# Lake Michigan CU Mobile — user reviews > 138 indexed App Store user reviews of Lake Michigan CU Mobile by Lake Michigan Credit Union, rated 3.00/5 from 690 ratings. - Source: https://appshunter.io/ios/app/lake-michigan-cu-mobile/id481606178/reviews - App overview in markdown: https://appshunter.io/ios/app/lake-michigan-cu-mobile/id481606178.md - Rating breakdown: 5★ 237 · 4★ 62 · 3★ 75 · 2★ 82 · 1★ 234 ## What do users think of Lake Michigan CU Mobile? Overall sentiment: negative **Pros** - 🚀 Easy to use - 👍 Convenient mobile deposit - 🔒 Secure login options - 💡 Integrated with Zelle **Cons** - 🐛 Frequent login issues - 🐛 Unreliable mobile deposit - 🔍 Lacking advanced features - 🕰️ Slow and outdated UI **Commonly reported bugs** - App crashes during use - Authentication failures - Delayed transaction updates **Most requested features** - Pending transaction visibility - Customizable dashboard - Improved bill pay experience - Savings goal tracking ## Newest reviews (18 of 138) ### 2/5 — Update downgraded budgeting tool *2026-07-31, version 4.4.1* I’ve been closely using the budget tool for six months and it had been extremely helpful, but the latest update removed the tool and implemented “wallet insights “ and a very basic budgeting tool. All my data is gone and I’m extremely disappointed with the new features compared to the old. I already switched to Every Dollar for budgeting, but it was a huge hassle to have to start from square one. Please bring the old tool back! I recommended LMCU to others just based on that feature! ### 2/5 — Update: Tracking Installed *2026-07-30, version 4.4.1* Prior to this most recent update it did not appear as though LMCU was using third-party analytics or tracking. However, each time you load the app and login you are sharing your private data with “cloudflareinsights” The app itself is “ok” it does an “ok” job at what it is supposed to do, however third party analytics and tracking tools do not belong in a banking app. ### 4/5 — Positive App Privacy Report *2026-07-03, version 4.4.0* If you value privacy, at least at this time, it does not appear as though LMCU is sharing analytics with third parties from the app. The app itself, while not the best design, does what it is supposed to do and doesn’t try to be more. It is not a 5 star app, but it does not need to be, it’s a 5 star credit union. ### 3/5 — Just my opinion *2026-06-19, version 4.3.6* The app is fine but it is missing Zelle and push notifications. Add those and everything is perfect! ### 4/5 — Good app, missing features *2026-01-22, version 4.3.5* The app is very functional, but I’d like to see: (1) MORE point progress/breakdown towards VIP status, and (2) using the app’s authenticator as an addition, NOT a replacement, to using one’s password for login. ### 1/5 — Doesn't work *2025-09-26, version 4.3.3* Can't login. I can login from the android app or web browser but not the iOS app. ### 1/5 — Unreliable *2025-09-18, version 4.3.3* I haven’t been able to access my account info in over a week now because the app keeps giving me error messages when I try to login and no one seems to even be working on it. I also have to reset my password every time I login on the website instead. Unacceptably incompetent service. ### 1/5 — Needs Serious Maintenance *2025-09-04, version 4.3.3* Horrendous app. I’m able to log in using biometrics maybe 20% of the time. It usually just says “biometric sign in is unavailable at this time.” If I manually input my username and password, it requires me to send a code to either my phone or email. Fine. I choose to send code to my phone. The app times out and says it cannot send a code to my phone at the moment. So I choose email. The email with the code never comes. Total, I’m able to get into my bank account MAYBE 50% of the time. Love banking with LMCU, but the app is a joke. It’s 2025 and most people are accessing their bank info through an app, so there is no excuse for the app to be this bad. ### 4/5 — Lacking Balances after Transactions *2025-07-29* I appreciate the overall functionality of the app, but one major issue makes managing my finances frustrating. After a transaction posts or while it’s pending, the app doesn’t clearly show whether the displayed balance reflects that transaction or not. It’s hard to tell what my actual available balance is in real time. I’d love to see an improvement in balance reporting, showing a “running balance” after each transaction, including pending ones. That transparency helps with budgeting and avoids confusion. Hoping this can be addressed in a future update! **Developer response:** Thank you for your feedback. We use this information to understand what needs to be improved upon for our next update. If you have any additional feedback or need assistance, please give us a call at (800) 242-9790. ### 1/5 — Manual dep pic *2025-07-02, version 4.3.2* Quit working It flips like it took a pic and does nothing. Tried several weeks in a row ### 3/5 — E Notices *2025-06-17* I received a message from LMCU that I had an E-Notice. I was directed to log on and select’Access emotive and Tax Documents’ under the Services tab. There is a Services tab on the computer app, but there is no such tab on the phone app. I have to have my personal accounts on the computer and the business account on the phone because I can’t have them together on either app. It took me a while to discover that I was overdrawn but I corrected it as soon as I discovered the issue. Other than that, the phone app is fine **Developer response:** This is helpful to know! Thank you for taking the time to leave a review. We use this information to understand what needs to be improved upon for our next update. ### 1/5 — Terrible app *2025-06-01, version 4.3.1* This app was great the first few years now the off/on feature for the card turns off on its own making the card not usable. ### 2/5 — Running balance *2025-05-16, version 4.3.1* 1. Very possibly I don’t know what I’m doing. 