# EFCU Financial Mobile Banking

> Mobile banking app for managing EFCU Financial accounts and transactions. (iPhone/iPad app by EFCU Financial Federal Credit Union.)

- Source: https://appshunter.io/ios/app/efcu-financial-mobile-banking/id805062899 (this page in markdown: same URL + `.md`)
- Developer: [EFCU Financial Federal Credit Union](https://appshunter.io/developer/376779900)
- Category: Finance
- Price: Free
- Rating: 4.80/5 from 4,562 App Store ratings · 51 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.0 · 112 MB
- Languages: American English
- Released: 2014-01-30
- Data updated: 2026-09-01
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/efcu-financial-mobile-banking/id805062899/reviews.md

## What is EFCU Financial Mobile Banking?

EFCU Financial Credit Union App gives you instant access to your accounts while on the move.  We understand that mobile access is a necessity for our members today, and we offer this app as a free service to ensure you get the information you need, when you need it. Our App provides a secure way to view and manage your accounts, make transfers and loan payments and pay bills.

## Key features

- Instant account access
- Secure account management
- Make transfers
- Loan payments
- Bill pay

## What do users think of EFCU Financial Mobile Banking?

Overall sentiment: mixed

**Pros**

- 👍 Easy to use
- 🚀 Simplifies banking experience
- 💡 Great app and institution
- 👍 Helpful and professional staff
- 👍 Convenient to make deposits

**Cons**

- 🐛 Buggy and unreliable
- 🐛 Frequent crashes and login issues
- 🐛 Outdated and glitchy app
- 🐛 Inconsistent performance
- 🐛 Verification issues

**Commonly reported bugs**

- Face ID/Touch ID issues
- Frequent log-outs and password resets
- Inability to transfer money between accounts
- Deposit issues after app updates
- Incompatibility with older devices

**Most requested features**

- Instant Venmo transfers
- Early deposit feature
- Satellite or local branch

## Recent user reviews (10 of 51)

All indexed reviews: https://appshunter.io/ios/app/efcu-financial-mobile-banking/id805062899/reviews.md

### 2/5 — horrible app

*2026-06-07, version 25.2.100*

The banking app ALWAYS has an error. It doesn’t load at the absolute worst times.

### 2/5 — Needs work

*2026-05-30*

This app glitches very often. It will force you to change your password too many times

### 2/5 — A very tired customer

*2026-01-04, version 25.1.70*

The app itself makes you not want to bank with EFCU. EVERY WEEK something is wrong with the app

### 5/5 — Usage

*2025-07-17*

It’s super easy to use, I love the system and how much it simplifies my banking experience!

### 2/5 — Reason for two stars.

*2025-07-10, version 24.2.50*

I have an account with them and I use this app, i recently just started working about 3-4 months ago so I’m always using the app. Though, on one occasion it disabled my Face ID, so I started using my password. Not even two days later it started saying that very same password was incorrect. And now, not even 10 minutes ago (10:15pm) it completely logged out, the username and password. It also never saves the information to my phone.

### 3/5 — Buggy

*2025-06-28, version 24.2.50*

Needs someone to fix bad code!

### 5/5 — Custer

*2025-05-02*

Mobile app is HORRIBLE!!!  Freezes often and you have to enter information more than once to sign into your account.  This app is severely OUTDATED!!!  EFCU get it together!!

### 1/5 — Do better

*2025-02-20*

I transferred to this bank mid last year. I didn’t any have major issues at the time aside from the confusion with Zelle. Now more than often, the app freezes way to much to the point that I can’t unlock my card. The app ALWAYS has an “error occurred”. This is ridiculous!! It’s bad enough how outdated the app is…but to constantly have an error happen is just ridiculous!! While this credit union may have its perks, I’d highly recommend rethinking this being an option. No sense of keeping an account with a bank when you can’t hardly access it!

### 1/5 — Terrible App

*2024-10-23, version 24.1.71*

Terrible app, for resetting a password or username. It won’t let you get a code on the password via email like it does on the username. In addition to the password requirements are ridiculous. My way bigger bank I mainly bank with and many others have less requirements. In addition it doesn’t tell you why you can’t use the password you want. It just says try another although you met all the requirements. 

No excuse for this type of ignorance in a system that should be user friendly.

### 1/5 — Can’t log in

*2024-07-31*

This app has been giving me problems since I changed my new phone number. I’ve been calling and speaking with a service rep and they always tell me someone will get back with me and they never do. It’s been almost a month now

## Frequently asked questions about EFCU Financial Mobile Banking

### What can I do with the EFCU Financial mobile app?

The app allows you to view and manage your EFCU Financial accounts securely. You can make transfers between accounts, process loan payments, and pay your bills directly through the app.

### Is the EFCU Financial mobile app free to use?

Yes, the EFCU Financial Credit Union App is offered as a free service to its members. There are no charges for downloading or using the app to access your accounts and perform transactions.

### How secure is the EFCU Financial mobile app?

The app provides a secure way to access and manage your financial information. It is designed to protect your account details and transaction data while you are using it.

### Who is the EFCU Financial mobile app for?

This app is designed for members of EFCU Financial Credit Union. It's for individuals who need convenient and instant access to their banking information and the ability to perform essential transactions while on the move.

## Version history (last 5 releases)

### 26.1.30 — 2026-08-04

We are continually releasing new updates to further improve your mobile banking experience. This version includes user interface improvements, security updates and bug fixes.  Please be sure to turn on automatic updates to make sure that your app is always up to date.

### 25.2.100 — 2026-02-25

We are continually releasing new updates to further improve your mobile banking experience. This version includes user interface improvements, security updates and bug fixes.  Please be sure to turn on automatic updates to make sure that your app is always up to date.

### 25.1.70 — 2025-12-08

We are continually releasing new updates to further improve your mobile banking experience. This version includes user interface improvements, security updates and bug fixes.  Please be sure to turn on automatic updates to make sure that your app is always up to date.

### 25.1.31 — 2025-09-03

We are continually releasing new updates to further improve your mobile banking experience. This version includes user interface improvements, security updates and bug fixes.  Please be sure to turn on automatic updates to make sure that your app is always up to date.

### 24.2.50 — 2024-11-18

We are continually releasing new updates to further improve your mobile banking experience. This version includes user interface improvements, security updates and bug fixes.  Please be sure to turn on automatic updates to make sure that your app is always up to date.

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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 2026-09-01.*