# Ocean State Credit Union — user reviews > 24 indexed App Store user reviews of Ocean State Credit Union by Ocean State Credit Union, rated 4.70/5 from 750 ratings. - Source: https://appshunter.io/ios/app/ocean-state-credit-union/id603243242/reviews - App overview in markdown: https://appshunter.io/ios/app/ocean-state-credit-union/id603243242.md - Rating breakdown: 5★ 630 · 4★ 77 · 3★ 20 · 2★ 3 · 1★ 20 ## What do users think of Ocean State Credit Union? Overall sentiment: mixed **Pros** - 🚀 Easy money transfers between accounts - 📱 Mobile check deposit functionality - 💰 Real-time balance visibility - 👍 Simple and intuitive user interface - ✅ Reliable performance with minimal glitches - 🔍 Transaction tracking and history - 🏧 Surcharge-free ATM locator **Cons** - 💸 Excessive transfer fees - 💸 High overdraft fees ($30) - 💸 Unexplained maintenance fees ($5/month) - ⏳ Notifications only work when app is open - 🔄 Limited payment method options - ⏳ Pending transactions not visible - 🔄 Missing Apple Pay/digital wallet support - 📊 No running total for transactions - ⚠️ Outdated compared to competitors **Commonly reported bugs** - Unable to view credit card accounts on iOS - Transfer function displays error messages - Suspicious security alerts about stolen checks - Auto-capture too sensitive to motion - Application errors preventing transfers - Email notifications require app login to function **Most requested features** - Pending transaction visibility - Running total for account transactions - Apple Pay and digital wallet integration - PIN authentication option instead of password - Electronic payment acceptance - Push notifications that work without app login - Credit card account access on iOS ## Newest reviews (4 of 24) ### 5/5 — Great update *2013-10-14* This update makes the app really feel up-to-date with iOS 7. All that's missing now is the option to use a PIN rather than typing your password every time. ### 5/5 — Fantastic app...easy to use! *2013-09-30* Could not be simpler...works great with no glitches. ### 5/5 — Long overdue!! *2013-03-29* What can I say. This app is way overdue. I will be honest I was actually looking into other banks because they had an online app. I am always on the go so this is a big plus to have an app at my fingertips now. I just used it for the first time and it worked perfectly Thank you CCU...two thumbs up!! ### 5/5 — Finally! *2013-03-26* I've been waiting for this app a long time. I've been checking for it periodically. Was I surprised to finally see it! Seems to work great and does everything I need it to do. I never knew there were so many ATMs surcharge free nor did I know where they were. Now I do. ## Most critical reviews (10 lowest-rated) ### 1/5 — Glitches *2026-06-30, version 2026.01* Try to open app and it returns to home screen. Takes several attempts before it goes to site. ### 1/5 — Trash *2026-06-14, version 2026.01* Keeps crashing ### 1/5 — Bugs in app *2024-05-22* Unable to view my credit card account from iOS, must access from a computer and no way to report issues through the app ### 1/5 — Application error *2020-07-12* Every time I need to transfer $ the noble app says that it cannot display my information at this time also it says checks stolen ask for I’d over my checking account??!! What’s up with that ### 2/5 — Crashes upon login *2026-06-27, version 2026.01* Now crashes upon login, has been doing so for around 2 months. Worked perfectly previously ### 3/5 — Money *2025-05-15* U guys charge for transfers way to much it’s sick ### 3/5 — Pending transactions *2024-12-31* It’s 2025 we should be able to see transactions that are pending ### 3/5 — Payment *2022-03-10* I’d be happier if they accepted electronic payments. ### 3/5 — Nothing special *2018-01-13* This app is fine but it is nothing more than mediocre. It covers the basic needs of checking your balance, transferring funds, etc. but it seems to me that OSCU (formerly CCU) is still behind the times when it comes to online banking. I still can’t use my debit card with my Apple Pay account and that is pretty frustrating. ### 4/5 — Great *2024-12-12* Update 12/2024: I only get the email notifications if I log into the app, which defeats the purpose of selecting to be notified when large deposits or debits occur. Very annoying. App works great. All I'd like to see added is a running total when looking at the account transactions. ## Most praised reviews (10 highest-rated) ### 5/5 — Those over withdraw fees OSCU… *2022-01-08* I’ve been with OSCU since I first had a checking account because other banks were to expensive. Unfortunately this one has turned into those banks that are to expensive haha. 5$ a month for a maintenance fee but no one can tell me what exactly that’s for…yes I get “maintenance” but what is this maintenance I’m paying for. I don’t want it haha. then 30$ if you get an over withdraw…30…Doll Hairs. During COVID they made a ton of money off me, that’s depressing to think about. But luckily out of the ridiculous amount of money they made off me financially struggling during a pandemic I was able to reverse just 1, yes just one 30$ over withdrawal fee. I guess you can do this 1 time a year. Yippie!! So I went to citizens hahaha. They stop a charge before it over withdrawals. Luckily my business is back up and running and I’m making great money again, investments are through the roof. Thanks Citizens!! ### 5/5 — Auto capture *2021-06-02* The auto capture is much to sensitive to motion. ### 5/5 — Makes life easier *2021-01-16* I’ve this app and use it all the time. From transferring money between accounts, mobile check deposit, and up to date balances, this app makes my life so much easier! ### 5/5 — Simple and quick *2019-04-05* Does all the basic functions you need on the go! ### 5/5 — Awesome ! *2017-04-15* The app is great I love being able to track my transactions this way ! Super easy to transfer money to and from accounts I love it! Main reason I didn't switch banks ! ### 5/5 — Mgtrucker72 *2015-04-28* Luvvv this app!!!! ### 5/5 — CCU App *2014-10-18* Much easier to access.. Thumbs up!!! ### 5/5 — Love This App *2014-07-17* This app always runs well! Never glitches and does exactly what it's set to do! ### 5/5 — CCU *2014-04-28* I really love this app. It's great when I'm out on the road, I can look up my available funds and transfer if I need too. ### 5/5 — Great *2013-12-20, version 3.5.2.0* App works great. All I'd like to see added is a running total when looking at the account transactions. --- *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 2026-09-06.*