Privately owned and headquartered in New York City, Grasshopper is client-first digital bank with an obsession for providing leading-edge technology, solutions-driven products and superior service through a combination of passionate people and digital resources. Grasshopper replaces the traditional one-size-fits-all approach to banking with a suite of products and services tailored to specific industries and a passionate team of experts with deep expertise in their fields. Grasshopper’s banking solutions cover small business, startups, fintech-focused Banking-as-a-Service (BaaS) and commercial API banking platforms, SBA lending, and white-labeled consumer banking. As a federally chartered commercial bank, Grasshopper is a member of the Federal Deposit Insurance Corporation and is an Equal Housing/Equal Opportunity Lender.
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Is Grasshopper Bank legit?
Grasshopper Bank (www.grasshopper.bank) has a 4.2 out of 5 rating on OK.one, based on 102 user reviews collected here. It is listed under Money & Insurance and its reputation is good. 80% of reviews are 4 stars or higher and 14% are 1 star; The business has replied to 69% of negative reviews; Reviews mostly discuss Customer service, User experience. Last updated 2026-09-02.
What reviewers say
AI generated
Reviewers had a great experience with this company. Customers frequently praise the friendly staff and representatives for providing quick support, detailed explanations, and genuinely helpful guidance when setting up new business accounts. Many consumers appreciate the remarkably easy platform navigation and smooth online banking processes that allow them to manage multiple financial tasks efficiently without unnecessary stress.
However, some people mentioned experiencing frustrating delays with online money transfers and deposit processing times that created unexpected obstacles. A few reviewers also noted occasional difficulties with getting timely assistance, fixing address errors, or fully resolving specific account issues through support channels.
Auto-generated from all reviews of this business. For reference only.
He answered every question thoroughly. I was impressed.
Reply from Grasshopper Bank2026-03-06
Hi Roy,
Thank you for the 5-star review! We’re glad we could answer all your questions and provide the clarity you needed. It’s especially rewarding to hear that your interaction left such a positive impression. Making sure our clients feel confident and supported is important to us, and it’s great to hear your experience reflected that. We truly appreciate the trust you place in us and are always here whenever you need assistance.
Transferring between outside account to Grasshopper…
They help me understand how to get the transfer from my personal account to my business account.
Reply from Grasshopper Bank2026-03-06
Hi Donald,
Thank you for the 5-star review! We’re glad to know our team was able to provide the clarity and guidance needed to move funds with confidence. At Grasshopper, we strive to equip clients with the resources they need to manage accounts independently, while always being ready to step in and assist whenever extra help is needed. It’s rewarding to hear that your experience reflected that level of commitment and support we aim to deliver. We appreciate the trust you place in us, and it inspires us to continue making banking simpler, clearer, and more empowering for you and your business every day. Whenever you need a hand in the future—or just a quick question answered—we’re always just a call or click away.
I was helped very quickly, my situation was handled promptly and the agent was knowledgeable, friendly and courteous. The agent made me feel as if I am the only customer Grasshopper has.
Reply from Grasshopper Bank2026-03-10
Hi Mary,
Thank you for taking the time to share your feedback. We’re pleased to hear that your situation was handled promptly and that the support you received felt both attentive and professional.
What means the most to us is that we made you feel as though you are the only client we have. Creating that kind of attentive, personalized experience is exactly what our Client Services team strives for with every interaction. When a client reaches out for help, they deserve to feel heard, supported, and confident that their issue truly matters.
We truly value the opportunity to serve your small business and look forward to continuing to exceed your expectations and earn your five stars in the future.
I like having my business checking account with Grasshopper. It's nice knowing I don't need to worry about keeping a minimum balance. I love that there are no fees and that it's an interest bearing account. It's extremely convenient to be able to have the mobile app to deposit checks anywhere I am. it integrated well with Quickbooks online so it makes reconciling monthly statements a breeze. The only thing I would really like is if I were able to include a memo in my check deposit instead of waiting for the deposit to post to then include a memo. That is the only inconvenience, which is why I gave 4 stars instead of 5.
Reply from Grasshopper Bank2026-03-06
Hi there,
Thank you for taking the time to share such thoughtful feedback. It’s rewarding to know that your overall experience reflects the kind of flexibility, convenience, and financial value we aim to deliver for business owners.
