# Beginnings Credit Union — Beginnings Mobile Banking > Mobile banking app for managing accounts, transfers, payments, and loan applications. (iPhone/iPad app by Beginnings Credit Union.) - Source: https://appshunter.io/ios/app/beginnings-credit-union/id1612500929 (this page in markdown: same URL + `.md`) - Developer: [Beginnings Credit Union](https://appshunter.io/developer/903132021) - Category: Finance - Price: Free - Rating: 4.30/5 from 3,370 App Store ratings · 86 written reviews indexed - Age rating: 4+ - Requires: iOS 15.0 · 17 MB - Languages: American English, European Spanish - Released: 2022-11-28 - Data updated: 2026-08-25 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/beginnings-credit-union/id1612500929/reviews.md ## What is Beginnings Credit Union? Beginnings Mobile Banking, where Anything is Possible! Take charge of your finances, anytime, anywhere. With Beginnings Mobile Banking app, your money is just a click away. Whether you’re applying for your next loan or just checking your balance on the go, we're here to make banking simple, secure, and stress-free. Designed with real life in mind. We believe banking should work for you. That's why we built an app that's easy to use, packed with features, and backed by real people who care. It's everything you need in the palm of your hand! What you can do with the Beginnings Mobile Banking app: - View your accounts at a glance - Transfer money between your Beginnings accounts - Transfer to and from external accounts securely - Pay your Beginnings loans with ease - Pay and manage your monthly bills in one place - Send money to family and friends quickly - Deposit checks with just a photo - Activate or freeze your Beginnings Debit Card anytime - Set up travel alerts so your card works wherever you go - Manage subscriptions and keep table on recurring charges - Sign up for e-statements to cut down on paper clutter - Apply for a loan right from your phone - And much more! Why Choose Beginnings? Because we're more than a credit union. We're a partner in your journey, where anything is possible. Whether you’re starting out, starting over, or simply ready to do more with your money, we're here to help you move forward with confidence. Download Beginnings Mobile Banking today. Let's make possibilities happen together! ## Key features - View account balances - Transfer money between accounts - External account transfers - Loan payments - Bill pay - Mobile check deposit - Card activation/freezing ## What do users think of Beginnings Credit Union? Overall sentiment: negative **Pros** - 👍 Excellent card management features - 🚀 Exciting new app with great potential **Cons** - 🐛 Buggy and rarely loads - 🤯 Clunky and difficult to use - 🔒 Frustrating login and security issues - 🔍 Missing basic account information - 🔀 Confusing transition from old app **Commonly reported bugs** - Login issues and password reset problems - Disappearing transfer accounts and bill pay - Blank screens and app crashes **Most requested features** - Ability to rotate screen on iPad - Restore mobile check deposit feature - Improve bill pay and transfer functionality - Integrate account balances and transaction history ## Recent user reviews (10 of 86) All indexed reviews: https://appshunter.io/ios/app/beginnings-credit-union/id1612500929/reviews.md ### 1/5 — Location tracking *2026-08-13, version 2026.04.001* App doesn’t let me in without granting access to my background location, that’s not legal, app doesn’t need my location, it violates privacy. ### 1/5 — You should definitely be ashamed of how you talked to us and how unprofessional you were. *2026-07-17, version 2025.08.001* We sent two pay off checks for two loans, so since you wouldn’t put those loans together in the first place, you made interest off two loans off us. Never again then we ask what we owe after you call us saying you got the check but couldn’t give me a balance because you jumped the gun on calling us before you had an amount we were under. So we sent almost $23,000 to pay off the loans and you treated us so bad over $134.90. I asked 4 people for an amount so I could pay it and everyone kept doing security verification with us over $134.90. I will share how we were treated with all my friends and family on social media. You messed up. My husband has a credit score that is in the 800’s we’re not beginners and if that’s how you treat people you won’t last long. This is why credit unions are awful and I cringed when I heard “Beginnings” to finance such beautiful sleds. If you don’t want this review maybe your president should reach out and refund the interest on one loan since you treat people badly and don’t even have you job done with a total before you call us being extremely rude becuz our pay off checks weren’t enough. $134.90 be ashamed. Jeffery & Marcie Williams. ### 5/5 — Easy to use *2026-06-23, version 2025.08.001* I love how easy it is to check and manage my accounts. Upload money and utilizing mobile deposits. I moved out of state a few years ago, having the app is vital and appreciated. The only thing I would change is notifications. They need to be simplified and easier to find. No charges should go through if there isn’t enough money in an account. A notification should go out when a transaction goes through, funds low, declined transactions due to not enough funds, etc… ### 1/5 — Won’t open *2026-06-08, version 2025.08.001* App won’t open.. giving me unexpected network error ? ### 1/5 — The worst banking app I’ve ever used. *2026-05-30, version 2025.08.001* I have been with CFCU for many years and never had a complaint. I worked there for a long time and helped members with app or website login problems. This new app