# SMCU Mobile Banking — user reviews > 36 indexed App Store user reviews of SMCU Mobile Banking by St. Mary's Credit Union, rated 4.85/5 from 2,267 ratings. - Source: https://appshunter.io/ios/app/smcu-mobile-banking/id1278422717/reviews - App overview in markdown: https://appshunter.io/ios/app/smcu-mobile-banking/id1278422717.md - Rating breakdown: 5★ 1,955 · 4★ 125 · 3★ 31 · 2★ 7 · 1★ 28 ## What do users think of SMCU Mobile Banking? Overall sentiment: negative **Pros** - 👍 Accessible branch locations - 👍 Helpful customer service - 🚀 Accurate account information - 👍 Enjoyable banking experience **Cons** - 🐛 Frequent app crashes and glitches - 🐛 Login issues and account lockouts - 🐛 Unreliable ATM system - 🐛 Delayed deposit processing - 🐛 Outdated and cluttered app interface **Commonly reported bugs** - App fails to load or connect to the internet - Inability to update app or access accounts - Inconsistent behavior when depositing checks - Unexpected account lockouts and login issues **Most requested features** - Face ID/biometric login support - Improved app performance and stability - Expanded branch network for better convenience - Streamlined app navigation and design ## Newest reviews (11 of 36) ### 2/5 — Poor *2025-05-23, version 25.1.101.1* Service is poor. System with ATM is really bad. Several issues depositing money at ATM machine. Several times machine has been down. Could use a couple more branches. Maybe one in Ashland or Holliston. Convenience reasons. Other than that the banking policies are pretty good. Wondering why it takes so long for you to reply to these reviews. Are you going to replace the ATM machines with new ones that work? ### 2/5 — Poor *2025-04-06* Service is poor. System with ATM is really bad. Several issues depositing money at ATM machine. Several times machine has been down. Could use a couple more branches. Maybe one in Ashland or Holliston. Convenience reasons. Other than that the banking policies are pretty good. ### 3/5 — Obtuse interface. Slow. Clunky. Broken. *2022-10-09, version 10.6.3.1* Update Oct 2022 (3*): Email alerts seem to be fixed as of 9/29/22. Thanks. I had one email address that worked, but now getting 100% of alerts on multiple email addresses that had not been getting alerts since Feb. Interface is still clunky with poor flow seemingly built by people who don't use it, but I am getting accustomed to it. I trust the app, but I don't like it. I have learned to search for error messages not near the actual input, though I am not confident I would have found it. Original (1*): Love the Saint Mary's Credit Union. App, not so much - Unacceptable theses days. Less than a year ago the App worked great. Now App keeps getting worse. Designed by people who don't use the features. For example, on some edits, need to scroll through multiple pages of other unrelated settings first to edit a check box - when I press edit, it should go right to the edit data. Warnings of an incorrect typing are hidden and need to be searched for - found by accident. Email alerts are flaky on some email addresses that are successfully used by my brokerage company. I could go on, but it does no good. Unfortunately, if I find another institution with a more reliable App, I will move my money. ### 2/5 — Really outdated *2021-02-14, version 10.5.0.1* I have no issues depositing checks, checking account status, etc, but the display and lays out of this app is straight out of Windows 95. SMCU- please have your app developers make this app state of the art/easy to use/and clean looking! ### 1/5 — App not working properly *2020-12-22, version 10.5.0.1* I am having the same problem. App won’t open after working properly for several years. ### 2/5 — Great Credit Union but technology needs work *2020-12-22, version 10.5.0.1* Don’t know what you did with last update, but I can’t login at all now. PS I’m a regular user of online banking with several institutions. Maybe look to see what some of your competition is doing for ideas . . .. (love Mutual Ones app) ### 1/5 — App *2020-12-19, version 10.3.0.1* Constant bugs. Always updating. Still nothing gets better. Bank must purchase a way better and modern app for customers ### 1/5 — Can't update *2020-12-11, version 9.2.2.1* App said I need update to continue. When I click on the prompt to update nothing happens. ### 1/5 — App doesn’t work *2020-12-11, version 10.3.0.1* I’ve seen other reviews saying similar things but this app will not open and load. It completely prevents me from being able to deposit checks unless I go to a branch location. Please fix! ### 4/5 — Worst app *2020-12-09, version 10.3.0.1* Not a decent app. Doesn’t load, no Face ID ### 2/5 — Crap *2020-10-30, version 10.1.0.1* This app is CRAP. DOESNT WORK. When I open it the first screen just loads and