# UFCU — user reviews > 53 indexed App Store user reviews of UFCU by University Federal Credit Union, rated 4.50/5 from 8,203 ratings. - Source: https://appshunter.io/ios/app/ufcu/id1490447967/reviews - App overview in markdown: https://appshunter.io/ios/app/ufcu/id1490447967.md - Rating breakdown: 5★ 6,859 · 4★ 374 · 3★ 103 · 2★ 101 · 1★ 766 ## What do users think of UFCU? Overall sentiment: negative **Pros** - 👍 Easy to use - 💡 Useful new features (e.g., CardKeeper, Express View) - 🚀 Improved performance and responsiveness **Cons** - 🐛 Frequent login issues and password reset problems - 🔨 Buggy mobile deposit feature - 🤔 Confusing UI changes compared to previous app - 🤷‍♀️ Lack of communication about app transition **Commonly reported bugs** - App crashing and becoming unavailable - Issues with check deposit (blurry images, errors) - Inconsistent behavior across login, balance, and transaction views **Most requested features** - Bring back the old app with updates - Add more customization options - Improve mobile deposit functionality - Integrate website and app login credentials ## Newest reviews (17 of 53) ### 2/5 — Worse with every update *2023-09-06* I do not understand how an app continues to get worse with every update, ESPECIALLY for a credit union based in a city with tech companies out the wazoo. Mobile deposit have never been stellar but with this latest version, no matter what I try, dark surface, manual picture, flat as flat can be, it will either not recognize the front numbers, says the sizes don’t match when taking a pic of the back of the check, and clearly the same AI that rejected it the first time is also doing the review, thus again rejecting. So now I have to drive an hour to the local coop branch to deposit in person. And don’t do an auto response about how sorry the developer is and to call UFCU. Get the flipping app done right! **Developer response:** Thank you for your feedback. We apologize for the difficulties you experienced with our new application. We are looking into this issue. For further assistance, please contact us at 512-467-8080. Thanks! ### 3/5 — Not working anymore *2022-08-24, version 2019.1.323* I have found this app to be very handy until a couple days ago - I clicked on it and got “error try again” time after time after time. I deleted the app and reinstalled it and I’ve done that probably six times over the last three days and I still am getting the error message that just says retry. It’s trying to tell me that I have no Internet but I do have Internet if you have any suggestions as to what I could do to get this app to work I would be very grateful thank you- ### 1/5 — Good bank bad app *2022-01-30, version 2019.1.323* While UFCU’s phone and (what’s left of) their in person service continues to be good, their online services and this app in particular is about the most subpar I’ve experienced in 20 years. The basic services don’t work fairly often (eg right now it’s noon on Sunday and I can’t make a simple 15 dollar mobile deposit and am getting an error msg that says the app is offline between 9 pm and 2 am). It’s also difficult/counterintuitive to make transfers to external accounts, wire money and change basic personal info when needed. I really want to support my credit union but the online services are making it hard to do that. ### 1/5 — Terrible app *2022-01-23, version 2019.1.323* Why does this app have a finger print identification function that you allow, and a save login information button on it? Every time I reopen the app it seems that I have to re-enter my login information and if I remember it and don’t have to reset for the 10th time in two weeks, it then asked if I want to authorize my fingerprint again?! That and the app won’t let my iPhone save the login information so I have to pray that I get the password correct even though I have to change it every time I login. I am deleting this app and going back to using the browser. ### 2/5 — Limitations!!! *2022-01-05, version 2019.1.323* It is a REALLY big inconvenience that I can’t do with my card, what I want to, WHEN I want to. The app/services are so limited. Things on the app only work within certain windows of time, and the “self service” option(s) through the automated service is absolutely useless! Why must I speak with a representative to make certain changes to my account? Why can’t I block my card (temporarily) at a moments notice? Why if I call after hours to have the card blocked, why is the team available, only able to permanently block my card or their access be limited on what they can do as well? Why? WHY??! I’m constantly having to remember to do things within “business hours” that should just be available to me. Whether I’m doing it through the app or online account. Which is just a mirror of the app on things you can (or cannot) do. I really hate this part of UFCU. We are entirely too far into the technology age for this app to be this lackluster. Please don’t just leave this like this. PLEASE fix this. Because this level of inconvenience and frustration at 11:05pm at night is the type of stuff that makes me (want to) walk away from businesses. **Developer