# Breakwater FCU — user reviews > 26 indexed App Store user reviews of Breakwater FCU by BREAKWATER FEDERAL CREDIT UNION, rated 4.76/5 from 950 ratings. - Source: https://appshunter.io/ios/app/breakwater-fcu/id685438448/reviews - App overview in markdown: https://appshunter.io/ios/app/breakwater-fcu/id685438448.md - Rating breakdown: 5★ 803 · 4★ 105 · 3★ 20 · 2★ 6 · 1★ 16 ## 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 ## Newest reviews (16 of 26) ### 5/5 — Credit card *2018-06-26, version 4.2.255* I like all the app offers except I’d like to see notifications regarding charges on the credit card, as they occur, come to my phone instead of receiving a phone call for questionable charges. ### 5/5 — Need face recognition added to unlock *2018-05-19, version 4.2.255* Great app. Love features like account overview, travel plan logging for credit cards, super easy transfers. Need to update to iPhone X face recognition so I can open app without entering my password, no finger scan capability with iPhone X. ### 5/5 — Easy to Use! *2018-01-20, version 4.2.2542* Everything is very well explained and makes a lot of sense! Quite rare features nowadays! ### 5/5 — Everything's so easy. *2017-03-07, version 3.11.236* I love seeing all my accounts, being able to transfer money easily from the app, and seeing when everything is due. Only wish I have is getting a way to change the password without having to call into the bank. ### 5/5 — Easy to use *2017-03-05, version 3.11.236* Gets me to info I need fast ### 5/5 — Love it! *2017-02-17, version 3.11.236* Works well, very convenient! ### 5/5 — Great Experience! *2016-12-30, version 3.11.236* This app makes banking from a distance easy! Everything you'll ever need is included and it's very easy to follow. ### 5/5 — Great *2016-12-29, version 3.11.236* Easy to use and easy to log in with apple finger print I.D. ### 5/5 — Stable app *2016-09-29, version 3.11.236* App has become a lot more stable. I haven't had a problem with all the features listed in the description. Pros: - Touch ID does not lag any more. - Mobile deposit works flawlessly now. - Being able to switch off cards is a neat addition. Cons: - UI looks outdated. But as long as the app is functional and easy to use, it is ok for me. Feature request: - Provide options when making a payment on the loan (regular payment vs principal only payment) Thanks and keep it up! ### 5/5 — Better than the desktopSite *2016-03-20, version 3.11.236* This app has Touch ID, shows pending transactions, is very simple to navigate, and seems quicker than the desktop site. I haven't found anything I can't do. I use this app exclusively now. ### 5/5 — Useful *2015-10-29, version 3.10.220* If you bank at MTEFCU, this is a must have. You can easily regulate you banking accounts and the mobile deposit function works perfectly. ### 5/5 — Awesome! *2015-10-21, version 3.10.220* I love this app! The mobile deposit feature is a huge bonus and is so convenient! ### 5/5 — Awesome *2015-10-05, version 3.10.220* Great app for checking account statements, transferring between accounts, and depositing checks on your phone. ### 5/5 — Almost worthless *2015-09-26, version 3.9.104* Try to deposit a check, tap to take 1st photo, app freezes. Try to set up fingerprint auth, tap yes to confirm, app freezes. OK to check account activity and transfer between accounts, but that's all. I wanted it to deposit checks so for me it's worthless. ### 5/5 — Great updates! *2015-05-27, version 3.9.104* Happy to see continuous improvement. Keep it up! ### 5/5 — Great! Keep up the good work! *2013-11-20, version 3.0.10* I can finally do mobile banking! So great! App is easy to use, has a good look. No lagging or anything so far. I would also like to be able to deposit checks through this app in the future ## Most critical reviews (10 lowest-rated) ### 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! --- *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.*