# UCU's Mobile Banking — user reviews > 32 indexed App Store user reviews of UCU's Mobile Banking by University Credit Union, rated 4.80/5 from 1,605 ratings. - Source: https://appshunter.io/ios/app/ucus-mobile-banking/id497930691/reviews - App overview in markdown: https://appshunter.io/ios/app/ucus-mobile-banking/id497930691.md - Rating breakdown: 5★ 1,393 · 4★ 141 · 3★ 37 · 2★ 9 · 1★ 25 ## What do users think of UCU's Mobile Banking? Overall sentiment: neutral **Pros** - 👍 Easy to use - 💡 Convenient mobile check deposit - 🚀 Reliable and dependable - 🔒 Biometric login support **Cons** - 🐛 Login issues (USERPASS LOCKOUT) - 🐛 Inconsistent app performance - 🐛 Camera alignment issues for mobile deposit - 🔍 Minimal aesthetics **Commonly reported bugs** - App getting stuck during login verification - Inability to review account history on new devices - Mobile deposit not working on iOS 9 - One-time PIN causing usability issues **Most requested features** - Mobile check deposit feature improvements - Ability to transfer to external accounts - Consistency across mobile, full, and app sites - Apple Pay support ## Newest reviews (10 of 32) ### 4/5 — Among best Apps of its kind *2021-06-09* Three are only a few things one can’t do on this app and what it can do it does flawlessly. Really 4.5 stars and I’ve yet to experience a 5 star app. ### 3/5 — Intermittent interruption of access. *2021-02-24* Sometimes when logging in the app screen only shows quick balance as a choice, that does not work. ### 2/5 — Locked out of account with correct password *2018-06-15* Every time I try and log into my account now with the correct login information, it says USERPASS LOCK OUT and will not let me into my account. I know the credentials are right as I just updated my password and the mobile site is letting me login. Please fix ### 4/5 — Great app! *2016-03-01, version 3.10.220* Now I can't check my account using only my Apple Watch can please do Apple Pay next! ### 1/5 — Can't deposit checks on iOS 9. :( *2015-09-30, version 3.8.38* Can't deposit checks on iOS 9. No access to the camera. ### 2/5 — Mobile Deposit Feature *2014-12-03, version 2.7.37* The mobile deposit capture feature no longer works well with the iPhone 6. The camera alignment is no longer accurate and cannot capture the entire check. ### 2/5 — no consistency *2014-01-09, version 2.7.37* Would be nice to see some consistency across mobile, full & app sites to reduce confusion. Also, VERY VERY minimal aesthetically. ### 1/5 — One time PIN makes the app + mobile site useless for me. *2013-11-29, version 2.7.37* Why require a one time pin that is emailed and can only be sent a few times without calling? Why not text a PIN number or just use the security questions online like every other online banking app? If the desktop website doesn't need a PIN, neither should the mobile site. ### 4/5 — Gets the job done *2013-11-03, version 2.7.37* Nothing fancy. No flames or useless frippery. I use it to check balances on a daily basis. I've used it to make a camera deposit. It is solid and dependable, just like the UCU. ### 4/5 — Need check deposit to be perfect *2012-02-29, version 2.1.66* This is a great app, it will only be really useful when you add a deposit feature with the camera. ## Most critical reviews (10 lowest-rated) ### 1/5 — New app *2026-07-30* With this new app I’m no longer able to use it on my older iPad. Not happy about this. ### 1/5 — Update… *2023-01-07* Gets stuck “verifying login information”. Sometimes removing the app and replacing it can help. I’ve done that many times, right now it’s still stuck and continues to be stuck. I have to rely on the browser. In my experience, this app is terrible. my phone and app are up-to-date, i’ve done my part, I think UCU need remove and then update their programmers. ### 1/5 — Automatic mobile deposit *2021-08-07* Follow up to review in May. Please fix this critical issue. This app used to have the ability of automatically capturing a check for mobile deposit, but it appears this feature is no longer available. Please fix this feature. ### 1/5 — Ads *2021-02-25* Turn off the ads. ### 1/5 — Userpass lockout — app doesn’t work *2020-11-24* Recently, the UCU app stopped working and tells me “USERPASS LOCKOUT” when trying to log in. Maybe a new update, not sure. It’s very frustrating when I need to check how much is in my account ### 1/5 — USERPASS logout *2020-08-27* 😡😡😡 ### 1/5 — USERPASS Lovkout *2020-02-05* As I’ve seen other people here say, I am also experiencing the USERPASS Lockout problem when I try to login with the right credentials. I’ve contacted UCU about it three times now and they have not been able to fix it. App is useless to me at this point. ### 1/5 — Will Not Load *2019-11-15* For weeks now, I try to log on and the loading circle spins for a long time and then eventually says that the request timed out. My user name and password are correct. I am on WiFi and have authorized data use for this app. It’s useless. ### 1/5 — USERPASS LOCKOUT *2019-06-09* Can’t log in... USERPASS LOCKOUT pops up?? ### 1/5 — Can't review history *2017-04-14* Got a new phone and it won't let me review history, I can transfer but that's it. Worked just fine on my last phone. ## Most praised reviews (10 highest-rated) ### 5/5 — Great Update *2026-06-26* The most recent update to mobile banking has really improved the app UI, and being able to access Kasasa info and card rewards in-app is super convenient. Using a passkey is my preferred security option, and I was happy to see that added. Bank with credit unions! ### 5/5 — A happy customer *2021-12-21* Big thanks to Naomi, Jen, and Kim for all their help in 2021!🤵‍♂️ ### 5/5 — Thank you, thank you, thank you! *2021-10-29* Just had a great conversation with Kim! We had a lot of laughs for a great ending of the day and the week!! She helped me get logged on to both my iPhone and iPad! It was a great phone call! ### 5/5 — Great app! *2021-05-28* Easy to use, reliable, all the features necessary for true mobile banking. ### 5/5 — Nice fresh look! *2021-03-25* Love bill pay, check capture and facial ID!! Wouldn’t go anywhere with out it these days! Actually wouldn’t want to GO anywheres these days so banking right at home makes it easy without a mask! ;) Ok love the option of getting statements now via mobile!!! Woop woop UCU!! ### 5/5 — Awesome app. *2020-02-11* Works great. Love the remote capture to deposit checks on mobile and ability to turn my debit card on and off right on the app. ### 5/5 — Great, easy to use bank app *2017-11-16* It even works with my biometric scanner on my iPhone so I don’t have to remember complicated passwords. Very easy and quick to use. Thank you! ### 5/5 — Absolutely Awesome!! *2013-04-01, version 2.4.5* You can do a mobile check deposit on this app even, which is very convenient if you're away from a branch. I was so excited when I saw this. I'm very pleased with this app. I pretty much never bother to write reviews, but I had to with this one. Thanks, UCU. ### 5/5 — Love it! *2012-02-22, version 2.1.66* Been using this app quite a bit and really love it. So far I haven't found any glitches. Love the features! ### 5/5 — Best banking App I've used! *2012-02-17, version 2.1.66* So there. Good job UCU! --- *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 2026-08-30.*