# Direct Federal Credit Union — user reviews > 44 indexed App Store user reviews of Direct Federal Credit Union by Direct Federal Credit Union, rated 4.70/5 from 299 ratings. - Source: https://appshunter.io/ios/app/direct-federal-credit-union/id637636057/reviews - App overview in markdown: https://appshunter.io/ios/app/direct-federal-credit-union/id637636057.md - Rating breakdown: 5★ 240 · 4★ 43 · 3★ 7 · 2★ 1 · 1★ 8 ## What do users think of Direct Federal Credit Union? Overall sentiment: mixed **Pros** - 👍 Easy to use - 👍 Convenient for banking on the go - 👍 Mobile deposit feature is helpful - 👍 Bill pay functionality - 👍 Transfer money between accounts - 👍 Direct deposit feature - 👍 Clean design - 👍 Simple interface - 👍 Makes banking easy **Cons** - 🐛 App crashes on opening e-statements - 🐛 Bill pay not formatted properly on iPad - 🐛 Login issues, requires password reset - 🐛 Security code not sent to cell phone - 🐛 Mobile deposit issues - 🐛 App displays computer code - 🐛 Loading forever when transferring accounts - 🐛 Trouble with back of check photos - 🐛 Camera function issues on iPhone/iPad - 🐛 App is unreliable - 🐛 Photos rejected frequently - 🐛 Bill pay doesn't tie to full site setup - 🐛 Mobile deposits take several days to credit - 🐛 Mobile deposit process is cumbersome - 🐛 Photo frame issues on iPhone 6 - 🐛 Black strip on right of check photo page - 🐛 App has a fancier look but same issues - 🐛 Occasional down times **Commonly reported bugs** - App crashes when opening e-statements - Bill pay not formatted correctly on iPad - Login issues due to security code delivery problems - App displays computer code instead of interface - Account transfers fail to load selection page - Mobile deposit camera function is faulty - Check photo rejection due to unclear errors - Inconsistent check photo quality - Bill pay settings do not sync with website - Mobile deposit crediting delays **Most requested features** - Improve bill pay formatting on iPad - Make bill pay feature more prominent - Allow viewing of past deposit check images - Display pending items immediately in register - Improve check photo legibility for business checks - Fix check photo frame issues on newer iPhones/iPads - Ensure bill pay syncs with full site setup ## Newest reviews (10 of 44) ### 4/5 — Good App *2017-03-17, version 5.2.5* Seems to work well and has about feature parity with the biggies. One thing I wish is that items that are pending would appear on the register for the checking account immediately. For example, checks deposited via the app, but not yet credited, or a bill payment that has been processed but not yet withdrawn. ### 4/5 — Great convenience *2016-10-30, version 5.2.5* I love the direct deposit feature! Saves huge time (no trip to the ATM). The ability to transfer funds is handy too. ### 4/5 — Great app and very easy to use!! *2016-03-25, version 5.0.0* This app makes all of my basic banking needs super convenient. Better than any of my other bank apps! ### 4/5 — It works! *2015-06-03, version 4.1.1.0* It works as advertised. Who could ask for more. ### 4/5 — Mr martin *2015-05-30, version 4.4.0.0* Very convenient ### 4/5 — Generally good *2015-04-14, version 4.4.0.0* I use this app mostly for check deposits. It gets a bit finicky about the photos of the checks complaining about such things as the endorsement being too light, even when signed using an extremely dark and wide pen. Often the error message bears no real relationship to the appearance of the photo. Apart from these frequent frustrations, I like this app. ### 5/5 — Direct Federal *2014-11-22, version 4.1.1.0* Very handy for check deposits. ### 4/5 — Improved my life!! *2014-10-18, version 4.1.1.0* This app is so handy! Only issue to mention. Taking pictures of checks is sometimes problematic. It's very sensitive to background color and glare. About 20% of the time I have to take multiple shots of the front and/or the back of the checks. I deposit about 12 checks a month of all different sizes. The smaller the shape off the check the more consistent success in taking photos. ### 5/5 — Great App! *2014-10-06, version 4.1.1.0* I love how easy it is to use. One issue is the photo frame in the iPhone 6 is placing a black bar at the right end of the frame and making it difficult to get a consistent size picture that it will accept. Otherwise, it's awesome! ### 5/5 — Love the app! *2014-10-03, version 4.1.1.0* Really enjoy the app, easy to use, manage my accounts. One small draw back, bill pay does not tie to what I have set up and can access via the full site. ## Most critical reviews (10 lowest-rated) ### 1/5 — Useless on iPad Air *2022-10-05, version 4002.2.3* I use this app primarily for bill pay - bill pay isn’t formatted properly on the app on my iPad Air rendering it useless for paying