# BCU Mobile Banking — user reviews > 185 indexed App Store user reviews of BCU Mobile Banking by BCU, rated 4.87/5 from 92,628 ratings. - Source: https://appshunter.io/ios/app/bcu-mobile-banking/id1133974972/reviews - App overview in markdown: https://appshunter.io/ios/app/bcu-mobile-banking/id1133974972.md - Rating breakdown: 5★ 80,283 · 4★ 7,486 · 3★ 1,309 · 2★ 216 · 1★ 349 ## What do users think of BCU Mobile Banking? Overall sentiment: mixed **Pros** - 🚀 Convenient mobile banking - 💳 Seamless debit/credit card management - 📤 Easy mobile check deposits - 🏦 Comprehensive banking services - 🤝 Excellent customer service **Cons** - 🐛 Frequent app crashes and login issues - 🕰️ Slow transaction updates and balance display - 🔍 Confusing account management and navigation - 🔒 Security concerns with login and authentication - 🔧 Buggy mobile deposit and transfer features **Commonly reported bugs** - Mobile deposit not working consistently - Transfer functionality frequently unavailable - Randomly logged out of app with no warning - Incorrect account balances and pending transactions - Facial recognition/biometric login issues **Most requested features** - Real-time transaction alerts - Ability to view check images - Streamlined account organization - Dark mode and font scaling options - Improved third-party app integration ## Newest reviews (16 of 185) ### 4/5 — Make Zelle and the app more reliable *2026-07-18, version 5000.10.0* It's a pretty good app but Zelle is often hit or miss. ### 4/5 — About Zelle *2026-07-18, version 5000.10.0* I need a QR code to use Zelle ### 4/5 — Make Zelle and the app more reliable *2026-06-26, version 5000.10.0* I only get the spinning wheel and it never loads. 2 days straight it will not open on my iPhone 15 or my one year old iPad. Fix it! I like banking with you guys for the most part. But when I need/want to send somebody money via Zelle, I need this app to work. ### 4/5 — Make Zelle and the app more reliable *2026-06-21, version 5000.10.0* 2 days straight it will not open on my iPhone 15 or my one year old iPad. Fix it! I like banking with you guys for the most part. But when I need/want to send somebody money via Zelle, I need this app to work. ### 3/5 — Depositing a Check is a JOKE *2026-06-12, version 5000.10.0* I’ve never had a more frustrating experience trying to scan a check. What a fluffing joke! ### 5/5 — Confidence banking team *2026-05-13, version 5000.10.0* I feel in confidence ### 5/5 — Awesome service! *2026-05-09, version 5000.10.0* Thank you for always being there when I need you! ### 5/5 — Very Good *2026-05-05, version 5000.10.0* The app is easy to use and helpful for daily banking. I can quickly check balances, transfer money. The app is secure and user-friendly. ### 4/5 — Good app *2026-05-04, version 5000.10.0* The app is very useful but I hate that it tracks my location even if I switch to other apps until I fully close this app. ### 5/5 — BCU ROCKS *2026-05-03, version 5000.10.0* I worked at Baxter (North Cove) for 45yrs and joined BCU once they opened their branch office! Once I was out of the country and forgot to notify BCU of my trip! They saw a purchase I had made and immediately called me to verify that it was actually me making the purchase! Needless to say I was Thrilled that they took care of the purchase and updated the card as it be used in the order countries I was going to next…As their Motto said then…BCU Certainly Had My Back So My Trip was Saved!!! Thank You BCU For Great Customer Service Support!! ### 5/5 — Excellent Service *2026-05-01, version 5000.10.0* Make my transactions more easy and don't have to go to the bank! ### 5/5 — Recent view *2026-05-01, version 5000.10.0* Recently when I go to my credit score the pages are cut off and I can’t see all words or my information. The main part of the app where I see the bank activity is good. However, it would be nice to see a preview of the transactions, and not all the details unless I select the item. I just want a preview of who was paid and the amount, small enough that I can see more on the screen. This is still happening ### 3/5 — Balances and overdrafts *2026-05-01, version 5000.10.0* I wish our balance was more reliable and accurate most of the time. I get pending charges, but not everything takes that long to come out and we need a better depiction of what’s actually in our account after ALL transactions have came out. ### 5/5 — Why I love this bank *2026-05-01, version 5000.10.0* I LOVE THIS BANK BECAUSE NOBODY I MEAN NOBODY CAN GET AWAY WITH HACKING YOUR ACCOUNT OR ANY SUSPICIOUS ACTIVITY THEY BE ON IT AND I RECOMMEND THIS BANK TO EVERYONE I KNOW 🩷🩷🩷 ### 3/5 — Mejorar *2026-04-30, version 5000.10.0* Deberían mejorar el atraso de las transacciones de pago