# Breakwater Federal CU

> Mobile financial management and decision support tool for personal finance. (iPhone/iPad app by BREAKWATER FEDERAL CREDIT UNION.)

- Source: https://appshunter.io/ios/app/breakwater-federal-cu/id6572305966 (this page in markdown: same URL + `.md`)
- Developer: [BREAKWATER FEDERAL CREDIT UNION](https://appshunter.io/developer/685438551)
- Category: Finance
- Price: Free
- Rating: 4.70/5 from 565 App Store ratings · 13 written reviews indexed
- Age rating: 4+
- Requires: iOS 18.4 · 172 MB
- Languages: American English, European Spanish
- Released: 2024-10-14
- Data updated: 2026-09-07
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/breakwater-federal-cu/id6572305966/reviews.md

## What is Breakwater Federal CU?

Breakwater Federal Credit Union is a mobile decision-support tool.
Breakwater Federal CU is your personal financial advocate. It’s fast, secure and makes life easier by empowering you with the tools you need to manage your finances. 

Here’s what you can do with Breakwater Federal CU: 
•	Keep your transactions organized by allowing you to add tags, notes and photos of receipts and checks. 
•	Set up alerts so you know when your balance drops below a certain amount.
•	Make Payments, whether you’re paying a company or a friend.
•	Transfer money between your accounts.
•	Deposit checks in a snap by taking a picture of the front and back.
•	Reorder your debit card or turn it off if you’ve misplaced it.
•	View and save your monthly statements.
•	Find Branches and ATMs near you.
•	Secure your account with a 4-digit passcode or biometric on support devices.

## Key features

- 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

## What do users think of Breakwater Federal CU?

Overall sentiment: negative

**Pros**

- 👍 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

**Cons**

- 😞 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

**Commonly reported bugs**

- Mobile deposit checks get rejected due to inability to identify written language on the back of the check.
- Camera switches horizontal to vertical during mobile deposit.
- Mobile deposit feature does not like signature and notation on the back of the check.
- App is unable to open when overseas.
- App gives error messages upon redownloading.

**Most requested features**

- Allow username recovery via email

## Recent user reviews (10 of 13)

All indexed reviews: https://appshunter.io/ios/app/breakwater-federal-cu/id6572305966/reviews.md

### 5/5 — Great CU

*2026-08-29, version 3.37.0*

App is very easy to use, great CU!

### 5/5 — Just works

*2025-10-15, version 3.27.0*

Mobile deposit saves me a drive

### 1/5 — Mobile Deposits

*2025-09-11, version 3.27.0*

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.

### 1/5 — Beautiful app, depositing a check has never been more frustrating

*2025-04-09, version 3.20.0*

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.

### 1/5 — New app

*2025-02-04, version 3.18.0*

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

### 1/5 — Great except for deposit feature

*2025-01-11*

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.

### 2/5 — New App

*2024-10-20*

I love the Credit Union team and their services, but l am not a fan of this new app. The user interface is much more crowded and less intuitive to navigate. Neither the light mode or dark mode display look as clean as the pervious app display. I wish I could continue using the old app! If it ain't broke, don't fix it!

### 1/5 — Unable to open app

*2024-10-19, version 3.17.0*

I am currently overseas and the app won’t even open. Redownloaded the new app and it keeps giving me error messages. Miss the old one!!

### 2/5 — New App

*2024-10-17*

I love the Credit Union team and their services, but I am not a fan of this new app. The user interface is much more crowded and less intuitive to navigate. Neither the light mode or dark mode display look as clean as the pervious app display. I wish I could continue using the old app! If it ain't broke, don't fix it!

### 4/5 — I hate changes

*2024-10-17, version 3.17.0*

Although I hate changes, so far, this new app hasn’t been bad.

## Frequently asked questions about Breakwater Federal CU

### 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.

## Version history (last 5 releases)

### 3.37.0 — 2026-08-20

Version 3.37.0
• Bug fixes and performance improvements

### 3.36.0 — 2026-07-16

Version 3.36.0
• Bug fixes and performance improvements

### 3.35.0 — 2026-06-09

Version 3.35.0
• Bug fixes and performance improvements

### 3.34.1 — 2026-05-22

Version 3.34.1
• Bug fixes and performance improvements

### 3.34.0 — 2026-05-18

Version 3.34.0
• Bug fixes and performance improvements

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## More apps by BREAKWATER FEDERAL CREDIT UNION

- [Breakwater FCU](https://appshunter.io/ios/app/breakwater-fcu/id685438448)
- [The BFCU Mortgage Center](https://appshunter.io/ios/app/the-bfcu-mortgage-center/id1608073042)

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 2026-09-07.*