bills - also since bill pay is the most common use, why is that feature buried? It is not buried on the iPhone app. ### 1/5 — Opening statements crashes the app! *2022-08-28, version 4002.1.2* I’m running the latest iOS on an iPhone 12 Pro Max and iPad Air (5th gen) and you can’t open an e-statement without the app crashing! Every. Single.Time! ### 1/5 — Horrible *2021-05-25, version 3018.0.0* No nickname because I’m not hiding from anything... This app is horrible won’t even let me sign in only way I can sign in is to select forgot password and create a new password only because of the second security sign in section WONT SEND YOU A CODE TO YOUR CELL PHONE. What they will do is send you a code if you forgot your password... also I can’t make a mobile deposit in order to make a payment for an auto loan what a joke... a Federal credit union with plenty of money yet still can’t afford a functioning app... sadly I have an auto Loan with this company that I can’t change oh also closest location is over 2 hours away.... don’t bank through them will be posting this review on all websites... ### 1/5 — Horrible *2021-02-11, version 3016.1.0* This is with no exaggeration the worst financial app I have ever used. Talked about a huge upgrade and it is just the same up with a fancier look. ### 2/5 — Only Computer code displayed in app *2021-03-15, version 3016.1.0* I did “get” a couple of times to have app loaded to my iPhone for my use. I used several times successfully then I got the app with computer code displayed and the only way to get rid of displayed code in the app was delete the app. Now I no longer can get the app loaded for use. The only way to use app is to search for app and use it each time I want to use app. This is a pain. ### 2/5 — Photo improved, but needs work *2019-05-14, version 5.11.0.26* It still has way too much trouble with the back of the check. Business sized checks usually take 3-4 tries before they are legible. Mostly excellent and convenient. But, currently in ios 8 the frame in the check photo page is out of whack. There's a black strip on the right that cuts off the right edge of the check. ### 2/5 — Unreliable *2014-10-21, version 4.1.1.0* I must be doing something wrong but thi application barely works for me. It drops my username, the text reply confirmation took three tries and the photos are rejected 75% of the time. Yes, it works but is very unreliable b ### 3/5 — Buggy *2021-03-03, version 3016.1.0* Loading forever when I try to transfer between accounts. I never get the page to load to select accounts. ### 3/5 — Camera function doesn't work properly *2014-12-14, version 4.1.1.0* Over the past few weeks, first my iPhone wouldn't take checks, and now my iPad has the same issue, where the full camera field falls off the screen and won't allow a picture to be taken. I miss deposit by app! ### 4/5 — Being able to view past deposits on leave be *2018-08-11, version 5.9.23* I also use two other banks and you are able to click on a past deposit and it brings the check you deposited (image) right up. Great feature to upgrade to. ## Most praised reviews (10 highest-rated) ### 5/5 — Love the new software ! *2021-02-26, version 3016.1.0* I am now able to pay my DirectFederal car loan from my payroll bank account online with 0 fees ### 5/5 — Review *2020-04-25, version 6.2.1.32* Excellent people and customer service ### 5/5 — Happy customer *2019-10-07, version 6.0.29* Great bank great options great staff. ### 5/5 — Does everything it needs to *2017-02-16, version 5.2.5* Great app. Nothing fancy but gets the job done. Thanks! ### 5/5 — Ye gods but I love this app *2016-11-22, version 5.2.5* I can see all my account balances, pay all my bills (including the ones delivered electronically), transfer money, deposit my checks (people still use paper checks), and I can do it all securely from my phone whenever I need it. On top of that, a nice smooth and simple interface. What's not to like? ### 5/5 — Everything you need! *2016-08-31, version 5.2.5* Mobile deposit is my fav ### 5/5 — Great App! *2016-08-23, version 5.2.5* Occasionally it has some "down times" but overall great app. It's easy to use and make mobile banking way easier. I highly recommend it ### 5/5 — Love the convenience of this banking app *2016-02-27, version 5.0.0* I love that I can deposit checks, pay bills and transfer money from all my accounts. This makes banking so easy! ### 5/5 — Easy and straightforward *2015-06-26, version 4.4.0.0* No complaints, has been great to use. I live in the Midwest temporarily and the app makes banking much easier. ### 5/5 — So easy to use! *2015-06-15, version 4.4.0.0* This app is so wonderfully simple - no need to mail in cheques any more. Love it! --- *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 2026-07-18.*