# Scott Credit Union — user reviews > 120 indexed App Store user reviews of Scott Credit Union by Scott Credit Union, rated 2.00/5 from 79 ratings. - Source: https://appshunter.io/ios/app/scott-credit-union/id1513405754/reviews - App overview in markdown: https://appshunter.io/ios/app/scott-credit-union/id1513405754.md - Rating breakdown: 5★ 16 · 4★ 0 · 3★ 4 · 2★ 5 · 1★ 54 ## What do users think of Scott Credit Union? Overall sentiment: negative **Pros** - 👍 Easy to navigate - 🚀 Efficient banking features - 💡 Useful new Express Pay option - 👍 Friendly and helpful customer service **Cons** - 🐛 Login issues and inability to reset password - 🐛 Inconsistent app performance and freezes - 🐛 Inability to see pending transactions - 🐛 Difficulty registering and accessing accounts **Commonly reported bugs** - Loan screen freezes halfway through - Registration process unable to locate user records - Constant prompts to re-login, even with device remembered - Disappearing transaction history and pending charges **Most requested features** - Ability to schedule recurring payments - Improved syncing with budgeting apps - Option to store login credentials for quick access - Restore ability to view number of ATM transactions ## Newest reviews (14 of 120) ### 2/5 — Car Loan Payment *2026-05-15* For the past 5 months I’ve been having the hardest time adding my new bank account so I can make my monthly transfer and pay my car loan ! It won’t let me add it , so I always have to go and use the swivel pay! Please help😡 ### 3/5 — I’m not loving it. *2025-10-23* This is the first review I’ve ever written on the Apple Store, and it’s because I truly love Scott Credit Union. I’m very grateful that they’re my bank for my auto loan. That being said, the recent major app updates have given me quite a few headaches — though I’ll admit, Express Pay has been a lifesaver. Every time I try to log in through my creditors, I get an error message. I’ve tried resetting my password just in case I was doing something wrong, but I never receive the reset email, even though SCU has confirmed multiple times that my email address matches their records. When I try logging in again, still an error. I’ve even tried registering again, thinking maybe I wasn’t signed up correctly, but then it tells me my email is already in use. Ugh! Thank goodness for Express Pay, even if I have to re-enter my information every single time. I’d rather do that than call in and pay the extra fee just because the app isn’t cooperating. On the bright side, the email confirmations after making a payment are clear and easy to understand. The app itself looks nice, but since I only have an auto loan, I don’t get to use all of its features to really see its full potential. My biggest issue is simply never being able to log in correctly or keep a card on file. Aside from that, I really do love SCU. I also noticed another review mentioning customer service. In my experience, 9 times out of 10, the customer service has been wonderful — the representatives are patient, kind, and genuinely sound compassionate and understanding. There was just one instance in my four years with SCU where I sensed a little irritation, possibly due to all the new app changes at the time. But overall, my experience with both the staff and the credit union has been great. ### 3/5 — Removed xtreem atm transaction count *2025-03-14* I’m a long time customer and used the extreme checking account to take advantage of higher returns. I used to be able to go to details to see the number of ATM transactions. We need 12 transactions to qualify for higher returns. Now we either go to a computer terminal to get the number of transactions or count them using the activity of the account on the app. **Developer response:** Thank you for being a long time member, and for your feedback. We appreciate you taking the time to share your experience. ### 2/5 — Recent Update *2025-03-05* I just updated the app and now I can’t access it. Keeps telling me wrong credentials. Please fix!! Update: 2 stars remain due to the frustration. I was finally able to access my account after the update. It would have been helpful to add a note that you have to register again in order to access. This was a poorly planned update from a customer perspective. Do better IT DEPARTMENT😏 Having said that, the new updates are good. **Developer response:** We apologize for the login issues after the update. Please visit [scu.org/digital-banking](https://www.scu.org/digital-banking/) for troubleshooting steps and make sure to click 'Register a New Account'. If you're still unable to access your account, our Member Contact Center at (618) 345-1000 can assist. We appreciate your patience as we work to resolve this. ### 1/5 — LOUSY! *2025-02-03, version 4015.2.1* It’s ALL LOUSY! The app & the customer service. On line it’s a mess… I’m not sure how they can provide any service! Customer Service: On hold for almost 3 hours… and holding. Online service: you can’t see the words your are typing then the text box disappears altogether.. the agent online was no help either… The APP: does not have the information available to match your account. Just error messages… Just a shame! ### 1/5 — New app won’t let me register to pay my car loan *2025-02-03* The new stupid digital app says it cannot locate my information to complete the registration. Therefore I cannot pay my car loan. Even tried using the pay from another bank option which says it has a connection problem to swivelpay. Had no issues with the previous app. **Developer response:** We’re sorry to hear you’re having trouble with the new digital banking app, especially when trying to make your car loan payment. We understand how frustrating this must be, and we appreciate you bringing it to our attention. We want to resolve this for you as quickly as possible. Please reach out to our support team at executivemanagement@scu.org so we can troubleshoot the registration issue and ensure your payment is processed without further delay. Your feedback is important, and we’re committed to improving your digital banking experience. ### 1/5 — This credit union is falling off *2025-02-03* I’m getting tired of how slow this bank is. I’ve usually been positive with this place, but it’s wearing my patience thin. The only evidence of my pending payment to the credit card is a snap shot I took. I’m getting nervous because the money’s already gone from my account but not showing even as a pending payment. The bank has not emailed me a receipt for confirmation. I also recently paid my loan completely off and similarity lacking receipts of email. There’s no evidence the loan existed on my account. Records matter. Prompt service matters. The hold on a check that should have been cleared last week matters. Keep screwing with my money, access, and records and you will lose a decades long customer. **Developer response:** We apologize for the frustration and inconvenience. We would love to reach out to help resolve. Please send us an email to: executivemanagement@scu.org. ### 1/5 — does not work *2025-01-31, version 4015.2.1* cannot even log in ### 1/5 — Please stop. *2025-01-31, version 4015.2.1* Every time you guys change something ‘for the better’, I get locked out of my account. I can’t see what’s in my account and I HAVE RENT DUE SOON! Are you KIDDING ME? ### 1/5 — Worse than before… *2025-01-30, version 4015.2.1* The system won’t even recognize me now - not with my correct username and password, not by my email, not by my debit card number, and not by my SSN. I tried calling yesterday around 3:30pm to get help, and chose to have someone call me back after I was on hold for 20 minutes, but I’m still waiting. I called again and it says I’m still in the queue for a call back… ### 1/5 — AWFUL new system *2025-01-30* I don’t know what they decided to do with this app but it’s ridiculous, says it can’t find my account even though I obviously have one. Will probably switch banks to one that’s less of a ridiculous hassle **Developer response:** We apologize for the frustration and understand how important it is to have seamless access to your account. If you're experiencing login issues, please visit [scu.org/digital-banking](https://www.scu.org/digital-banking/) for troubleshooting steps. If the issue persists, our Member Contact Center at (618) 345-1000 is available to assist. We appreciate your patience and feedback. ### 2/5 — why take away face id with the new update? *2025-01-30* for whatever reason, they thought it’d be a good idea to take away Face ID? Now everything is super glitchy, and I can’t even even login into my account. If it’s not broke, don’t fix it…. This is ridiculous. **Developer response:** We understand your frustration and apologize for the inconvenience. If you're experiencing login issues, please visit scu.org/digital-banking for troubleshooting steps. While some features may have changed with the update, we are monitoring feedback and appreciate your input. If you need further assistance, our Member Contact Center at (618) 345-1000 is available to help. ### 1/5 — Changes once a year *2025-01-30, version 4015.2.1* Scott credit union absolutely fails with this app. It is infuriating I have my username and password written down and every-time I try to login it says “wrong credentials” but sometimes I can log into the website using same credentials. Further more if you hit forgot password or username it can’t find my account and I know I didn’t forget my Birthday, SSN and my