# UMe Mobile — UMe Federal Credit Union

> Mobile banking app for UMe Federal Credit Union accounts with transaction and card management features. (iPhone/iPad app by UMe Federal Credit Union.)

- Source: https://appshunter.io/ios/app/ume-mobile/id1661272268 (this page in markdown: same URL + `.md`)
- Developer: [UMe Federal Credit Union](https://appshunter.io/developer/811607759)
- Category: Finance
- Price: Free
- Rating: 4.80/5 from 589 App Store ratings · 13 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.1 · 183 MB
- Languages: American English, French (France), European Spanish
- Released: 2023-04-25
- Data updated: 2026-08-29
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/ume-mobile/id1661272268/reviews.md

## What is UMe Mobile?

With the UMe Mobile App, U can safely and securely access your UMe accounts anytime, anywhere. UMe Mobile is easy to navigate and allows you to: 

- View Account Activity & Check Balances
- Deposit Checks 
- Enjoy enhanced Card Controls, such as enable and disable your card(s) in real time, set spending limits, create travel notifications and control where your cards can be used 
- Pay Bills 
- Send Money with Zelle® 
- Transfer Funds 
- Make Bank-to-Bank Transfers 
- View & Print eStatements 
- Locate our Branch or a Fee-Free ATM 
- Contact UMe Member Service via Phone or Secure Messaging 
- Share UMe Mobile with Friends & Family 

Security 
Here at UMe, we take your security very seriously, which is why mobile deposits with our app are just as safe as deposits at an ATM or in our branch. Your photos are transmitted immediately to UMe and never stored on your device. And your account info is secured by encryption. 

Contact Us 
Please contact us at (818) 238-2900 if you have any questions about the UMe Mobile App.

## Key features

- View account activity and balances
- Deposit checks remotely
- Enhanced card controls (enable/disable, limits, travel notifications)
- Pay bills and send money with Zelle®
- Transfer funds and make bank-to-bank transfers
- Locate branches and ATMs
- Contact member service

## What do users think of UMe Mobile?

Overall sentiment: negative

**Pros**

- 🚀 Easy and convenient transaction completion
- 💰 Saves time and money on travel to physical branches
- 💡 New features make online banking easier
- 👍 Customizable dashboard and improved layout
- 🤝 Excellent customer service and hospitality
- ⚡ Fast and easy customer support assistance

**Cons**

- 🔐 Excessive authentication requirements with verification codes
- 🐛 App frequently gets stuck on screens with unclickable buttons
- 😤 Confusing and poor user interface design
- 💸 Hidden monthly fees for statement delivery
- 🔄 Lost functionality from previous app version
- 📱 Multiple bugs and glitches throughout the app
- 🔗 Requires re-linking of external bank accounts after update
- 👁️ Missing printer functions
- 🔔 Notifications and alerts not working after updates

**Commonly reported bugs**

- App stuck on verification code screen with unclickable button
- Notifications and alerts stopped working
- Login lockouts after app updates
- Verification code required every app launch
- Zelle sending option not functioning properly
- Missing printer functions
- Occasional crashes and freezes
- External bank account links lost after app migration

**Most requested features**

- Return of Emu (alpaca) mascot character
- Improved pending transaction visibility
- Better integration with direct deposit display
- Simplified authentication process

## Recent user reviews (10 of 13)

All indexed reviews: https://appshunter.io/ios/app/ume-mobile/id1661272268/reviews.md

### 1/5 — UmeMobile

*2025-07-23, version 25.07.04*

No printer functions visible anywhere terrible frustrating app

### 1/5 — No notification

*2024-10-10, version 24.09.16*

New update has stopped all Notifications/Alerts

### 1/5 — Love the people, App keeps getting me stuck

*2024-04-22, version 24.02.1*

Mine is stuck on the screen that wants me to get a code (again) but the button can’t be clicked. “I would” put money in, and check my balance though this app, but it won’t let me. It’s not the first time, it has left me unable to use it. I was locked out also when the app updated to a entirely new app. There’s nothing left to do here I need to call in for human help.

