I opened this account to take advantage of the cash back on purchases. I wish I had saved my time and money. I transferred from my Citibank account, which no longer earns airline miles, and deposited into my Perks Street account. Little did I know that my funds would be on hold for over 5 business days.

When I called to see my funds were not available, AFTER they had been debited from my Citi account, I was told Perk Street had the funds but could not release the hold for two more days. They basically held my funds hostage. I assume that was to earn interest. When I logged in and saw on the sixth business day that my available balance was still zero I had my husband call and he was finally able to get the funds released. It took emails and threats to get my own money that was clearly in their hands. I am closing this account ASAP! Run don't walk!

Perkstreet website is easy to navigate and very easy to see your current balance and any outstanding debits on your account. The 1% Cash Back and Perkstreet Points are easy to redeem.

Tried them......briefly. They sent me debit cards & checks to the wrong address (then what I used to start the account). After hours on the phone with their customer service they finally found out that that is in fact what they did. They did apologize but I really couldn't believe it. Needless to say I didn't reorder anything just canceled the account. I really can't do business with an incompetent bank. Stupid like this was not worth the cash back. Overall the bank has a "based out of a rusty trailer in backwoods Georgia" feel to it to me. Very unprofessional feeling I got with them. Glad to be gone.

Basically, i moved, and perkstreet received a piece of returned mail and decided to freeze my account without notifying me in any way. I found out the hard way, by having bounced checks and and incurring fees due to the fact that i used them for bill pay. Very embarrassing! Customer service has been terrible in so many ways, and they won't let you speak to a supervisor! Do not bank with this institution.

When I originally signed up I thought it was going to be great! Apparently I missed the fine print that PIN purchases are worthless... Anyways, I stopped using the card because my credit card rewards are MUCH better. About a month ago I got charged an inactivity fee... I called to cancel and the rep convinced me to keep the account because I could pay credit card bills with it...not true! They refunded the fee, but when I tried to use the card later to avoid another fee...IT WAS LOCKED DUE TO INACTIVITY!!! Would've been nice to know. So I was charged another fee for inactivity, but couldn't use my card to avoid the inactivity fee because it was locked due to inactivity!!! SO WRONG PERKSTREET!