Love the new app!
Easy to use and visually pleasing!
Pro’s and Con’s
I’ve been a member for a few years now. The representatives that I’ve worked with along the way have always been a pleasure and a great asset. The App is easy to use and navigate as well and I love how you have the ability to add a widget to your Home Screen that gives you a quick glance of your balance.
The one big negative I’ve come across is the inability to see transactions that cause your balance to go negative. Let me explain….
I use this account to filter a couple of payments through. There have been a handful of times where I’ve accidentally chosen the account to pay for something but wouldn’t realize it until it was too late. I would view the balance through the widget and find I was negative. Logging in through the app to figure out what happened and all it would show is the $30 NSF fee(s), but doesn’t list the item that was rejected/cause of the overdraft. This information is needed so I know how much money to transfer to cover the transaction (because we all know the proprietor will try twice). It makes it difficult to verify that there truly weren’t sufficient funds either…with high fraud and how easy it is for that to happen, I feel it’s important for UECU to update the app that shows this information. Granted it is my fault when this happens, HOWEVER, I find that it’s dishonest business practice to not show the account owner a list those transactions…but will continue to charge NSF fees. Makes me wonder if they do this to generate more income for them. In today’s economy (don’t know about you but my company has suspended all merit increases) it’s hard to make ends meet. I recently was charged $120 in NSF because I didn’t know the amount of what was trying to clear/rejected. $120 might not seem like much for some, but it could mean trying to figure out if you’ll be able to make ends meet that week/month.
Again, I take responsibility for my complete idiocy of selecting the wrong bank account when setting up a payment, but considering we are human and these mistakes/errors happen. It would be considerate for a financial institution to allow complete transparency for an account owner when viewing their own transactions.
The one big negative I’ve come across is the inability to see transactions that cause your balance to go negative. Let me explain….
I use this account to filter a couple of payments through. There have been a handful of times where I’ve accidentally chosen the account to pay for something but wouldn’t realize it until it was too late. I would view the balance through the widget and find I was negative. Logging in through the app to figure out what happened and all it would show is the $30 NSF fee(s), but doesn’t list the item that was rejected/cause of the overdraft. This information is needed so I know how much money to transfer to cover the transaction (because we all know the proprietor will try twice). It makes it difficult to verify that there truly weren’t sufficient funds either…with high fraud and how easy it is for that to happen, I feel it’s important for UECU to update the app that shows this information. Granted it is my fault when this happens, HOWEVER, I find that it’s dishonest business practice to not show the account owner a list those transactions…but will continue to charge NSF fees. Makes me wonder if they do this to generate more income for them. In today’s economy (don’t know about you but my company has suspended all merit increases) it’s hard to make ends meet. I recently was charged $120 in NSF because I didn’t know the amount of what was trying to clear/rejected. $120 might not seem like much for some, but it could mean trying to figure out if you’ll be able to make ends meet that week/month.
Again, I take responsibility for my complete idiocy of selecting the wrong bank account when setting up a payment, but considering we are human and these mistakes/errors happen. It would be considerate for a financial institution to allow complete transparency for an account owner when viewing their own transactions.
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Difficult
I know more info is better, but this new version is so confusing and I have yet to be able to sign in to one of my other accounts that is not attached to my primary.