# Breakwater FCU

> Mobile banking for managing accounts, deposits, payments, and transfers. (iPhone/iPad app by BREAKWATER FEDERAL CREDIT UNION.)

- Source: https://appshunter.io/ios/app/breakwater-fcu/id685438448 (this page in markdown: same URL + `.md`)
- Developer: [BREAKWATER FEDERAL CREDIT UNION](https://appshunter.io/developer/685438551)
- Category: Finance
- Price: Free
- Rating: 4.76/5 from 950 App Store ratings · 26 written reviews indexed
- Age rating: 4+
- Requires: iOS 11.0 · 110 MB
- Languages: English, French, Spanish
- Released: 2013-08-22
- Data updated: 2026-06-10
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/breakwater-fcu/id685438448/reviews.md

## What is Breakwater FCU?

Breakwater FCU mobile banking allows you to check balances, view transaction history, deposit checks, pay people, pay bills, transfer funds, and pay loans on the go! 

Features: 
- Check Balances 
- View Transaction History 
- Transfer Funds 
- Deposit Checks 
- Pay Loans 
- Pay People 
- Pay Bills 
- Secure Messaging for support 

If you have any questions about this application, please text or call Breakwater FCU at 906.482.5005.

## Key features

- Check balances
- View transaction history
- Deposit checks
- Pay bills
- Transfer funds
- Secure messaging

## What do users think of Breakwater FCU?

Overall sentiment: positive

**Pros**

- 👍 Excellent service
- 👍 Knowledgeable staff
- 👍 Convenient online banking
- 👍 Easy to use app
- 👍 Helpful customer service
- 👍 Smooth mobile deposits
- 👍 Fingerprint/Face ID login

**Cons**

- 🐛 Occasional app freezes
- 🔒 Lack of password change option in app

**Commonly reported bugs**

- Check deposit photo capture freezes app
- Fingerprint authentication setup crashes app

**Most requested features**

- Notifications for credit card charges
- Face recognition unlock for iPhone X
- Option to make principal-only loan payments

## Recent user reviews (10 of 26)

All indexed reviews: https://appshunter.io/ios/app/breakwater-fcu/id685438448/reviews.md

### 5/5 — Lilly Lasanen

*2022-07-01, version 4.40.113*

Excellent service, answered all my questions with a cherry voice plus knowledgeable about all my 
questions and I never felt rushed .

She deserves an A Plus rating

😊 Thank you, 
Alina McCormack
2011800

### 5/5 — I don’t think I should have to suffer through ads.  How can we disable them???

*2021-12-17, version 4.38.201*

Tld

### 5/5 — Great crew.

*2021-06-25, version 4.38.201*

All of the staff are pleasant and helpful.

### 5/5 — Customer service

*2020-05-19, version 4.25.177*

I can always count on a hello, a huge smile and professional service from Suzanne Miron and Paula McGowen.    They have been so helpful as my life has had many financial changes and needs over the past few years.

### 5/5 — Really wonderful

*2020-05-14, version 4.25.177*

Easy to use, obvious, fast, powerful.

### 5/5 — Home bound With No Car

*2019-09-27, version 4.19.122*

I’m 71 years old, have no vehicle and appreciate your online service. Day to day it’s updated so I know the status of my funds.
If I have a question all I have to do is call MTFCU and immediately not only is my question answered, but answered in a very understandable way.

### 5/5 — Easy

*2019-03-29, version 4.19.122*

Convenient

### 5/5 — Love the app

*2019-03-20, version 4.19.122*

I’m someone who balances our budget daily and love that I don’t need to wait for a printed copy of accounts being debited.  The app works excellently and I’m able to make mobile deposits too!

### 5/5 — Superb APP

*2018-11-08, version 4.2.255*

Utilizing several “banking” Apps, I think MTEFCU’s is far superior! Everything is available with very little effort to accomplish what you intend! 
Keep up the great work!!

### 5/5 — Great App!

*2018-06-28, version 4.2.255*

The check deposit and fingerprint sign on- are wonderful. They save me so much time and are very convenient. Love seeing the new additions and the ever improving app. Great work!

## Frequently asked questions about Breakwater FCU

### What can I do with the Breakwater FCU mobile banking app?

The app allows you to check your account balances, view your transaction history, deposit checks remotely, pay bills, pay other people, transfer funds between accounts, and pay your loans. It also provides secure messaging for customer support.

### Is the Breakwater FCU mobile banking app free to use?

Yes, the application is free to download and use. There are no additional charges for using its core banking features.

### How can I get help if I have questions about the app?

You can get help by using the secure messaging feature within the app for support. Alternatively, you can text or call Breakwater FCU directly at 906.482.5005.

### What are the main features of this mobile banking app?

Key features include checking balances, viewing transaction history, depositing checks, paying bills, paying people, transferring funds, paying loans, and secure messaging for support.

## Version history (last 5 releases)

### 4.40.113 — 2022-06-28

New name and rebranded logo.

### 4.38.201 — 2021-06-07

Multiple enhancements including: person pay, view check images, view e-statements, check stop pay, secure messaging, and multiple security updates.

### 4.25.177 — 2020-05-13

Bug fixes and performance improvements

### 4.19.122 — 2019-03-07

Bug fixes and performance improvements

### 4.2.255 — 2018-03-13

Updated look and feel throughout the app

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## More apps by BREAKWATER FEDERAL CREDIT UNION

- [The BFCU Mortgage Center](https://appshunter.io/ios/app/the-bfcu-mortgage-center/id1608073042)
- [Breakwater Federal CU](https://appshunter.io/ios/app/breakwater-federal-cu/id6572305966)

All apps by BREAKWATER FEDERAL CREDIT UNION: https://appshunter.io/developer/685438551

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*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 2026-06-10.*