Total Card 4+

The app has biometric login but it is unhelpful when logging in because it wont let you. It always says “ you are not enrolled in biometric log in” but when I log in the long way and check the settings the toggle is already pushed to green so I don’t understand. I think the company thinks they dont have to put any effort into a well performing app. We just want the things to work as they should which is not asking for too much especially since you are charging an up front annual and membership fee. Do better.

Sorry hear the app is not working for you. Please contact our Customer Service department if this continues to happen so we can try to assist.

So I make my payments usually, on the 4th of each month. They are always paid out of my connected checking account. This past month, I made my regular payment on the first, and because I have a few extra funds, I made another payment (from my same checking account) on the 13th. The payment from the 13th was processed and my balance changed but my available credit stayed the same. After about 2 weeks i finally called and was told, I needed to Mail or Fax my bank statement to prove the payment had cleared and they put a suspension on my card for multiple payments. I HAVE NEVER HEARD OF ANY NONSENSE LIKE THAT! I made the payment from the same account I’ve had linked to my card for years and now they’re suspending my card because I made 2 payments in one month??? If you can avoid this card, I would do so! Not only am I unable to use my card, but because I don’t have access to a fax machine, I would have to mail my bank statement and wait for them to receive it before they unlock my card! Crazies thing I’ve ever heard. OH and they told me if I pay the remaining balance I can close my card, so they will take my money from this account to close my card, but won’t take it to make an extra payment?? Horrible!!!!

Sorry to hear you had this issue on your account. Please contact our Customer Service department and we will be happy to explain the hold.

Besides The Bank of Missouri being an absolutely horrible bank (and it is truly a HORRIBLE, HORRIBLE bank), this is an absolutely horrible app for a horrible card.

Frequently I run into problems just using the app. For example, I updated my address when I moved and it recorded it backwards: it placed my apartment number and Mailstop on the first line of the address instead of the second where it placed my street address. The post office doesnt like that, according to my post person. I've changed it five times and when I save the information, it switches the first and second lines of the address without fail. I cannot get it to accept the correct address order no matter what I do.

I've also encountered numerous issues when trying to make payments; the latest of which being the app throwing an error indicating that the payment server cannot be found when I try to submit a payment. I've checked my Internet connection and every other app on my phone works except this one so I don't think it's my phone or my connection.

My experience with The Bank Of Missouri and its app has been exasperating to say the absolute least. I cannot under any circumstances recommend this card, this bank, or its accompanying app.

Sign up for and use all of them at your own peril.

Sorry you are not able happy with the account. Please contact our Customer Service department and we will be happy to assist with any questions.