We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Cookie Preferences

Many websites use cookies or similar tools to store information on your browser or device. We use cookies
on BBB websites to remember your preferences, improve website performance and enhance user experience, and
to recommend content we believe will be most relevant to you. Most cookies collect anonymous information
such as how users arrive at and use the website. Some cookies are necessary to allow the website to
function properly, but you may choose to not allow other types of cookies below.

Necessary Cookies

What are necessary cookies?
These cookies are necessary for the site to function and cannot be switched off in our systems. They are usually only set in response to actions made by you that amount to a request for services, such as setting your privacy preferences, logging in or filling in forms. You can set your browser to block or alert you about these cookies, but some parts of the site will not work. These cookies do not store any personally identifiable information.

Necessary Cookies must always be enabled

Functional Cookies

What are functional cookies?
These cookies enable the site to provide enhanced functionality and personalization. They may be set by us or by third party providers whose services we have added to our pages. If you do not allow these cookies, some or all of these services may not function properly.

Performance Cookies

What are performance cookies?
These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site. They help us to know which pages are the most and least popular and see how visitors move around the site. All information these cookies collect is aggregated and therefore anonymous. If you do not allow these cookies we will not know when you have visited our site, and will not be able to monitor its performance.

Marketing Cookies

What are marketing cookies?
These cookies may be set through our site by our advertising partners. They may be used by those companies to build a profile of your interests and show you relevant content on other sites. They do not store personal information directly, but are based on uniquely identifying your browser or device. If you do not allow these cookies, you will experience less targeted advertising.
Resources for Businesses

My Home Location

Columbus, OH, USA

My BBB

BBB of Central Ohio
Share
Business Profile

Bank

Applied Bank

Headquarters

BBB accredited business seal
BBB Accredited BusinessA+Rated by BBB

Reviews

This profile includes reviews for Applied Bank's headquarters and its corporate-owned locations. To view all corporate locations, see

Find a Location

Applied Bank has 11 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

    Please enter a valid location.

    Customer Review Ratings

    1.53

    Average of 17 Customer Reviews

    Want to share your experience?

    Leave a Review

    Review Details

    • OSCAR G

      Date: 04/13/2025

      Hi Guys, I know everyone has had different experiences with Applied, but I have not. I got my Card in May of 2011, and I have had it every since. I have the platinum card. They do not offer that card anymore. Last year early 2024 and Late 2023 I had a few issues personally, and had (4) 30 day lates and (1) 60 day lates. I called them and talk to them, you need to call the bank to get away from the call center and real people in the credit department in the back of the bank. They removed them all, it was absolutely incredible. I have a $5000 limit with this card. As many of you hate the fees so do I. But, you cannot just buy that direct history once you get a card. Meaning this card is not an authorized user, its all yours. I have a 14 year history and to close this card would be reckless. Yes I have perfect credit now, but a 15 year history I can't buy anywhere. Remember length of time is very important to your scores.

    • Deedrie F

      Date: 02/11/2025

      They refuse to give me my refund back. I gave them $200 for a secured credit card and they now tell me it's not secured. do not get this credit card! They rip people off.

    • Patricia B

      Date: 10/13/2024

      I applied for a secured card with Applied Bank. The card works fine. However, they have extremely substandand security and protection for your card because they do not allow you to view your statements online and you cannot sign up for paperless billing. Currently, my card has a high balance and I know the charges are not all ffrom me because I rarely use the card. I explained to their CSR that my mail is being stolen and I have not received a statement in over 90 days. I asked to go paperless. They stated they do not offer it. So I logged on line to see my online statement, and they do not offer that either. What is this? There is fraud on my card and there is no way for me to review it on paper, or on line for myself. I need to see it in writing so I'll know what to dispute. Applied Bank offers no solution. Next, I will be filing a consumers complaint with the government becuase this is absurd. We live in an age of very active A.I. and hacking and they can't offer paperless billing or allow you to view your online statement? This company does not need to exist with such low level or personal protection of your data and identity. Extremely disappointed. Had I known the limitation of this credit rebuilding card, I would have NEVER applied. Shame on Applied Bank!

