# SCFCU Mobile — user reviews > 28 indexed App Store user reviews of SCFCU Mobile by St. Cloud Financial Credit Union, rated 4.80/5 from 3,221 ratings. - Source: https://appshunter.io/ios/app/scfcu-mobile/id771126325/reviews - App overview in markdown: https://appshunter.io/ios/app/scfcu-mobile/id771126325.md - Rating breakdown: 5★ 2,815 · 4★ 336 · 3★ 55 · 2★ 4 · 1★ 11 ## What do users think of SCFCU Mobile? Overall sentiment: positive **Pros** - 👍 Ease of use - 👍 Reliable and fast - 👍 Helpful staff - 🚀 Convenient mobile features - 🔒 Secure banking **Cons** - 🐛 Login issues - 🐛 Slow app performance **Commonly reported bugs** - Mobile check deposit not working consistently - App crashes and shows black screen **Most requested features** - Bring back 6-digit code login option - Add check image viewing in app ## Newest reviews (16 of 28) ### 5/5 — Financial management family *2024-01-05, version 4011.1.0* This is and will continue to be my favorite place to store my funds. I’ve tried them out personally as well as with a business account, and they have yet to let me down! Staff members are incredibly friendly and helpful! If now is not the ideal time for financing, they’ll save you an unnecessary hard pull by informing you of your qualifications ahead of time and work with you to prepare for lending. I could sing their praises all day long! Thank you, SCFCU staff!! ✨ ### 5/5 — Best credit union in the whole United States *2023-12-28* I have had The wonderful Opportunity to work with all of the people at the Saint cloud financial credit Union. I’ve been with them since I was 18 years old Mary was the first person to work with me many moons ago and she thought me about credit, and what that meant! Since then, I have met many many other super hero people who work for the credit union Mary, Sandy, (Christina one of my favs) I've had the amazing gift of meeting most of the tellers and financial Super Heros! I can’t thank Bob enough he’s been a great contributor to my of the importance of my future financially Thank you Bob! With Great Gratitude to SCFCU JULIE WHALEY ### 5/5 — Good workers *2023-02-02, version 4005.5.0* I like the help I get when I need it. ### 5/5 — This app is incredible! Makes checking and transferring balances incredibly easy *2022-12-27, version 4005.5.0* Such a great tool ### 5/5 — Still a small bank feeling. *2021-11-07, version 3020.1.1* The personnel are always ready to help under any condition. They know their jobs. Always feel welcome when I do business there. This bank is way over big bank business. ### 5/5 — Best Bank Ever!! *2021-11-05, version 3020.1.1* I have been a member for over 15 yrs. I have used other banks as I don’t even live near this bank anymore and no matter where I go there is no bank that can match this one. Their policy’s, procedures and Customer service outweighs every other bank I have ever done business with. Thank you ### 5/5 — More then a bank! *2021-07-31, version 3019.0.0* SCFCU has been a place that has given me a real opportunity to work with them! Other places focused only on my credit score, and not the entire picture. They have allowed me to prove that I can be trusted, and supported for my financial needs. I only envision a bigger relationship moving forward! ### 5/5 — Fiiiiinally here!!!! *2021-04-09, version 3017.0.0* Yes!!!! It’s finally here! So so glad you got the new app. Thank you! Just love the credit union even more now! If you could add the picture of checks to the app that would be great! ### 5/5 — The Best! *2021-02-27, version 3015.3.2* The staff is always so helpful 👍 ### 5/5 — John kushman *2020-10-28, version 3015.0.0* I love this. It is a checkbook in my phone. It is reliable fast and I miss nothing, it is all on my screen. And it is so great to deposit checks into it also, fast quick and done. And get copies of cleared checks and updates in my credit score My truck loan, I want to begin making additional payments, and my current balance is right there I have no ideas or suggestions to make it better. Well done!! ### 5/5 — Mobile Deposit Issues *2020-08-28, version 3014.2.0* Mobile check deposit has been an ongoing struggle. Consistently telling me it’s unable to process and to contact for further information. Frustrating! ### 5/5 — App Update *2019-10-16, version 3010.2* Now that the update is installed, the app is way faster and more user friendly. Even has Snapshot and Touch ID for iPhone