Hassle to use, poor support, not as advertised. Sable does as this is an absolute SCAM! Ripoff #2) The credit card is a rewards card. Monday: Wells Fargo 5. Know Your Estate Planning Options, Tip Sheet: Protecting Your Business from Cyber Fraud, Convenient check deposit anytime, anywhere, No need to wait in line to deposit a check, Accessible anywhere you can use your phone, Must have a Cadence Bank checking account or savings account to use Mobile Deposit, From your app click on the Deposit icon Select the make a deposit option, Enter the amount of the check to be deposited. Your Sable mobile bank account is provided by Coastal Community Bank, Member FDIC, pursuant to license by Mastercard International Inc. Sable operates as Sable Money, Inc., a . My credit report said still active. Best Wallet Hacks $50,000 per day or $250,000 in a 30-day period. Their excuse? Find answers, watch videos and plan ahead with online tools. I guess it's time for me to check out Discover Card cause this company has my credit stagnant. What a pathetic excuse for an emerging FinTech. The first $225 of your total daily deposits is usually available right away. I never received my credit card after sending them $200.00. How to Log In to a Sable Credit Card Account Open the Sable mobile app. Please provide PDF bank statements detailing joint bank account ownership with the listed receivers of the direct deposits. Quick & Easy-to-Use: Cash checks instantly 24/7 from virtually anywhere. I wish that I could post all of my pictures, but then again, they're speaking loud and clear about how they feel about their customers and their Customer Service, but not address any negative reviews on this website alone in over 12 months. %PDF-1.3 I.e. Don't trust this company. Direct deposit (also called ACH) is usually free but can take longer to be credited. I wasted time, money, AND still had to go through the other transfer process and wait 2-3 days for the money to finally land in my Sable account so I could pay my credit card bill. This Company is a nightmare and don't you dare put your money in it. Fax +49 911 623979 30. Customers I have been in business for many years and if a business does not keep up to their agreement you have a right to back out and not pay or repay that business. Insurance and Investment products are: Not a Deposit | Not Bank Guaranteed | Not Insured by FDIC or other Government Agency | Not a Condition of any Bank Loan, Product or Service may go down in value. My direct deposit pension was returned therefore causing me not to have a deposit for July so I had to start over. I reported this company to the better business bureau. Premium benefits like coverage in the event your covered cell phone is stolen or damaged (including cracked screens! They accept your deposit and restrict your account immediately and never open it again. Customer service is terrible they said they will close the account and then after said their investing the account. However, most major U.S. banks, as well as many smaller financial institutions, allow you to deposit checks using this method. Its extremely frustrating that I cant speak to anyone live, I have tried, phone and chat, Nobody answered and nobody called back, and nobody responded while I tried to chat. Here are some things you can try to lower your credit card interest rate and pay off your debt faster. Stay far away! You cannot move money except Zelle that works only 50% of time, wire transfers -- they will force you to put proof of address, share your ID and will charge $3 for each incoming and $5 for outgoing transfer. Their slogan should be Sable - The only credit card with no card! Domestic transfers are 100% free and instantaneous. In June the quote on quote resolved the dispute and funded back just enough to to make me still have a balance of 507$ to pay. It is trash. After depositing money my account got blocked and there is no proper response from customer support. That said, you should be aware of some other risks to mobile deposits. This month is the 1st I deposited money into my account and transferred to credit account and now my account is blocked again. You can't link another bank account to pay your credit card bill. After an investigation they have decided to close my account AND KEEP MY MONEY. Really poor customer service. No being stuck without answers on how to get the documents you need. Don't respond for days. Not very secure at all, trying to still get money back from unauthorized purchases. For the love of god please go with another company. My score reached 700 and no bonus. They were not gping to send me my cards. Otherwise go back and make necessary changes. Mobile deposit is a way to deposit a check without physically going to the bank. Restricted my account for a week giving no reason - I couldn't spend or access my money at all. This is a fraudulent company, they will ruin your credit. In addition, youre never responsible for fraudulent purchases made on your