response:** We are really sorry for the trouble and we appreciate you bringing this issue to our attention. We will look into this further! ### 3/5 — Poor user experience *2021-12-08, version 2019.1.323* Overall I’m still able to do what I need to but the user experience could use some polishing. For example when creating a new password it doesn’t specify which special characters are invalid so after typing out my new password twice I get an error after submitting and it doesn’t state specifically what was wrong other than invalid characters were used. It’s a minor inconvenience but an annoying user experience. ### 1/5 — Who do you use to make your apps? *2021-11-08, version 2019.1.323* Seriously, who do you employ to create your apps, because you’re a bank- you literally have money to pay professionals to do this, rather than using your nephew’s freshmen high school programming class. Seriously, contact me, and I promise I will make you all a better app- and I promise you can pay me way less than whatever company scammed you into using their services. Great bank. Terrible website and terrible apps. Returning to update: your app continues to be garbage… why do you have a function that says “save id” if I have to sign on everytime to use your app. It wants me to confirm Face ID everytime. It literally is TRASH. I’m considering goin with another bank- this is ridiculous. ### 1/5 — I really hate this *2021-09-23, version 2019.1.323* I liked the old version better. Gave you the ability to log in using a PIN versus typing your log in and password every single time even after hitting the “save” option. Then it has had me redo my password so many freaking times and when I put the password I thought I used it said “can’t be previous” but yet it would let me log in with it. I am beyond frustrated with the new app. It isn’t friendly in the slightest. Seriously. Give back the old app. This is getting ridiculous. I have logged in via website and it’s easier to use than the app. It’s a huge disappointment. ### 1/5 — Crap App *2021-07-07, version 2019.1.323* I was really looking forward to using this “improved” app…but no luck. Although it does have some much needed functionality like transferring between linked accounts, I can hardly ever use it. The app forgets my password weekly and when I try to reset it; I never receive the temporary password that it is supposed to email me. One of the four times it told me I didn’t have a valid email address on file despite banking with UFCU for over 20 years. So here I go again for the x time (lost count at this point) calling customer service (between 9-5 M-F no doubt) to get them to manually send me a temporary password so I can set my password to have the app forget it again next week. Beyond frustrating…I’ll probably just use a browser quite honestly. And why does the mobile app need a different password than the regular online banking? Makes no sense at all. ### 1/5 — Why is the whole thing so bad *2021-06-29, version 2019.1.323* I came here specifically to say how bad this app is. I love UFCU as a bank, but they really need to hire a team to fix this app. It’s really bad. Everything from the choppy pages, to the tiny balance amounts, to the eMailbox page where you can’t type past the keyboard because there’s no option to scroll; it’s all terrible. And on top of that it says to allow 2 business days for a response when you email them? I won’t get started on how pixelated everything is too. I think every banking app in the App Store is more competent than this one unfortunately. It’s just disappointing that it’s 2021 and UFCU thinks we can use something this archaic and they get to call it a “feature”. **Developer response:** Thank you for your feedback. We apologize for the difficulties you experienced with our new application. For further assistance, please contact us at 512-467-8080. Thanks! ### 2/5 — Recent issues *2021-06-22, version 2019.1.323* App worked fine up until maybe two three days ago, every time I try to log in it tells me service is unavailable and to try again shortly, whatever. What really bites is it doesn’t even recognize that I’m enrolled on the website… I’ve been enrolled with mobile banking through UFCU since I switched to them in 2016! Fix the app it doesn’t take 72 hours to determine the issue. Either way fix the mobile banking or suffer an influx of calls from disgruntled mobile users. ### 1/5 — Terrible app. *2021-04-21, version 2019.1.323* This app continues to bug out and unenroll you from it even after you have set it up. I’ve had to now do it 4 times. You enroll and set up mobile banking (which you already had from the last app they had but whatever) and set up a new password, then the app works fine for a day or so, then it will log you out (even when clicked remember me/quick balances) and when you try to log back in it will say “you have to enroll in mobile banking” so then you have to go through the whole process again of enrolling and setting yet another new password for it, then are able to use the app for a day or so before it breaks again. Rinse and repeat. It’s getting so frustrating I’m considering switching