2. if I put in a three star or above, you guys think everything is OK. So I had to give it two. 3. i’m not gonna do the work myself. You have to provide it for me. Add another column to the accounts page so I can see the running balance. ### 1/5 — Poor app for bill pay *2025-05-14, version 4.3.1* Poor app for bill pay ### 1/5 — My account *2025-04-27, version 4.3.1* There was 40,00 in my account when I wrote a check for 30;00 should have 10.00 left. You charged me 30.00 For bounced check, you had my money and I know it was close but knew I had enough cover that check. I should have 10:00 left. You had my money, I should not have been charged. ### 1/5 — App could be better *2025-04-26* The app is basic and not in any way intuitive, their push notifications are trash and account notifications are poor. Also, they charge you for a transaction that puts you negative yet is still pending, so even if you mistakenly overdraft and have money in other accounts they don’t even give you the ability to correct this while pending they pocket their 30 dollars for every transaction that comes thru as pending even tho the payment/charge has never posted. Honestly they should have a 50 dollar grace period like chase and Huntington but apparently as a credit union member and owner, we get screwed! **Developer response:** Thank you for taking the time to leave a review. This is valuable information to have as we will be using it to inform our future updates. For any further assistance, please connect with our support team at 800-242-9790. ### 1/5 — No lo recomiendo *2025-03-31, version 4.3.1* Lo único malo de este banco es que cuando depositas un cheque lo dejan en espera por muchos días, hasta 5 o 6 días. ### 1/5 — App rating *2025-03-25, version 4.3.1* Not very user friendly. Very frustrating that I can’t set up auto payments or recurring bill pay on the app. App is very limited. Used to having more access through online apps. ## Most critical reviews (10 lowest-rated) ### 1/5 — please bring back the budgeting tool! *2026-08-03* i am very disappointed with this “update.” LMCU replaced their most functional feature: the budgeting tool. whatever new “insights tool” they launched is nowhere near as functional and intuitive, and looks “vibe-coded” from one AI prompt. for example, i cannot get detailed expense breakdowns… just a name and a number (ex: shopping: $300). how can you cross-check this information when relevant expenses are not linked? am i supposed to check my hundreds of expenses one by one to see where they were placed? also, what happened to the detailed subcategories? there is now just “shopping.” but what type of shopping? clothing? personal care? games? electronics? the subcategories have been annihilated throughout the app in favor of just a few categories (food transportation health, shopping etc). i miss when i could see breakdowns like gas, parking, maintenance, as well as coffee shops, restaurants, and fast food! unfortunately, it seems like the developers removed everything useful in the “update.” please don’t remove every feature in a fruitless quest for simplicity! **Developer response:** Your feedback is valuable to us. We appreciate you taking the time to leave a review and want to provide you with the best experience possible. If you have any additional feedback for our team, please contact customer service at (800) 242–9790. ### 1/5 — please bring back the budgeting tool! *2026-07-31, version 4.4.1* i am very disappointed with this “update.” LMCU replaced their most functional feature: the budgeting tool. whatever new “insights tool” they launched is nowhere near as functional and intuitive. for example, i cannot get detailed expense breakdowns… just a name and a number (ex: shopping: $300). how can you cross-check this information when relevant expenses are not linked? am i supposed to check my hundreds of expenses one by one to see where they were placed? also, what happened to the detailed subcategories? there is now just “shopping.” but what type of shopping? clothing? personal care? games? electronics? the subcategories have been annihilated throughout the app in favor of just a few categories (food transportation health, shopping etc). i miss when i could see breakdowns like gas, parking, maintenance, as well as coffee shops, restaurants, and fast food! unfortunately, it seems like the developers removed everything useful in the “update.” please don’t remove every feature in a fruitless quest for simplicity! ### 1/5 — Horrible *2026-07-31, version 4.4.1* New “wisdom” is just a time waster. Making me wade through your data