card. HR should be fully responsible for hiring people that have no or little experience with money. Deposit into your account a total of at least $15,000 to earn a $150 Bonus or deposit a total of at least $25,000 to earn a $200 Bonus . I consider it a loss but this is a warning to anybody ever considering opening an account with them. I was on hold the other day for 3hrs 58 mins and hung up on than they emailed me to say sorry about the hold something came up they would reach back out. Theres no number listed anywhere and the one that I found was for a completely different company. Will be working to close them if possible. Banking services provided by Coastal Community Bank, Member FDIC. Minimum Deposit Amount. These funds serve as a security deposit only. Get paid back from friends for the concert tickets you purchased. Sable is a good digital checking account and card (8.2/10) which our experts recommend, particularly for its easy signup process and very low fees and exchange rates (9.3/10). I want to like this service, I really do. I was trusting of their very detailed webpage that I submitted photos of my Passport and EB3 visa foil page only to know that my application is denied. This review was completed using information from the Sable website. Those include: Jointly payable checks (there are some exceptions - call 1.888.725.2207 for details) Please flatten folded or crumpled checks before taking the photos. However, Sables website has a detailed FAQs page that explains the application and monthly billing processes. They also play this little game with you telling you the card will be unsecured in as little as 4 months and make you jump through hoops and then freeze or restrict your account for no reason or explanation and reject incoming deposits causing you not to be able to pay your account because you can ONLY pay the account from money in your Sable bank account! Then our Mobile Deposit feature is perfect for you! Though based on meticulous research, the information we share does not constitute legal or professional advice or forecast, and should not be treated as such. to take a picture of the back of the check, and repeat steps. I contacted them several times about the bonus and always got the brushoff. Who knows if they made a fake visa foil for somebody using my visa information? 1. All other purchases qualify for 1% cashback. I recently hIm so thankful for the help I received from Sable. Endorse the check. Then it gave me one delivery date then checked ahain there was another one then another different one. None of the cards even worked when I had to slide them through the terminal because they did not even have card chips on them. Never had a problem was able to lock and unlocked my cards as needed. So, I added my Sable debit card, transferred money into CashApp, and cashed out in CashApp -- and the money went back into my other bank account, and I was charged a fee. 1. I am really surprised how well this works and I am looking into more options to build my credit score with a different mix of credits. Please never work with them for your safety. Mobile Check Deposit is a complimentary service. The Sable Bank Account and Debit Mastercard has no annual fees, no foreign transaction fees and 0% APR. So someone please tell me what does this mean they do or don't because they haven't. Overall a terribly run company that clearly banks on the fact that people will make large deposits which they essentially steal from you. Or, use the Deposit Checks shortcut. Bankrate's best banks for early direct deposit in 2023. Must have a Cadence Bank checking account or savings account to use Mobile Deposit; Must be enrolled in Online Banking; Must have the Cadence Bank app; Limits: Total Daily Check Deposit: $3,000; Total 30-Day Check Deposit: $15,000 ; Fees. Related: Best . Use a dark background to get the best image of the check. Sable is not for Seniors! "Checks will need to be endorsed just as . All of these products can be accessed and used through the Sable app, available on both iOS and Android devices. Negative stars2 months no cardsnow suddenly closed??! On Feb 14, after a problem with my address, my account was blocked, they did not give any information about this ,terrible support, I called them and wrote to them, but they ignore me! I love this bank! It's.okay. This is the WORST bank ! Who does business like this? The interest rates of many popular credit cards are now hovering close to 30%. Reproduction in whole or in part is strictly prohibited. $1,000 per day/$3,000 per month for accounts six months or older. 