y las transferencias,se tardan mucho . ### 5/5 — Best Bank in the Country *2026-04-30, version 5000.10.0* I’ve been with BCU for several years and they’ve always responded promptly and effectively when there was an issue and they don’t charge me for any hidden fees. App is easy to use, always operable, comprehensible and efficient. You won’t want a different banking experience after you bank with BCU. ## Most critical reviews (10 lowest-rated) ### 1/5 — Terrible *2026-07-30, version 5000.10.0* Ive been with this bank only a few months and this is the second time they’ve had system issues which causes my debit card to not work. It is such an inconvenience when I have bills to pay ### 1/5 — Update is awful *2026-07-19, version 5000.10.0* Used to be a great app & now it does nothing but freeze ### 1/5 — Why Puertorican can’t used ApplePay???? *2026-06-17, version 5000.10.0* Why puertorican debit card can’t be used in Apple wallet for Apple Pay ? Really? ### 1/5 — Denied my claim *2026-05-03, version 5000.10.0* A company delivered an order to the wrong address. I showed all docs and BCU refused to refund my $. ### 1/5 — Keeps freezing *2026-04-24, version 5000.8.0* This app will freeze and not allow me to click anything and I’m trying to pay my credit card bill online, it’s frustrating because when I call the number on the back of the card it doesn’t offer any prompt to make a payment or anything at all, it just proceeds to list every single transaction. But if I don’t pay my bill I get charged interest. Get it together BCU ### 1/5 — Needs update *2026-03-28, version 5000.8.0* Deposit anywhere does not work. I clearly updated both front and back of check and it was declined due to not having back of check. In the declination the back of the check was included! I will not be wasting time and checks with this app. It’s enough frustration this CU is mostly online. ### 1/5 — Leaving is the Best Decision I Made. *2026-02-06, version 5000.8.0* I got into trouble financially. I turned my card off to stop the payment of things I couldn’t pay at the moment. They would pay them anyway and charge me 29 each time. One of the charges was for 3.45. I even called to try to get the to stop doing it, but I was told they would pay it anyway even though I didn’t have courtesy payments turned on. It’s like a scam. Charges totaled almost $700. Of course my account is in the negative. I had my tax refund going into it to clear it up and they sent it back. I’ve never seen a bank that was this counter productive in my life. Now they have a note threatening to report my account to the credit bureau for non payment……My rebuttal will be that they refused to take the payment because they’d rather report me to the credit bureau. ### 1/5 — Seems like its always down *2026-01-18, version 5000.8.0* Why is this apps always; “online banking is temporarily unavailable.” When you needed to transact the most. They need to work on this. And banking deposits take forever for your account to update. ### 1/5 — Updates? *2025-12-18, version 5000.8.0* Wow, the last update was over a year ago? Why would anyone trust this app? I was going to open an account but with online banking, and no physical branches near me, it is essential to have a reliable app and good customer service. I'll have to pass. ### 1/5 — App error *2025-10-21, version 5000.8.0* The app won’t let me in it just keeps on redoing the verify human thing and won’t let me in after clicking the box to verify I am human ## Most praised reviews (10 highest-rated) ### 5/5 — Great *2026-08-19, version 5000.10.0* Great bank and great app. They’re the best! ### 5/5 — Easy to surfing *2026-08-11, version 5000.10.0* App is easy to surfing. Detailed information. ### 5/5 — The best bank *2026-07-28, version 5000.10.0* They are respectful ### 5/5 — BCU mobile banking *2026-07-16, version 5000.10.0* Very convenient, rarely have issues. I have peace in knowing my money is being is being watched with this credit union. ### 5/5 — Happy client *2026-07-12, version 5000.10.0* I appreciate the fact that this bank care about their customers so much regardless of how much money u have they treat you the same. ### 5/5 — Best experience ever *2026-06-30, version 5000.10.0* Best bank to partner with ### 5/5 — Bcu for the win *2026-06-30, version 5000.10.0* Best decision was switching to Bcu ### 5/5 — Great Bank! *2026-06-28, version 5000.10.0* App is easy to navigate and has all of the excellent features one would expect from a premier banking platform. ### 5/5 — Good *2026-06-17, version 5000.10.0* Great ### 5/5 — BCU takes care of me *2026-06-03, version 5000.10.0* My first point of contact for any financial needs --- *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 2026-09-10.*