points is annoying. I only want to see my accounts, I don’t need your AI to recap things and advise me. Go back to the clean appearance without all the wisdom junk. Or at least give customers the option to turn it OFF! ### 1/5 — New feature *2026-07-30, version 4.4.1* The new wallet wisdom insights feature is intrusive and unhelpful. Please include the ability to disable this unwanted feature. ### 1/5 — Broken *2026-03-13, version 4.3.5* It doesn’t even open at all. I’m on an iPhone 16 pro max running iOS 26.2.1 ### 1/5 — Broken *2026-02-21, version 4.3.5* The app is broken. They’re all kinds of errors, and it is impossible to login. This is very problematic when you’re dealing with a financial app. Users must be able to login at all times. ### 1/5 — Worst app ever *2026-02-07, version 4.3.5* I can’t believe how bad this app has gotten. So frustrating and annoying. I might even need to switch banks to get checks deposited ### 1/5 — Outdated, Inconvienent *2025-11-19, version 4.3.4* This app looks like and functions like a college project from someone. I love LMCU but the app is garbage. Needs a facelift Needs unified personal and joint checking ### 1/5 — Needs Serious Maintenance *2025-10-04, version 4.3.4* Horrendous app. I’m able to log in using biometrics maybe 20% of the time. It usually just says “biometric sign in is unavailable at this time.” If I manually input my username and password, it requires me to send a code to either my phone or email. Fine. I choose to send code to my phone. The app times out and says it cannot send a code to my phone at the moment. So I choose email. The email with the code never comes. Total, I’m able to get into my bank account MAYBE 50% of the time. Love banking with LMCU, but the app is a joke. It’s 2025 and most people are accessing their bank info through an app, so there is no excuse for the app to be this bad. ### 1/5 — App is broken *2025-09-30, version 4.3.3* App will not log into website. Gives error code http 400. I restarted my phone, deleted and reinstalled the app, restarted my phone again, but get the same error code. I can log into the website from the same phone so it’s not the phone. Very inconvenient as I have checks I need to deposit and can only do that thru the app. ## Most praised reviews (10 highest-rated) ### 5/5 — I get text at 3am. No Bueno. *2025-04-30, version 4.3.1* Great app but I need to find a way to turn off the notification option. I repeatedly get text at 3 o’clock in the morning. ### 5/5 — Love this banking app!! *2025-04-25, version 4.3.1* LMCU mobile app is a must have it’s so convenient and I love how I can login as many accounts if need be and deposit checks without having to go to the bank to do so!!! #1 satisfied customer over here!!! ### 5/5 — Great, but no Zelle *2025-02-15* I love LMCU. The Max Checking is great especially when paired with the rewards credit card. The app is a convenient way to access their services and rarely do I find it lacking something, requiring logging in to online banking. I just wish LMCU hadn’t gotten rid of Zelle, which is imo the most convenient payment program. But that’s not an issue with the app, so 5 stars from me. **Developer response:** Thank you so much for your kind words and the 5-star review! We’re constantly working to improve our services and appreciate your feedback. If there's anything else you'd like to see in the future, don't hesitate to reach out. Thanks again for choosing LMCU! ### 5/5 — The best credit union ever !!! *2025-01-20, version 4.3.0* Been with for 30 years . I love you guys . ### 5/5 — Love this App *2024-12-30, version 4.3.0* LMCU is the best bank to use. They always have friendly people to help with everything. This is simple and easy to use. The app is also very secure. I never feel at risk banking on my mobile with this app. I highly recommend LMCU to everyone for safe and reliable banking. God Bless 🙏🏻 ### 5/5 — Customer service rep Shanda *2024-10-10, version 4.3.0* Thank you so much!! I really appreciate your kindness and patience with my situation! I’m so grateful Have a wonderful day! ### 5/5 — Intuitive and Powerful *2024-09-07* I have used many banking apps in my life but the LMCU banking app is the best I’ve ever used. You can easily navigate and find your checking and savings information and our mortgage information. We can do mobile deposits and change our mortgage payments right from the app. I can’t imagine a better app to use. **Developer response:** We are happy to hear about your positive experience with using our mobile app! Thank you for sharing. ### 5/5 — Good Aim *2024-08-04, version 4.2.2* Such little amounts of recoil with this app recommend if u have no money, 11/8 app such good memories spent through this app, although I am now poor and spent a loan on vbucks my family is starving and need food at least I have almost every skin in Fortnite.🤷‍♀️ ### 5/5 — LMCU *2024-04-21, version 4.2.0* Love this app! I am able to review the status of every deposit & payments on a daily basis! Love the sweepstakes, auto bill pay & the ability to transfer funds! Thank you! ### 5/5 — Carol M. *2024-03-01, version 4.1.2* The LMCU app is incredibly easy to use. Very clear & easy to follow. Thank You! 🕊️ --- *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 2026-08-21.*