Reviews
This profile includes reviews for SMI Card Services, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Review Ratings
Average of 45 Customer Reviews
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Review fromToccara J
Date: 07/07/2025
1 starToccara J
Date: 07/07/2025
Requested a new card and paid $20 for expedited shippingits been 4 days now and after calling customer service they still have not shipped my card. They told me to call back tomorrow night to see if they have a tracking number. Worst experience ever. FYI JUST HAVE YOUR CHILD SUPPORT DEPOSITED INTO YOUR BANK ACCOUNT INSTEAD.
SMI Card Services, LLC
Date: 07/10/2025
Thanks for reaching out to smiONE! Weve reviewed the concerns you shared and successfully identified the underlying issue.
According to our records, you placed an order for a new card on July 2, 2025, using our automated system. Before confirming your address with one of our agents, you upgraded to express shipping via ***, which set the expected delivery timeframe to 35 business days. Due to the federal banking holiday on Friday, July 4, 2025, the process was delayed by one business ******* tracking confirms that your new card was delivered on July 9, 2025.
When you're ready to activate your card, feel free to give us a call at your convenience. Our dedicated **************** team is here you 24 hours a day at **************. You can also reach us online at ****************************** or by mail at P.O. *******************************
Kind regards,
The smiONE Team
Review fromVeronica R
Date: 07/04/2025
1 starVeronica R
Date: 07/04/2025
The worse bank don't trust they say the protect you from fraud but it a lie, they protect the money from you. My card was post as stolen and I didn't I been report it stolen then they act like I'm not the owner of my bank really introspect full I been 2 week with out a cardSMI Card Services, LLC
Date: 07/08/2025
smiONE strives to provide exceptional service to all our customers and wed like to apologize for the experience you described.
On June 22, 2025, you contacted **************** to update your profile information and replace your smiONE card. Due to the updates requested, ID verification was required prior to completing the profile changes. Our records show this verification process was completed on July 2, 2025. Weve been trying to reach you at the phone number on file to complete the profile updates you requested and to confirm that you still require a new card as we noticed multiple temporary courtesy activations that have been completed since your initial contact regarding this matter,indicating that you may have successfully located the missing card.
If that is not the case and you still need a new card, please give us a call at your earliest convenience. Our agents are here to support you 24 hours a day. You can call us any time at **************, visit us online at ******************************, or write to us at P.O. *******************************
We look forward to hearing from you again soon!
Sincerely,
The smiONE Team
Review fromMegan S
Date: 07/04/2025
1 starMegan S
Date: 07/04/2025
Smione is such a horrible card! First off, you are going to get your payment days after they receive even though other card services who use ************ will release their funds the day they are sent. Smione takes days and for me, thats a Friday (even though it was Thursday morning when I used Chime who also uses Bancorp). However, if the Friday happens to be a holiday, Smione will hold the funds until Monday even though they already have the funds! Then, once the funds finally become available, they will decline all of your transactions. This is by far the worst bank service I have ever used. Being a single parent and to have a service that holds funds for as long as possible in order to make money off of them is ridiculous and the ********************* should use another service and I have contacted my representatives regarding this matter. I suggest you all should as well!SMI Card Services, LLC
Date: 07/08/2025
We hear your frustration and would like to offer some additional information to help put your mind at ease.
smiONE posts your support payments as we receive them from your state child support agency by 8:00 AM EST, Monday through Friday, excluding federal banking holidays. For more information regarding your payment schedule,please contact the Florida State Disbursement Unit at **************.
A review of your account activity found the most recently declined transactions were denied due to insufficient funds. To prevent future surprises, we recommend enrolling for our free mobile alerts. We offer a range of free text and email alerts for convenient, on-the-go account monitoring,including, but not limited to, notifications of your daily balance, posted deposits and processed transactions. To enroll, simply visit our website or contact ***************** For more information on using your smiONE Card and a listing of the velocity limits and fees that you may be subject to, please refer to the smiONE Card Cardholder Agreement, sections titled Loading and Using the Cardand Fee Schedule.
If there is anything else we can do to assist you with your smiONE card, please dont hesitate to reach out to us again. Our agents are available 24/7 at ************** or online at ******************************. You can also write to us at P.O. *******************************
We appreciate your business!
