# HNCU 2.0 > Mobile banking app for checking accounts, deposits, transfers, and bill pay. (iPhone/iPad app by School District 12 Credit Union.) - Source: https://appshunter.io/ios/app/hncu-20/id970262861 (this page in markdown: same URL + `.md`) - Developer: [School District 12 Credit Union](https://appshunter.io/developer/459838030) - Category: Finance, Productivity - Price: Free - Rating: 4.83/5 from 668 App Store ratings · 13 written reviews indexed - Age rating: 4+ - Requires: iOS 11.0 · 110 MB - Languages: English, French, Spanish - Released: 2015-03-09 - Data updated: 2026-06-10 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/hncu-20/id970262861/reviews.md ## What is HNCU 2.0? HNCU’s mobile app is Fast, Safe and Free! With the Horizons North Credit Union mobile banking app you can: • Use QwikSnap to deposit a check • Check your account balances • View your recent transaction history • Transfer funds between eligible accounts • Pay your bills if you are enrolled in online bill pay • Find ATM’s and shared branches worldwide Best of all it’s FREE* and easy to use. * Web access is needed to use HNCU Mobile. Check with your wireless carrier for fees that may apply. HNCU Mobile is available to Horizons Online enrollees only. All terms applicable to Horizons Online apply to HNCU Mobile. Must have Bill Pay set up previously in Horizons Online to use this function in HNCU Mobile. To learn how we protect your privacy, please visit https://www.hncu.org/privacy.html ## Key features - Mobile check deposit (QwikSnap) - Account balance checks - Transaction history viewing - Fund transfers - Bill payment - ATM and branch locator ## What do users think of HNCU 2.0? Overall sentiment: positive **Pros** - 👍 Easy to use and intuitive interface - 🚀 Simplifies financial tasks and work - 💼 Multi-account viewing and transfers - ⭐ Reliable and consistent performance - 🔄 Continuous app improvements and updates - 📱 Apple Watch integration - 🔐 Quick Balance feature without login - 👥 Excellent customer service support **Cons** - 💰 Higher interest rates than competitors - 🔒 Password expiration without notice - 🗂️ Cluttered interface with unnecessary tools - ⚠️ Complex setup and onboarding process **Commonly reported bugs** - Account login failures and frozen accounts - Mobile check deposit not working - Account information fails to load - Username and password not recognized after updates - Multiple glitches affecting functionality **Most requested features** - Mortgage payment functionality through app - Simplified login and password management ## Recent user reviews (10 of 13) All indexed reviews: https://appshunter.io/ios/app/hncu-20/id970262861/reviews.md ### 5/5 — tools to make your life easier *2023-07-10* It is excellent to simplify work ### 5/5 — Customer service *2022-07-02, version 4.25.173* Lisa took very good care of me with helping me to consolidate a vehicle loan, etc.. So far so good I am very pleased to be a new member. Thank you Stacia Tutty ### 5/5 — Great but... *2020-07-09, version 4.25.173* I do like the app and ease of use but I wish there was a way to pay the mortgage through the app. Could there be a permission or a security question that allows me to pay it on the app? ### 5/5 — Interest rates *2020-05-08, version 4.25.173* Interest rates are higher than competitors ### 5/5 — Thumbs up!! *2018-11-05, version 4.14.99* We have been members since 1978 and have seen moves from building to building. Seen great personnel who have helped us through their retirements and then replaced by new faces. We now live out of state and continue to belong to HNCU. The phone help is always there and along with the phone app we continue to be satisfied with HNCU. ### 5/5 — Love it *2018-08-22, version 4.14.99* Love the app! It’s really easy to use, and has never given me any problems. Great credit union too! ### 4/5 — Great new look! *2017-08-29, version 4.2.254* Thanks for continuing to improve this app! ### 1/5 — Way too complex and troublesome *2016-05-27, version 3.11.236* Password expires with no notice leaving you locked out until you're able call during bankers hours. There are a hundred tools you'll never use and the ones you need a hidden in there somewhere. K.I.S.S ### 5/5 — Love It! *2016-05-06, version 3.11.236* I Loved it but now I can't live without it! Does what you would expect a bank app to do with more. I can view balances of multiple accounts / loans from one page and transfer money between these accounts easily. They added a new Quick Balance that does not require you to log in. Then they made it better adding the feature to the Apple Watch. Thank you so much for continually adding upgrades. ### 5/5 — Great new features! *2015-11-12, version 3.10.220* Really like the new app! ## Frequently asked questions about HNCU 2.0 ### What can I do with the HNCU 2.0 app? The app allows you to deposit checks using QwikSnap, check your account balances, view recent transaction history, transfer funds between eligible accounts, pay bills if you are enrolled in online bill pay, and find ATMs and shared branches worldwide. ### Is the HNCU 2.0 app free to use? Yes, the app is free to use. However, web access is needed to use HNCU Mobile, and your wireless carrier may charge fees for data usage. Enrollment in Horizons Online is required. ### How do I deposit a check with the app? The app features QwikSnap, a tool that allows you to deposit checks directly from your mobile device. You will need to follow the on-screen instructions to complete the deposit. ### Can I pay bills through the HNCU 2.0 app? Yes, you can pay your bills through the app, but only if you are already enrolled in online bill pay through Horizons Online. You must have Bill Pay set up previously in Horizons Online to use this function within the HNCU Mobile app. ### What are the requirements to use HNCU 2.0? To use HNCU Mobile, you need web access and must be enrolled in Horizons Online. All terms applicable to Horizons Online also apply to HNCU Mobile. If you wish to use the bill pay feature, it must have been set up previously in Horizons Online. ## Version history (last 5 releases) ### 4.40.115 — 2022-09-20 This update includes user interface improvements and security enhancements. If you have automatic updates turned on, your HNCU Mobile Banking App should update automatically. If not, you will need to update it manually. ### 4.25.173 — 2020-04-23 • Ability to apply for a loan from within HNCU 2.0 ### 4.14.99 — 2018-08-14 • Minor bug fixes and improvements • Update remote deposit capture instructions ### 4.2.254 — 2017-08-10 - Updated look and feel throughout the app - Sliding menu for improved navigation - Quick action buttons for popular functions ### 3.11.236 — 2016-04-25 * Bill Pay Enhancement * Card Controls * Apple Watch Support ## Apps similar to HNCU 2.0 | App | Rating | Price | Category | | --- | --- | --- | --- | | [MoneyMobile](https://appshunter.io/ios/app/moneymobile/id556074184) | 4.8 (405) | Free | Finance | | [Heartland Tri-State Bank](https://appshunter.io/ios/app/heartland-tri-state-bank/id821013526) | 4.8 (125) | Free | Finance | | [Arapahoe Credit Union](https://appshunter.io/ios/app/arapahoe-credit-union/id1645020893) | 4.8 (366) | Free | Finance | | [State Bank of Bottineau](https://appshunter.io/ios/app/state-bank-of-bottineau/id1349075711) | 4.8 (168) | Free | Finance | | [San Juan Credit Union](https://appshunter.io/ios/app/san-juan-credit-union/id1058139321) | 4.0 (5) | Free | Finance | | [HPBGO](https://appshunter.io/ios/app/hpbgo/id1462100850) | 4.9 (1,076) | Free | Finance | ## More apps by School District 12 Credit Union - [Horizons North CU](https://appshunter.io/ios/app/horizons-north-cu/id6526497669) All apps by School District 12 Credit Union: https://appshunter.io/developer/459838030 --- *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 2026-06-10.*