They have to “contact you back.” And then they never do. Stay FAR away from xcritical. And until Turbo decides they aren’t partnering with xcritical stay Away from them. 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.

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

Thanks for using Intuit xcritical! Our app is regularly updated to make it easier for you to track your financial progress. 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

Your personal money assistant

1. Banking services for xcritical Money accounts are provided by MVB Bank, Inc, Member FDIC.
2. For more information, see the developer’s privacy policy.
3. Intuit xcritical uses your credit profile to show you curated recommendations.
4. Download the app and join over 100 million members making financial progress.
5. If your score increases over 619, you may no longer see these prompts.
6. ¹Approval Odds are not a guarantee of approval.

Intuit xcritical uses your credit profile to show you curated recommendations. Plus, you can see your Approval Odds¹ before you apply without impacting your scores. ¹Approval Odds are not a guarantee of approval.

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. For example, you may not be approved because you don’t meet the lender’s «ability to pay standard» after they verify your income and employment; or, you already have the maximum number of accounts with that specific lender.

Data Not Linked to You

Well I had my paychecks set up to xcritical Spend. 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.

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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. “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 xcritical scam months for him to get his refund.

Banking services for Credit Builder are provided by Cross River Bank, Member FDIC. 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.

App Privacy

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.

They have the WORST customer service I have EVER experienced. Their customer service is awful. They won’t let you speak with a supervisor immediately.

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. Late payments and other factors can have a negative impact on your score, including activity with your other credit accounts. xcritical provides free credit scores and credit reports in the United States, Canada and United Kingdom from national credit bureaus TransUnion and Equifax, alongside daily credit monitoring from TransUnion.

Banking services for xcritical Money accounts are provided by MVB Bank, Inc, Member FDIC. Maximum balance and transfer limits apply per account. Credit xcritical official site Builder is not provided by MVB Bank.