# MSEFCU Mobile — user reviews > 54 indexed App Store user reviews of MSEFCU Mobile by Merced School Employees Federal Credit Union, rated 4.80/5 from 6,298 ratings. - Source: https://appshunter.io/ios/app/msefcu-mobile/id1380368726/reviews - App overview in markdown: https://appshunter.io/ios/app/msefcu-mobile/id1380368726.md - Rating breakdown: 5★ 5,741 · 4★ 333 · 3★ 96 · 2★ 31 · 1★ 97 ## What do users think of MSEFCU Mobile? Overall sentiment: negative **Pros** - 👍 Convenient and easy to use - 💖 Great app and service - 🚀 Accessible and simple - 🤑 Fantastic banking experience **Cons** - 🐛 Syncing errors and reliability issues - 🕰️ Delayed transaction updates - 🔍 Difficult to view account details - 🤯 Frustrating app experience **Commonly reported bugs** - App deleted from device - Login and password issues - Incorrect account balance display - Maintenance downtime problems **Most requested features** - Improve mobile deposit process - Add ability to view credit card transactions - Provide more detailed transaction history - Enhance app responsiveness and reliability ## Newest reviews (11 of 54) ### 3/5 — Why so many issues?? *2026-02-01, version 3.30.2* The biggest issue I have with this app, is pretty much the “issues” this app has every night. I should be allowed to access my app at night but it always pops up with an error and won’t update my funds accurately or even let me transfer money between my checking and savings accounts. It’s super annoying. ### 4/5 — MSEFCU *2025-02-07, version 3.19.0* Great place. Greater and v. knowledgeable folks there to help!! ### 5/5 — Ciao Baby *2025-01-10, version 3.18.0* Best CU or bank in the country! 54 years a member and still alive and looking forward to the next 54. ### 4/5 — Delayed *2025-01-02, version 3.18.0* I find that the app doesn’t update right away, sometimes I have to wait for a day or two to have my balance updated. ### 5/5 — Customer service *2024-12-29, version 3.18.0* Thank you for all you do for me. Always so helpful and go above and beyond for my financial needs. Merry Christmas and a happy new year to all the staff. ### 5/5 — Love *2024-11-27, version 3.18.0* I love my bank! 😎 ### 5/5 — Mobile deposit needs improvements *2024-09-13, version 3.16.0* Used to be able to see deposit pending or posted for mobile now unable to see that information anywhere. Would like to know if the deposit actually went through or not. ### 5/5 — I love this! *2024-06-22, version 3.13.0* Super convenient ### 5/5 — Updates *2023-05-12, version 3.2.0* Not updating status with up to date information. Usually 2-3 days behind. ### 5/5 — Great for the basics. *2023-05-10, version 3.1.2* Great for the basics. Easy to use. ### 5/5 — Check deposit *2022-08-20, version 2.44.0* I totally enjoy being able to deposit a check through the online app. It makes it so convenient especially with the gas prices being so high right now. Thank you ## Most critical reviews (10 lowest-rated) ### 1/5 — Newest update doesn’t let you log in *2026-06-19, version 3.35.0* There is no way to log in. I can’t put in my password number because the password prompt does not show up ### 1/5 — App doesn't work now *2026-05-29, version 3.28.0* Cant use the app any more. required to update just to check my bank. Can't update. Useless. ### 1/5 — Transaccions *2026-05-02, version 3.33.0* The app does not update in real time and does not give visibility to credit card transactions It’s pretty bad ! ### 1/5 — Credit card *2026-03-03, version 3.30.2* I would want to be able to see my credit card transactions on my MSEFCU mobile app for that I give a 1 star ### 1/5 — Fix syncing error bug *2025-09-29, version 3.27.0* The app has so many syncing errors that make it where you can’t transfer money from Savings to Checkings. And it’s not just my account. When the app has a user has a sync error, every MSEFCU user has the error too. My coworkers in the school district will text each other saying “I can’t transfer money again…” and we’ll all check and see that it impacts us too. Why is this bug not fixed after years of it being an issue? ### 1/5 — Syncing error *2025-03-01, version 3.20.0* Every time I’m in line at a store I’m playing card declined roulette. Like 10% of the time the app doesn’t let me transfer money from my checking to my savings. Horrible reliability. ### 1/5 — Terrible *2024-08-25, version 3.15.0* My bank app was deleted off my iphone and now I have to go into the App Store to look at my banking and I cannot get my bank app on my phone. ### 1/5 — Won’t update *2022-10-01, version 2.45.1* Ever since the app update it hasn’t updated my purchases. Wth what’s the point of have my account in my pocket if I can’t quickly see!!! ### 1/5 — Transactions not accurate *2022-09-25, version 2.45.1* It does not update transactions. There’s always a bunch pending and the balance is incorrect! Frustrating. I am also never able to login online. It makes me reset the password & when I do it tells me there’s an error & to try again. I even deleted the app. It should work more accurately. ### 1/5 — Review *2021-12-20, version 2.37.0* Print too small and my iPhone cannot enlarge it ## Most praised reviews (10 highest-rated) ### 5/5 — Love it *2026-06-25, version 3.35.0* Love the fact am able to do this. However, I wish funds were available quicker. ### 5/5 — Best *2026-05-26, version 3.34.1* I’ve been with this Bank since it was only in Merced I was 19 years old. I’m now 64 still with the same Bank love this Bank. ### 5/5 — Super convenient *2026-03-18, version 3.32.0* Super easy to use and very convenient Thank you for this app ### 5/5 — Mobile *2026-02-28, version 3.30.2* Awesome service!! ### 5/5 — Best bank *2026-02-26, version 3.30.2* Super easy to use and convenient. Love it here!!! ### 5/5 — Great app! *2026-02-19, version 3.30.2* Works perfectly! ### 5/5 — Five Stars *2026-02-13, version 3.30.2* It’s very easy to do transactions in this bank and it’s always available to check my balance and transactions. ### 5/5 — Excellent App *2026-02-09, version 3.30.2* Absolutely love this app, love the convenience of it, being able to monitor my accounts from my phone and the tellers are always available to answer questions right away. Highly recommend this app to everyone! ### 5/5 — Great bank *2025-12-30, version 3.30.0* Great bank to do business with. Helpful staff all the time! ### 5/5 — Simple *2025-12-02, version 3.29.0* It really helps me with paying my bills and keeping an eye on accounts to transfer when needed for automatic payments. --- *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 2026-09-05.*