Every time I go to use this app I can’t because it needs an update.

### 1/5 — Hidden fees

*2023-09-25, version 23.09.1*

Signed up with ume because I was sick of hidden fees with Wells Fargo. I told them this. They said no hidden fees beyond initial setup. When I check my account 2 months later they’ve been charging me 5 per month to send my statements in the mail which I never asked for. Very sketchy, and dishonest. Just another greedy bank don’t let them fool you.

### 5/5 — Love the app!

*2023-07-16, version 23.06.1*

I absolutely love how easy it is to complete transactions, especially because I’m about 45 mins away from the physical bank. Saves me a lot of time and gas $$. I once moved to Missouri for work & still kept this bank, after trying others and wasn’t happy. The only thing I miss is opening the app & having Emu (alpaca) ask me how he can help? Lol

### 5/5 — The new features

*2023-07-05, version 23.06.1*

The new features make it so much more easier to do things online. Like transferring money to other accounts, and other things you cannot easily do when not near a branch and

### 3/5 — Love the people, App keeps getting me stuck

*2023-06-20*

Mine is stuck on the screen that wants me to get a code (again) but the button can’t be clicked. 
“I would” put money in, and check my balance though this app, but it won’t let me. It’s not the first time, it has left me unable to use it. 
I was locked out also when the app updated to a entirely new app.
There’s nothing left to do here I need to call in for human help.

### 1/5 — New app is HORRIBLE

*2023-06-05, version 23.05.0*

Love the bank and their reps but their new app is so bad. Having to get a code every time I log in is so frustrating and time consuming.

### 2/5 — Headache

*2023-05-24, version 23.05.0*

Had to re-link all external bank accounts. Why would I have to when I had all bank accounts previously linked on the old app. Terrible and confusing UI.

### 1/5 — Garbage

*2023-05-16, version 23.05.0*

Whoever designed this new app should be fired. This app is so bad it makes me want to change banking institutions. Why ditch a great app with convenient features to just dumb it down? You cost your customers time by having to open a computer or go in to the branch. Having to authenticate with a code is cumbersome and the application is filled with bugs. Enough to make me change banks

## Frequently asked questions about UMe Mobile

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

The UMe Mobile App allows you to safely and securely access your UMe accounts anytime, anywhere. You can view account activity, check balances, deposit checks, pay bills, send money with Zelle®, transfer funds, and manage your cards with enhanced controls.

### Is the UMe Mobile App secure for mobile deposits?

Yes, mobile deposits with the UMe Mobile App are as safe as deposits at an ATM or in a branch. Your photos are transmitted immediately to UMe and never stored on your device, and your account information is secured by encryption.

### How can I control my UMe debit or credit cards using the app?

The app offers enhanced card controls, allowing you to enable or disable your cards in real time, set spending limits, create travel notifications, and control where your cards can be used.

### Is there a cost to use the UMe Mobile App?

Based on the provided information, the UMe Mobile App is available for free. There are no mentioned costs associated with downloading or using the app's core features.

### What if I have questions about the UMe Mobile App?

If you have any questions about the UMe Mobile App, you can contact UMe Member Service directly via phone at (818) 238-2900 or through the secure messaging feature within the app.

## Version history (last 5 releases)

### 26.08.26 — 2026-08-26

- Bug fixes.

### 26.08.11 — 2026-08-12

- Bug fixes.

### 26.07.25 — 2026-07-29

- Performance enhancements and bug fixes.

### 26.04.27 — 2026-04-28

- Bug fixes.

### 26.04.02 — 2026-04-09

- Feature enhancements and bug fixes.

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## More apps by UMe Federal Credit Union

- [UMe Mobile Banking](https://appshunter.io/ios/app/ume-mobile-banking/id811607756)
- [UMe CardNav](https://appshunter.io/ios/app/ume-cardnav/id1565820356)

All apps by UMe Federal Credit Union: https://appshunter.io/developer/811607759

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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 2026-08-29.*