All the best,
The smiONE Team
Review fromSherika B
Date: 06/26/2025
1 starThese have to be the most uninformed people Ive ever dealt with. Been using this card service 10 plus years, never had a problem until trying to create an online account simply because I got a new phone needed to transfer everything over February 26th -27th 2025 which I was unable to do the error message said my information didnt match called customer informed them of the situation they updated my number but they failed to tell me if I didnt continue with the online account it would locked my card Is this not all one system so customer service updates my info I no longer need your online service the next morning my card is blocked here it is june *************************************** which Im unable to get a physical copy of sent in selfie of me holding my phone which you could clearly see my driver license and myself they didnt accept it today I sent in the 2 more documents I was told would be acceptable birth certificate and social security card received and emailed said contact them called representative said social wasnt accepted because it wasnt sign thank God we arent back in April when I wasnt able to sign anything from broken bones due to an accident anyway yall now have 3 documents rather the license are screen shot you have it along with my birth certificate and social security not to mention selfies Ive had to verify almost every account I own including federal accounts which have been simple this prepaid card is the worst I wouldnt recommend it to anyone that actually depends solely on these benefits theyll have you evicted and hungryReview fromDaniel W
Date: 04/30/2025
1 starDaniel W
Date: 04/30/2025
These people are complete idiots. Do not use this pathetic service. Get your child support directly deposited into your bank account. The card is insecure and the customer service *****.SMI Card Services, LLC
Date: 05/06/2025
smiONE welcomes all forms of feedback and we truly appreciate you taking the time to share your experience.
On May 2, 2025, our Customer Relations Coordinator reached out to you directly for additional information on how we could further assist you. We were pleased to learn that she was able to answer your questions and address your concerns.
Should you have additional questions about your smiONE card account or wish to discuss your concerns in greater detail, our staff is standing by to assist you 24/7. You can call us any time at **************,visit us online at ****************************** or write to us at P.O. ******************************
All the best,
The smiONE Team
Review fromHollie B
Date: 04/11/2025
1 starHollie B
Date: 04/11/2025
I remarried and changed my last name. I also chose to drop my first name as I have never used it and always gone by my middle. I just celebrated by 11-year wedding anniversary. My Texas DL, all bank accounts, my passport, the Office of the Atty ******** the State Disbursement Unit, my social all reflects the correct name except smiOne. I've been trying to change it for two years. Every time I call they want something different from me. It is not fair there are no other options for recipients of child support. I have been ACTIVELY calling for 2 years and now spend 4 hours today on it again with no resolution but asking me to send more items and with total attitude and zero empathy despite all the notes going back for forever showing I have sent in everything requested.SMI Card Services, LLC
Date: 04/18/2025
Congratulations on your recent wedding anniversary! We hope you will accept our apology for casting a shadow over your special day with the difficulty youve faced updating the name on file. We believe we discovered the root issue and reached out to you directly to offer further assistance.
We first heard from you regarding this unique situation on September 25, 2022. At that time, the ************************** had not yet received the necessary supporting documentation to update your full name. For this reason, we requested two forms of ID to facilitate your request to change the first and last name on file. We did not hear back from you regarding this matter until 2024. On June 18, 2024, and September 9, 2024, we received documentation from you via email; however, due to the nature of your request, we were unable to update your card account profile until the update had been made with the ******** your request, we began reaching out to them again in February 2025.Unfortunately, the information on file remained unchanged. On April 11, 2025,you reported your information had been successfully updated with the Office of Attorney General and the State Disbursement Unit. After some initial delay with the update taking effect in the system, we were able to confirm with the State Disbursement Unit that your name had been successfully updated. At that time,we were able to update your full name as well and issued a new card to reflect the change. We expect your new smiONE card to arrive between April 22, 2025,and April 25, 2025.
If you have any other questions about your smiONE card account, please dont hesitate to contact us again. Our dedicated **************** team is here for you 24 hours a day at **************. You can also reach us by mail at P.O. ****************************** or online by visiting ******************************.
We appreciate your feedback!
Respectfully,
The smiONE Team
Review fromBrad T
Date: 04/07/2025
1 starBrad T
Date: 04/07/2025
The worst card I have ever used. When they sent the card and told me to create my account online before receiving it, I did just that and they ended up claiming my phone # didn't match the phone # on my child support account. So I told the lady on the phone and she said that the phone # I entered is the right one, so my card ended up locking and they told me I had to contact them back in 3 business days because it takes the fraud team 3 days to even review it, so I sent them the things they needed but the photo was a little blurry of my drivers license and they made me resend it but told me I had to wait 3 more days because fraud department don't do reviews until 3 days after you email them. So they had my whole child support deposited on the card but I couldn't use it until they fix their mess up. They say it takes 1 to 2 business days to deposit but I never received my deposit this past Friday so I have to wait the whole weekend now because I guess they don't deposit on Fridays either. Just another bank to tell you, you're not allowed to your money unless we say you are. Sh*77y card like crazy. Switch to pay-pal or your local bank. They should cancel this business for sure.SMI Card Services, LLC
Date: 04/14/2025
smiONE welcomes all feedback! Thank you for giving us the opportunity to improve our services. We hope to get a chance to speak with you to learn more. Unfortunately, we have not been able to locate an account with the information you provided.
