Name: Gazelle: Mobile Banking
Rating: 3 (165 reviews)

Description

Gazelle is the debit card, spending account and mobile app that’s built to help you spend and save the Ramsey way. It’s the only debit card out there that aligns with the debt-free principles we teach at Ramsey Solutions, with banking services provided by our partner, Pathward, N.A., Member FDIC. Gazelle eliminates distractions and helps you attack your money goals fast with features you’ll love. What You'll Get With Gazelle: • Gazelle Debit Card designed by Ramsey Solutions, with modern features like contactless payments. • Debt-free banking, with banking services provided by Pathward, N.A., Member FDIC. We won’t push debt on you.¹ No distractions so you stay focused on your goals for your money. • No monthly fees.² No monthly charges. No minimum balance. • No overdraft. Built-in accountability for your budget. If you don’t have the money, you can’t spend it. • 32,000+ fee-free ATMs.³ Get the cash you need, without fees, at over 32,000 locations. • Seamless connection. See and track your transactions faster⁴ in the EveryDollar budgeting app. • Your data is safe. We’ll encrypt your personal data and never sell it—period. • Rock-solid protection.⁵ Your hard-earned money is FDIC insured up to $250,000 with our banking partner, Pathward, N.A. • Unrivaled support. Talk to a real human. • Faster⁶ direct deposit. Get paid up to two days faster. • Cash-back rewards.⁷ Yep—even with a debit card! You’re gazelle intense, and now your card is too. Outrun normal—it’s game on! ______ Deposit Account opening is subject to registration and ID verification. ¹Pathward, N.A., and Mastercard are not affiliated in any way with this statement. ²Other fees may apply, see your Deposit Account Agreement for details. ³No ATM owner surcharge or ATM Cash Withdrawal Fees for domestic ATM withdrawals at MoneyPass ATMs (“in-network ATMs”). Visit the Gazelle Mobile app for a list of in-network ATMs. All other ATMs may apply an owner’s surcharge fee in addition to the ATM Cash Withdrawal Fee disclosed in your Deposit Account Agreement. ⁴Based on comparison of Gazelle transactions being available to track in EveryDollar vs. transactions from other bank accounts. ⁵Upon successful activation and registration of the Account, funds on deposits at Pathward, N.A., Member FDIC, are insured up to the standard maximum deposit insurance limit. Coverage limit is subject to aggregation of all of Accountholder's funds held on deposit at Pathward, N.A. ⁶Faster funding claim is based on a comparison of the Pathward, National Association, policy of making funds available upon receipt of payment instructions versus the typical banking practice of posting funds at settlement. Fraud prevention restrictions may delay availability of funds with or without notice. Early availability of funds requires payor’s support of direct deposit and is subject to the time of payor’s payment instruction. ⁷Optional Netspend Payback offers are based on individual shopping habits. See the program FAQs and Terms and Conditions in the Gazelle app for additional details about how and when you get rewarded. Program sponsor: Netspend Corporation. Pathward, N.A., and Mastercard are not affiliated in any way with this program and do not endorse or sponsor this program. Gazelle is a demand deposit account established by Pathward, National Association, Member FDIC, and the Mastercard Debit Card is issued by Pathward, N.A., pursuant to license by Mastercard International Incorporated. Netspend is a service provider to Pathward, N.A. Certain products and services may be licensed under U.S. Patent Nos. 6,000,608 and 6,189,787. MastercardⓇ and the circles design are registered trademarks of Mastercard International Incorporated. Card may be used everywhere Debit Mastercard is accepted.

Screenshots

Reviews

Terrible

My wife and I have made many sacrifices to incorporate this in our lives…we were part of the very first beta release and it was improving rapidly from humble beginnings… then all of the sudden everything stoped improving and it is left at a unacceptable position for a bank in 2023. When I called they offered no info and a very dim hope for the future. I guess no one told us this was part of the “live like no one else”. Now we have dozens of apps and utilities switched over to this card… very frustrating
By FedExDoug

Disappointed

I was really excited to see this come out. However, it is basically useless in its current state. The only functions that work are direct deposits and spending from the card. Transferring money just doesn’t work. Cannot add new accounts on the app. Cannot remove or edit existing accounts on the app. This needs some major fixing before it can replace my normal bank debit card.
By RgOO6

Second review

At first I thought this would be awesome. I follow Ramsey products and have not had any issues. So gave this a try. Deposit from another bank account was awesome feature but they had an issue and went to fix it. Happened after a month in. I had followed up several times and was told they were working on it. They did fix the withdrawal function but the deposit to the account from another bank does not and will not work. They do not have a fix. I have several big name bank accounts and never have had this issue. I know this is a new program but this is an issue that should have been resolved way before the new year. I’m disappointed and hope to see this get fixed in the future. At the moment I’m not sure how to deposit in this without direct deposit and seeing how they have issues with bank to bank transfers not sure if I will hold much past spring. I will give them time to fix but not holding my breath. Doesn’t seem like a good Ramsey product and I don’t see them advertise it any more.
By alev88241

Lani B Dunn

I opened this account Nov 9 2022. I transferred $1000.00 from another credit Union account to the Gazelle account. Since November 9 2022, I have been unable to transfer any more money into or out of the Gazelle account. I have called and emailed customer service. Their basic reply is “We are working to correct this glitch”. It has been extremely disappointing to have $1000.00 tied up in an account that I cannot access. I don’t know how or when I will ever get the $1000.00 back. I think Dave Ramsey owes me $1000.00 and a personal explanation!
By lanibdunn

Not flexible!

They just got rid of the transfer option and you can no longer transfer money into our out of your debit account to/from an external bank! Doesn’t make sense! I am so disappointed because I really wanted to use this.
By s19b22

I can’t do anything with this app and account

I can’t login to my account via a browser on my PC. On my iPhone I can’t do anything to move money into the account. I have $20 dollars and that’s it. I guess I could transfer it out but then my account is useless.
By MobyTobyOkeyDokey

Need joint banking

Please hurry with the joint banking! Another feature that needs to change is transfers! I can only transfer from gazelle to my linked account, but not from the linked account to Gazelle. Also, when using plaid to connect in my other banks account, Pathward N.A. Is nowhere to be found. Lots of changes are needed for this to be fully functional.
By Kkissmann

Released too early

I’m in BS4, 5, and 6. I was so excited to get this gazelle card. But it was release WAAAAY too early. I can’t even have a joint card for my wife. And I also can’t use it for Apple Pay so that’s extremely inconvenient. These need to be addressed and the app hasn’t been updated in over a month.
By Naominalani

Sad!!! Disappointed!!

Sad to say that this app/card has been a total failure from my viewpoint! I really believe Ramsey solutions should’ve solved the issues and problems before rolling it out and getting our hopes up! I cannot use it at all as I’m not able to transfer money in unless I use a direct deposit, which I will not… Haven’t been able to use this app for weeks and going to delete it from my phone unfortunately! Please… If you guys can figure this out to make it like a normal bank account, I’ll gladly rejoin!
By landon 123 thompsin