Add Extra Alert’s
I’m Happy with almost everything about On Point Banking. However I’d like to see if at some point if you could add a way of Sending a Text to My phone that would alert Me that My Bank Account was used. Yes I know that I can open it up on My Computer & Phone already to. I Don’t look on either of them Daily since I’m not going anywhere or buying anything for a few days. It’s nice to have a way of Notifying Me another way sooner also. I’ve had My card used without My knowledge & had to get new card & straightened everything out. Where a Quicker Alert might have helped put Hold on account to prevent it going through. I had that at 1 of My old banks & it did add an Extra way of Catching things faster. Thank You for doing a good job though. Just wanted to see if in future might add on with additional Notifications of Alert’s. Have a Good Day.. : )
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Foregrounding the app leads to a broke experience.
If you sign into the app via biometrics (FaceID or TouchID) and then background the app entirely when foregrounding the app you will no longer be signed in. This is fairly normal for finance apps but what isn’t normal is for there to be an unrecoverable error or a broken sign in screen presented when in this un-authed state. It requires force quitting the app and re-launching. An incredibly bad bug that has been in production for many many months and hasn’t been addressed in any of the frequent “bug fix” updates. If I had to guess, I would say this software development team relies on automation to catch all their bugs and since it’s hard to automate the scenario above, this issue is not in their bug backlog. They obviously don’t seek out user feedback because there are dozens of other reporters for this same issue.
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Response from developer
Thank you for your feedback. We had a large spike in traffic on our first day launching. You should now see the loading issues improve. We will share your UX concerns with our development team.
Mobile app
I was using quite a few different apps from banks to credit card by compare it with OnPoint app. Onpoint’s app hard to keep track spending it’s delayed updates credit card charges and have navigate to different page for viewing charges and to open up a statement. Also Auto menu kept popping up when scrolling they are super enjoyed to me, just keep menu’s OFF when I need I’ll toggle them.
I wish future update to remove Auto menu popping up and after charging my credit card immediately should show current balance and newly charge appear right below it so I could easily track my spending.
D.V.
I wish future update to remove Auto menu popping up and after charging my credit card immediately should show current balance and newly charge appear right below it so I could easily track my spending.
D.V.
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OnPoint app
My other bank’s app texts me immediately when a deposit or debit has been made on the account, and gives me my running balance in the same text that notifies me of the activity. Today is Thursday. I just got a text about debit activity from Monday on my OnPoint account. Knowing what my balance is in real time with texts is so much more convenient than having to log into the app every time I want to see my transactions. The app is slow to load, and never changes from the picture of the girl at the table while it loads. Boring. The best thing about the app is that I can deposit a check with mobile deposit. Other than that, this app is on the bottom of the list for being useful/ visually appealing.
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Slow, buggy, hard to use
Looks like it was designed by a committee. Slow login, cant use touchid or other modern auth. App & website are both frequently broken, and frequently blame the user for the problem. Website and mobile app try to have the same ui by combining incompatible ui concepts from both worlds. Its a chaos of different sizes and shapes of buttons strewn all over ... always a hunt to find the next one. Ui seems to be organized by mgt priorities of what to sell the owners, rather than any concept of the owners’ priorities. Nobody asked for banner ads in their bank book! Ive been with onpoint for 15+ years, through at least 4 online backing systems. This is the first time you’ve ever even asked me for feedback.
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Not good
I made double payments to my credit card on accident because the balance transfers are so slow on this app Update Why did my previous review get deleted? This app feels so outdated. When I log into OnPoint and then I log into my citi bank app it’s night and day difference. The citi app is modern, easy to use, and feels much less laggy, glitchy, and problematic. This OnPoint app feels like it was developed 15 years ago. And now with the credit card for example when I click on my statement it re-routes me to some link that’s not in the app. Also on my citi app, I’m able to ask for a credit limit increase directly through the app without doing a hard credit check. OnPoint does not offer that through the app, you have to call them on the phone and wait 25-30 minutes on hold if it’s a busy hour. OnPoint also requires a hard credit check to increase your credit limit.
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Default mobile deposit settings
It would be great if there was an option to change default settings for mobile deposit. The first time I used it was a rarely used category of child support, into my personal account. Now every time I deposit a check via the mobile option, which is often, it is automatically categorized as “child support”. This happens in my business account as well even though I never put “child support” checks in that account. It’s annoying to have to change it every time. At least let me default to “mobile deposit” or “uncategorized”. I’ve discussed this issue with tellers and managers since the inception of mobile deposit. Please change the coding for this. Thank you.
The default on the mobile bill pay app is tricky too because it automatically defaults to my business payroll account and this account is never used to pay bills. I’ve been caught with insufficient funds several times for thinking the the mobile would default to the account I use for that specific bill.
Otherwise, the app is fantastic. I like the security of OnPoint CU very much. The app is easy to use.
The default on the mobile bill pay app is tricky too because it automatically defaults to my business payroll account and this account is never used to pay bills. I’ve been caught with insufficient funds several times for thinking the the mobile would default to the account I use for that specific bill.
Otherwise, the app is fantastic. I like the security of OnPoint CU very much. The app is easy to use.
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Does the job
App works decent. It feels like a miniature web experience rather than an app. It took a little bit longer to get used to where things are and there’s a little bit of digging involved for regular, frequent bank transactions. I would have liked to comment after my experience rather than before, but these are the things I remember from my overall experience. Update: i’ve been asked to update my review. This app works but nothing has changed since the last time I reviewed it. I decided to take away a star because there haven’t been any improvements.
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The app needs some updates
I switched over from OSU Credit Union to this one and the design of this app is making me regret it. I loved my OnPoint experience so far and have tried to work with this app, but it’s been so frustrating to me that anytime I make a purchase or pay a bill, the transactions I’ve made do not show immediately, nor in the correct order that i made them. Sometimes it will say it’s pending, but it doesn’t subtract that amount from my total. I never trust the available balance it shows because unless I haven’t made a purchase in the last two days, it’s not going to be correct. I also don’t like that I can’t make a transfer from my credit card to my debit card. If I am moving around my money between my own accounts I don’t see why it should take a whole two business days to do that. These are the main things I like to use a banking app for and I can’t enjoy any of them. The OSU app does a much better job at all of this for sure. I have tried to like it for 6 months now expecting there to be updates addressing these issues, but I’ve seen nothing yet. I don’t even care about how it looks I just want it to be helpful.
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App is okay
Really need to see a “pending” deposit amount when I do a mobile deposit. Very inconvenient and a little disconcerting that the deposit is not acknowledged either in the app or on the web site even though I get an email. Wondering if the tech department is understaffed? Other credit unions do this. At least acknowledge that the deposit is there even though it may not be available for 1-2 business days. By the way, 2 business days is too many. And also by the way, the email acknowledgement does NOT mention that it won’t show up on your account for 1-2 business days. OnPoint seems to be really behind, tech wise. Wonder if they even look at these reviews for ideas of what customers are needing? My CU in Michigan was much more advanced—Lake Michigan Credit Union.
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