# MCTCU — user reviews > 23 indexed App Store user reviews of MCTCU by MCT Credit Union, rated 4.90/5 from 2,644 ratings. - Source: https://appshunter.io/ios/app/mctcu/id1452356913/reviews - App overview in markdown: https://appshunter.io/ios/app/mctcu/id1452356913.md - Rating breakdown: 5★ 2,469 · 4★ 109 · 3★ 33 · 2★ 10 · 1★ 23 ## What do users think of MCTCU? Overall sentiment: positive **Pros** - 🚀 Fast and easy fund transfers - 👍 User-friendly app - 👍 Excellent customer service - 👍 Convenient for remote banking - 👍 Easy check depositing **Cons** - 🔒 Missing debit card lock option **Commonly reported bugs** - Payment system issues **Most requested features** - Password change frequency reduction ## Newest reviews (9 of 23) ### 5/5 — Password *2023-04-30, version 3.1.2* Have to change password too often ### 5/5 — Pay a friend *2022-03-23, version 2.39.0* I do not like the payment system. I prefer the old pay a friend as it was instantly payed to the receiving person. I do not use payment platforms such as cash app or PayPal so that’s why I have always used my MCT account and app to make payments. ### 5/5 — Easy to use and so convenient *2021-04-12, version 2.28.0* Great app. Great service. Great people ### 5/5 — Check depositing *2021-02-24, version 2.27.0* Great way to deposit checks when you can’t get to bank Warren Dale ### 5/5 — Mct *2021-02-13, version 2.27.0* Enjoy the service ### 5/5 — All employees *2021-02-11, version 2.27.0* Every one there is very professional ### 5/5 — Mct Ap *2020-09-13, version 2.22.0* This ap is very user friendly! ### 5/5 — Great people *2020-07-20, version 2.20.0* Great people to do business with makes transactions easy fast response boat number of cars,boats and other things financed thru them ### 5/5 — Easy 2 Use *2020-06-16, version 2.19.2* I love the new app for MCT. It saves me precious time. I use Touch ID so it is super easy to access. I check my balance, pay bills, and check transactions. ## Most critical reviews (10 lowest-rated) ### 1/5 — App Never Works. *2026-08-06, version 3.36.0* The app has been down for about a week now. This is a regular issue with MCT. I have had many occasions where I will go to check my finances and I can’t even get into the app. I am entrusting this app with my money and it is constantly bugged and impossible to get into, I am furious quite frankly and considering switching to a different credit union/bank at this point. ### 1/5 — Trash *2026-07-29, version 3.36.0* Always behind never accurate and just randomly glitches out and will kick you then freeze and not let you in. Horrible app 0/10 wouldn’t recommend. ### 2/5 — Where is lock option for debit card *2024-07-18, version 3.14.0* In today’s age the has to be a lock option for debit card where is it???? ### 4/5 — So far so good *2020-03-23, version 2.16.1* I like this app. Though I haven’t used all its features, It seems dependable and glitch free. Easy to navigate. ### 5/5 — MCT App *2026-04-29, version 3.26.1* Don’t know what I’d do without the App. It keeps me on top of my Account and keeps me from overdrafts and keeps me in the know of my account. I know just how much money I have in my account. So easy to stay on top of it. Don’t think I’ve had an overdraft since I’ve had the App. Love it!!!!Thank you MCT. ### 5/5 — Great! Easy *2026-03-27, version 3.26.1* I love this app!! ### 5/5 — Grateful *2025-12-11, version 3.26.1* I am so grateful that it is so fast and easy to transfer funds from my savings acct to my checking acct from my phone. It has made this holiday season so much easier and less stressful. ### 5/5 — MCTCU app *2025-10-31, version 3.26.1* This is a great user friendly app! ### 5/5 — Outstanding service *2025-04-21, version 3.22.0* Very easy to navigate the site! Even this old Cajun Dude can do it and I live 300 miles from the nearest branch! ### 5/5 — Deposit *2025-03-14, version 3.21.0* Great ## Most praised reviews (4 highest-rated) ### 5/5 — Deposit *2024-08-25, version 3.15.0* I live out of town and now my company is no longer doing direct deposit. This makes it easier for me to make my deposits ### 5/5 — People *2023-09-11, version 3.6.0* The people are excellent ### 5/5 — Thank you *2023-06-23, version 3.3.0* Your app makes banking remote easy ### 5/5 — Excellence *2023-05-03, version 3.1.2* No matter what day of the week or hour of the day I have found it all the employees that I have dealt with are all very capable of handling anything that I need done, and they are very helpful and polite. --- *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 2026-09-07.*