We also appreciate your perspective on deposit memos. Workflow details matter, especially when it comes to maintaining accurate records and staying organized. Suggestions like yours help us better understand how even small adjustments can improve efficiency for the businesses we serve. Your feedback has been shared internally as part of our ongoing product evaluation process.
We truly value the opportunity to support your business and look forward to making your experience even better—earning that 5-star rating in the future!
This bank took over AAA Financial services and an auto loan that I had. Car was totaled on 10/28/25; I paid off the remaining balance on 11/5/25 to get the title lien removed. Despite weekly calls and emails to customer support, DMV was not notified to release the lien until 2/5/26 . Still waiting for the auto title to give to my insurance co.
Reply from Grasshopper Bank2026-03-09
Hi Lori,
Thank you for taking the time to share your experience. We understand how overwhelming it can be to manage a total loss while waiting for the release of the lien on your title, and we sincerely apologize for the delay that made an already challenging situation even harder.
After taking a closer look, we found that the delay was the result of multiple missteps during the transition process, which unfortunately impacted the timely release of your lien. We recognize that partners we work with are a direct reflection of the level of service we provide, and the process took far longer than it should have. After identifying similar instances where service and support fell short of our standards, we have since onboarded a new title vendor, and your feedback has been shared internally with our cross functional team to ensure that a situation like this does not happen again.
In the meantime, we're pleased to share that the lien has been released, and your title should be arriving by mail shortly.
This has undoubtedly been a stressful process, and your patience and understanding is truly appreciated. If there’s anything further that Grasshopper can assist with, we’re happy to help, or escalate to the appropriate team to ensure any outstanding issues are fully resolved.
Only Forward,
Grasshopper Bank
They were so fast releasing my remote deposit funds. And they are very nice on the phone.
Reply from Grasshopper Bank2026-02-26
Hi Jeanece,
Thank you for the 5-star review! We’re glad to hear your experience reflects the fast, friendly service we aim to deliver and the level of support every small business deserves. When it comes to deposits, efficient processing and clear communication can make a real difference, and it’s great to know we delivered on both. We appreciate the trust you place in us as your banking partner and look forward to continuing to support you and your business in the months and years ahead.
Hi Andrew,
Thank you for the 5-star review! We’re pleased to know your experience felt purposeful and well executed from start to finish. Providing clear guidance, efficient support, and a process that respects our clients’ time is something we prioritize every day, and it's rewarding to hear that commitment reflected in your interaction with our team. We truly appreciate the opportunity to support you and look forward to continuing to serve your business in the months and years ahead.
ABSOLUTE worst customer service. Did not cash a payoff check for over a month which delayed the vehicles title by 3 months. Would not even speak to me, made me send an email for current updates, after they told me to call back once the check cleared. They made no sense on the phone and refused to help.
Reply from Grasshopper Bank2026-03-06
Hi Niky and Amanda,
Thank you for sharing your experience. We understand how delays, especially when it affects a vehicle title, can be incredibly stressful, and we’re genuinely sorry for any frustration or inconvenience this may have caused.
After taking a closer look, it appears the payoff check was sent to the wrong location, which delayed processing beyond our standard procedures. During that time, interest continued to accrue on the loan, resulting in a small remaining balance.
To help simplify things and keep the process moving forward, the accrued interest was waived.
Although this experience did not meet the standards we strive for, we care deeply about being a reliable banking partner and are committed to ensuring future interactions are easier, faster, and more seamless for you and your business. If there’s anything else you need or questions we can help clarify, we’re happy to assist or connect you with the right team to get it resolved.
Only Forward,
Grasshopper Bank
Agent was very helpful.
Answered my question and received a follow-up email as promised. Very easy to talk to.
Reply from Grasshopper Bank2026-02-26
Hi Latonia,
Thank you for the 5-star review! We’re pleased that our team was able to answer your questions and make good on our commitments. We know that clear guidance and following through on what we promise help build confidence in our team and who you choose to bank with, so it’s rewarding to hear that come through in your experience. We truly appreciate the opportunity to support your business and look forward to being here whenever you need us.
