# UHCU Mobile

> Mobile banking app for account management, transfers, deposits, and bill payments. (iPhone/iPad app by United Heritage Credit Union.)

- Source: https://appshunter.io/ios/app/uhcu-mobile/id699602324 (this page in markdown: same URL + `.md`)
- Developer: [United Heritage Credit Union](https://appshunter.io/developer/425753904)
- Category: Finance, Business
- Price: Free
- Rating: 2.90/5 from 112 App Store ratings · 60 written reviews indexed
- Age rating: 4+
- Requires: iOS 16.0 · 54 MB
- Languages: English, Portuguese, Chinese, Spanish, Chinese
- Released: 2013-09-19
- Data updated: 2026-08-24
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/uhcu-mobile/id699602324/reviews.md

## What is UHCU Mobile?

The UHCU Mobile App gives you fast and secure account access from your mobile device.  
•	Check account balances
•	Transfer funds between accounts
•	Deposit checks anytime, anywhere through Mobile Check Deposit*
•	Pay your bills**
•	Make a loan payment
•	View transaction history
•	Find branches/ATMs
•	Contact us

As always, these services are designed to protect your privacy and personal information with the same level of security as Online Banking. 

There is no charge to download and use the UHCU Mobile App, but standard messaging and data rates from your wireless provider may apply. 

For United Heritage Credit Union members. Learn about membership and join online at uhcu.org

Federally insured by the NCUA. 

*To qualify for this Service, you must meet eligibility criteria as dictated by United Heritage, including having all accounts in good standing. Eligibility of this Service is determined at the full and complete discretion of United Heritage and may be withdrawn at any time.

**Members can schedule payments or review activity for all payees via the UHCU Mobile App. To add or edit payees, Web BillPay must be accessed within Online Banking from a desktop computer.

## Key features

- Check account balances
- Transfer funds
- Mobile check deposit
- Bill pay
- Loan payments
- View transaction history
- Find branches/ATMs

## What do users think of UHCU Mobile?

Overall sentiment: negative

**Pros**

- 👍 Easy to use
- 👍 Intuitive interface
- 👍 Serves banking needs
- 👍 Great customer service
- 👍 Functional and quick
- 👍 Good experience
- 👍 Excellent app

**Cons**

- 🐛 Unreliable performance
- 🐛 Slow loading times
- 🐛 Outdated interface
- 🐛 Frequent maintenance downtime
- 🐛 Login issues
- 🐛 Inconsistent functionality
- 🐛 Poorly constructed app
- 🐛 App crashes
- 🐛 Freezes during login
- 🐛 Difficult to navigate
- 🐛 Not user-friendly
- 🐛 Useless features
- 🐛 Glitchy app
- 🐛 Broken after updates

**Commonly reported bugs**

- Card management not working
- Login authentication failures
- App refuses to launch Face ID consistently
- Password change issues causing alerts on other devices
- Server error preventing login
- Interface blown up after update
- Blank dropdowns for account transfers
- Back button signs out completely
- Registering device not working (requires verification code every time)
- Mobile deposit not working
- Camera not opening for check deposit
- Payees not deleting from mobile app
- App crashes during transactions
- Unable to update personal info
- App dims but doesn't log in
- App shuts down on login attempt
- App freezes on login screen
- App requires download of new iOS app but then can't log in
- App not working well with Apple 8
- Unable to pay bills (submit/review button disappeared)
- Transfers within account not updating
- Combining transfers not helpful
- Unable to access account
- Unable to get to deposit screen
- Web bill pay payees and history gone

**Most requested features**

- Card management function (block/unblock)
- Zelle integration
- Member to member transfers
- Notifications for transactions
- Face ID support
- Touch ID support
- Mobile deposit feature
- Web bill pay access
- Update for newer iPhones
- Dark mode option

## Recent user reviews (10 of 60)

All indexed reviews: https://appshunter.io/ios/app/uhcu-mobile/id699602324/reviews.md

### 1/5 — Only works half the time

*2026-08-06, version 9.0.260200*

You would hope that your banking app would be reliable but I genuinely think they have a team of 1 or 2 developers running this app and I don’t think they know what they’re doing :/ not trying to be a Karen but it’s kinda frustrating to have your banking app only work every now and then. It also goes down for “maintenance” seemingly multiple times a week. Idk man I feel like yall have the money to make this app run better lol

### 1/5 — Card Management

*2026-06-12, version 9.0.260200*

Left my card behind. Just found out the card management function is not there. Not cool. What happens now that I can’t block my card and someone finds it and makes purchases. I’m out of town and now the app is useless!! Only option is to cancel and I won’t be home for 5weeks now. U got to be kidding me!!