1. launch. What started as a nice idea is rapidly unfolding as a nightmare. View and search 24 months of transaction history. It's horrible, I have had them for about a year and finally had my federal taxes deposited onto the account. I will try to build more history and also started a credit builder loan with Self. Sable Business Profile Sable Financial Technology Multi Location Business Find locations Contact Information 1411 Broadway Fl 16 New York, NY 10018-3471 Visit Website (833) 583-8383 Customer. Fill out the "Username" and "Password" fields. Although online banking is quite safe, it is not failproof. Its the first account I opened once I arrived in the US, smooth onboarding process! One way to improve your credit score is to be added as an authorized user on another persons credit account. I recently had a hack on account that had sables information linked to the account and was charged more than $400 for service that I did not order or authorize, but they investigated the matter and I receive my refund without any trouble whatsoever . Today, I called to close BOTH my checking account and credit account & decided to use the chat platform, as advised as one of the alternative methods of reaching Customer Service on the pre-recorded message. The Sable Bank app is available for users of the Android and iOS platforms. Learn more in our full review. Again, safe storage of checks youve deposited via your banks mobile app is strongly recommended to help avoid depositing a check twice. Miscellaneous Link an external account to Sable or manage existing linked accounts How to make transfers from Sable using Wise Fees for sending funds via Wise What's the exchange rate being used for Wise transfers? Sable is an online bank founded in 2019 to provide banking and credit services to international residents in the US. Deposit options Incoming ACH transfer. Member FDIC | Equal Opportunity Employer | NMLS#410279, Debit vs. Credit Cards: Pros and Cons of Each, 5 Tips for Managing Your Checking Account and Savings, Tip Sheet: Protect Your Business from Cyber Fraud. This credit card does not require a ss number OR a credit check to open. Lets work together and stop this from happening to other goodnpeoome. I told them it wasn't me. Shut down my account after I made a Wire transfer of over 160K into the account, saying "Following a thorough review of your account history and activity, we are unable to service this account any longer and your account will be terminated." Let's fund your account Refer a friend. I find the app is not very user friendly. Chat is always closed and they still havent responded to any of my emails!!! And again, the transfer takes longer than ANY of my other accounts, which always post within 24 hours or less these days. Using your banks mobile check deposit feature is fairly simple. You'll never receive a statement they don't send statements. They provide a great service. They gave me a credit score - this was my first card, and for the 8-odd months I've had it, it has been great. And than closed my account. Certain details, including but not limited to prices and special offers, are provided to us directly from our partners and are dynamic and subject to change at any time without prior notice. What account activity???!?! Mobile deposits are usually cleared within a matter of days. Wire transfers typically process within a day but may cost more. After reading the reviews here I'm glad I got rejected. I have been trying to close account that's another joke. Security: Citadel Mobile Deposit is secure with encrypted check image capture and transmission. They would not give me my cards, it been over two months an sable closed my account that I was trying to build credit with, when I kept trying to get ahold of them they finally said they closed it. x$IrypT&^2Z0@L&"P The customer support is sub-par and I am still waiting on a response about why my credit reports say closed when my account is actually opened and it has been about a whole week now with no response. This company is going down and id recommend anyone who use them to stop immediately and close the account. NO I didn't do the hiring. Most credit cards have a payment due date and a statement closing date, but Sable refuses to disclose the statement closing date. I was guided and told wrong information, but that's my fault!! Im perusing legal action. All banks differ, but banks that allow mobile deposits usually accept all types of checks, including: Check with your bank for details, as not all banks allow mobile deposit. By using a mobile device with a camerasuch as a smartphone or a tabletit's easy to take a picture of the check, which is then uploaded through the bank's mobile app. [2] Card usage is subject to card activation and identity verification. I'm afraid this bank stole my money! Pay Bills. The content on this site is for informational and educational purposes only and should not be construed as professional financial advice. Direct Deposit Make payday even better by having your paychecks or social security checks deposited directly into your account. To retake the image, tap the red undo button.) . Looked at my credit reports one day and saw that my account said closed on Transunion and Equifax when they are still open. Sable allows you to visit select retailers and add funds directly to your debit card. If you like using