Opened a business checking account and Grasshopper.charges $330 for a basic check book. Um no thanks I’ll go with someone else that's a huge red flag
Reply from Grasshopper Bank2026-02-24
Hi Matthew,
Thank you for your review. As a digital bank, we are strong advocates of using technology to complete financial transactions online whenever possible. Many of our clients choose to send ACH payments or issue checks to vendors through digital services like Bill Pay, which can help streamline payments and reduce the need for traditional paper checkbooks.
While complimentary checkbooks are not offered directly by us at this time, you are always welcome to order them through our preferred vendor, Harland Clarke, or any third-party provider of your choice. A member of our team has followed up to review the available options with you and ensure you’re selecting the most cost-effective offering available.
We recognize that every business operates differently and this approach may be limiting, which is why we continuously evaluate how we can better serve our clients as their needs evolve. If you’re up for it, we would be happy to connect further to explore the payment tools that best align with your workflow.
We appreciate you taking the time to share your perspective and hope the vendor’s pricing does not detract from the broader digital experience we aim to deliver. We value your business and remain committed to earning your trust and providing the five-star experience you expect and deserve.
Only Forward,
Grasshopper Bank
The representative walked me through the process, on how to get my address changed, and explained the timeline, it would be to get me a new card issued.
Reply from Grasshopper Bank2026-02-24
Hi Alfred,
Thank you for the 5-star review! We’re pleased to know our team provided the clarity and support needed to make your address change as smooth and straightforward as possible. Even small account changes like this can sometimes feel confusing or disruptive, so setting clear expectations and keeping clients informed throughout the process is something we take seriously. We appreciate the trust you place in us as your banking partner and are always here if you need any further assistance in the future.
I appreciate that Grasshopper has exactly what I need for my small business. It was easy and very quick to get set up. Instructions on the website were very clear, and the whole process went smoothly from exploring options to opening accounts.
Reply from Grasshopper Bank2026-02-24
Hi Kat,
Thank you for the 5-star review! It’s rewarding to hear that we’re supporting your small business in a way that fits your needs perfectly.
Starting or transitioning a banking relationship is an important step for any business owner, and having a process that’s simple, efficient and easy to navigate makes all the difference.
We truly appreciate the trust you’ve placed in us and look forward to continuing to support your business as it grows and evolves!
Without explanation my account was closed; I never was able to use it. I made two $100 deposits on two accounts, and I am waitng for the refund.
Reply from Grasshopper Bank2026-02-25
Hi Andres,
We understand that receiving notice of an account closure, particularly early in the relationship, can be unexpected.
As a federally regulated bank, we are obligated to perform comprehensive account and transaction reviews both at onboarding and on an ongoing basis. In certain situations, if required verification cannot be completed or activity does not align with our risk policies, we may decide to close an account in accordance with those policies.As previously communicated, any remaining funds will be returned following our standard procedures and processing timelines.
While this may not have been the desired outcome that you were hoping for, we can assure you that these measures are in place to protect all clients and maintain a secure, reliable digital banking experience. Although our services may not be the ideal fit for your needs, we wish you success in finding the right solution that works best for you.
Only Forward,
Grasshopper Bank
Hi Manuel,
Thank you for taking the time to share your experience. We understand how frustrating it can be when certain payment and deposit solutions don’t function the way you expect, especially when you’re trying to move funds quickly.
As a digital bank, we are strong advocates of using technology to complete financial transactions online and prioritize reliable, business-grade payment rails that most companies commonly use, such as ACH, wires or instant transfers and payments via FedNow. At this time, we do not support certain peer-to-peer services, including Zelle, or debit-based transactions on platforms like PayPal due to historically elevated fraud risks associated with some P2P transaction types. These safeguards are intended to protect our clients and maintain a secure digital banking experience for all. Although Grasshopper business debit cards currently do not support instant transfers or payments through P2P apps, you can still use many platforms like Paypal by linking your bank account directly via routing and account numbers.
While this approach may feel limiting in some situations, we take our role as your banking partner very seriously. It is never our intention to make banking more difficult or slow you down, which is why we are actively evaluating our payment capabilities and exploring new technologies to expand flexibility while maintaining the bank-grade security standards our clients expect.