institutions. I shouldn’t have to register every time I need to transfer money or view my balance. **Developer response:** Thank you for your feedback. We apologize for the difficulties you experienced with our new application. We are looking into this issue. For further assistance, please contact us at 512-467-8080. Thanks! ### 1/5 — They use to be better than this *2021-03-05, version 2019.1.323* UPDATE: app is still subpar. New issue with the recent transactions not appearing, even though they were shown the time before when logging into app. This has happened every other day for the passed week. I’ll randomly login and can only see transactions from 30 days ago and prior The old app quit working weeks before any email or notice was given about the new app... super disappointing. Now I finally enroll on the new app and the service isn’t available... their in person service is top notch, their app use to be ### 1/5 — Please go back to the old app!! *2021-02-08, version 2019.1.323* This new app is terrible! It is harder to use, the mobile deposit is SO VERY DIFFICULT, and it is not esthetically pleasing at all. Just last night and today I tried to use the mobile deposit. Last night it gave me an error saying it wasn’t able to take a deposit. Today it was ready but golly what a hassle! I tried it with the default manual setting and couldn’t get it to work so I went to auto. It took pictures that were blurry and gave error messages I didn’t understand. It also kept taking pictures after it took the picture of the check with the countdown. The old app is SO FAR SUPERIOR FOR THE USER!!! Please go back! ### 1/5 — Not user friendly *2021-01-20, version 2019.1.323* I tried to capture a check for mobile deposit 12-times before it was accepted. The previous version of this app never had an issue. When I called to report the issue, I was told by UFCU that “sometimes the lighting and angle can affect the photo capture....” which is pretty insulting. The conditions for taking the photo in my end have not changed. I tried to capture a photo of the check in the same spot on my desk with the same light as before. This is one of many small issues I’ve experienced with UFCU in the last year. I’m at the end of my rope, which is such a shame after 17-years of what WAS a great relationship. ### 2/5 — The old was way better *2021-01-13, version 2019.1.323* I really liked the old app, this new one is not the best quality, when doing mobile deposit when the photo is taken of the back of the check you can’t read it, it comes out all black and scratchy and digital like, the old app would use the actual photo. So most of my deposits now have to go for review because it says cant read this or that when it’s very clear in the photos. My Face ID isn’t working any longer, And there is no place for me inside the app to turn it on. I’ve tried for an update, but there isn’t one, and I’ve tried in the app, nothing. I guess the lesson here is if it’s not broke don’t fix it ### 2/5 — Can’t sign in *2021-01-01, version 2019.1.323* This app won’t let you sign in with your existing account. Instead, you have to create a new account. When I tried to do this, it rejected every password I tried to use, with no reason provided. What a dumb thing. The last app worked fine! Update: after restarting the app 4 times, it finally let me in. I’m updating to two stars because it’s functional. Here’s the thing: this app is not user friendly. I’m a UX designer, and I am baffled by the decisions they made at every turn. Especially since, as mentioned above, the last app was better! Why not, at the very least, copy its UI elements into the new framework? ## Most critical reviews (10 lowest-rated) ### 1/5 — App Used to work for me about a year ago *2023-06-21* Haven’t been able to log in for almost a year and a half. One day, the app randomly booted my log in information and face ID. I went to reset my password since I had forgotten it and relied on the app’s auto saving/face id function to access my account. What followed was not being able to continue using the app despite numerous attempts to delete and reinstall it, the same error message displaying every time I entered the correct log in data to try to accessing mobile banking. Upon changing over to another iPhone and redownloading this app, I was still unable to log in. Logged in twice every month to pay my 2 loans with ufcu via safari on ufcu’s website because of the app’s improper function. Very inconvenient. When the app worked for me, it was just fine, no complaints; I haven’t been able to login for A YEAR and the same message displays to this day despite entering the proper login info…. Absurd. **Developer response:** Hi, we're sorry to hear that and we would love to take a look at the issue. Please reach out to our customer support team at 512-467-8080. ### 1/5 — Get a real developer. *2023-02-12, version 2019.1.323* This thing essentially wasn’t tested. That’s the big thing you need to know, if nothing else. The UI looks like something from 1998, except without the robustness of information you got in tools of that era. It’s unintuitive and merely ugly. It’s prone to bugs that would