mobile deposit or are interested in learning more about how it works, youve come to the right place. Its now oct 26 ,2022 in feb of 2022 I have a 10,207$ fraudulent charge show up on my sable secured credit card with a limit of only 507$ I disputed immediately and they still reported to bureaus that I owed all the money and added 99$ in interest on the total every month. However, it's important to note that you can't make mobile deposits with the app at the time of writing. Please consult with a licensed financial or tax advisor before making any decisions based on the information you see here. Your physical card typically takes 810 business days to arrive. The best alternatives to sablecard are TransferWise , Stilt and POINT. I can't. Connect with one of our teammates for one-on-one assistance. But it does speak volumes about their lack of integrity. Items greater than $2,500 will generally not be accepted through Mobile Check Deposit. I opened the app and it said my account was restricted. Sign the check and write For Mobile Deposit Only- SmartBank. Check with your bank to get the exact processing times and costs. Review information, and if correct, tap Approve. Froze my account with 6k in it after I had my taxes deposited. << /Filter /FlateDecode /Length 28156 >> Unfortunately, we do not have any additional details at this time but I have requested a status. You cannot treat Americans this way and think that this is okay. Very dubious bank. So you have to find a place that deposits cash. Chase Bank 3. Account restricted a month ago as the majority of others report. My cards always declining because a company dont even except this card. They deserves LESS than a one. Doesnt work either. The listings featured on this site are from companies from which this site receives compensation. But SUPER frustrating because now it's already late, I'm stressed out because I have to manually keep going back in to check and see if the transfer has landed yet. I have had Sable for roughly 2 years now and out of the 20 digital banking apps so far, this is one of the worst. Should be ZERO stars absolutely the worst bank ever! Now I have to use the virtual cards instead. Well 2 weeks later I still don't know why my account was closed and I still haven't received my money. Both cards are secure, meaning that you must deposit funds into a reserve account to establish your credit limit. They will lock your account without a reason, they pick which accounts to send their physical credit cards to with no guidelines. Input the Amount of the check and select Deposit To from the list of available accounts. By using our content, products & services you agree to our Terms of Use and Privacy Policy. AND their help articles that say how to use CashApp to get funds into your account immediately are patently WRONG. They do not answer calls, emails are answered 2 - 5 days. As promised, I graduated to an unsecured card in 4 months and they doubled my limit. I thought it was to help credit but obviously its more for non Americans then actually Americans which is crazy to me because you dont even need a social to get it but denied me bc of my credit without a credit check? Don't use Sable, any competitor is better. Never give you the chance to fix any problem. There is always a possibility of security breaches surrounding a mobile deposit. U.S. credit, debit and bank accounts Designed to improve your credit score 3X faster graduation to traditional credit. Sable Moving Money Moving Money Transfers Direct Deposit Status Where is my ACH transfer? Its important to be aware that your mobile deposit limit can change anytime. I followed their instructions to the letter once and ended up paying a processing fee to transfer funds into and back out of my SAME bank account (not the Sable one) because CashApp doesn't let you transfer funds to your Sable debit card -- even though the Sable "help" article says it does. Their customer service is practically non-existent with long call wait times that either end in a disconnected call or completely useless agents that will tell you what you want to hear to appease you about your account information. Whereas your security deposit backs the Sable ONE Secured Credit Card, backing for the Sable Mastercard Debit Card comes from the balance in your Sable banking account. Your bank may reject your mobile deposit if it wasnt performed correctly. You'll never speak to a live person. Preparing a lawsuit to the police! To retake the image, tap the red undo button.) The app needs some tweaking imo. I've jumped through every hoop Sable Money has to offer, making at least 15 purchases per month that total $250 or greater, having a credit limit of $200 or more, on-time credit card payments, a recurring deposit of at least $150 and yet to have my card unsecured. Email response is very slow and phone number can not get you a real agent to talk with. Sable lets you deposit up to $10,000, which would give you a $10,000 credit