Your feedback plays an important role in how we assess and prioritize future enhancements. We recognize that certain limitations exist today, but we hope they are not reflective of the broader digital experience we’re committed to delivering. In the meantime, if you would like assistance connecting your account or exploring available options, our Client Services team would be glad to help.
Only Forward,
Grasshopper Bank
The support staff is great. When you have questions about your business and finances you want someone to take the time to ensure your issues are resolved.
Reply from Grasshopper Bank2026-02-24
Hi there,
Thank you for the 5-star review! We know how important it is to have guidance and a team you can rely on, especially when it comes to your finances. Supporting our clients with clarity, patience, and real accountability is central to how we operate, and it’s rewarding to hear that came through in your experience. We appreciate your trust in us and look forward to continuing to support you as your business moves forward.
Don’t like I can’t deposit cash and it takes so long when you deposit check to show.
Reply from Grasshopper Bank2026-02-15
Hi Daisy,
Thank you for your feedback. We understand that when you’re managing your business, timely access to funds and deposit flexibility are important — and delays can be frustrating.
As a digital bank, prioritizing electronic payments and efficient money movement has always been central to how we serve our clients. We recognize, however, that this approach can be limiting for some businesses that still handle cash. Which is why we are in the process of enabling cash deposits at thousands of MoneyPass ATMs nationwide, giving clients like you more ways to access and deposit funds conveniently, while also exploring ways to expedite funds availability. Although our approach may not suit every situation, it is never our intention to make banking feel like a burden or slow you down. Our goal is to make managing your business as simple and seamless as possible, and we hope these enhancements inspire confidence in us while delivering the exceptional, 5-star experience you deserve.
If there’s anything else we can do to support your business now or in the future, please don’t hesitate to reach out. We’re just a call or message away.
Only Forward,
Grasshopper Bank
Hi Joanna,
Thank you for taking the time to share your experience. We understand how frustrating it can be when a payment method doesn’t work the way you expect, especially when you’re trying to move funds quickly.
At this time, debit cards issued by Grasshopper Bank do not support instant transfers or payments on apps like PayPal, Venmo or Cash App due to historically higher fraud risks commonly associated with P2P (peer-to-peer) networks. However, you can still use these platforms by linking your bank account directly using your account and routing numbers. This enables standard, non-instant transfers, which allow more time for verification and processing before funds are moved. Debit card transactions settle immediately, leaving no window to intercept or reverse suspicious activity.
While this approach may feel limiting at times, we take our role as your banking partner very seriously. It is never our intention to make banking more difficult or slow you down, which is why we are actively exploring new payment rails and technology to provide faster, safer ways to move money. Your feedback is invaluable in guiding how we evaluate and prioritize future enhancements, and when new instant payments functionality becomes available, clients like you will be the first to know. We look forward to hearing your thoughts.
In the meantime, if you’d like help connecting your bank account, our Client Services team would be glad to assist.
Only Forward,
Grasshopper Bank
Grasshopper's service and support are wonderful, and it truly feels like they appreciate my business.
Reply from Grasshopper Bank2026-02-10
Hi Christina,
Thank you for the 5-star review! At Grasshopper, putting our clients first is at the core of everything we do, so we’re glad to hear that this commitment has come through in your experience. We appreciate the trust you’ve placed in us as your banking partner and look forward to continuing to support you and your business as your needs evolve.
Karen was very helpful, patient, and kind. I am a very satisfied customer.
Reply from Grasshopper Bank2026-02-10
Hi Jacob,
Thank you for the 5-star review! We’re pleased to hear that Karen provided support that was patient, attentive and genuinely helpful. Ensuring our clients feel heard, understood and valued is an important part of how our Client Services team operates, and it means a lot to know that effort has made a difference for you. We’ll be sure to pass your feedback along to Karen, and we look forward to continuing to be a dependable partner for you and your business.
Customer service has always been excellent at Grasshopper
Reply from Grasshopper Bank2026-02-10
Hi Jane,
Thank you for the 5-star review! Reliability is essential in banking, so we’re glad to hear that our Client Services team continues to deliver an experience you can count on.
Feedback like this affirms the bar we set for ourselves, as we work every day to provide support that is responsive, consistent, and always worthy of our client’s trust. We truly appreciate the opportunity to serve you and look forward to continuing to be a dependable partner for you and your business, now and in the future.