit over to Cogni along with a few co-workers. Cool App and great cards!

I’d previously had account with them for a short time and actually closed the account on the same day in which I didn’t know what’s my purpose of opening the account for. My attention was that I was gonna use it for a backup account in case something happens to my primary bank. What really not helpful is on the same day when I closed my account, the customer service representative didn’t inform me that whenever you closed the account with them, you wouldn’t be able to open another account with them. What they could have least told me was if I didn’t want to use the account, just simply logged off your account and come back anytime to logged back on your instead of them closing it and didn’t inform their former customers. I don’t really know why they design it like that but it needs to be fixed immediately! You never know that they have former customers that wanted to come back. If I could give them zero stars, I would give them zero stars to this app and the customer service representatives and their other team that flat out lie to me about they didn’t see my email. I’d mostly definitely will not recommend them to nobody until they get this fixed!

Can’t do squat with the card but when one calls to ask why that’s the case, one’s met with professional, empathetic customer support specialists ready to hear you complain about the card and offer limited to no answers because there aren’t any and there’s no actual features to the card or account at all.

If doesn’t work with Plaid, doesn’t work with cash app, no go on Apple Pay, Google pay, Samsung pay. I can’t find an app it fully works with at all, has direct deposit problems, the app itself is garbage, it’s worse than a prepaid card though the card itself is nice looking. Cool.

If excellent CSR support is what you’re craving for an account that’s essentially worthless aside from the cash you put in, then this is the account for you.