# MECU Mobile — user reviews > 74 indexed App Store user reviews of MECU Mobile by MECU of Baltimore, Inc., rated 4.77/5 from 7,695 ratings. - Source: https://appshunter.io/ios/app/mecu-mobile/id905045763/reviews - App overview in markdown: https://appshunter.io/ios/app/mecu-mobile/id905045763.md - Rating breakdown: 5★ 6,375 · 4★ 485 · 3★ 187 · 2★ 51 · 1★ 143 ## What do users think of MECU Mobile? Overall sentiment: negative **Pros** - 👍 Convenient mobile banking - 🚀 Quick and accurate - 🔒 Secure app - 💡 Great customer service - 👍 Easy to navigate **Cons** - 🐛 Slow app performance - 🐛 Unreliable app with frequent technical issues - 🐛 Check deposit feature not working properly - 🐛 Outdated user interface - 🐛 Lack of customer support **Commonly reported bugs** - Accounts unavailable for extended periods - Login and transfer issues - Mobile deposit not functioning as expected **Most requested features** - Integrate with Zelle - Provide credit score and credit report information - Allow external bank account transfers - Improve mobile check deposit process ## Newest reviews (13 of 74) ### 3/5 — App *2025-12-16, version 2025.10.1.3* I really like the Apps features but I am very disappointed that they got rid of the function to make member to member transfers through the app. It is time consuming and frustrating to have to go into the branch to make these transfers. It is not always convenient for me to go to a branch to make this transaction. ### 2/5 — Most useful App. *2025-12-02, version 2025.07* I love being able to see what’s going on in my bank accounts in real time. Someone had used my bank card & I saw it within a few hours. I called the card company & they were able to stop payment before it went through. It’s so convenient. It makes me wonder how I survived without it. ### 1/5 — Like time traveling to the 80s and not in a fun way *2024-01-25, version 2023.10.1.4* I’m only giving 1 star because zero stars isn’t an option. This is the absolute worst credit union/bank I have ever had the misfortune to use. My auto loan is through them, and I will be refinancing it to move it immediately. There is no way to pay a loan online or in app other than paying with a MECU account. There is no fuction for an external funds transfer. It won’t connect with other banks. They don’t accept Zelle for crying out loud - that should tell you enough right there. The only way for me to pay was to write a check to myself from my actual bank. Which they then proceeded to hold for over a week since it was a “new account”. I’m not writing a paper check to myself to mobile deposit each month just because MECU is stuck in the 1980s. The rep actually told me I could go in to a branch to make a deposit to be able to pay the loan every month. 0/10 would not recommend at all. ### 2/5 — Changes to mobile banking *2023-12-03, version 2023.3.0.1* After changes were made to the app, things seem a bit confusing ### 1/5 — Mecu *2023-11-08, version 2023.3.0.1* Bad deposit item ### 3/5 — It’s finicky *2023-07-17, version 2023.3.0.1* This app works when it wants. The mobile deposit won’t process the check no matter have many times you take a clear picture. Sometimes it won’t allow you to log in. ### 1/5 — Annoyed *2023-05-05, version 2023.3.0.1* This app is slow to deposit stuff that’s supposed to be quick deposits. ### 1/5 — Check deposit feature has issues *2022-12-27, version 2022.06.* Every time I try to deposit a check it gives me a message telling me to rotate the phone in order to capture a picture of the check. But when I rotate my phone nothing happens. The app doesn’t allow me to take a picture of the check. I usually have to close out of the app and try a few times before it actually lets me take a picture of the check. Please fix this. I know that it’s not my phone because I checked my settings and the app has access to my camera. ### 2/5 — Can’t Deposit Checks Anymore *2022-12-26, version 2022.06.* The app doesnt recognize that Ive rotated my phone to take a photo of the check i want to deposit and just sits on that screen. You have to force quit the app to get out of it. Very inconvenient around the holidays when im sure folks are getting checks as gifts … ### 1/5 — New card number and information *2022-12-13, version 2022.06.