Step backwards
The latest version is really a step backwards for how I use the app. I’m all about functionality. And this version uses font that are huge, is super slow to load, and I can’t see all my account accounts at the same time or can I see the options of transactions to do at the same time. For the way I use the app, the last version was way better.
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App blocked and monthly payment refused unless I authorized an additional, oversized charge
On May 15, 2025 I attempted to make my regular monthly payment of $706.20 through Elements Financial’s mobile app, only to find my account blocked without explanation.
I called the collections line and spoke first with Kaylan and then Laura. After more than 25 minutes:
1. They refused to accept my on-time payment unless I provided my card and agreed to a second, automatic charge of $1,429.90 on June 29, 2025 (covering an extra installment, late fees, and part of the past-due balance they calculate).
2. They insisted my loan was 42 days late, ignoring that I have paid every month (Feb 20, Mar 19, Apr 24) — simply not on their preferred 7th of the month.
3. When I finally authorized the one payment, they ran the card twice until it was declined, then told me to “borrow from family or friends.”
4. They refused to unblock the app until I accepted their larger payment plan, leaving me no practical way to stay current.
The approach was unprofessional, inflexible, and coercive: they blocked my payment channels, tried to impose unauthorized auto-debits, and suggested I seek outside cash. In my view this is an abusive practice that puts both my credit and my vehicle at risk.
I called the collections line and spoke first with Kaylan and then Laura. After more than 25 minutes:
1. They refused to accept my on-time payment unless I provided my card and agreed to a second, automatic charge of $1,429.90 on June 29, 2025 (covering an extra installment, late fees, and part of the past-due balance they calculate).
2. They insisted my loan was 42 days late, ignoring that I have paid every month (Feb 20, Mar 19, Apr 24) — simply not on their preferred 7th of the month.
3. When I finally authorized the one payment, they ran the card twice until it was declined, then told me to “borrow from family or friends.”
4. They refused to unblock the app until I accepted their larger payment plan, leaving me no practical way to stay current.
The approach was unprofessional, inflexible, and coercive: they blocked my payment channels, tried to impose unauthorized auto-debits, and suggested I seek outside cash. In my view this is an abusive practice that puts both my credit and my vehicle at risk.
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Ruined interface
Newest visual update ruined the interface and made it much harder to tell at a glance what is in all my accounts.
They instead added stupid flashing banners and a Zelle button both taking up huge amounts of space.
On top of everything the entire app now runs incredibly slow. Personally I think the developers behind the latest version of the code are sloppy and lazy and do not understand basic app visual design
They instead added stupid flashing banners and a Zelle button both taking up huge amounts of space.
On top of everything the entire app now runs incredibly slow. Personally I think the developers behind the latest version of the code are sloppy and lazy and do not understand basic app visual design
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Add location services choices
This app needs to have all three choices available in iOS under location services. Please add the choice "While using the app" as using "Always" for a setting is an unnecessary battery drain and using "Never" requires user go into phone settings to switch to "Always" to find nearby locations. Also find a location within the app defaults to nearby and gives no flexibility to find locations elsewhere other than moving the map around. Add an address search box!
10-6-2024
Previously reported problem has definitely been fixed. Now there is no location option for the app in iOS settings.
10-6-2024
Previously reported problem has definitely been fixed. Now there is no location option for the app in iOS settings.
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Meh, need to include debit card control
This is a meh version of the website. Not great. Needs card control integrated. Needs to be maxed for iPhone.
Overall Fine
The app works fine most of the time. I do frequently run into a problem where transactions are not calculated properly and I have no idea how much is in my account, particularly because this happens most frequently with larger transactions. The app is good for those who like everything in one place but not great for money management if you don’t know your balance.
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Keeps kicking me out
Clicking the back navigation button logs me out of the app. So always have to click on the Menu and select an option from there again. Depositing a check kicks me out as well and there is no way to tell if the check was deposited or not. Gave up after 3 attempts and now when I login it says deposit failed since it’s a duplicate deposit. Crazy!!
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Works well
Connecting external accounts is a bit cumbersome. Moving money and scheduling transfer is mostly simple
Not functioning for me
I have a new account. App randomly logs me out and the deposit check function does not work at all.
App changes
Bill pay options are extremely Difficult to use on a phone. Also not user friendly. Has not improved over several years of use. Bill pay options still terrible
Great Banking App
This app lets me pretty much do anything that my iMac web browser can do and then some. The mobile deposit feature is awesome!
Satisfied
I am 56 yrs old, I have done business with a multitude of financial institutions over the years and NOT ONE has compared to the professionalism, courtesy and helpfulness of Elements. Thank you all for your efforts on my behalf, may you have blessed lives .
Love Elements, People and the App
Love all of the Elements Apps
Awesome app!
Elements has so many features and such that I wonder, ‘Who needs the big chains?’ Great service and neighborhood friendly representatives.
Great app
Elements continues with good service, even on the app!
Great app for banking
Love it has all the features
Good overall, but,
App does not always allow Face ID to unlock. I have to enter the password instead of having the Face ID more often than I’d like.
Would be great to show account interest rate
Also would be great to have a qualifying transactions counter to be eligible for promo interest
Works great
Good app. Best Credit union!!!
Everything I need to do is here
Great app. Fast and easy to use. I can do most of my transaction through the app.