have come out in even casual testing. For instance, right now when I open the app a dialog box shows up saying “Error not found in listing”. Well that’s useless. Why even tell me that? Each time I try to write my password the box shows up again, interrupting me, and blocking me from writing. Best yet, it resets what I’ve written so when I try to write the password it starts over. In other words, some unexplained error is allowed to shut down your use of the app. You get no explanations. You get nothing. Whatever bottom dollar, no name company you farmed this out to, find someone else. There are CS students who do better work. Pitiful. One star is too high a rating. ### 1/5 — Still doesn’t work *2023-02-04, version 2019.1.323* I’m writing a follow up review to one I wrote a few weeks ago which UFCU actually responded to claiming that the mobile deposit feature had been fixed with the new update. It has absolutely not been fixed, as a matter of fact it has gotten even worse. The app will allow me to take a front picture of the check, revert from landscape to portrait and then freeze: not allowing me to photograph the back of the check. If it does revert back to landscape, half the screen is black! So even if I am able to take a photo I get error message after error message over and over and over. I have been trying to deposit my check for over a week now!! I have tried changing the settings on my phone and I have tried multiple times. It’s 2023!! This is a horrible glitch to have happen repeatedly and is affecting my already sad financial situation so negatively. I don’t live in Texas anymore so I NEED mobile deposit and I love(d) UFCU but this is dealbreaking. I will be looking for another financial institution. **Developer response:** We sincerely apologize for the troubles you've had with the app. The check deposit issue has been corrected with IOS 16.2 update. Please contact us at 512-467-8080 if you need any assistance. We look forward to speaking with you soon! ### 1/5 — Deposit feature doesn’t work!!! *2023-01-31, version 2019.1.323* I have complained in person at the bank, and now I’m complaining here. The feature for mobile deposit will only photograph the front of the check. When I try to photograph the back, the orientation of the frame changes and blacks out half of the image, and will not allow me to photograph the whole check. Half of the frame is blacked out! I’m sure I’m not the only one with this experience. Please fix your app, because it’s basically useless to me now without that feature. ### 1/5 — Can’t Deposit Check *2023-01-01, version 2019.1.323* This has been going on for weeks and weeks, but I cannot deposit checks anymore. I can scan the front of the check, but then, when the program switches to scan the back of the check, it glitches out and half of the screen is black, and it does not detect the check. I’ve been a member for almost 20 years, and in this day and age, not being able to deposit a check with the app is unacceptable. Especially when I am told every time I go into the branch to “just use the app” 😡 ### 1/5 — Can’t scan the back of a check *2022-12-12, version 2019.1.323* I’ll say what many others have said: I love UFCU and the people there are just wonderful but this app really stinks. My current difficulties are: (1) The app can’t take a photo of the back of a check for mobile deposit on an iPhone because the camera gets all weird. (2) The app basically never can read the information from the front of a check so nearly all mobile deposits have to be reviewed. (3) I cannot switch between my personal and business accounts. I ended up using my iPhone for the business account and my iPad for my personal account. Not a workaround that I enjoy. ### 1/5 — Epic fail *2022-11-08, version 2019.1.323* I don’t know what happened with this app. I have been a UFCU client for more than a decade and their app has never been so buggy. It recently started showing an error “We’re sorry but the Mobile application is currently unavailable”. On top of that, their app cannot communicate properly with my phone camera when I try to deposit checks. Taking a pic of the check front works fine but when I am supposed to take a picture of the back of my check, half the screen (as seen through my camera) all of a sudden becomes black. It’s impossible to take a picture of the check that way. What happened??? ### 1/5 — Mobile deposit just stopped working *2022-10-26, version 2019.1.323* I have a relatively new iPhone 13. It’s great, every app and function works. Except…wait for it…UFCU’s horrible app. Out of nowhere the single feature I use the most, mobile check deposit, stopped working. Glitches on the screen where you take a photo of the back of the check. And no, it’s NOT my phone. UFCU customer service is no help either. I sent three messages, got generic replies. I even went to the trouble of doing a screen recording to show the exact issue, shared that with them. Crickets. I actually like UFCU as a bank but the app is a deal killer. I’m going to switch banks. ### 1/5 — Horrible app from 2006 *2022-10-03, version 2019.1.323* This app is bad enough to make me consider switching