Breakwater Federal CU

Breakwater Federal CU

by BREAKWATER FEDERAL CREDIT UNION

542 ratings
12 reviews
Free

Details

  • Released
  • Updated
  • October 14, 2024
  • July 16, 2026

Features

Breakwater Federal CU screenshot #1 for iPhone
Breakwater Federal CU screenshot #2 for iPhone
Breakwater Federal CU screenshot #3 for iPhone
Breakwater Federal CU screenshot #4 for iPhone
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About

Manage your finances on the go with this secure mobile tool. Organize transactions, set up alerts, make payments, and deposit checks with ease. Access account statements, find nearby branches, and secure your account with advanced options.

Organize transactions with tags, notes, and photos
Set balance alerts
Make payments and transfer money
Mobile check deposit
Manage debit cards
View monthly statements
Find branches and ATMs
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What users say

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What's New in Breakwater Federal CU

3.36.0

July 16, 2026

Version 3.36.0 • Bug fixes and performance improvements

User reviews

Just works

Mobile deposit saves me a drive

Mobile Deposits

Frustrating to use the mobile deposit because checks get rejected due to the apps inability to identify written language on the back of the check. It only happens when I try to deposit checks here. I never have a problem in doing so with other bank institutions.

Beautiful app, depositing a check has never been more frustrating

I really like my federal credit union but this new app has some major flaws with the deposit feature.

I’m currently using an iPhone 16 with the latest version of the operating system.

I have two issues with a deposit feature. For one, every other time I use it the camera switches horizontal to vertical, which makes it almost impossible to take a picture of my check, which requires me then to close the app and reopen it and try it again.

The second and most frustrating issue is that it does not like my signature and notation on the back of the check. I’ve gotten to the point now, where I actually have a spare check that I know works, and I use it.

I love the new look and many other features on the app are nice, but my main need is to deposit checks and bill pay. And half of what I need it to do is terrible. And for that I’d rather have the old app.
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New app

The new app is a piece of work! Never lets me do a mobile deposit.

Great except for deposit feature

The new app is fantastic. However, I have the hardest time depositing any checks. I know my handwriting is terrible, but I never had issues with the old app with this. I have to spend extra time, slow slowly endorsing the check and even then. 70% of the time it doesn’t work. Having to make extra trips to the bank, to friendly people, is not always easy for me to do.
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Developer apps

User experience

🐞

Reported Bugs

5 issues

Mobile deposit checks get rejected due to inability to identify written language on the back of the check.

Bug

Camera switches horizontal to vertical during mobile deposit.

Bug

Mobile deposit feature does not like signature and notation on the back of the check.

Bug

App is unable to open when overseas.

Bug

App gives error messages upon redownloading.

Bug

Requested Features

1 request

Allow username recovery via email

Feature

FAQ

What does the Breakwater Federal CU app do?

The Breakwater Federal CU app is a mobile decision-support tool designed to help you manage your personal finances. It allows you to organize transactions, set up alerts, make payments, transfer money between accounts, deposit checks, manage your debit card, view statements, and find branches and ATMs.

What are the key features of the Breakwater Federal CU app?

Key features include organizing transactions with tags, notes, and photos; setting up balance alerts; making payments and transfers; depositing checks via photo; reordering or turning off debit cards; viewing and saving monthly statements; finding nearby branches and ATMs; and securing your account with a passcode or biometrics.

Is the Breakwater Federal CU app free to use?

The app is free to download and use. While the description mentions 'hasInAppPurchases' and 'hasAds', it does not detail specific in-app purchase costs or ad content. It is a free service provided by the credit union.

What devices is the Breakwater Federal CU app compatible with?

The app is a mobile application, suggesting compatibility with smartphones and tablets. It also mentions support for biometric security on compatible devices, indicating it works with modern mobile operating systems that offer such features.

How can I use the Breakwater Federal CU app for everyday banking?

You can use the app for everyday banking by logging in to manage your accounts, view transaction history, make payments to companies or friends, transfer funds between your own accounts, and deposit checks remotely. It also provides tools for managing your debit card and locating physical branches or ATMs.