# Seattle Credit Union — user reviews > 124 indexed App Store user reviews of Seattle Credit Union by Seattle Metropolitan Credit Union, rated 4.60/5 from 7,813 ratings. - Source: https://appshunter.io/ios/app/seattle-credit-union/id808400489/reviews - App overview in markdown: https://appshunter.io/ios/app/seattle-credit-union/id808400489.md - Rating breakdown: 5★ 6,356 · 4★ 724 · 3★ 280 · 2★ 119 · 1★ 334 ## What do users think of Seattle Credit Union? Overall sentiment: negative **Pros** - 👍 Convenient app features - 🔒 Reliable security - 💡 Useful mobile deposit - 🚀 Functional and easy to use **Cons** - 🐛 Slow and glitchy performance - 🐛 Frequent crashes and bugs - 🐛 Unreliable login and navigation - 🐛 Lack of key features (e.g. credit card transaction view) **Commonly reported bugs** - Inability to view check images - Inconsistent behavior with external transfers - Frequent network connection errors - Delayed transaction updates and balance display **Most requested features** - Landscape mode support for tablets - Improved transaction history and categorization - Faster and more reliable mobile deposit - Better account management and card controls ## Newest reviews (11 of 124) ### 2/5 — Rate app *2026-04-11, version 25.1.2* You need to take a look at banks and credit cards companies an take notes to better your services , it’s outdated & a lot of issues at times. Step up your digital world ### 2/5 — Forced Portrait orientation is frustrating *2025-10-19, version 24.2.3* The app forces portrait orientation has been a source of frustration. I use an iPad with a magic keyboard, which means I am using landscape mode. Of the dozens of apps I use, this is the only app which forces portrait orientation. ### 4/5 — Good bank, Card control a little funky *2025-09-29, version 24.2.3* I wish it was easier to see which account your card is tied to, see the reason for why a charge was denied, approve a charge when it’s denied real-time, or switch the card to be linked to a different account. ### 3/5 — Making payments *2025-09-17, version 23.2.7* I’m still having a hard time making payments to my credit card through the app, other than that it’s been fine so far ### 4/5 — Not the best. *2025-09-02, version 23.2.7* The website version actually has more options. ### 5/5 — Customer *2025-02-26, version 23.2.7* Customer service very well ### 5/5 — Reliable *2025-02-13, version 23.2.7* This is our primary banking source even though we live out of state. We’ve been members for over 50 years and will continue for lots more!! Thanks SCU for your service and support over the years! ### 5/5 — Functional and easy to use *2025-02-12, version 23.2.7* It’s a convenient app with mobile deposit, Zelle, and the ability to check and transfer balances. I really appreciate Seattle CU as a credit union! ### 2/5 — App not working *2025-02-07, version 23.2.7* App works maybe half the time. It just says I have no transactions in the last 30 days. Have no idea what’s going on with it. The actual bank website often doesn’t load transactions as well?? ### 3/5 — Problemas con depósitos directos *2025-02-06, version 23.2.7* Mi depósito directo no aparece Justo en la fecha que es sino un día después , también la aplicación no está en español cosa que muchas veces dificulta entender ### 5/5 — Love SMCU, Love the app! *2025-02-05, version 23.2.7* If you are sick of big banks — and even big credit unions that are starting to act like big banks — you really should give Seattle Credit Union a try. Even if you don’t live next door to a branch, you can pretty much do everything you need to on the website and app. Over the years SMCU has gotten more and more of my financial business. There are little things here that they do that no one talks about — but are very important. Interest rates are always a bit lower on loans and car payments. You can actually send a message to the underwriters if there are extenuating circumstances — and actually get results. They still process checks in the order they come in, and if you overdraft, they still give you all day to bring your account positive before there are any fees. Speaking of fees — they don’t charge any balance transfer fees for their credit card — or to pull from an overdraft protection savings account… they just still feel “human” — I found them 8 years ago and couldn’t be happier. As for this app? It’s written by FiServ. Many smaller and mid sized banks use them — it’s an industry standard app — and while it isn’t perfect it allows you to get done what you need to get done — and is a lot better than the one they used to have! ## Most critical reviews (10 lowest-rated) ### 1/5 — Change of payment *2026-07-21, version 25.2.1* Poor service I have