We attempted to contact you on April 11, 2025, using the email address provided in your review. To discuss your concerns in greater detail, you can give us a call at **************, reply to our email, or you can write to us at P.O. *******************************
We look forward to resolving your concerns and hope you have a wonderful day.
Sincerely,
The smiONE Team
Review fromJessica F
Date: 03/03/2025
1 starJessica F
Date: 03/03/2025
If I could give less than one I would, I sent in multiple documents proving who I was. because my card I sent in was on the corner even though signed name and number was visible this company decides to keep my card locked. Another 1-2 business days. This was locked because I chose to deposit my income tax onto my child support card. I had not updated my married name on my child support card. Someone is stealing money but it is not the people they are locking cards on. I wonder how many people they have locked cards on who had bills due the next day?SMI Card Services, LLC
Date: 03/10/2025
We hear your frustration and would like to apologize for the part we played. Your feedback is very important to us and gives us a chance to improve our services.
Our Customer Relations Coordinator has been trying to reach you to shed some light on the situation causing your concerns. As you indicated, the deposit in question came under a name that differed from the one on your smiONE card account profile. When this situation arises, smiONE and our banking partner are required under federal laws and banking regulations to comply with verification standards. These standards include verifying any persons identity that transacts with smiONE and maintaining records of the information used in verifying the persons identity.
Our records show that your documents were approved, and your smiONE card was successfully reactivated on March 5, 2025. If we can be of any further assistance or answer any other questions about your smiONE card account,please dont hesitate to give us a call. Our agents are here to assist you 24/7 at **************. You can also write to us at P.O. ****************************** or by visiting our website at ******************************.
Kind regards,
The smiONE Team
Review fromSherri J
Date: 11/19/2024
1 starSherri J
Date: 11/19/2024
I have had to most horrible experience the last two weeks with this card. I had money deposited from **** to repair my home. Not only have I had to call numerous times to have my card unlocked . Because they continued to lock my card due to my multiple transactions. How embarrassing and humiliating it has been to have my card declined so many times . But the worst part is I used my card to pay my light bill through Energy Texas and Spectrum with well over $3000 in my account. Only to now find out I have a disconnect notice on both my bills bcs why? They rejected my payments and I thought my bills were paid in full! Wrong I had no idea till now they werent even paid. Im furious!!!!SMI Card Services, LLC
Date: 11/22/2024
smiONE would like to apologize for the experiences you described. We understand how embarrassing it can be when your card is declined.After reviewing your account, our Customer Relations Coordinator reached out to you to offer additional assistance.
Our records indicated that you had already received help regarding the declined transactions and had informed our agent that you attempted to use the account and routing numbers associated with your smiONE card to pay your utility bills. Unfortunately, these numbers cannot be used in that capacity and are intended for direct deposit purposes only. We sincerely apologize for the inconvenience this caused you and your family.
For more information about the user guidelines and velocity limits associated with your smiONE card account, you can access the Cardholder Agreement any time by logging in at ****************************** or the Platinum smiONE mobile app. Please dont hesitate to give us a call if you have any other questions or concerns. Our agents are here for you 24 hours a day at **************.You can also write to us at P.O. *******************************
We look forward to serving you better in the future!
Respectfully,
The smiONE Team
Review fromDeVonda J
Date: 10/11/2024
1 starDeVonda J
Date: 10/11/2024
Well to my surprise my account was closed without my knowledge as when speaking to an agent, I was advised of a security breach and an email was sent. I didn't receive an email that there had been a security breach and my account had been closed. I inadvertently attempted to use my SmiOne debit card and it declined, I contacted said entity and was advised. In the future maybe there should be an alert that can alert to contact the company in the future notifying a person.SMI Card Services, LLC
Date: 10/18/2024
We appreciate your feedback. smiONE offers a variety of free
text and email alerts for convenient on-the-go account monitoring. You can
subscribe for these alerts by visiting our website at www.smionecard.com or by logging into our
mobile app.If you need any assistance with enrollment or wish to
discuss your concerns in greater detail, our agents are here for you 24 hours a
day at 1-855-403-8342. You can also write to us at P.O. Box 2489, Carrollton,
GA 30112 or visit our website at www.smionecard.com.Respectfully,
The smiONE Team
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