limit. Deposit limits and other restrictions apply. All loan approval decisions and terms are determined by the loan providers at the time of your application with them. Please please dont used there products. Worst customer service you could imagine. However, it forces you to give at least one. It is owed to me and they will not pay me. Severely immature product that for me personally was too painful to use. But you cannot get the funds into your Sable bank account immediately -- you have to wait a few days for them to transfer (the transfer time is the slowest of any I can think of). You will be asked to sign the check, provide identification and disclose the card account you wish the funds to be deposited into. We are writing to let you know that your account(s) have been closed due to inactivity, effective immediately. Your purchases can earn up to 2% cash back. I have a direct deposit to my card and today, 01/2/2023 all my transactions were declined. Does anybody know how to actually cancel this Sable account? I am new to Sable, it was the Secured Card that grabbed my attention. Appears to me that they opened an account without my consent and they don't have an application so now they are scrambling similar to what Wells Fargo did to their customers. Here's what you need to know: Manage your accounts confidently and safely through our secure Online Banking platform. For additional information, please review our advertising disclosure. Certain types of checks are not able to be deposited through your mobile phone. When I ask when they will be shipped, I get the same answer. "I don't see any cards." This content has not been reviewed, approved or otherwise endorsed by any of these entities. They anticipate and prey upon large transfers and direct deposits and quite literally steal your money by "locking" your account for "inactivity" or what they consider to be fraudulent behavior, when really THEY are the frauds! Then not long after that I signed back in and it said wrong password which was not wrong. I have not seen my card since, do not know if I dropped it there, maybe the parking lot, not sure. All I wanted was a copy of the application. CT: Mortgage Broker only, not a mortgage lender or mortgage correspondent lender. With eligible direct deposits totaling at least $500 in the previous 31 days, otherwise a $3 fee per transaction applies. For items submitted by5:00 PM ESTMondayFriday, funds will be deposited on the day of deposit. Safety starts with understanding how developers collect and share your data. Stand up! What We Offer Helpful Resources Access Member Benefits Get to Know Wellby 24/7 Mobile Check Deposit | Wellby Financial Stay away from this company. Company allowed someone to open an account using my Name, DOB and SSN and allowed the person to change the address. I had stopped using it because of my disappointment and wanted to cash out my rewards before closing the account. How to Make a Mobile Deposit Step 1 Sign the back of your check Step 2 Take a photo of the front and back of your signed check Step 3 Upload your check into the Axos Bank mobile app Fast, Secure, and Free Mobile banking that's built for you Convenient: Deposit checks anytime, anywhere. My application was rejected with no reason after sending them confidential information. I called again today and was told that it would take 10-13 business days before I can get my money back. I applied for a sable card I downloaded the app and signed up. Sable | Banking for building a life. Their customer service is also SO slow. Transfer money cheaper. If Sable determines that you're eligible, the company will notify you and you'll have to opt in, after which you'll receive your security deposit back as a credit balance. I didn't even know my identity was stolen until my credit score started falling due to the unpaid account. Your username will be your email address. To increase your credit limit, simply deposit more funds into the reserved account. Have left numerous emails, my phone number, and voice messages everyday and no one will reply to any of the messages. They will lock your card without authorization and treat you like you're trying to commit fraud when you answer all their questions in full and ask for your account to be restored. I completed and submitted the list of transactions 8 times(they say they need more info) even though they can see all the transactions on the account. The limit is up to $500 per 24 hours. Right now my money is held by them for over 10 days, and has not been returned yet. Copyright 2009-2023 Natural Intelligence Ltd. All Rights Reserved. Mobile App Overview Service Feedback ), and providing an option to turn off the "enable fingerprint" screen. 