banks. Seriously! And I’m not the only one who feels this way, judging by the comments. I’ve been a member for years, and for YEARS this app has been terrible, including the old version of the app before the switchover. Having separate login credentials on the website vs the app is INEXCUSABLE. The thing that drives me absolutely crazy is they have not even bothered to fully implement apple’s secure login authentication, that has been around a decade. I open the app and rather than it immediately scanning for Face ID, or having a simple button to scan, I have to hit the passwords button, manually select my password. Then the kicker is you still have to hit the Login button after doing all that. Usually when you choose your password on an app it will also hit “enter” for you and begin the login process. Nope. UFCU wants three clicks to do what other apps would do with zero clicks or one click at most. I’m not even getting into the general slowness and all the random error messages you get, like I’m having this morning… Seriously, people expect better from a financial institution. And it if it wasn’t such a pain to change banks, I would have already switched to another. Thinking about it more, I think I might! **Developer response:** Thank you for your feedback. We apologize for the difficulties you experienced with our new application. We are looking into this issue. For further assistance, please contact us at 512-467-8080. Thanks! ### 1/5 — Too Basic! *2022-03-16, version 2019.1.323* I blocked my card to avoid unwanted charges/transactions and now it won’t give me the option to unblock the card. What is the purpose of a CardKeeper option if I do not have the ability to block it unblock it when I want to? I bank with CHIME which isn’t technically a bank and I’m able to block and unblock my card as many times as I want without any issues EVER! This is truly an inconvenience! Now I’m out of gas and can’t get any because the transaction won’t go through nor will the ATM allow me to take money out. It’s 2022! Your app developers should be ashamed of this app with it’s super basic functionalities that partly work. On top of that the fraud department doesn’t have the ability to trouble shoot this or unblock the card. Well why not???? Isn’t this feature to prevent fraud. It would make sense for them to have access as they are available 24/7. I shouldn’t have to wait until the next business hours to be able to access MY MONEY!!! 😤 This is why I barely use this account and will probably chose to close it soon! **Developer response:** We sincerely apologize for the troubles you've had with the app. We'd be happy to take a look into this for you, please contact us at 512-467-8080. We look forward to speaking with you soon! ## Most praised reviews (10 highest-rated) ### 5/5 — Better than expected *2022-06-05, version 2019.1.323* After reading previous reviews I didn’t even bother trying the app until we had a small amount check we needed to deposit that kept sitting on our kitchen counter. I thought it was worth trying the app just to see if I could get the app to work for a mobile deposit. I enrolled quickly with no difficulty and then the process to do a mobile deposit was very straightforward and went through. When it came time to take a picture of the check, I did need to set the snapshot option to “auto" so that it counted down from 3 and took a pic of my check as I didn’t readily see a button to push to take the pic manually. I was using an iPad Pro so maybe that is why? Otherwise, it was very easy to setup and saved my a drive to the bank for a few dollars deposit. Very nice!! **Developer response:** We are pleased that you enjoyed the app. If there is anything we can do for you, just let us know at members@ufcu.org! Have a wonderful day! ### 5/5 — Nice app *2021-10-05, version 2019.1.323* This app works great and gives me the information I need to quickly evaluate balances and review transaction history. The Mobile Deposit function is great and works well. While there may be some functionality that is not available as it would be through the full online banking site, it feels like that’s more for security reasons than anything. Overall, easy to use and easy to enroll! ### 5/5 — Much Improved!! *2020-12-23, version 2019.1.323* Just downloaded the new UFCU app, and LOVE IT!!! I wrote a harsh review on the previous app, really frustrated that I couldn’t manage transfers from other institutions... and voila, weeks later a new app with my requested functionality—THAT’s customer service (or I wasn’t alone in this reqest 🧐). Now I see all my accounts, can get full account numbers, and manage transfers with face recognition login—ILOVE IT!! Thank you UFCU for really upgrading!! ### 5/5 — Go Back to the OLD app *2020-11-18, version 2019.1.323* I can’t express how terrible this new app is, the old app use to give me no trouble and it was very aesthetically pleasing compared to this windows 98 looking menu. Just compare the rating of the old app to this one! It’s obvious y’all messed up, just delete this crap and go back to the original. Can’t log in to this one but I have no problem logging into