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Breakwater Federal CU

Breakwater Federal CU

by BREAKWATER FEDERAL CREDIT UNION

619 ratings
13 reviews
💰 Finance
Free

Details

Released
October 14, 2024
Updated
October 14, 2026

Features

Developer

BREAKWATER FEDERAL CREDIT UNION
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Breakwater Federal CU screenshot #1 for iPhone
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Breakwater Federal CU screenshot #4 for iPhone
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❓5 answered
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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
Show original description

What users say about Breakwater Federal CU

Reviews of Breakwater Federal CU are mostly negative: the Finance app is rated 4.7/5 from 619 App Store ratings. What users like most: mobile deposit saves a drive, makes life and finances better. Top complaints: mobile deposit frustrating, checks rejected due to inability to identify written language. Summarized from real user reviews.

Positive things

  • 👍Mobile deposit saves a drive
  • ✨Makes life and finances better
  • ⭐️⭐️⭐️⭐️⭐️Great customer service
  • 👍Friendly and supportive staff
  • 👍Staff looks out for fraudulent transactions
  • 👍New app look is nice
  • 👍Many other features are nice

Negative things

  • 😞Mobile deposit frustrating
  • 😞Checks rejected due to inability to identify written language
  • 😞Camera switches horizontal to vertical
  • 😞Difficult to take picture of check
  • 😞App requires closing and reopening
  • 😞Does not like signature/notation on back of check
  • 😞Half of needed features are terrible
  • 😞Rather have the old app
  • 😞Never lets me do a mobile deposit
  • 😞Hardest time depositing checks
  • 😞Spend extra time endorsing check
  • 😞70% of the time deposit doesn't work
  • 😞Having to make extra trips to the bank
  • 😞User interface is crowded
  • 😞Less intuitive to navigate
  • 😞Light/dark mode not as clean as previous app
  • 😞Wish I could continue using the old app
  • 😞App won't open overseas
  • 😞Error messages when redownloading
  • 😞Can't recover username via email
  • 😞Old app not downloadable until after bank closes
See all reviews

What's New in Breakwater Federal CU

3.39.0

October 14, 2026

Version 3.39.0 • Bug fixes and performance improvements

User reviews

Most RecentHighest RatedLowest Rated

Great CU

App is very easy to use, great CU!
Eedytahome

Just works

Mobile deposit saves me a drive
SCSwinging clocks

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.
AA_Anthony_Review

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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FFroggert3000

New app

The new app is a piece of work! Never lets me do a mobile deposit.
HHallamp20
See 8 more reviews

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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.