# Southern Energy Credit Union — user reviews > 99 indexed App Store user reviews of Southern Energy Credit Union by APCO Employees Credit Union, rated 4.79/5 from 4,319 ratings. - Source: https://appshunter.io/ios/app/southern-energy-credit-union/id1060798927/reviews - App overview in markdown: https://appshunter.io/ios/app/southern-energy-credit-union/id1060798927.md - Rating breakdown: 5★ 3,538 · 4★ 241 · 3★ 60 · 2★ 32 · 1★ 76 ## What do users think of Southern Energy Credit Union? Overall sentiment: negative **Pros** - 💡 Useful mobile app - 🚀 Fast and effective deposits - 👍 Easy to use - 🔒 Secure access to account information - 👍 Convenient anytime, anywhere banking **Cons** - 🐛 Crashes and bugs - 👎 Inconsistent biometrics usage - 👎 Lack of key features (e.g., bill pay, credit card access) - 👎 Confusing and less intuitive layout - 👎 Inability to access all accounts **Commonly reported bugs** - Face ID/Touch ID not working - Check deposit issues (e.g., multiple attempts required, errors) - Frequent app crashes or freezes - Login problems (e.g., getting stuck on security questions) - Accounts not linking or syncing properly **Most requested features** - Facial recognition/Touch ID login - Ability to transfer between all accounts - Improved notifications and alerts - Increase mobile deposit limits - Integrate with Zelle or other P2P payment services ## Newest reviews (11 of 99) ### 4/5 — Face ID Doesn’t Work *2026-07-14, version 25.2.0* The Face ID feature does not work. Every time I log in, it tries to use it and then says “You have entered an invalid user id”. The “Save User ID” feature also does not work which I think is what is causing the issue. ### 2/5 — New App is Terrible *2026-05-02, version 24.1.1* Ever since they switched from the old APCo app to SECU App, it’s been terrible. The facial recognition constantly stops working. Signing in then asks for verification every time - even if I’m using it in the exact same location/wifi. It’s really annoying and inconvenient and needs to be fixed long term. Moving Transfers to the menu was not great. Give us the old app back! ### 3/5 — User access *2026-03-13, version 24.1.1* Please update the app so that it is actually reliable. Being able to get on a banking app occasionally is not acceptable. ### 2/5 — Majority of the time the app is down and will not let you login . Needs more features *2026-01-24, version 24.1.1* Seems like every time when you need it, the app is down. We’re not allow you to login. Would like to see Pending Transactions in the app like other credit unions. ### 2/5 — Issue with login *2025-12-23, version 24.1.1* The app will not save login name when selected to do so. Old app worked great. ### 2/5 — Unable to enable Face ID *2025-11-17, version 24.1.1* I can I find the option to enable Face ID in the settings ### 4/5 — No Facial ID *2025-10-01, version 24.1.1* I believe this is the year 2025 and this app does not have facial recognition. ### 3/5 — It’s okay *2025-07-19, version 24.1* Exceptionally mediocre in every respect. Zelle is notoriously terrible, but widely available, embarrassingly low APR, especially for a credit union. ### 2/5 — Some things don’t work. Fix it! *2025-03-22, version 24.1* You can’t swap between accounts. You can’t get to your credit card statement. Please fix. ### 3/5 — Check was deposited *2024-05-20, version 22.2.2* Thankfully my $200.00 check was deposited ### 1/5 — Can't pay visa payment *2024-05-07, version 22.2.2* After all the hassle to set up this stupid app I can't even pay on my Powerco visa . Horrible set up. ## Most critical reviews (10 lowest-rated) ### 1/5 — Login Issues *2026-03-10, version 24.1.1* App rarely logs in. Just spins then times out. Very frustrating! ### 1/5 — Can’t Log In *2026-01-19, version 24.1.1* Been using facial recognition but now it scans face and just sits there. It’s been days now and still can’t log in. ### 1/5 — Secu app *2025-07-26, version 24.1.1* This app is not as good as the Apco app was! My user name won’t stay up on iPad and my iPhone at the same time. Just the 1st complaint! ### 1/5 — New App is the worst *2025-04-29, version 24.1* New app redesign is awful. Layouts are not intuitive and app constantly