# SWACU — user reviews > 31 indexed App Store user reviews of SWACU by Southwest Airlines Federal Credit Union, rated 4.90/5 from 3,713 ratings. - Source: https://appshunter.io/ios/app/swacu/id6740840849/reviews - App overview in markdown: https://appshunter.io/ios/app/swacu/id6740840849.md - Rating breakdown: 5★ 3,442 · 4★ 150 · 3★ 54 · 2★ 18 · 1★ 49 ## What do users think of SWACU? Overall sentiment: positive **Pros** - 👍 Terrific improvements from the previous version - 👍 New app is awesome! - 👍 Quicker, easier to use, and feels much more modern - 👍 Great user interface - 👍 Easy and quick to use - 👍 Wonderful app, easy to use **Cons** - 🔍 Menus take a while to find where you need to go **Commonly reported bugs** - No rewards counter in the new app **Most requested features** - Provide rewards transactions and tracking ## Newest reviews (10 of 31) ### 5/5 — Love the app Love Swacu *2025-10-18* I Love how easy it is to do anything with the app I just wish we could add Zelle to it **Developer response:** 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. ### 5/5 — Luv SWACU *2025-09-15, version 3.27.0* Great App ### 5/5 — My thank you *2025-07-09* I've been with Southwest since 95. All the employees have been super nice and helped me all the way all the time I work at Southwest Airlines, and even more so now that I am retired. Thank you, to Vicki Adkins **Developer response:** Thank you for your 5 STAR REVIEW! We appreciate your kind words and for being a loyal member for 30 years! Your continued trust means the world to us and if ever there is anything we can do for you, we are always here to help! ### 5/5 — Awesome App *2025-07-02* Terrific improvements from the previous version **Developer response:** Thank you for the 5 STAR REVIEW! We’re so glad you’re noticing the improvements. We’re always working to make the app better for our members — more to come! ### 5/5 — LUV LUV LUV *2025-06-11, version 3.23.2* New app is awesome! ### 5/5 — Great Upgrade *2025-05-05* SWACU’s new app is leaps and bounds better than the previous rendition! Quicker, easier to use, and feels much more modern. Enjoying all the added functionality. **Developer response:** Thank you so much for the great feedback! We’re thrilled to hear you’re enjoying the new app and finding it faster, easier, and more modern. We worked hard to improve the experience and add features that matter most to our members. If you ever have suggestions or questions, we’re always here to help! ### 5/5 — Huge upgrade and great UI *2025-04-30* This is a significant upgrade from the previous app and has a great user interface to work with. It feels like they worked really hard to ensure a great experience for their members, which they clearly value highly! **Developer response:** Thank you for the 5 STAR review and the kind words. Our team truly did put a lot of effort into creating a better experience, and its rewarding to know that it shows! We care deeply about our members and appreciate you noticing that in our work! ### 5/5 — Nice new app *2025-04-29* Nice work with the update! I do wish the transaction log for each account took fewer clicks to view ### 5/5 — Nice new app *2025-04-29* Provides easy access to everything I need. Like the credit scoring, New person to person payments, easier access to enable Biometrics **Developer response:** Thank you for the 5-star review and the kind words! We’re so glad to hear you’re enjoying the new app—your feedback means a lot to us. We designed it to offer more features and a better overall experience, so it’s great to know it’s hitting the mark. Thanks for being part of the SWACU family! ### 5/5 — New app *2025-04-28, version 3.22.0* Love the new app SWACU! Easy and quick! ## Most critical reviews (10 lowest-rated) ### 1/5 — Long time customer *2026-07-01* 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. **Developer response:** 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! ### 1/5 — After hours disaster *2026-03-21, version 3.32.0* You should have someone to handle after hour disasters. Period. ### 1/5 — Just stopped working *2026-01-12, version 3.30.0* In the last week the app consistently says it cannot establish a connection. ### 1/5 — Deposit check errors *2025-11-20, version 3.29.0* It’s a total challenge ### 2/5 — Hard *2025-11-30* It’s really hard to submit a deposit. It says it is blurry more than my other mobile apps at other banks. **Developer response:** 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. ### 3/5 — Expected necessities *2026-01-07* After experiencing multiple bank apps, this app has the basic functions, could be better. **Developer response:** 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. ### 3/5 — Deposit check *2025-12-01* Not fun trying to deposit a check **Developer response:** 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. ### 3/5 — No rewards counter? *2025-05-19* The new app does not provide the rewards transactions. The only reason I use Swacu is because of the love rewards checking. The previous app would let you know how many transactions you’ve made in a month to qualify. The new app does not. Makes me curious if it was left out on purpose so less people would qualify. ### 4/5 — App *2026-06-15, version 3.34.1* I like ### 4/5 — UX issues *2025-09-09* Overall the app is good. But the menus take a while to find where you need to go. **Developer response:** Thank you for sharing your feedback with us! We're glad to hear that you find the app overall good, and we truly appreciate your input about the menus. We know that easy navigation is important, and we're always working on updates to improve the member experience. Thank you for being a valued SWACU member and for helping us make our digital tools even better! ## Most praised reviews (10 highest-rated) ### 5/5 — Checking *2026-08-07* Was easy to use **Developer response:** 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! ### 5/5 — The best *2026-06-21* Having the app makes everything so easy and reachable when making payments and transactions **Developer response:** 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! ### 5/5 — Fast and efficient! *2026-06-07* I love using the SWACU website, quick facial ID, swift transfers, and swift payments. It makes my time online very enjoyably fast! thank you. **Developer response:** 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. ### 5/5 — login *2026-06-01* it says sign in required every time I go to login like I'm not opening the app to sign in. **Developer response:** 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. ### 5/5 — Much improved *2026-05-08* Way to go SWACU. Lots of hidden features. App is robust. Keep it coming. **Developer response:** 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. ### 5/5 — LUV SWACU *2026-04-19* I love the ability to send messages and not be tied to the phone. **Developer response:** 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. ### 5/5 — Convinent *2026-01-12, version 3.30.0* Easy to use ### 5/5 — Tommy *2025-12-29* Great App. Simple to navigate. All the functionality to managing your money instantly! Best version ever! **Developer response:** 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! ### 5/5 — W app *2025-11-22* Very intuitive app; great ui. No bugs spotted yet. **Developer response:** 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! ### 5/5 — The best CU *2025-10-23* I can’t say enough about our Phx branch! Everyone especially Kim goes beyond the norm to make sure we are taken care of! **Developer response:** 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! --- *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 2026-09-02.*