3X faster graduation to traditional credit than anywhere else with tangible milestones. Once your account is approved, youll be issued a virtual card that you can start using right away with Google Pay and Apple Pay and for online purchases. When I questioned them this is the response I received we currently report all information including your credit utilization, outstanding balance, payment history, and credit limit. They've really knocked it out of the Park and that's unheard of theses days. They false advertise because they do not help build credit! Non-citizens will need to take a photo of their passport and visa or I-94 document. Bank Of America 2. The decision was made after thoughtful consideration and is final. Have been using it for a while now and hadnt had any issues. So I'm out around $45 in bonuses that they had promised which isn't a huge amount of money. Save my name, email, and website in this browser for the next time I comment. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); I am not a financial adviser. The developer provided this information and may update it over time. Loved the cash back. 1 talking about this. Sign the check and write "For Mobile Deposit Only- SmartBank". Key Bank. They say you can fund the card at numerous retail locations, but everywhere I went (Walgreens, CVS, 7-11), it failed to go through. One thing to note is that you can only manage your Sable account via the mobile app, which is available for iOS and Android. Then send you cards in the mail. Select the account and enter the check amount: Choose the account into which you want your check deposited. old well i did not need this piece a S____ card anyway i have a DISCOVER IT AND WELS FARGO ACTIVE CASH with good credit limit. Youve likely heard the stories about the IRS being notified when you deposit a large amount of cash. Business mobile deposit is a service for businesses who want the convenience of depositing a check into their business account from anywhere using a mobile device. The Sable Bank Account and Debit Mastercard and the Secured Sable ONE Credit Card are most suitable for US citizens with no credit history or international citizens living in the US. I told the lady it sounds like a scam. The rest of your deposit amount will typically be available the next business day (Monday through Friday, excluding holidays) if your deposit was made before 10:00 p.m. Central time. They don't pick up the phone and no one is available for a live chat. The Sable Secured Card has no annual fee nor late payment penalty fee. They don't perform credit checks so there is no way to catch fraudsters before they strike. *A monthly direct deposit of at least $1,000 is required to waive the $9 monthly account fee. Sable reports payments to the major credit agencies monthly, helping cardholders build credit over time. Is the worst card in the market. Some accounts are not eligible for mobile deposit. They approve non Americans but wont approve an American? Select "Make a Deposit" and Follow the Prompts. So, you need to be comfortable making payments and monitoring your account on your smartphone to use these cards. Ripoff #1) Their website promised a $25 bonus when your credit score reached 700. In 2021, 89% of banking customers in the US use mobile banking for account management, and it is estimated that more than 3.6 billion people will use online or mobile banking by 2024. Mobile Check Deposit. If they can't even handle the most basic business functions like getting a card mailed out, how could I ever trust them to handle my money? The Secured Sable ONE Credit Card offers 2% cashback on purchases at Amazon, Netflix, Spotify, Hulu, Uber, Uber Eats, and Whole Foods. I found out only because I have credit monitoring. 9 months ago Updated At this time, we do not accept check deposits or mobile check deposits. Sign on to your account. RESET Get started now. This is a scam. The time it takes for a mobile deposit transaction to be credited to your account can vary. This Mobile Deposit Service Agreement ("Agreement") sets forth the terms of the electronic check processing service ("Service") offered to you by Morgan Stanley Private Bank, National Association ("Bank") and/or E*TRADE Securities LLC ("E*TRADE Securities") or Morgan Stanley Smith Barney LLC ("MSSB" and together with E*TRADE Securities, "Brokerage"). Citibank 6. What a joke! Sable is an online bank founded in 2019 to provide banking and credit services to international residents in the US. I would have given this review zero stars. (11:07:24 AM) Angelie M: Thank you when i say this digital bank platform has no idea how fed up people are with their ridiculous, asinine & outdated policy agreement ..if you ever receive your tax return & have it set to deposit into sable debit, remember since November 9th, 2022 their *weekly* transaction limit is $1,000 & oh yeah the kicker *no more* atm withdrawals but dont worry you can certainly deposit every cent you have & rest assured they will keep it as long as possible & make it hard for you to actually get your funds in some way or another ..i am closing the account soon as i can clear *my* money out their trashy system ..open an account at your own risk -, This company should not be trusted.