email since they email me nonstop. Additionally they change the app almost yearly, I’m sure it’s to avoid bad reviews like this one. Trust me there are better banks out there! SCU is a company that you can’t contact when things go wrong. ### 1/5 — 1 star *2025-01-30, version 4015.2.1* Just a bad bank overall. Too many complaints to list. ## Most critical reviews (10 lowest-rated) ### 1/5 — SCU mobile App *2026-05-05, version 4021.0.2* By far probably one of the worst mobile banking apps out there better off having a safe and forgetting the combo then not being able to access your accounts ### 1/5 — There’s a bug *2025-06-08, version 4017.1.1* Every time I try to go through the loan screen it freezes half way through ### 1/5 — New app won’t let me register to pay my car loan *2025-05-29, version 4017.1.1* The new stupid digital app says it cannot locate my information to complete the registration. Therefore I cannot pay my car loan. Even tried using the pay from another bank option which says it has a connection problem to swivelpay. Had no issues with the previous app. **Update 05/28/25, app still won’t let me register to access my account for my car loan payment. Says I need to register. When trying to register app still says “We are unable to locate your record based on the information you provided. Please try again.”. ### 1/5 — Not a fan *2025-03-05* This app is not so great! It has issues for sure. It displays my account balances as soon as I tap on the app without allowing me to login. Once I tap on my account, the app then goes to the login screen after my information has been exposed. I’m sure I can hide my accounts but I shouldn’t have to if this wasn’t an issue. **Developer response:** We appreciate your feedback and understand your concerns. We understand how important security and privacy are when using the app. Your feedback is valuable, and we appreciate you bringing this to our attention. ### 1/5 — Update ruined everything *2025-02-20, version 4015.2.1* Thanks to the outage and delay I don't have any money in my account and now I can't pay my billa. Thanks a lot! ### 1/5 — New app new problems *2025-02-14* Recently the app was updated and while once you are inside the app it seems like a more slick experience the login experience is a step backwards. I am constantly prompted to log back in and the app doesn’t remember my device even though the box is checked. A missing feature is the pin option to store credentials and log in quickly. Having the only options for stored log in being biometric is a major disappointment. **Developer response:** Thank you for your honest feedback. We know a smooth login experience is just as important as the app’s functionality, and we appreciate you bringing this to our attention. We’re always working to enhance the user experience. ### 1/5 — Frustrating *2025-02-10* Ever since the old app was replaced and required me to re-register as a new user, my budgeting app will no longer sync with SCU’s data. The budgeting app engineers say it’s an issue on SCU’s end and have been working to fix it with them, but no success. **Developer response:** We apologize for the inconvenience you're experiencing with syncing your budgeting app. We understand how important it is to have seamless access to your financial data. While some third-party apps may need to update their connection with our new platform, we recommend reaching out to our Member Contact Center at (618) 345-1000 for further assistance. Thank you for your patience as we continue monitoring for improvement opportunities. ### 1/5 — 🥔 *2025-02-07, version 4015.2.1* 🤨 ### 1/5 — Unprofessional and Inconsiderate Rollout of New App *2025-02-05* Scott Credit Union notified members that a new application was being rolled out but what they failed to mention was that the new system would disable access to user accounts on desk top systems for people that use security systems on desk top computers. It was likely not intentional but they are forcing members to use this “less than great” app to access their accounts. Apparently the management of SCU along with the system developers forgot to adequately consider interoperability issues. **Developer response:** We appreciate you taking the time to share your concerns. We understand that transitioning to a new system can be frustrating, and we apologize for any inconvenience caused by the rollout. Our goal was to enhance security and provide a more seamless banking experience, but we recognize that some members have encountered unexpected access issues. We value your feedback and want to ensure that you can access your accounts without difficulty. If you are experiencing issues with desktop access, please reach out to us at executivemanagement@scu.org, and our