SWACU User Reviews

SWACU
SWACU
Southwest Airlines Federal Credit Union

Customer Experience

Positive experience74.2% of reviews
Neutral9.7% of reviews
Negative experience16.1% of reviews

~ Based on 31 written reviews from the US App Store.

What users say

Is SWACU Safe?

SWACU appears safe based on user ratings. AppsHunter Safety Score for SWACU is 98/100.

This assessment is based on 3,713 user ratings, with an App Store average of 4.9/5.

Safety Analysis

96.7% of ratings point to a safe experience
1.5% of ratings suggest some concerns
1.8% of ratings point to a risky experience

~ Based on 3,713 App Store ratings for SWACU.

Is SWACU Legit?

SWACU appears to be a legitimate app. AppsHunter Legitimacy Score for SWACU is 93/100.

Based on 93 of 100 points across 7 verification signals from App Store and developer data.

Top reviews

Checking

Was easy to use

Response from developer

Hi Icmcmsj, Thank you for the 5- star revew! We're pleased to know our checking features were easy to use, and appreciate your membership and feedback!

Long time customer

I can’t believe that when someone deposits money they don’t call to say it has been rejected because of one word. My other bank calls. I had a large amount I needed in there and they didn’t call they emailed me I don’t always get my email there for I am now overdrawn and things are bouncing.

Response from developer

Hi Klh❤️, We understand you would have preferred a phone call, however at SWACU, members are notified by email when a mobile deposit needs attention. We have found email to be the most reliable way to communicate important account updates, since phone calls can be missed or go to voicemail. The email also allows us the time and space to explain in detail why the deposit was rejected, so the issue can be corrected, and the deposit resubmitted as quickly as possible. The endorsement requirements for mobile deposits are an important part of protecting our members and the credit union from fraud. Requiring the exact endorsement helps confirm that a check is intended only for mobile deposit at SWACU. We take every precaution to safeguard and protect our members’ accounts. If ever you want to guarantee your check deposit goes directly into your account, in real time with no chance of delay, please try using one of our Shared Branches (follow or copy and paste the link below). https://www.swacu.org/manage/account-services/shared-branching.html We hope this helps to streamline future deposits and explain our procedures. Thank you for being a member of SWACU!

The best

Having the app makes everything so easy and reachable when making payments and transactions

Response from developer

Hi Ocanas/Lozano family, Thank you so much for the 5-star review! We’re really happy to hear that the SWACU app is making things easier for you when making payments and transactions, that’s exactly what we strive for! We appreciate you taking the time to share your experience and are so glad to have you as part of the SWACU family!

App

I like

Fast and efficient!

I love using the SWACU website, quick facial ID, swift transfers, and swift payments. It makes my time online very enjoyably fast!
thank you.

Response from developer

Hi Patmom11, Thank you so much for the 5-Star review! We’re thrilled to hear that you’re enjoying the speed and convenience of our online banking experience—from quick facial ID access to fast, seamless transfers and payments. Making your banking experience easy, secure, and efficient is always our goal, so it’s great to know we’re delivering for you. We truly appreciate you taking the time to share your experience with us! Thanks again for being a valued member of SWACU.

login

it says sign in required every time I go to login like I'm not opening the app to sign in.

Response from developer

Thank you for the 5-star review. We’re sorry to hear you’re being asked to sign in every time, that isn’t the experience we want for you. When you have a moment, please give us a call so we can walk through some troubleshooting steps together and see what’s going on with your device. We’re here to help and want to make sure everything works smoothly for you. Thank you for being a valued SWACU member.

Much improved

Way to go SWACU. Lots of hidden features. App is robust. Keep it coming.

Response from developer

Hi Nizzy, Thank you so much for the fantastic review! We’re thrilled to hear you’re enjoying the app and discovering all the hidden features we’ve built in to make mobile banking easier. SWACU works hard to keep the experience robust, reliable, and always improving. Your encouragement means a lot to us, and we’ll definitely keep it coming.

LUV SWACU

I love the ability to send messages and not be tied to the phone.

Response from developer

Hi Nonna girl, Thank you so much for the 5‑star review. We’re really glad to hear that being able to message our team directly—without having to call in—has made things easier for you. That flexibility is exactly what we hoped this feature would offer. We appreciate you taking the time to share your experience with us and thank you for being a SWACU member.

After hours disaster

You should have someone to handle after hour disasters. Period.

Just stopped working

In the last week the app consistently says it cannot establish a connection.

Convinent

Easy to use

Expected necessities

After experiencing multiple bank apps, this app has the basic functions, could be better.

Response from developer

Hi Rocko, Thank you for taking the time to share your feedback! We’re glad to hear the app delivers the essential features you need, and we appreciate your honesty about where it could improve. Our team is continually working on enhancements, and insights like yours help us prioritize what matters most to our users. If you ever have specific suggestions or feature, you’d like to see, we’d love to hear them. Thank you for being valued SWACU member.

Tommy

Great App. Simple to navigate. All the functionality to managing your money instantly!


Best version ever!

Response from developer

Hi Tommy, Thank you so much for the fantastic review! It’s wonderful to hear that the app feels simple to navigate and gives you the tools you need to manage your money instantly. Feedback like yours motivates us to keep improving and delivering the best experience possible. We’re thrilled you’re enjoying this version and thank you for being a SWACU member!

Deposit check

Not fun trying to deposit a check

Response from developer

Hi Cakers7913, Thank you for your feedback - we truly appreciate you taking the time to share it with us. We're sorry to hear the check deposit experience hasn't been as smooth as it should be. Your input helps us continue improving the SWACU app so it's faster, easier, and more enjoyable to use. We are always working to enhance mobile deposits, and comments like yours point us in the right direction. Thank you for being a member and for giving us the opportunity to do better for you.

Hard

It’s really hard to submit a deposit. It says it is blurry more than my other mobile apps at other banks.

Response from developer

Hi Ma2275, Thank you for sharing your experience with our mobile deposit feature. We are sorry to hear the check image quality has been giving you trouble - that can definitely be frustrating. We're continuously working to improve the app, and feedback like yours helps us make those updates even better. We appreciate you being part of SWACU and hope your next deposit goes much more smoothly.

W app

Very intuitive app; great ui. No bugs spotted yet.

Response from developer

Hi Honest Reviews, Thank you for the 5-star review! We're so glad to hear the app feels intuitive and is running smoothly for you - that's exactly what we aim for. We truly appreciate you being part of the SWACU family!

Deposit check errors

It’s a total challenge

The best CU

I can’t say enough about our Phx branch! Everyone especially Kim goes beyond the norm to make sure we are taken care of!

Response from developer

Hi Flyin Joe, Thank you so much for the 5-Star review! We're thrilled to hear you've had such a positive experience with our Phoenix branch - and we couldn't agree more, Kim and the team are truly exceptional! They take great pride in providing outstanding service and making sure every member, like yourself, feels valued and cared for. We'll be sure to share your kind words with them - they'll LUV hearing this!

Love the app Love Swacu

I Love how easy it is to do anything with the app I just wish we could add Zelle to it

Response from developer

Hi Pamateo, Thank you so much for your 5-star review! We're so glad to hear you love how easy it is to use the SWACU app - convenience is what we aim for! We appreciate your feedback about Zelle - great news, it's coming soon! Stay tuned for updates on when you'll be able to send and receive money seamlessly right within the app.

Luv SWACU

Great App