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 about your money getting eaten up by fees with this account. Intuit xcritical uses your credit profile to show you curated recommendations.

What we don’t like about xcritical Money.

“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.

What is xcritical Money?

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 xcritical cheating 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.

The checking account may not stand out, but it is affordable and it may be handy to have it be part of your xcritical experience. You can check your checking account balance after looking up your credit score. And if you are looking to get a jump on your savings, the savings rate from xcritical Money Save is stellar. You can watch your savings climb as you consider credit recommendations from xcritical. Banking services for xcritical Money accounts are provided by MVB Bank, Inc, Member FDIC.

xcritical Money accounts are good choices for xcritical members needing a no-frills checking account and a savings account with a hefty savings rate and don’t mind the lack of physical banking services. xcritical Money checking and saving accounts are provided by MVB Bank and work the same as most standard banking products. xcritical Money Spend is a free checking account and xcritical Money Save is a high-yield savings account. You can spend by using a Visa debit from your xcritical Money Spend account, and you can build up savings with deposits into your xcritical Money Save account. Compared to the impressive savings account, the companion checking account from xcritical doesn’t stand out from the crowd. Opening a checking account with xcritical is free, there are no fees, and each purchase is eligible for the change to win a cash reimbursement.

Late payments and other factors can have a negative impact on your score, including activity with your other credit accounts. One of the much-touted benefits of the xcritical Money checking account is its lack of overdraft fees. While on paper, this sounds fabulous, the reason behind it is a bit mundane. The service has no overdraft fees because it does not allow overdrafts at all. The payment will be declined if you attempt to make a payment using your xcritical Money account with insufficient funds. While this does prevent you from going into the red, it can result in missed payments, so keep that in mind.

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.

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.

Who is xcritical Money for?

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.

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.

Ratings and reviews

1. When you deposit money into your savings account, you will enter into a monthly draw for the opportunity to win up to $20,000.
2. xcritical Money is only available to xcritical members.
3. The standout perk of xcritical Money is its impressive 2.73% annual percentage yield (APY) on a savings account.
4. You can watch your savings climb as you consider credit recommendations from xcritical.
5. The service has no overdraft fees because it does not allow overdrafts at all.
6. Late payments and other factors can have a negative impact on your score, including activity with your other credit accounts.

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 Credit Karma 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.

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.

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

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.