* Every since I got my new bank card. I keep receiving no MECU app installs or poor and unable information. MECU app is not on my Home Screen still. I done the right thing. The information I seen on the screen shows the old one not the new one when I puts in the card information. MECU is still not available online on my home page or with other sites. Terrible customer support and service. I should not be paying nothing for online services. December is terrible. ### 1/5 — Now can’t deposit checks *2022-12-08, version 2022.06.* The app now offers a walkthrough on features. How about where it says to rotate your phone to deposit checks and then does nothing. You can’t even get out of that screen without closing out the entire app. Now I can’t remotely deposit my checks. I hope this gets resolved I work remote freelance and don’t want to have to go in to an inconveniently located branch multiple times a week to get my money deposited. ### 1/5 — Photo to deposit does not work. *2022-12-07, version 2022.06.* Was working in in Nov than all of a sudden it does not work ### 4/5 — Lack of support. No customer service *2022-09-08, version 2022.4.0.1* No customer service support is provided on the web or via phone ## Most critical reviews (10 lowest-rated) ### 1/5 — TERRIBLE BACK *2026-07-30, version 2026.4.2.4* This bank is super unprofessional. Every branch that I went to and each time I’ve spoken with someone over the phone, they all have been very rude. Also, theres always issues with the app or issues with simple stuff like direct deposit verification. There’s not enough time for how much I have to say. Definitely taking my money and business elsewhere. All those bots giving “5star reviews” ain’t no way😂😂 ### 1/5 — This app needs an overhaul *2026-06-29, version 2026.01* This app is essentially useless as it offers little beyond taking up space on your mobile device. Compared to major banking apps, this app is buggy than most and is really only good for taking a quick look at your accounts. The user interface looks as outdated as it functions and in a modern time like what today brings, there should be no reason this technology can’t be improved upon. This app needs an overhaul. Overall the design makes the app look rather antiquated: like the developers did the bare minimum simply to get the app running while at the same time offering nothing for users beyond basic transactions. No Zelle. Setup for push notifications is complete garbage. Receiving notifications in a timely manner and at the same the user designates is equally and appallingly horrendous, as I’ll set a push notification for a balance check for Monday and receive it far later in the week if at all most times. Face ID sometimes doesn’t even work properly for this device. So again, either the developers didn’t care enough to build a quality app or just haven’t shown any tenacity or ingenuity in implementing better features or design for this credit union. It’s appalling that this is the quality members get for a banking app in 2026. Credit unions can tap into resources to offer quality products including technology (such as with this trash app) so to say that they can’t do better than this speaks more volumes than anything else on the ability of the developers to produce if that is really the case. User interface and design overhaul to allow for better implementation of features and access to services, are the basic things members are asking for. That isn’t hard to take time to do. Leave the bugs and excess on the cutting room floor so we can finally have an app worth using. That 4.8 star rating on the App Store is rather deceptive, all things in my review considered. Until an improved app is available here, I’ll stick to using the web version. Seems like more time is spent anyway on making the website look pretty than the app itself. ### 1/5 — Nice *2026-06-22, version 2026.01* Work ### 1/5 — Slow app *2025-11-15, version 2025.07* Slow app such as a turtle ### 1/5 — Online *2025-02-19, version 2024.10* Old need an update bad ### 1/5 — App does not work *2025-01-24, version 2024.10* I am rating this app one star due to ongoing issues with accessing my accounts. For the past month, I have been unable to view my accounts through the app or on the desktop. Initially, I assumed there was an update in progress, but after almost a month of persistent issues, it’s evident something is seriously wrong. Every time I log in I receive an error message stating “accounts unavailable” Upon contacting customer service at MECU, I was informed that my accounts are in good standing with no issues on their end. They created a ticket and escalated it to their in-house desktop techs, who unfortunately couldn’t resolve the issue. The