team will be happy to assist you. Thank you for your patience as we continue to improve our digital banking experience. ### 1/5 — Horrible New Update *2025-02-04* Before the app was updated the app was fast and efficient. Now it is so hard to navigate and read. Charges aren’t pending like they used to and charges from three weeks ago are just now coming out. The only good this is you can no upload checks through the app. If I could give it a 0/5 stars I would. Myself and many other SCU account holders have talked about finding a new bank because of this. Horrible new update. **Developer response:** We appreciate your feedback and understand how frustrating these changes have been. While the app update was designed to enhance security and functionality, we understand that adjusting to a new app can take time. If you have specific concerns, we’d love the opportunity to assist you. ## Most praised reviews (10 highest-rated) ### 5/5 — Great App *2026-03-31* Loving the update to the mobile app! Super easy to navigate and check balances. **Developer response:** Thank you for your feedback! We're so glad to hear you're enjoying the new mobile app and finding it easy to use. If you ever have any questions or suggestions, feel free to let us know. We appreciate your support! ### 5/5 — You have a customer for life! *2025-07-07* I had to call customer service for help to log back into my account, because I hadn’t been on since the new update. They were so helpful, very patient with me and made sure I was back up and running. I downloaded the app as well, and it’s so easy to navigate. Keep up the AWESOME CUSTOMER SERVICE SCU! **Developer response:** Thank you for the 5-star review! We appreciate your support and are glad you had a great experience! ### 5/5 — Way better than the old app *2025-02-08* Once you’re logged in the new app clears the old app in all aspects. Much easier to manage my accounts now, especially with transfers and debit card access. I like how I can control everything from my phone unlike before. Great upgrade. **Developer response:** Thank you for your 5-star review! We're thrilled to hear that you're enjoying the new app and finding it easier to manage your accounts. Enhancing convenience, security, and functionality for our members was our top priority with this upgrade. We appreciate your membership and your feedback! ### 5/5 — Great improvement! *2025-01-31* Works as it should, followed the instructions to a T and it was so simple! Love it!! **Developer response:** Thank you for your feedback! We're glad to hear the process was smooth and that you're enjoying the app. We appreciate your support! ### 5/5 — Best App Ever! *2025-01-31, version 4015.2.1* The new app is the BEST. Thank you for upgrading to a great member experience! ### 5/5 — What happened *2025-01-30* This new update won’t let me log into my account, it keeps saying I have the wrong credentials but I know I don’t. **Developer response:** We apologize for the login issues after the update. Please visit [scu.org/digital-banking](https://www.scu.org/digital-banking/) for troubleshooting steps and make sure to click 'Register a New Account'. If you're still unable to access your account, our Member Contact Center at (618) 345-1000 can assist. We appreciate your patience as we work to resolve this. ### 5/5 — The New Mobile App Rocks! *2025-01-29* I recently downloaded the app and I have to say, the registration process was a breeze! The customer service team was incredibly helpful, guiding me through everything step by step. Once I was in, I was really impressed with the design and navigation—it's super intuitive and easy to use. I love all the new features, and they’ve definitely made the overall experience better. Happy to be a SCU member! **Developer response:** Thank you for your positive feedback! We're thrilled to hear that the registration process was smooth and that you’re enjoying the new design and features. Our team is always here to help, and we appreciate you being a valued SCU member! Let us know if you ever need anything. ### 5/5 — Great new app! *2025-01-28* Loving the update to the mobile app! Super easy to navigate and check balances. **Developer response:** Thank you for your feedback! We're so glad to hear you're enjoying the new mobile app and finding it easy to use. If you ever have any questions or suggestions, feel free to let us know. We appreciate your support! ### 5/5 — Easy to navigate *2025-01-13, version 4.0.5902* This app is very easy to check your funds, transfer, even manage auto bill payment. I have three different banks and SCOTT is my favorite. ### 5/5 — Great app *2024-12-31, version 4.0.5902* Always love using this app!! --- *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.*