asked Multiple times to change my payment date filled out paperwork to change the date signed and dated paperwork and still hasn’t been changed you keep charging a late fee ### 1/5 — I have been paying my $25 per month payment every month but the balance never goes down- instead it *2026-02-07, version 25.1.2* So stupid ### 1/5 — Worst Bank App ever… *2026-01-10, version 25.1.2* This is the worst bank app I have used. The other apps I have used are easy and intuitive. I haven’t had to step inside a bank in years… Until I got an account with SCU… They really need to rethink and redesign this app. ### 1/5 — The single worst online banking experience I’ve ever had. *2026-01-05, version 25.1.2* No one available to talk to. I’ve been a customer for 30 years and this is outrageous. I’ll be pulling my account. ### 1/5 — Horrible access *2025-12-02, version 25.1.2* For months I have been unable to access my credit card history or make payments. It doesn’t matter if I login on the app or website. I can’t only view alerts and descriptions, nothing else ### 1/5 — Worst baking app *2025-10-09, version 24.2.3* It’s incredible how terrible this app is. It’s slow, crashes and NEVER saves your password no matter how many times you click on it to. You have to click on so many different things for the simplest tasks. They seriously need to work on this app ### 1/5 — Problems *2025-06-14, version 23.2.7* I cannot set the threshold alerts on my checking account every time I try to transfer money to another debit card it blocks the transaction ### 1/5 — Poor service *2025-01-05, version 23.2.7* I have spoken to 4 people about my credit card denying a request repeatedly. I’ve tried to get this transaction done 6 times and it’s still not working. I need a visa and neither my credit card or debit card is working properly. So frustrating. ### 1/5 — Problems *2024-12-25, version 23.2.7* I cannot get anything to work on the mobile app. I can’t download my statements. Can’t download the history. This has been going on for months. ### 1/5 — Want to leave bank because the app is so bad *2024-11-15, version 23.2.7* The app gets worse with every single update. Slow, glitchy, unintuitive lauout (this gets worse with each new UI), way too many clicks to do what you need, etc. They just made a big fuss rolling out a new card control function within the app and didn’t even bother to include a way to dispute credit card charges, which is a basic function on most other credit card management apps. I really don’t know what they’re thinking with this garbage app, there are a lot of great banking and credit card management apps out there, I wish SCU would take 5 minutes to learn from others. ## Most praised reviews (10 highest-rated) ### 5/5 — Nice look *2026-08-01, version 25.2.1* Like the visual updates ### 5/5 — To the best of union bank *2026-07-30, version 25.2.1* They have a allowed me to change my life and redo it. I had to file for divorce and while trying to remake my life, I had to turn to somebody. They have been able to show me kindness and definitely financial freedom. No joke, this is hands down the best bank out there. ### 5/5 — Member *2026-07-24, version 25.2.1* Just so convenient and very friendly staff ### 5/5 — Easy *2026-06-30, version 25.2.1* This app, is very easy to use. ### 5/5 — Saves trips to the branch *2026-05-25, version 25.2.0* No online banking app is perfect, but this one is pretty close. It’s also improved vastly since its earliest versions. Being able to handle nearly every transaction other than getting currency, it is my “go to” for managing my money. I especially appreciate mobile check deposit. No more letting checks languish awaiting my getting to a branch. It’s also easy to move money around both my SCU accounts and to/from my outside high yield account. It’s also meaningful that upgrades haven’t crashed the app or changed the interface. It’s very frustrating when you learn how to use software and then the developer moves everything around so you play treasure hunt to find the tools you use frequently (think Microsoft Office). You only have to learn how to navigate this app once. ### 5/5 — Wonderful *2026-04-30, version 25.2.0* Phenomenal ### 5/5 — Great people *2026-04-19, version 25.1.2* I’ve been with banks my whole life. My grandfather always told me go to the Credit Union’s. There are more family orientated. And the people are always willing to help. ### 5/5 — Money *2026-03-25, version 25.1.2* Easy to navigate ### 5/5 — Way to go paying my bills! *2026-01-10, version 25.1.2* Paying my bills early! ### 5/5 — Muy buen banco *2025-12-19, version 25.1.2* Me gusta mucho este banco --- *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 2026-08-27.*