The United Debit rewards card is good for people who want to earn miles, unfortunately it’s very low but if you use it for everything, you can get a decent amount of miles with no caps. I wish the app would tell you in the transaction. how many miles you earned for that particular transaction would be a nice feature in the future. The whole direct deposit page works only for certain employers, my employer doesn’t participate in that particular direct deposit, but you are able to set it up manually with your account and routing number found under the settings.

This bank and this account is one of THE worst I have ever opened!!! They asked me to send in a copy of my ID for verification and I did, they let me use the account for 2-3 months just to turn around and block me using the account all of a sudden and to say they needed ID again and a phone bill because they couldn’t verify me! They will hold any monies you have in the account and take over 2 weeks to send an email to say what the problem is, not a letter via the mail and then proceed to say it will take another 3-4 weeks to send me my money back after they’ve been holding it for 2 weeks now if I just have the account closed and charge me a $5 fee for closing the account. This whole rollout for this rewards debit account has been nothing but one problem after another and clearly was not thoroughly vetted or thought out before presenting it to the public. Don’t waste your time with this, either get the credit card or book a flight for points or either shop through the UA portal but for the love of everything, steer clear of their checking account, oh and lastly, those bonus 10k points are a joke too.

THE GOOD: I actually like the card. Once you make a transfer one time FROM YOUR BANK APP (I have Capital One), the rest will only take one day to reach the United Debit account. If you have Apple Pay, you instantly add money to your card from you Apple Cash. So I haven’t had any problems putting money on the card. And it’s fun to see the miles increase (when they finally do.)THE BAD:The app does not show you how many miles you’ve received per transaction. Doesn’t show it in the app; and it doesn’t even give you total for the month on the bank statement!! You have to literally calculate each transaction for yourself, then add it up to see if you received the miles. Which is extremely hard to do because the miles take DAYS to be adding to the miles tracker. So there no way to know what or if you’ve actually received mikes from all your qualified tractions. THIS NEEDS TO CHANG!!! Show what we’ve earned per transaction in the app AND on the statements.

I love United and I love getting the free miles, but I am very surprised that they would partner with such a terrible bank. Everything else you’ve seen on the other reviews is true. The hold money, you cannot initiate transfers from within the app, they “don’t know what the money is”, and it’s overall just very lacking and frustrating to work with. This is my first month and I’m still trying to fund it, I am hopeful that once I’m able to set up scheduled transfers I’ll just have my bills come out of there and make some miles, but the only thing that’s making me hold is the fact that it’s UNITED.Update Jan 20th:Account funded, impossible to set up autopay with most companies and direct deposit takes a day to process. I have closed the account.