1. Home
  2. 💰 Finance
  3. Essential CU
Essential CU

Essential CU

by Essential Credit Union

4.6K ratings
61 reviews
📊 Productivity
💰 Finance
Free

Details

Released
September 15, 2015
Updated
October 28, 2026

Features

Developer

Essential Credit Union
✨Promote your app ✨
Essential CU screenshot #1 for iPhone
Essential CU screenshot #2 for iPhone
Essential CU screenshot #3 for iPhone
Essential CU screenshot #4 for iPhone
iphone
ipad
watch
📌Ready
Reviews summary↘︎
⭐61
Reviews↘︎
📝2+ tags
Tags↘︎
🔄6+ apps
Alternatives↘︎
❓5 answered
FAQ↘︎
📦~ in 2 months
Updates frequency↘︎
🖼️Get Icon
Icons↘︎

About

Manage your credit union accounts conveniently from your mobile device. Access account information, transfer funds, pay bills, and deposit checks on the go. Easily locate ATMs and branches with this secure and user-friendly application.

✓Check account balances
✓View transaction history
✓Transfer funds
✓Pay bills
✓Send money to contacts
✓Deposit checks
✓Find ATMs and branches
Show original description

What users say about Essential CU

Reviews of Essential CU are mostly negative: the Finance app is rated 4.8/5 from 4.6K App Store ratings. What users like most: fast and easy to use, user-friendly interface. Top complaints: frequent crashes and technical issues, unreliable account access and information. Summarized from real user reviews.

Positive things

  • 🚀Fast and easy to use
  • 👍User-friendly interface
  • 💡Useful features like check deposit
  • 🔒Secure with Touch ID login

Negative things

  • 🐛Frequent crashes and technical issues
  • ⚠️Unreliable account access and information
  • 💤Outdated and frustrating interface
  • 🤯Poor customer support
See all reviews
+1

What's New in Essential CU

2026.07.05

October 28, 2026

This update includes general improvements, enhancements, and bug fixes to provide you with the best possible experience.

User reviews

Most RecentHighest RatedLowest Rated

Disappointed

When bank is closed you can’t call if you are having a problem can’t get any money out of the ATM it is ridiculous
CAcajuns angel

Review

Great!!!
Jjigsmall

Best banking service

10 Stars
#U#1Credit Union

New app

I do not like the layout of the new app… why change something when nothing was wrong with the way it was…
1C1 cat3dogs

Ugh

This app is honestly one of the worst I’ve ever used. It constantly freezes, crashes in the middle of simple tasks, and takes forever to load basic account information. Half the time I can’t even log in because of “technical errors.” The interface feels outdated, and it’s nearly impossible to navigate without getting frustrated. Mobile check deposits don’t process correctly, and customer support is no help—they just tell you to “try again later.” A banking app should make managing money easier, but this one makes it stressful and unreliable. Definitely not worth the headache.
Show more
Ccharmintroyyy
See 56 more reviews

User experience

🐞

Reported Bugs

4 issues

Login screen freezes

Bug

Account information not displaying correctly

Bug

Deposit issues and delays

Bug

Compatibility problems with newer devices

Bug
✨

Requested Features

4 requests

Ability to lock debit card

Feature

Faster credit card payment updates

Feature

More account management features

Feature

Apple Pay integration

Feature

FAQ

What can I do with the Essential CU mobile app?

The app allows you to access your account information, check balances, view transaction history, transfer funds between accounts, pay bills, send money to friends and family, and deposit checks directly from your mobile device. You can also easily find nearby ATMs and branches.

How do I log in to the Essential CU mobile app?

You can log in to the Essential mobile app using the same credentials you use for your existing Online Banking. This ensures a secure and familiar login process for all your banking needs.

Is the Essential CU mobile app free to use?

The app itself is free to download and use. However, as indicated by the presence of ads, there may be associated costs or revenue generation models that support the app's availability.

What devices is the Essential CU mobile app compatible with?

The app is designed for mobile devices, allowing you to access your credit union accounts anytime and from anywhere. Specific compatibility details regarding operating systems (iOS/Android) are not provided in the description but it is implied to be available on common smartphone platforms.

Can I deposit checks using the Essential CU mobile app?

Yes, a key feature of the Essential CU mobile app is the ability to deposit checks directly through your mobile device. This eliminates the need to visit a branch or ATM for check deposits.