    • Trisha G

      Date: 09/16/2024

      This bank is horrible! Ann with id# a3z pretty much called me a liar! They are reporting an account that is not mine and she wouldn’t give me the banking information that was used with this account! I told them what the last four of my bank account information is and they said that doesn’t match what they have on file but it doesn’t prove enough to show It isn’t my account!

    • Travis S

      Date: 07/05/2024

      ZERO STARS. I have had a credit card account with Applied Bank for 3 years. I have never missed a payment, I have never had a late payment, I have done nothing to negatively impact this account. This week I tried to use my credit card and discovered it expired in March, so my immediate thought is that the new card was not mailed or got lost in the mail. I call their customer service number and after waiting on hold the first agent tells me that a new card was not mailed because I have to verify my identity by Faxing copies of my address and photo ID to their P.O box. I find this strange so I checked my email and I have no notice from applied bank that this is a requirement of renewal, my online account also has no notifications stating this, and my address has been correct on my account the entire time. So I call back and speak to a different agent who has to put me on hold multiple times to eventually tell me that someone on their end closed my credit account instead of issuing a new card 4 months ago. I am unclear if this was an error or a decision that was made on false information. The agent then tells me that I will have to contact their collections department on Monday to resolve the issue and that I can apply for a new account. I then have to explain to him several times that my online account is still active, shows my balance and credit, and that I have been continuing to make my monthly payments this entire time. The conclusion is that they closed my account, leaving me without funds I currently need on the card I have had with them in good standing for 3 years, but left my online account active so that they would still receive their monthly payments which left me unaware of the issue. I WILL NOT be opening another account with Applied Bank, due to their negligence to manage customer accounts correctly, give accurate information, and for having one of the least user friendly systems I have ever encountered. I welcome a response from a bank representative.

    • Crystle F

      Date: 06/09/2024

      Trying to get a mortgage and this account that I called to close...and have my deposit applied to the balance since my card would constantly be declined for suspicious activity!!! Now to find out they kept the deposit and say I owed the whole amount!! How can they just not close the account as requested???

    • Lydia T

      Date: 04/30/2024

      Do not get this card unless you want to pay fees monthly and yearly. Then when you close the account and pay your last bill which is a yearly fee cuz you don’t use the card you get a email saying you owe 1.14 for interest on said annul fee. But the accounts been closed for a month , so the sneaky mfers want to tac on another LATE fee of 30.00 for that 1.14 that you shouldn’t have even owed. When I closed the account the lady said this will be your finally bill. Even my credit said account closed in good standing. So be very aware they try to take your money in fees any way they can. Get a credit card from any other place but them.

    • Khatera H

      Date: 10/17/2023

      This bank AWFUL!!! The credit limit sucks, the customer service sucks, the online payment service sucks. Trued using a debit Visa card it said, no pin debit can be used but there’s no where you can enter a pin. Tried using a credit card and it said credit cards are not accepted… YIKES!! They are closed on the weekends and do not open until 9AM M-F. I had a balance of $3.50 which I tried relentlessly to pay online for 3 days due to applied bank not taking payments via phone. I finally got a hold of someone Tuesday that told me my balance was now $9 due to finance fees and I had to pay an extra $12 fee for paying over the phone. This is a scam of a company. No one should ever bank or get a Credit card with them.

    • Bentley S

      Date: 07/09/2023

      Always a problem to go online with this company that claims the highest in credit card security. there website is no good it keeps wanting to verify identity with the correct information. I don't think this Bank really wanted to give out credit cards to consumers especially if and when you don't have your card on you or in travels you can't make a payment with them. I'm canceling been with them almost 2 years? no evaluation of wanting to increase my credit line. I do not recommend applied bank and from the looks of it im surprised they still exist with all the frustration they have Givin consumers over the years.

    • James W

      Date: 06/30/2023

      Purr crooks. Steaming mad. Theirs too many reasons to name. Just stay away from this card.

    Applied Bank is BBB Accredited.

    BBB accredited business seal

    This business has committed to upholding the BBB Standards for Trust.

    Why choose a BBB Accredited Business?

    BBB Business Profiles may not be reproduced for sales or promotional purposes.

    BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

    When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

    BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.

    As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.