True Link FinancialReviews of truelinkfinancial.com

True Link does not support same-day transfers. True Link is run by Sunrise Banks N.A., St. Paul, MN. I considered getting my own Sunrise Bank account, but was told that transfers from my account to my son's would not appear on the same day. Those transfers, because they are going from a bank account to a pre-paid debit card, cannot be settled on the same day. It can take three business days, which, for my purposes, is too long. I really love the idea of True Link cards, but they just don't work for me. The monthly service charge is too high for an account that does not meet my needs.

In general I am satisfied with your service however there is plenty of room for improvement. My biggest problem is that you can’t ban certain categories of merchandise. Specifically the trust fund I’m managing forbids me from spending monies on food. Therefore I have to not allow purchases at a store like Walmart because they also sell food. I don’t know your business but if you can get the vendors to give you a more concise report on what was purchased so you could allow charging on allowable categories. Your method for putting more money into the card is working well it’s just difficult with the categories as my niece who is the user of the card has cognitive problems where she can’t follow simple directions and she continues to try to use card in places where she gets denied.

I like the real time updates on card use. I wish that the money transfers to the card were faster. Ideally, they would be instantaneous

I am new to True Link - admin for my brother. A brand new card and I activated it on Wednesday 1/11/23. Transferred $ to the card on the same day. I immediately checked my bank and saw the transaction pending. The next day my bank showed the completed transaction but zero in True Link. On Friday 1/13 I called customer service and was told all new accounts take a little longer to process. Once they gain experience with my bank, it should be a faster transaction. This was on a Friday and no banking on weekends and holidays. Monday was a MLK holiday so I was out of luck. The rep said I could send True Links Funding Department bank statements that MAY expedite this initial transaction and future transactions. That would not help me so I declined. Like I said, I am a new customer with no experience with True Link. I am being kind in giving 2 stars as a starting point. True Link should inform new customers they use pigeons to transfer $ which is quite slow. Once I gain some experience with True Link, I will provide a new review and hopefully it will be 5 stars. Also, the customer service rep was polite but not helpful in providing knowledgeable information. The rep answered the phone which is a plus. Oh, today is Wednesday 1/18/23 - still no $ in True Link account.

I have been very surprised by how much I appreciate True Link. It was recommended to me by my sister-in-law who is an estate planning lawyer. She specializes in parents who want to provide for their children with disabilities. My father, who has Parkinson's disease, has been having problems wanting to shop at certain stores. Luckily, True Link is able to block his use at specific types of stores including that one type. This has been a wonderful change to his life. And it has reduced my stress greatly. I no longer have to worry about where he is spending money, but I also love the feature of automatically refilling for him. The only thing I would change is the monthly cost, but I understand that to have a miracle card like this comes with hardworking people who are behind the scenes.

This is an excellent tool to help manage spending for someone who doesn't understand how to manage money.

Main problem I want her to receive money on Fridays since u dont transfer on weekends. I just asked for it to be transferred on Wednesday, and it arrived Thursday. I will try again moving it to Thursday and hope it deposits on Fridays- very frustrating- as well as no weekend money transfers

This was just what I was looking for to help an elderly friend who was being scammed with every credit card he owned. This controls what he gets so we can control his spending, but also able to block things he should not be allowed to buy especially with scammers.