crashes or simply will not load. I do not like not being able to view checking transactions taking place with my money due to this terrible app. Bring back the old app. ### 1/5 — New App is TERRIBLE *2025-03-29, version 24.1* What is the point in an app if I can’t pay my bill?? Where is the bill pay option? Where is the My Rewards option? ### 1/5 — App is not working! *2025-03-28, version 24.1* The app does not work well on iPad it starts but gets stuck and will not open to the accounts. Somebody fix this mess!!! ### 1/5 — New app *2025-03-21, version 24.1* This new app is horrible. ### 1/5 — Agree with the previous comment… *2025-03-18* I agree that the new layout is significantly more jumbled than the last. The APCOCU layout was great and I was able to handle my business swiftly and then move on. Now I have to squint and search for what I need to do. Also, I’m less than impressed that the new app/website doesn’t have access to UChoose rewards for the credit card anymore. My suggestion, there needs to be another push with some better updates. Love the company, simply don’t love the new app/website. ### 1/5 — New layout *2025-03-13, version 24.1* The new account layout is hideous and less intuitive than the old layout. Too much jumbley information on the account summary screen. Why did it go from a slick concise summary of all my accounts to a more stale yet more overloaded screen of information. The font and layout is not good. ### 1/5 — Disappointed in online banking *2024-07-30, version 22.2.2* When I try to make a online deposit I kept getting cut off. ## Most praised reviews (10 highest-rated) ### 5/5 — Kathryn (customer service) *2026-05-22, version 24.1.1* Kathryn was very polite and answered all of my questions and helped me with my account. She was very patient with me and I’m very grateful for that !! ### 5/5 — Ehh *2025-10-23, version 24.1.1* Too laggy and inconsistent with biometrics usage ### 5/5 — Useful *2025-02-21, version 22.2.2* Provides an easy way to securely access your account information and monitor bill payments anytime and anywhere. ### 5/5 — Best credit Union *2024-11-22, version 22.2.2* I have been with this credit union for over 10 years and it’s been amazing. ### 5/5 — Super Convenient! *2024-09-30, version 22.2.2* Love the APCO Credit Union App! ### 5/5 — A fan *2024-09-05, version 22.2.2* I enjoy using this app , it isn’t the best but I like the credit union and the people who work there so I’m grateful to use them for my credit union , thank you ### 5/5 — APCO Clanton & Downtown Mobile Branch *2024-08-20, version 22.2.2* Outstanding Service and everything is hassle free. These ladies do a outstanding job. I couldn’t be more satisfied. Thank you APCO ### 5/5 — Awful *2024-04-02, version 22.2.2* Transferring from Powerco to APCO has been a nightmare. 25 min waiting for cust svc to answer phone. Could not register acct even with assistance. Cust svc rep was spelling name wrong. Now - None of my other accounts are linked to new APCO account. None of my bill pay accounts are set up. Worst transition ever! ### 5/5 — Outstanding Merging Powerco with APCO! *2024-04-01, version 22.2.2* Smoooooth for me. Don’t know how you did it, but WOW! ### 5/5 — New App *2024-02-23, version 22.2.2* I do not like the new app in any manner. Cannot see all my accounts. Get error messages constantly. Can’t update anything because when I get error messages the app locks up. I have to erase the app, wait about two hours and then reinstall the app only to have it lock up again every time. Also face recognition will not let me set it up and I can’t find any way to get back to just touch screen. I would like to know if the bank is going to cover my overdrafts since I can’t get into my account to transfer money etc. I am handicapped and cannot drive so I depend solely on online banking. I would appreciate a reply from someone. And yes I have been talking to people at the bank for over a month now. Apparently the IT department did not do enough testing before releasing the new version. And before you ask what I know about program testing, my husband has been a programmer for over 30 years. --- *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.*