# Tucoemas — user reviews > 17 indexed App Store user reviews of Tucoemas by Tucoemas Federal Credit Union, rated 4.80/5 from 2,099 ratings. - Source: https://appshunter.io/ios/app/tucoemas/id6470538991/reviews - App overview in markdown: https://appshunter.io/ios/app/tucoemas/id6470538991.md - Rating breakdown: 5★ 1,886 · 4★ 123 · 3★ 26 · 2★ 12 · 1★ 52 ## What do users think of Tucoemas? Overall sentiment: negative **Pros** - 👍 Clean and easy to use app - 🚀 Massive upgrade from previous app - 💡 Good number of features **Cons** - 🐛 Check image won't load - 🐛 Zelle doesn't work - 🐛 Frequent system issues and unavailability - 🐛 Mobile deposit problems - 🐛 Confusing new software and interface - 🐛 Can't find payment history or see payee **Commonly reported bugs** - Mobile deposits frequently rejected - Debit card transactions often rejected - Online banking system issues **Most requested features** - Bring back credit report tool - Improve customer support after hours and on weekends ## Most critical reviews (10 lowest-rated) ### 1/5 — Most Difficult FCU Ever *2024-07-22, version 3.14.0* I have had nothing but difficulties with every aspect with this credit union. Their systems are frequently unavailable when I’ve attempted to use them. Online banking has been very challenging for me, since the system almost always rejects my mobile deposits. I’ve had some deposits go through and then been charged a fee when they have rejected my deposit after seemingly going through online. Anytime I use my debit card I am charged $1. Their new ATMs are configured in a manner where it is no longer simple to get $20 bills, as their system defaults to issuing large bills that are not accepted in most areas. It is difficult to find the area on their machine to request smaller bills. I’ve been informed by the teller staff there is not a contact number to reach out to someone regarding their Visa credit card for questions and issues. My Visa and debit card transactions are frequently rejected, forcing me to utilize a different form of payment. It’s been one headache after another for me. I have been forced to travel to one of their offices/ branches almost every single time I have to do business with them, due to the frequent issues in regards to their online system being down or rejecting my online transactions so frequently. Due to the many recurrent problems I have had with TFCU, I would not recommend this credit union. ### 1/5 — Mobile deposit *2024-03-24, version 3.9.1* The mobile deposit part is horrible !!!! ### 1/5 — It’s horrible *2024-02-09, version 3.9.1* Can’t find history payments. Can’t see who payment went to. Very difficult to navigate. Go back to the old app!!!! ### 1/5 — 30 year member *2024-02-07, version 3.9.1* After the February 6 disaster I am closing my accounts. I can no longer trust this institution with my money. ### 2/5 — Credit score *2024-10-27, version 3.17.0* Credit score has changed from 552 to 671 ### 2/5 — Feedback *2024-03-01, version 3.9.1* I must applaud your staff who have diligently worked to help a multitude of people understand how to maneuver through your website as well as the app. Unfortunately, it is, singularly the most confusing process I have ever encountered with any banking institution. I can only surmise that the new software is a step back in progress. there is nothing intuitive about the new process, and it lacks significant amenities that we availed ourselves of previous to the new software. Aside from ditching the new software, it sounds much easier to remove my money, albeit not a large amount, but to transfer my banking to another institution. I am reluctant to do so, as I’ve been with Tucoemas for several decades. As of now, I will hang out for a while longer to see if you can clean up the mess and and I am very hopeful you will be able to do so. I can only feel that someone sold you guys down the river on this software. ### 3/5 — Credit Score *2024-02-08, version 3.9.1* Bummed I can’t check my credit score anymore it was one of my favorite features on the old app ### 4/5 — Good But Could Be Great *2024-08-30, version 3.15.0* The app has a decent number of features on it and it’s a massive upgrade from the app that TFCU had before which almost seemed ancient. Only features that would help make it better is when comes to trouble shooting or have questions. As long as it is bank hours they can assist but after 5pm and on the weekends your on your own. Otherwise though very good banking app. ### 4/5 — Check Image Won’t Load *2024-08-15, version 3.15.0* The app is clean and easy to use but the image for checks that have cleared doesn’t load. Would be nice if that worked. ### 4/5 — Bill pay *2024-02-14, version 3.9.1* Doesn’t say who payee is. ## Most praised reviews (7 highest-rated) ### 5/5 — Great Bank/App *2026-01-29, version 3.30.2* Have never had a problem with this app! Always good when depositing or transferring to and from accounts. Keeps you up to date very well ### 5/5 — Good upgrade *2025-06-09, version 3.23.1* App feels customer friendly, clear understanding of options, details and intuitive feels like you can get a response from an actual person and figure out an issue. Compared to other bank apps enjoy getting my answers feels easier here ### 5/5 — Great! *2025-03-27, version 3.21.0* Great! ### 5/5 — Zelle doesn't work *2024-08-09, version 3.14.0* it's a cool app but sending money through zelle barely works ### 5/5 — Please bring back the Credit Report tool *2024-02-06, version 3.9.1* I would have given a 5 but … Please bring back the credit report tool. It’s a game changer for those who take our credit serious. ### 5/5 — Customer Service *2024-02-06, version 3.9.1* With Tucoemas being offline for a couple of days ,the staff @Center street branch was awesome even to the rude customers.Today there was a line going out the door.Aloha and thank you for the excellent customer service as always that’s why I bank with them🤙🤙🤙February 6,2024 ### 5/5 — New system *2024-02-06, version 3.9.1* It will take a minute a learning curve but Tucoemas has fantastic employees! --- *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 2026-09-10.*