I’m now very satisfied with the speed at which money is received from my funding source and placed into my Goal account. Normal processing time seems to be around 3 days. That seems to be the industry standard in this age of computer technology. When I tested the transfer process back to my funding source it was denied for a rapid transfer. I discovered the reason why and it was Bank standards and not Guac’s. I will continue using the service and look forward to faster speeds as banking standards relax. I am very excited about the fact I don’t have to manually move money myself. Outstanding overall App and company.

Getting support through the app, on the phone or by email is difficult. I called 10+ times and no one would answer. When I sent an email, they said to call them, which makes no sense when someone doesn’t pick up. Your funds and round ups pull from your bank account immediately, but take days to show up in the Guac account and getting those funds back to your bank is a headache. I had fraud on my bank information that I originally signed up with them with. Rather than be able to update my current bank information, they said they would have to issue me a check in order for me to get MY funds back that I saved. A CHECK?! The whole thing is very inconvenient and not worth your time. You’re better off manually rounding up your transactions and putting those funds in savings in YOUR OWN bank so that way you always have access to them and they’re not in control by a third party. There is no point in saving up for a rainy day/emergency fund, and then not being able to use those funds for several weeks...waiting for a check to issue?! With technology today that should never have to happen. Customer service was unprofessional, and when I was asking questions to explain how the app worked they made it seem like I was unintelligent because I didn’t know every detail fine print that was listed on their website/app- when I was just asking for clarification of how everything works. Very untrustworthy and I do not recommend to anyone.

I’ve had this app for almost 4 years now and absolutely loved it. It was a literal asset so it pains me to write this review but as of late, my funds are locked in the app. When I try to withdraw them, it says that my account is locked for “reason unknown”. NO ONE will answer the support line and I’ve been trying for three weeks. Emails have been sent and voicemails have been left. Nothing. Concerned for my bank accounts safety, I’ve tried to delete my information from the app and it will not remove my bank info. Their customer support is trash. Don’t download this app.UPDATE: they responded to this post claiming that we spoke? We have never spoke. No email has been answered, no phone call has been answered. I was able to move my money out of the account but regardless, these people still have my bank account information because the app WONT LET ME DELETE the info. This app had such potential and I really miss using it but once they showed how terrible their customer support is, I will never recommend Guac again. Please answer your users emails and requests are take this app off the grid.

This is a SCAM. My bank looked into it and they are not legitimate. On my previous review they responded with a bunch of lies as they are likely doing with every review here. They have no overdraft protection at all. They cost me hundreds of dollars in overdraft fees. They didn’t put a stop to anything and overdraft my account by FIVE HUNDRED DOLLARS. They also didn’t let me delete my account at all. I had to read through the fine print and the only reason they finally stopped stealing HUNDREDS OF DOLLARS from my account is because I followed the fine print details to the exact letter and could have actually taken them to court for what they scammed me out of if they hadn’t. If you don’t believe me and believe whatever bullsh** reply they try to respond to this with just go to your bank and show them the app. Ask them what they think. This app is a complete grift. They are taking way more from your account than you realize and they have the legal right to do so. You will never see that money again. I almost became homeless because of this app over the summer.