users. ### 5/5 — Slow *2018-01-18, version 17.1.0* This app is not laid out well, and is extremely slow. Every time you click on something the wheel pops up for a bit before it loads. ### 5/5 — Thank you to the Federal Credit Union! *2015-06-26, version 15.1.0* This App is so complete! I work at home with my Preschool/Childcare The Little People’s Place…for the past 39 years. I have banked with the St. Cloud Federal Credit Union for the past 48 years… since I was 12 years old.. I feel bad I don’t stop in and see the employees - because I now can do almost all my banking via my iPhone or iPad right at home. It is so completely safe and secure. I even do my weekly deposits by simply taking a photo of the front and back of my checks. and Whoosh… deposited safely… So, again,,,,, thank you St. Cloud Federal Credit Union for being ahead of the times…. and making my banking needs so easy to do! God Bless! ### 5/5 — Awesome update *2014-12-17, version 14.2.0.0* The newest update is very sleek and easy to use! Huge upgrade makes it easy to check balance and recent transactions. ### 5/5 — Liking it so far :) *2014-02-17, version 13.1.2.1* Signed in with existing online access info, quick and easy interface. ## Most critical reviews (10 lowest-rated) ### 1/5 — Listen to us please *2019-07-15, version 17.1.0* We REALLY need an easier way to login. Half the time it says incorrect password. And then an hour later it’ll let me login. Please fix. 🙏🏻🙏🏻🙏🏻 ### 1/5 — App crashes and sends a black screen *2017-07-19, version 17.1.0* not a very good app as I can't log in to my account without the app being taken over by a black screen that doesn't load or the app itself crashing. please fix this as it's tiring to have to open your whole website on safari each time I need to check my account or transactions. ### 5/5 — Service and Value *2026-08-05, version 4022.0.0* Staff always helpful with a smile. Best loan rates and interest earning accounts around. No contest compared to other banks hence why we switched to SCFCU. ### 5/5 — Great app! *2026-07-06, version 4021.1.3* We have banked with Scfcu for many many years & I have never had a problem with their services! We only bank with them & this app makes that simple. I can link outside accounts, see balances & pay them all within this app. ### 5/5 — Friendly Service *2026-07-03, version 4021.1.3* Time after time, the consistency of friendly and personal service does not go unnoticed. Thank you.! ### 5/5 — Good kind workers *2026-05-31, version 4021.0.2* Every time I go in they are ready to help me understand what has bothered me. ### 5/5 — Best credit union in the whole United States *2025-02-05, version 4016.0.1* I have had The wonderful Opportunity to work with all of the people at the Saint cloud financial credit Union. I’ve been with them since I was 18 years old Mary was the first person to work with me many moons ago and she thought me about credit, and what that meant! Since then, I have met many many other super hero people who work for the credit union Mary, Sandy, (Christina one of my favs) I've had the amazing gift of meeting most of the tellers and financial Super Heros! I can’t thank Bob enough he’s been a great contributor to my of the importance of my future financially Thank you Bob! With Great Gratitude to SCFCU JULIE WHALEY ### 5/5 — Phone *2024-08-05, version 4013.2.0* Understand read display phone ### 5/5 — 6digit code *2024-06-08, version 4013.0.2* I always used the 6 digit code to get into my account now I don’t have that option, why was it taken away? It was so convenient. ### 5/5 — Ease of use *2024-04-14, version 4012.2.0* This app is so easy to use and manage all my banking needs. ## Most praised reviews (2 highest-rated) ### 5/5 — John kushman *2024-02-25, version 4012.1.0* I love this. It is a checkbook in my phone. It is reliable fast and I miss nothing, it is all on my screen. And it is so great to deposit checks into it also, fast quick and done. And get copies of cleared checks and updates in my credit score My truck loan, I want to begin making additional payments, and my current balance is right there I have no ideas or suggestions to make it better. Well done!! ### 5/5 — Account holder *2024-02-05, version 4011.1.0* I’ve had SCFC for 23+ yrs and I’ve moved multiple times and I would not change to any other bank. I Love SCFC --- *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 2026-09-04.*