problem was then passed on to the developers of the app who are still working to fix it. Apparently, similar issues have affected other customers, with resolutions typically within 48 hours. However mine has persisted for a month without any solution in sight. As a result I’m unable to access my accounts via the mobile app and desktop platform. I have resorted to using the telephone teller for account access, which is far from convenient. The entire point of having an app is convenience, but clearly, that concept was lost somewhere along the way. If I wanted to call in like it’s 1995, I wouldn’t have bothered downloading the app in the first place. This ongoing problem has been incredibly frustrating and severely impacts my ability to manage my finances conveniently. I hope the developers can address this issue promptly and restore full functionality to both the app and desktop platforms, as this ongoing inconvenience undermines the purpose of having these tools available. If this isn’t resolved soon, I will have no choice but to close my accounts and take my business elsewhere. ### 1/5 — Unreliable *2024-10-28, version 2024.4.0.10* This app is unreliable 90 percent of the time everytime I login it’s always a technical issue or error or they’re always updating this is such an inconvenience to not be able to use the app and every 3 months they want you to change your password I think this credit union is the only bank who makes you change your password so frequently its frustrating when you run out of passwords they need to do better with this app because iam about to delete it from my phone if I can’t access my account whenever I need to ### 1/5 — Bank Purposefully Makes It Hard to Pay Your Loan *2024-10-15, version 2024.4.0.10* The app is terrible. At first they made you transfer money from an external bank account to an MECU checking account, and then you can pay your monthly loan bill. Setting that up was really weird as it required setting up two timely automatic transactions and took several tries over the span of a two weeks. Then just recently, MECU stopped all automatic payments from your MECU checking because they switched their system to now being able to pay from your external bank account. So my automatic payments were stopped, I’m now late, and it’s taking forever to set up my new automatic payment from my external bank account to this MECU loan. This is all just terrible. ### 1/5 — Awful *2024-09-01, version 2024.4.0.10* This app is as bad as it gets, the information from the bank site doesn’t even transfer over to the app for my accounts. ### 1/5 — Account *2024-06-20, version 2024.1.0.1* Hello I’m a member of MECU Bank for years and have the mobile app on my phone it been a problem with the app senses last year trying to see my account. I would like some feed back on how to fix the problem. please respond back. ## Most praised reviews (10 highest-rated) ### 5/5 — Seniors *2026-08-03, version 2026.4.2.4* I’m 73yrs old and since my Daughter introduced me to this App since COVID, I’ve been using it. I find this a very useful & helpful since I no longer drive. This is App is accurate and secured. Thank you ### 5/5 — Great App *2026-07-31, version 2026.4.2.4* Top notch ### 5/5 — Hate it! Been hated it. And still do. *2026-05-18, version 2026.01* No good review from me. I’m mad at myself for still dealing with Mecu. But now that I’ve found better I will be transitioning to First Financial Credit Union. Had to find better before I could switch. ### 5/5 — App It’s so wonderful *2025-04-16, version 2025.2.2.3* Love the app. Great job keep up the good work. The app just makes things so much easier ### 5/5 — A+ *2024-08-02, version 2024.4.0.10* Best banking experience ever! Customer service is always friendly, polite, and willing to help. Nothing but positive experiences. ### 5/5 — It’s Ronald Matthews *2024-02-14, version 2023.10.1.4* Thank You MECU ### 5/5 — Great service and patient employees *2022-09-30, version 2022.4.0.1* Great service and patient employees ### 5/5 — MECU *2022-08-09, version 2022.4.0.1* MECU has been a blessing in my life. I belong to several other credit unions and MECU is by far the best !! ### 5/5 — Great *2022-02-15, version 2021.11.0.48* The App is great! The Credit Union service is of course also great. Good job on the App. Solid and secure. ### 5/5 — Troy Williams *2022-02-07, version 2021.11.0.48* Love this app !!!!Very convenient.. --- *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 2026-08-29.*