# Bay Federal Credit Union — user reviews > 86 indexed App Store user reviews of Bay Federal Credit Union by Bay Federal Credit Union, rated 4.81/5 from 7,675 ratings. - Source: https://appshunter.io/ios/app/bay-federal-credit-union/id1010847224/reviews - App overview in markdown: https://appshunter.io/ios/app/bay-federal-credit-union/id1010847224.md - Rating breakdown: 5★ 6,238 · 4★ 518 · 3★ 126 · 2★ 31 · 1★ 108 ## What do users think of Bay Federal Credit Union? Overall sentiment: positive **Pros** - ⭐️ Excellent banking app - ✨ Informative and up-to-date - 💳 Seamless transactions - 🤝 Great customer service - 📲 Convenient mobile features **Cons** - 🔍 Inconsistent check deposit functionality - 🔒 Security issues with login - 🕰️ Slow response times - 🤔 Confusing or missing features **Commonly reported bugs** - Check deposit not working after update - Login/authentication problems - Frequent app crashes or freezes **Most requested features** - Bring back quick balance or widget - Add calendar for bill pay scheduling - Enable mobile check deposit without issues - Improve Venmo/external transfer compatibility ## Newest reviews (13 of 86) ### 5/5 — Great Banking Choice *2025-07-18, version 2025.05* Highly recommend banking with Bay Federal ### 5/5 — Best Credit Union in Santa Cruz *2025-03-13, version 2024.10.1.10* I love Bay Fed! Get all your financial needs met in one place. Exceptional service on every level with staff that always have smiles on their faces. Best financial institute in Santa Cruz County. ### 5/5 — Overall, amazing *2025-02-19* Amazing, easy, and trusted. My only complaint is not being able to see pictures of previously deposited checks. ### 5/5 — most transactions are posted the same business day *2025-01-14, version 2024.10.1.10* Bay Federal is easy to use have good resources and not overly complicated. My favorite part is that when I schedule transfers or make payments they are posted almost instantly so I don’t have to worry about pending transactions. ### 3/5 — Please bring the widget back!! *2024-12-19, version 2024.10.1.10* How is it that I can get my balance on my smartwatch but it's no longer available on my smart phone? Please bring it back for iOS 18!!! It was incredibly convenient. ### 4/5 — iPhone widget *2024-12-08, version 2024.10.1.10* Any chance you can make the widget available again for use with iOS 18. Apple says we have to ask you to optimize to make it work again. ### 5/5 — Finally a good banking app *2024-10-04, version 2024.07.2 (2024.7.0.2)* Love it never have a issue with it. ### 5/5 — Bay Federal *2024-09-04, version 2024.04.11 (2024.4.0.11)* Enjoy how the app is always up to date with my funds Never had issues with it also the app always informs me when they’ll have issues or something That’s always very helpful ### 5/5 — Me encanta *2024-08-22, version 2024.04.11 (2024.4.0.11)* Me encanta los servicios de bayfederal ### 5/5 — Review *2024-08-14, version 2024.04.11 (2024.4.0.11)* I really like this app Bay Federal is a great bank ### 5/5 — ? *2024-06-21, version 2024.01.3 (2024.1.0.3)* Why can’t I mobile deposit more than $5000 per day? ### 5/5 — You are the best my friend s *2024-06-16, version 2024.01.3 (2024.1.0.3)* You are the best my friends ### 5/5 — The Rake *2024-03-03, version 2023.10.1.1* The Rake ## Most critical reviews (10 lowest-rated) ### 1/5 — Bad service *2026-08-23, version 2026.4.2.1* Bad customer service ### 1/5 — It’s good *2026-07-31, version 2026.4.2.1* Had to write this review so it would stop asking me to write a review, it didn’t stop it from asking me to write a review every time I log in so now I’m giving it one star even though I really like the app ### 1/5 — Annoying every log *2026-05-23, version 2026.01* Just quite annoying ### 1/5 — Notifications delay *2026-03-22, version 2025.10.1.3* I only get the notification about my account activity WHEN I’m logged in NOT when a transaction is happening. ### 1/5 — New app *2026-02-07, version 2025.10.1.3* The new app is very slow at startup and not easy to use. I hope for an update in the near future. ### 1/5 — Bring back quick balance or the widget. *2025-07-06, version 2025.02* Now the quick balance doesn't even work on the Apple Watch.. most of the other banks out there can manage this feature. Please bring back the widget!!! ### 1/5 — Can’t uninstall *2025-05-07, version 2025.02* I tried to uninstall and there’s no option so now I’m stuck with this app ### 1/5 — Very difficult financial institution to make a deposit *2023-08-12, version 2023.3.0.1* I have tried to deposit a check from my insurance 3 times. Bay Fed has refused the deposit for 3 different reasons. Each time the check was not returned forcing me to get a replacement check from the insurance company then having it co-signed again only to have Bay Fed refuse it for yet another reason that I was unaware of. ### 1/5 — Picture for deposit not taking picture *2023-08-09, version 2023.3.0.1* Not ### 1/5 — Remote check deposit bug *2022-09-24, version 2021.11.0.55* Mobile check deposit doesn’t work in iOS 16. The app gets stuck before I can take a photo. It says to rotate device but doesn’t recognize rotation. Please fix asap. ## Most praised reviews (10 highest-rated) ### 5/5 — 100% solid *2026-08-12, version 2026.4.2.1* Can always count on BFCU for top quality services and friendly, knowledgeable support! ### 5/5 — It’s good *2026-07-06, version 2026.01* Had to write this review so it would stop asking me to write a review ### 5/5 — Survey *2026-06-26, version 2026.01* Great!!! Easy access to all my accounts! ### 5/5 — Simple and easy to navigate *2026-03-18, version 2025.10.1.3* I’ve been using this app for almost a decade, and I’ve always loved it. Never had any problems. Customer support is great. Amazing, easy, and trusted. ### 5/5 — ❤️❤️❤️❤️❤️ *2026-03-06, version 2025.10.1.3* Love Bay federal credit union ❤️ ### 5/5 — Best bank ! *2026-02-26, version 2025.10.1.3* Amazing I love everything about bay federal! ### 5/5 — No complaints *2026-01-19, version 2025.10.1.3* The app works well it does everything I wanted to do and I really haven’t had very many issues. No complaints. ### 5/5 — Deposit *2026-01-09, version 2025.10.1.3* Good ### 5/5 — Bring back quick balance or the widget. *2025-09-07, version 2025.05* Update #2 9/7/25 - gah! I'm a goof. I realized that perhaps I should remove the app and re-install to see if the quick bal works after that. And lo and behold it did. Whew! Thank you for fixing that. I feel whole again 😉 Update 9/7/25 - the quick balance feature still does not work, so the widget does not work. I don't understand why we can't have this seemingly simple feature work correctly. I keep getting error messages when I try to enable quick balance. I swear it's been over a year since my last look. OG Now the quick balance doesn't even work on the Apple Watch.. most of the other banks out there can manage this feature. Please bring back the widget!!! ### 5/5 — Gracias Bay Federal por la aplicación,por que así me siento más informado sobre mi cuenta Bancaria. *2025-07-24, version 2025.05* ⭐️⭐️⭐️⭐️⭐️ --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-28.*