# SMART FCU

> Mobile banking app for managing personal finances, transactions, and payments. (iPhone/iPad app by SHEET METAL WORKERS LOCAL 104 FEDERAL CREDIT UNION.)

- Source: https://appshunter.io/ios/app/smart-fcu/id1584917391 (this page in markdown: same URL + `.md`)
- Developer: [SHEET METAL WORKERS LOCAL 104 FEDERAL CREDIT UNION](https://appshunter.io/developer/686128224)
- Category: Finance
- Price: Free
- Rating: 4.83/5 from 782 App Store ratings · 7 written reviews indexed
- Age rating: 4+
- Requires: iOS 18.4 · 197 MB
- Languages: English, Spanish
- Released: 2021-12-06
- Data updated: 2026-10-20
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/smart-fcu/id1584917391/reviews.md

## What is SMART FCU?

SMART FCU is your personal financial advocate. It’s fast, secure and makes life easier by empowering you with the tools you need to manage your finances.

Here’s what you can do with SMART FCU:
Keep your transactions organized by allowing you to add tags, notes and photos of receipts and checks.
Set up alerts so you know when your balance drops below a certain amount
Make payments, whether you’re paying a company or a friend
Transfer money between your accounts
Deposit checks in a snap by taking a picture of the front and back
View and save your monthly statements
Find branches and ATMs near you
Aggregate your financial accounts
Secure your account with a 4-digit passcode or biometric on supported devices.

## Key features

- Organize transactions with tags, notes, and receipt photos
- Set balance alerts
- Make payments to companies and friends
- Transfer funds between accounts
- Deposit checks remotely
- View and save monthly statements
- Find branches and ATMs
- Aggregate financial accounts
- Secure with passcode or biometrics

## Is SMART FCU safe?

SMART FCU appears safe based on user ratings. The AppsHunter Safety Score for SMART FCU is 96 out of 100. This assessment is based on 782 user ratings, with an App Store average of 4.8 out of 5. Of 781 App Store ratings, 96.0% point to a safe experience, 1.4% suggest some concerns, and 2.6% point to a risky experience.

## Is SMART FCU legit?

SMART FCU appears to be a legitimate app. The AppsHunter Legitimacy Score for SMART FCU is 83 out of 100 points across 7 verification signals from App Store and developer data.

## Recent user reviews (7 of 7)

All indexed reviews: https://appshunter.io/ios/app/smart-fcu/id1584917391/reviews.md

### 1/5 — Recent Update

*2026-09-24*

Your recent update kicked me out of my account to where I cannot even retrieve my information and it’s saying all of my information that I used to access my account is wrong when it’s not. Now I can’t check my balance. I can’t do anything via online unless I call somebody and even then they’re not very helpful nor are they nice.

### 2/5 — No

*2026-08-11*

To many ways to say no. No you can’t help me . No you access your money. No we can’t do that. Even wells Fargo was better at customer service and getting access to my money. It’s always some reason I can’t get my cash out . I’m frustrated and about to close my account and take my banking to another . Suppose to be a great bank. Ever since they moved locations it’s been trash as it’s best day

### 5/5 — Mrs Rodriguez

*2026-07-21*

Love this bank! Use it though my husbands career and hands down the best! Also the employees are so nice and welcoming

### 1/5 — Can no longer open the app

*2026-01-31*

How do you rate an updated app that you can no longer open and use on an iPhone 8 that works perfectly with other apps? Apple’s got us, sooner or later, with the usual planned obsolescence.

### 2/5 — Update

*2025-10-30*

I loved this app when I first learned about and downloaded it. But now it's requiring me to Update it to use it anymore. My iPhone is and older 8+ running iOS 16. I have no plans or $$ to upgrade my phone so I guess I cannot use this wonderful app anymore. Not good to be continuously upgrading beyond what customers are able to use. Thanks anyway :/

### 5/5 — 104 credit union

*2025-06-15*

Just wanted to say thanks, the 104 staff has always been great and very helpful in all my needs over the years!!! Customer service is outstanding and it should be, thank you.

### 5/5 — New and improved

*2023-05-03*

The new mobile app makes everything so much easier and easier to view and manage all accounts!

## Frequently asked questions about SMART FCU

### What can I do with the SMW 104 Federal Credit Union app?

This app allows you to manage your finances by keeping transactions organized with tags and notes, setting balance alerts, making payments, transferring money between your accounts, and depositing checks by taking pictures. You can also view statements, find branches and ATMs, and aggregate your financial accounts.

### How secure is the SMW 104 Federal Credit Union app?

The app prioritizes security by allowing you to secure your account with a 4-digit passcode or biometric authentication on supported devices. This ensures that your financial information is protected when you use the app.

### Is the SMW 104 Federal Credit Union app free to use?

The app itself is free to download and use. However, as it is a banking application, standard banking fees or charges may apply depending on your account and the transactions you perform.

### What devices is the SMW 104 Federal Credit Union app compatible with?

The description mentions biometric security on supported devices, implying compatibility with smartphones and tablets that offer such features. It is designed for mobile use, suggesting compatibility with both iOS and Android operating systems.

### Can I deposit checks using the SMW 104 Federal Credit Union app?

Yes, you can deposit checks quickly and easily through the app. Simply take a picture of the front and back of your endorsed check, and the app will process the deposit for you.

## Version history (last 5 releases)

### 3.39.0 — 2026-10-15

Version 3.39.0
• Bug fixes and performance improvements

### 3.38.1 — 2026-10-09

Version 3.38.1
• Bug fixes and performance improvements

### 3.37.0 — 2026-09-18

Version 3.37.0
• Bug fixes and performance improvements

### 3.30.2 — 2026-01-24

Version 3.30.2
• Bug fixes and performance improvements

### 3.30.0 — 2025-12-11

Version 3.30.0
• Bug fixes and performance improvements

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*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 2026-10-20.*