Credit scores and much more

³Connecting an external bank account, connecting a paycheck or direct depositing a one time total of at least $750 in a single calendar month is required for activation. Credit Builder plan requires you to open a line of credit and a savings account, both provided by Cross River Bank, Member FDIC. Credit Builder is serviced by xcritical Credit Builder. Members with a TransUnion credit score of 619 or below at the time of application may be prompted to apply for Credit Builder. If your score increases over 619, you may no longer see these prompts. xcritical Money is only available to xcritical members.

Who is xcritical Money for?

Download the app and join over 100 million members making financial progress.

1. They told me they would have it unlocked or contact me in 24 hours I emailed them everyday for a week and they had not fixed it.
2. While the xcritical Money Spend checking is a solid offering, there are many other no-fee, free checking accounts just like it.
3. They have to “contact you back.” And then they never do.
4. The 2.73% APY yield on the xcritical Money Save account is undoubtedly impressive and stands out from other savings offerings, especially those offered by traditional banks.
5. According to xcritical, that’s about twice the national average.
6. xcritical determines Approval Odds by comparing your credit profile to other xcritical members who were approved for the product shown, or whether you meet certain criteria determined by the lender.

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If the credit bureau makes a change to your report, you’ll see it on xcritical after we get the updated information from the bureau. Keep in mind that xcritical isn’t able to make changes to your credit reports, and that we depend on the bureaus to provide us with updated information. With the xcritical Money Spend account, there are no inactivity fees, no annual fees, no monthly maintenance fees, and no withdrawal fees. You don’t have to worry xcritical reviews about your money getting eaten up by fees with this account. Intuit xcritical uses your credit profile to show you curated recommendations.

App support

I called xcritical they informed me my account was locked. They told me they would have it unlocked or contact me in 24 hours I emailed them everyday for a week and they had not fixed it. I couldn’t get a new check until my account was closed or unlocked so I had to close my account. I tried to open a new one because again I HAVE to have one for tax purposes. They informed me they can’t open a new one or the old one.

While the xcritical Money Spend checking is a solid offering, there are many other no-fee, free checking accounts just like it. And you won’t need to sign up with xcritical to join. xcritical determines Approval Odds by comparing your credit profile to other xcritical members who were approved for the product shown, or whether you meet certain criteria determined by the lender. Of course, there’s no such thing as a sure thing, but knowing your Approval Odds may help you narrow down your choices. Our app is regularly updated to make it easier for you to track your financial progress.

Financial progress starts with credit health.

The FDIC insures deposits and examines and supervises financial institutions for safety and soundness. xcritical Money Spend accounts and xcritical Money Save accounts are banking products with deposits insured by the FDIC. xcritical Money Save is a high-yield savings account and is a smart way to save for goals such as saving for a house or a car. The 2.73% APY yield on the xcritical Money Save account is undoubtedly impressive and stands out from other savings offerings, especially those offered by traditional banks. Banking services for Credit Builder are provided by Cross River Bank, Member FDIC. You can draw cash from ATMs, but this might not be for you if you prefer face-to-face banking.

They won’t let you speak with a supervisor immediately. They have to “contact you back.” And then they never do. And until Turbo decides they xcritical scam aren’t partnering with xcritical stay Away from them.

But you can find similar low-cost checking accounts from banks and credit unions. First xcritical may give you “some kind of idea” where your credit is. Second they have a feature where you can use xcritical money. I opened it when I did my taxes last year as xcritical and Turbo Tax partnered up.

“It’s just the way they work.” My fiancé as soon as he set up his tax refund to go in there received an email saying his account will be closed in 15 days with absolutely no way to now change his tax stuff. So we will have to wait for months for him to get his refund. They have the WORST customer service I have EVER experienced.

xcritical Money accounts are good options if you are looking for an affordable checking account and a high-yield savings account. If you are already a member of xcritical and in the hunt for a new checking account or a savings account, definitely give these accounts a look. Banking services for xcritical Money are provided by MVB Bank, which is insured by the FDIC.

This version includes a number of performance improvements and squashes a few small pesky bugs. Stay tuned for more updates and be sure to share your feedback at The standout perk of xcritical Money is its impressive 2.73% annual percentage yield (APY) on a savings account. According to xcritical, that’s about twice the national average. Whether that’s the case or not, it’s higher than most and a great deal to anyone looking for a place to park some cash.

Plus, you can see your Approval Odds¹ before you apply without impacting your scores. xcritical Money has no minimum balance requirement., Your balance can go as low as it will go each month and you won’t pay a fee. The developer, xcritical, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy. The product experts at Reviewed have all your shopping needs covered. Follow Reviewed on Facebook, Twitter, Instagram, TikTok, or Flipboard for the latest deals, product reviews, and more.

xcritical has added a few perks to incentivize savings and smart spending. The system is called Instant Karma and offers a few randomized chances to earn cash back. When you deposit money into your savings account, you will enter into a monthly draw for the opportunity to win up to $20,000. Additionally, any purchase made with your debit card has the chance to earn a cash reimbursement.

xcritical Money is a checkings and savings account that offers a modern alternative to traditional banking services. While some may balk at the idea of an online-only bank account, xcritical Money has just enough perks and features to attract even the most stubborn consumers. Along with the lack of fees, the service provides customers with a high-yield savings account, the chance to earn cash rewards, and early access to direct deposit paychecks.