loads. Never allows me to sign in. Terrible job. I’m thinking of switching banks because of this CRAP technology. Do better. **Developer response:** Hello, We are sorry to hear that you are having difficulties accessing our mobile app. We are always here to help! Please call us at (508) 490-8000 for further assistance. ## Most critical reviews (10 lowest-rated) ### 1/5 — More options and simpler steps *2026-04-10, version 25.2.103.1* Needs more options more buttons to figure things out in the app app could just be updated with more features ### 1/5 — Never works properly *2025-08-15, version 25.2.101.1* Every time I need to use the app, it tells me I need to update info even though it’s all up to date, horrible banking app. ### 1/5 — Refinance Imminent *2024-12-24, version 24.8.0.1* Very dysfunctional app Atrocious customer service ### 1/5 — Disappointed *2024-10-17* Do not hold my deposits longer than you quote me This is infuriating **Developer response:** We are sorry to hear that you are experiencing difficulties. Please contact our team at (866)-585-7628 so we can get a better understanding of this and work towards a solution. ### 1/5 — Glitchy App *2024-04-29, version 24.1.0.1* I love SMCU. However, the new mobile app update is poor. It gives an error message that I need an internet connection when I try to access my accounts. I need at least two tries and sometimes more to view my accounts. ### 1/5 — Try again…. *2024-04-08, version 24.1.0.1* Just recently it started getting glitchy and logging you out time to redo it ### 1/5 — Rubbish *2023-11-29, version 11.4.1.1* Absolute trash. Locks you out for every little transaction you do, requiring you to call the branch every time. ### 1/5 — TERRIBLE! *2022-10-26, version 10.6.3.1* Start over. Login is abominable. Only account where I have issues with login for over a year!! ### 1/5 — It won’t access the camera on my iPhone *2022-07-30, version 10.6.2* I guess that broke with the last update. There’s no way to tell the app by going into settings or privacy or a camera to link to the app. So there’s no way to remotely deposit checks at the moment using an iPhone. ### 1/5 — Won’t load *2021-01-05, version 10.5.0.1* The credit union is amazing but this app is terrible. Hasn’t loaded for a couple weeks now. This is why I left another bank, their app wouldn’t work either. ## Most praised reviews (10 highest-rated) ### 5/5 — Mr. Nour *2026-01-27, version 25.2.101.1* I have been with SMCU SINCE 2004 and I have been so lucky to be with SMCU, the team is so supportive and welcoming. Thank you so much for all of your hard work! ### 5/5 — Mainly favorable *2025-02-01, version 24.9.201.1* I enjoy the accessibility of my branch, and helpful service. Only criticism is phone sign in into sensitive and puts a hold on the account too quickly if you make a mistake signing in. ### 5/5 — Great Personel service….always helpful *2024-02-08, version 11.4.1.1* I really enjoy doing business with a small local bank. ### 5/5 — My Family Credit Union *2023-04-24, version 11.4.0.1* I’ve been with St Mary’s for over 50 years. Always there when I need a car loan, personal loan or just advice on handling my money. ### 5/5 — Slow *2023-03-30, version 11.4.0.1* New update slowed in Mobil app ### 5/5 — Good app *2020-12-29, version 10.5.0.1* I joined St Mary’s almost two years ago and they have all the functions I need. They upgraded the mobile app to the Versatile theme and added Zelle in 2020 and that made it a lot better. Kudos St Mary’s! ### 5/5 — Each APP load has problems *2020-12-27, version 10.5.0.1* Suddenly cannot pay bills or transfer money. Keeps saying I will not allow cookies yet that is not how I have my browser setup and it had no problems before the upgrade. We need all online access this year of needing to stay home especially. ### 5/5 — Great Credit Union *2019-07-31, version 9.0.1.1* Cannot say enough good word about St Mary’s Credit Union app is easy to use I can transfer my funds from other account. Very happy all the way five stars ### 4/5 — Accurate. Love email transaction and balance alerts. *2023-05-26, version 11.4.1.1* Great Credit Union. App works. Accurate. Interface is not straight forward, but it is so small, I can find everything. Optional email alerts are great, but the information in the emails is not presented for quick analysis - too many useless words. Alert setup is overly clunky. Everything works in the app, and it is appreciated, but it could use some organization. ### 4/5 — Face Recognition *2021-05-03, version 10.6.1.1* App is pretty good. Not sure why the developer hasn’t included face recognition. Newer iPhones don’t have fingerprint option anymore, would love to not have to type in my password every time I log-in. --- *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.*