the old still using the same user name and password. I really genuinely thought my app got hacked and this “upgrade” was a bunch of hackers trying to get my bank info. That’s how poor this app is mapped out. I really don’t want to put my bank info in this thing **Developer response:** Thank you for your feedback. Sorry for the trouble you are experiencing with our app. For further assistance, please call us at 512-467-8080. Thanks! ### 5/5 — Much better App *2020-11-13, version 2019.1.323* The new app may not look as appealing as other apps but it is an upgrade. After re-enrolling which helped keeping my account more secure I can see the benefits. The card keeper option is great to put Travel notes if I got out of town instead of calling the Contact Center or going to a branch. Also if I misplace my card I can lock it for peace of mind. My information wasn’t updated in my account so I didn’t get the information about the new app launch. I’m happy I have it now & thanks UFCU for getting this app. ### 5/5 — Love it *2020-10-22, version 2019.1.323* I’m not sure why the difference for me and the above rating, but I love the new app. Login is much better, less bugs, and the new features are really helpful. Like I can submit a travel notice quick and easy instead of having to go and call, super helpful! Transferring ability is great, plus all the same old features 👍 Also it just looks more visually appealing hahaha ### 5/5 — Don't listen to negative reviewers. *2020-10-14, version 2019.1.323* I was feeling nervous after reading the other reviews, but I think they may be confused. It seems to have all the same functionality as before with added features depending on your preferences. Ex. It prompted me right away if I wanted to be able to glance my balances without having to log in which is is a great option to have at times. Also, the new UI looks great, a lot more modern and fresh. I was able to use my old login after I re-enrolled. I haven't tried to deposit yet which is mainly what I use the mobile app for so I will update accordingly if I have any issues there. (Note: I do not work for UFCU. Just a regular member expressing my honest opinion.) ### 5/5 — New App Is Great *2020-08-20, version 2019.1.323* I was a bit tee-d off that the original app stopped working out of nowhere with no notice. But after finding the release of this new app I’m absolutely impressed. While I personally don’t agree with some of the design aspects/aesthetics especially the color scheme of the app, it is overall functional. I’d also like to point out that this app reduced long loading screens and is at the very least 50% more responsive than the previous app. I’d also HIGHLY RECOMMEND turning on ‘Express View’ in the settings once you login. Express View gives you a glance at all of your accounts without the need to wait to login and tap through pages to see your accounts. Absolute game changer!! **Developer response:** We are so happy you’re enjoying the new app, especially Express View. We appreciate your feedback and value your membership. ### 4/5 — Please go back to the old app!! *2023-07-05* Update: This app is easy to use now and I like the new login feature of using face ID. They have also gotten the online deposit back to where it works…but I still miss not having canned reports showing what was spent by category and what was deposited by category. Old review from when they first changed: This new app is terrible! It is harder to use, the mobile deposit is SO VERY DIFFICULT, and it is not esthetically pleasing at all. Just last night and today I tried to use the mobile deposit. Last night it gave me an error saying it wasn’t able to take a deposit. Today it was ready but golly what a hassle! I tried it with the default manual setting and couldn’t get it to work so I went to auto. It took pictures that were blurry and gave error messages I didn’t understand. It also kept taking pictures after it took the picture of the check with the countdown. The old app is SO FAR SUPERIOR FOR THE USER!!! Please go back! **Developer response:** Thank you for your feedback. We apologize for the difficulties you experienced with our new application. Please contact us at 512-467-8080 if you need anything further? ### 4/5 — Not too bad *2020-11-29, version 2019.1.323* It’s is a very different layout then the other app. This one appearance is more business and the other one to me is simple. Don’t get me wrong it does the same thing, just with a twist. With this new update I like when you go to transfer and when you put the amount you can still see the balance in the account. Where the other app it took you to a new page. Another plus is being able to see the account and routing number. Only thing not a big fan about this view of the balance. When you 1st look at it just seeing what availability balances it I wanted to know that other stuff I could open up the summary page. And the new not logging in feature ummm not to sure yet but it’s a nice add on for sue. **Developer response:** Thanks for taking out time to rate us. We appreciate your UFCU membership! --- *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 2026-06-10.*