is awful! So much so that I am considering taking my accounts elsewhere. EVERY TIME I log in I have to go through the verification process and receive a code before I can log in. I reached out to the call center for help, letting them know I’ve done all of the usual things to troubleshoot, she basically told me she couldn’t help. This used to be a Credit Union where people knew your name, they cared about their members… ever since Lisa took over it’s just about expanding and making herself more money… and trust me, I could air a lot of dirty laundry. What a let down. ### 5/5 — Love the App! *2026-05-23, version 2025.08.001* Easy to use- I can pay my loan, credit card, transfer easily - even cancel unwanted subscriptions! Thanks Beginnings! ### 1/5 — Terrible bank app *2026-04-24, version 2025.08.001* It frequently crashes, struggles with deposits and freezes randomly mid transaction crashing the app. It’s almost unusable. ### 1/5 — Very difficult to work with app *2026-04-06, version 2025.08.001* Not. Good choice ### 1/5 — But this is the worst app in the world *2026-03-23, version 2025.08.001* This is the worst app in the world always need sign in this app always ask the username and the password and every single time if I want to login if you want to pay online your loan or your payment usually it’s not work ### 1/5 — Genuinely terrible *2026-03-16, version 2025.08.001* Constantly down for maintenance, and openly admitting that card and account security functions are going to be down often. Even with them doing all this, the app is often glitchy and broken. It has not remembered my device for a week now, with me needing to enter a mobile code at least once a day despite clicking ‘remember device’ every time. Beginnings also takes days to process most transactions, including on weekdays. Which wouldn’t be a big issue except for the fact that they aren’t reflecting your payments on your balance until they are. Meaning that I have to manually keep track of my balance despite having an app that should be perfectly capable of doing it for me. ## Frequently asked questions about Beginnings Credit Union ### What can I do with the Beginnings Mobile Banking app? The app allows you to view account balances, transfer money between your accounts and to/from external accounts, pay loans and bills, send money to friends and family, deposit checks via photo, activate or freeze your debit card, set travel alerts, manage subscriptions, sign up for e-statements, and apply for loans. ### Is the Beginnings Mobile Banking app free to use? The application itself is free to download and use. While the description mentions in-app purchases, it's important to note that standard banking transactions and features are typically included without extra cost. Any specific in-app purchases would be for optional services or features. ### How does mobile check deposit work? Mobile check deposit is a convenient feature that allows you to deposit checks directly through the app. You simply take a photo of the front and back of your endorsed check using your smartphone's camera, and the funds will be credited to your account. ### Can I apply for a loan through the app? Yes, you can apply for a loan directly from your phone using the Beginnings Mobile Banking app. This streamlined process allows you to initiate loan applications conveniently without needing to visit a branch. ### What security features are in place for transfers? The app ensures secure transfers to and from external accounts. While specific details are not provided, mobile banking apps typically employ encryption and multi-factor authentication to protect your financial information during transactions. ## Version history (last 5 releases) ### 2026.04.001 — 2026-08-05 Bug fixes and performance improvements ### 2025.08.001 — 2025-10-24 Bug fixes and performance improvements ### 2025.07.001 — 2025-09-04 Bug fixes and performance improvements ### 2025.06.003 — 2025-07-17 Bug fixes and performance improvements ### 2025.05.004 — 2025-07-01 This update introduces our new name along with our vibrant new colors and logo. While our name has changed, our commitment to provide our members with innovative, secure, and easy to use digital services remains the same. ## Apps similar to Beginnings Credit Union | App | Rating | Price | Category | | --- | --- | --- | --- | | [Alternatives FCU Mobile](https://appshunter.io/ios/app/alternatives-fcu-mobile/id6444346429) | 4.7 (704) | Free | Finance | | [CFCU Mobile](https://appshunter.io/ios/app/cfcu-mobile/id1039463872) | 4.9 (11,892) | Free | Finance | | [TompkinsBank](https://appshunter.io/ios/app/tompkinsbank/id1254441877) | 4.8 (8,659) | Free | Finance | | [orsa credit union banking](https://appshunter.io/ios/app/orsa-credit-union-banking/id581010710) | 4.8 (10,118) | Free | Finance | | [AmeriCU Credit Union](https://appshunter.io/ios/app/americu-credit-union/id903051488) | 4.8 (8,859) | Free | Finance | | [The Summit FCU](https://appshunter.io/ios/app/the-summit-fcu/id477457367) | 4.8 (5,407) | Free | Finance | ## More apps by Beginnings Credit Union - [CFCU Community Credit Union](https://appshunter.io/ios/app/cfcu-community-credit-union/id903132018) All apps by Beginnings Credit Union: https://appshunter.io/developer/903132021 ## Related topics [beginnings credit union](https://appshunter.io/ios/topics/beginnings-credit-union) · [cfcu community credit union](https://appshunter.io/ios/topics/cfcu-community-credit-union) · [sorteo de numeros](https://appshunter.io/ios/topics/sorteo-de-numeros) · [alpine credit union mobile app](https://appshunter.io/ios/topics/alpine-credit-union-mobile-app) --- *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 2026-08-25.*