### 2/5 — Outdated

*2026-06-10, version 9.0.260200*

Doesn’t work half the time and is slow. Customer service people are kind but the app itself is pretty poorly constructed.

### 1/5 — Major issues for too long

*2026-03-19, version 9.0.250600*

First and foremost the issues with the card management and not being able to lock and unlock your card directly from the app for the past 8 months is ridiculous!!! Can cause people major issues especially if someone is trying to hack card etc! Shouldn’t have to call bank every time you want to lock and unlock the card! Makes me want to leave this bank all together to be honest! Lastly the fact that Zelle is not an option is not ok either! Get with the program!!

### 1/5 — Fix Debit Card Management!!!!!

*2026-03-04, version 9.0.250600*

For MONTHS now we have been unable to turn our debit cards off within the app. This wouldn't be so bad if the phone system wasn't so cumbersome and almost never works as intended. 

No reason this shouldn't be fixed already.

### 2/5 — Member to member

*2026-01-08, version 9.0.250600*

I used to be able to send money to family member until they took away members to member from the app!!!.. Please bring back member to member on the app!! So much easier when i am able to send money to family member. We have same bank!!!

### 3/5 — Can’t prevent my money from being taken unauthorized.

*2025-12-10, version 9.0.250600*

There had been an issue with the debit card management feature for almost 2 months. I can’t even keep my money safe, or lock it if it gets stolen or something. I have to call and go thru 10 stupid minutes of automated services for anything regarding my card

### 3/5 — Zelle

*2024-12-31*

So there is no Zelle feature in this app which makes it really hard to like it. I have customers that do not use cash app etc (they steal from you) and Zelle is direct to accounts. It was ok but now in 2025 unless it’s built in feature you cannot attach your account to the third party main Zelle app and use it like that. My bank is too far to drive to the ATM and deposit my checks or cash every-time. Please make Zelle part of the app features. I do not want to have to switch banks again.

### 1/5 — Can’t login regularly

*2024-09-18, version 9.0.5907*

I’m only able to login about 40% of the time. Most of the time I receive “Authentication has failed”, when nothing has changed with my login.

### 5/5 — Very impressed

*2024-08-08, version 9.0.5814*

The app has been great and serves all of my banking needs while on the go. I look forward to all the enhancements in the future.

## Frequently asked questions about UHCU Mobile

### What can I do with the UHCU Mobile App?

The app allows you to securely access your accounts, check balances, transfer funds between accounts, deposit checks remotely, pay bills, make loan payments, view transaction history, and find branches or ATMs. It offers the same level of security as online banking.

### Is there a cost to download or use the UHCU Mobile App?

There is no charge to download and use the UHCU Mobile App. However, standard messaging and data rates from your wireless provider may apply.

### Who is eligible to use the Mobile Check Deposit feature?

To qualify for Mobile Check Deposit, you must meet specific eligibility criteria set by United Heritage, including having all your accounts in good standing. Eligibility is determined at United Heritage's discretion and can be withdrawn at any time.

### How do I add or edit payees for bill payments?

While you can schedule payments and review activity for existing payees via the UHCU Mobile App, you must access Web BillPay within Online Banking from a desktop computer to add or edit payees.

### Is the UHCU Mobile App available for all credit union members?

The app is designed for United Heritage Credit Union members. If you are not yet a member, you can learn about membership and join online at uhcu.org.

## Version history (last 5 releases)

### 9.0.260200 — 2026-04-28

Feature enhancements and bug fixes.

### 9.0.250600 — 2025-07-29

Feature enhancements and bug fixes

### 9.0.51001 — 2025-03-06

Feature enhancements and bug fixes

### 9.0.5907 — 2024-08-09

Feature enhancements and bug fixes

### 9.0.5814 — 2023-12-11

Feature enhancements and bug fixes

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## Related topics

[uhcu mobile](https://appshunter.io/ios/topics/uhcu-mobile) · [uhcu](https://appshunter.io/ios/topics/uhcu) · [myuhc.com/exchange](https://appshunter.io/ios/topics/myuhc-com-exchange)

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*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 2026-08-24.*