They asked me for bank information and…
They asked me for bank information and picture of if and then it didn’t go further. I couldn’t even log on to my account Never got anything.

TBO Bank is a community-focused financial institution based in Orrick, Missouri, dedicated to providing a range of banking services to individuals and families. The company emphasizes building long-term relationships with its customers, reflecting the values of hometown banking while expanding its reach to a broader audience. TBO Bank offers various financial resources, including financial calculators and educational content to assist customers in making informed financial decisions. Targeting a diverse clientele, TBO Bank provides services such as personal banking, savings accounts, and specialized loans, including the Veterans Closing Cost Loan designed to support veterans in securing their dream homes. By prioritizing accessibility and customer support, TBO Bank aims to empower its customers to achieve their financial goals with confidence.
TBO Bank receives mixed reviews from customers, with a notable split between positive and negative experiences. Many reviewers appreciate the ease and speed of obtaining loans, highlighting that the process is quick and accessible, especially for those with bad credit.
However, a significant number of complaints focus on the high interest rates and perceived predatory lending practices. Consumers express frustration over loans that seem to increase rather than decrease despite regular payments, with some claiming that a large portion of their payments goes toward interest rather than principal. While some customers find the service satisfactory and efficient, others warn potential borrowers to be cautious due to the financial implications of the loans. Overall, TBO Bank garners a sentiment that leans toward caution, particularly regarding its loan terms.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 3.7 | 60 | 100% | -1.8 | ● Low |
Monthly average rating from reviews written by people · latest review Sep 2025.
| Month | Average | Reviews |
|---|---|---|
| Feb 25 | 5.0 | 1 |
| Mar 25 | 4.3 | 38 |
| Apr 25 | 3.7 | 6 |
| May 25 | 3.7 | 3 |
| Jun 25 | 2.0 | 4 |
| Jul 25 | 1.6 | 5 |
| Aug 25 | 1.0 | 1 |
| Sep 25 | 1.0 | 2 |
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 60 most recent reviews.
“For everybody complaining about high interest rates obviously you cant qualify for a regular lower interest rate on...”
“If I could leave NO stars, I would”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Finance & Insurance.
| Company | Overall | Legit | Service | Trend | Reviews |
|---|---|---|---|---|---|
| 3.7 out of 5 (good) | 100 out of 100 | 4.5 out of 5 (good) | −43% | 60 | |
| 4.2 out of 5 (good) | 100 out of 100 | 3.3 out of 5 (fair) | — | 1,200 | |
| 4.7 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.9 out of 5 (good) | — | 1,060 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.7 out of 5 (good) | — | 1,060 |
Bottom line: TBO Bank is #5 of 5 on overall rating in this group. On service, JustCover Travel Insurance scores higher (4.9 vs 4.5).
60 reviews of TBO Bank. Filter by what matters to you.
They asked me for bank information and picture of if and then it didn’t go further. I couldn’t even log on to my account Never got anything.
Fraudulent payment withdrawal from my accouny after payoff
Quick and fast loan options and easy to setup !
The be for such a great customer experience.
Quick answers to the questions people ask most.
TBO Bank has received a significant number of reviews, with an overall low rating indicating mixed customer experiences. Many reviews reflect concerns about high interest rates and unclear loan terms.
While there are many verified reviews on TBO Bank, some customers express feelings of being misled or treated unfairly, particularly regarding loan terms and repayment amounts. It's essential to read customer feedback carefully.
TBO Bank primarily offers personal loans, including options for individuals with poor credit. However, some customers have reported dissatisfaction with the terms and conditions associated with these loans.
TBO Bank typically requires automatic bank withdrawals for loan payments, which some customers have found problematic in terms of frequency and amount, leading to frustration.
Customers can usually reach TBO Bank through their website or customer service hotline, but some reviews suggest challenges in getting timely support or resolution for issues.
Anyone can write a CrowdTrust review. People who write reviews have ownership to edit or delete them at any time, and they'll be displayed as long as an account is active.
Polarized pattern: few middle ratings. 67% of recent reviews are 4–5★ and 32% are 1–2★.
It was quick and fast
I will admit, getting the money deposited was fairly easy, quick & simple. The interest rate was absolutely ridiculous and should be illegal…250% APR is diabolical. Thank goodness I was able to pay off my loan instead of going through the whole term just paying the minimum. I would NOT recommend this company at all. Good riddance.
What made my experience great was how expedient they were with their service. I needed a small loan to cover funeral expenses and I was funded almost immediately. They also provided the option to make double payments or payoff immediately without hefty penalties like some loan companies.
Crazy 308% interest rate should be illegal, who in there right mind would agree to that.
DO NOT USE THIS SCAM OF A LOAN COMPANY . I BORROWED 800$ FROM THEM AND THE GAVE ME 189% INTEREST RATE. THAT OVER 3000$ I HAVE TO PAY BACK TO THIS CROOKED SCAM CROOKS NO GOOD PIECES OF GARBAGE.. "DO NOT USE THIS COMPANY" THEY WILL SCAM YOU TO PAY 200% BACK ON THE LOAN THEY GIVE YOU AVOID THESE CROOKS ... LOOK SOMEWHERE ELSE. I BORROWED 800 AND NOW IM IN DEBT TO THEM FOR 31 $ A WEEK FOR 3 YEARS.... THESE PEOPLE ARE CROOKS ... DONT DO IT ... OMG PLEASE DO NOT GO THROUGH THESE LOW LIFE CROOKS. THEY ARE THIEVES. AND NO ONE ON THE PHONE SPEAKS ENGLISH... BE SMARTER UNLIKE I WAS.
Atlas made it extremely easy to get a loan and a second loan. I’d recommend them to anyone.
TBO Bank is a community-focused financial institution based in Orrick, Missouri, dedicated to providing a range of banking services to individuals and families. The company emphasizes building long-term relationships with its customers, reflecting the values of hometown banking while expanding its reach to a broader audience. TBO Bank offers various financial resources, including financial calculators and educational content to assist customers in making informed financial decisions. Targeting a diverse clientele, TBO Bank provides services such as personal banking, savings accounts, and specialized loans, including the Veterans Closing Cost Loan designed to support veterans in securing their dream homes. By prioritizing accessibility and customer support, TBO Bank aims to empower its customers to achieve their financial goals with confidence.
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