# United FCU Card Controls > Manage credit card usage, track spending, and enable digital wallet payments. (iPhone/iPad app by United Federal Credit Union.) - Source: https://appshunter.io/ios/app/united-fcu-card-controls/id1629570786 (this page in markdown: same URL + `.md`) - Developer: [United Federal Credit Union](https://appshunter.io/developer/566086450) - Category: Finance - Price: Free - Rating: 1.40/5 from 97 App Store ratings · 32 written reviews indexed - Age rating: 4+ - Requires: iOS 13.0 · 106 MB - Languages: American English, Canadian French - Released: 2022-07-08 - Data updated: 2026-06-10 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/united-fcu-card-controls/id1629570786/reviews.md ## What is United FCU Card Controls? With United Federal Credit Union Card Controls, you will enjoy more clarity into your card activity and get in-depth insight into your transactions. Download the app today and discover new possibilities when it comes to your card management. FEATURES: • Take Control Choose when and where your cards can be used based on location, merchant type and spend amounts. • See More About Your Purchases Get more information about your card transactions, such as logos, maps, street photos and contact information. • SPEND SMARTER Get important data about your card purchases. Sort spending insights by merchant category, location, and monthly trends. • Go Wallet Free Forgot your card? No problem. With just a few taps, you can add your card to your digital wallet and pay with your phone. • Know Who Has Your Card Track all of the places that store your card information for online or recurring payments. ## Key features - Control card usage by location, merchant, and spend limits - View detailed transaction information with logos and maps - Analyze spending by category, location, and monthly trends - Add cards to digital wallets for mobile payments - Track where card information is stored for online payments ## Recent user reviews (10 of 32) All indexed reviews: https://appshunter.io/ios/app/united-fcu-card-controls/id1629570786/reviews.md ### 1/5 — Just.. Why. *2024-07-06* Consider hiring a UX/UI designer because whoever is updating your app is sending you backwards. A member of my household lost their card and I’m dealing with this situation because you’ve overcomplicated a once simple process and they could not seem to navigate it. I once simply logged into the main app to lock the card but I’m now having to download a secondary app while our card is actively missing, what a waste of time! This is a real step backwards in technology that was already lacking. This app automatically gets 1 star for existing. Between this and the pothole at the Benton Harbor location I’m quite ready to take my primary banking elsewhere. ### 1/5 — Terrible *2023-08-12* Giving 1 star is too generous. Having to use a separate app for the credit card is inconvenient and with no added gain. The app itself does not show a running tally of the total. There is a balance listed at the top and the. Purchases listed are below. However, If there is more than one card holder on the account, their purchases show up under their account and you would have to log in as that person to see those purchases. Previously we could see all purchases on the card. There is no reason for this. If it’s a joint account all purchases should be visible to both parties. It’s difficult to make sure the card hasn’t been compromised and to keep track of balances this way. Not to mention it takes several steps now to pay the balance. There is no reason for it to be this hard. The only reason I haven’t left is because we have had this card for many years and it helps the credit score. Nothing good to say about this app at all. Terrible. ### 1/5 — ‘The stupidest thing I’ve ever heard’ *2023-04-16* At first when I tried this app I thought ‘you have to be kidding me’ and it only got worse. If I didn’t have my credit card there for a long time I would close out my accounts. Why change this and make the process less user friendly, more clunky, more time consuming, and overall like a dinosaur? You’re taking steps back United. ### 1/5 — Two massive issues *2023-04-05* The biggest issues with this app is that it regularly applies your payment to the wrong card if you have more than one UFCU card. This has put me in a precarious situation several times and had a negative impact on my credit score by artificially inflating my utilization rate. The second issue is that if frequently dissconects from the UFCU app and has to re-installed just to log in. You can’t count on it to work when you need it. If the app had an internal feedback function i could have raised these issues with the dev, but alas had to come blast it in the App Store. The implementation of this has been severely detrimental to my previously excellent UFCU experience. ### 1/5 — Terrible *2023-02-22, version 6.0.1* I used to really like banking with ufcu. Now it just feels like chemical or first source all over again. I’m closing my credit card account- they obviously want to make it difficult to pay so you rack up interest. ### 1/5 — Why? *2023-02-20, version 6.0.1* No new functionality that is even close to necessary. Need an extra app to do all the stuff I could easily do before…in 1 app. Edit: enough of a pain that I got a new CC and now thinking about leaving UFCU entirely. ### 1/5 — Lost a customer *2023-02-12, version 6.0.1* Just another useless app that’s only intention is to gather and sell our data. As if they already don’t rob us enough as it is. I will be paying off the remaining balance of my card and closing out my accounts. Remember, to be a private system, you must be allowed PRIVACY. ### 2/5 — Needs to be better as a stand-alone app *2023-02-11, version 6.0.1* The functionality is good, but it’s nuts that if you open the app it does nothing unless you access it through the main UFCU app. Just make me log in and verify here too — it’s too messy to have to open an app, go to two sub menus and then click a link that redirects me to card controls. ### 1/5 — I hate this app! *2023-01-30, version 6.0.1* I need to be able to see all my transactions at all times no matter which card on MY account that was used! How am I supposed to review and balance this account? Why can’t I see transactions or payments made by the other card on the same account as mine? Oh wait, till a statement is created a month later? No! This is ridiculous! I should be able to see ALL transactions live as they happen on the account! It makes it impossible to pay the full balance accurately! Maybe that’s why it’s set up this way? So no customer can ever pay the full balance off? ### 1/5 — Horrible Design and Decision *2023-01-09, version 6.0.1* This was an absolutely terrible decision. Not only does every other bank I use only have a SINGLE app for everything, and this is exceptionally inconvenient in comparison. Now I have to consider the security of another banking app? Bad decision United FCU. Please make the right call and improve the original app and phase this out. ## Frequently asked questions about United FCU Card Controls ### What does the United FCU Card Controls app do? This app provides users with enhanced control and insight into their credit card activity. It allows you to set usage preferences, view detailed transaction information, track spending habits, and add your card to a digital wallet for mobile payments. ### How can I control where my card is used? The app allows you to set specific controls for your card's usage. You can choose when and where your cards can be used based on factors like location, the type of merchant, and the maximum spend amounts you set. ### Is the United FCU Card Controls app free to use? Yes, the application is available for free download and use. There are no in-app purchases or subscription fees associated with its core functionality. ### Can I use my card for mobile payments with this app? Yes, the app supports adding your card to your digital wallet. This feature allows you to make contactless payments using your phone, even if you've forgotten your physical card. ### How does the app help me understand my spending? The app offers detailed insights into your card purchases. You can sort and analyze your spending by merchant category, location, and monthly trends, helping you to spend smarter and identify spending patterns. ## Version history (last 5 releases) ### 23.3.0 — 2023-12-06 This app update includes new features, bug fixes, and security improvements. ### 22.4.4 — 2023-03-28 Issues with Login using Face ID have been fixed along with other bug fixes and minor enhancements. ### 22.4.3 — 2023-03-10 We are continually releasing new updates to further improve your mobile banking experience. This version includes user interface improvements, security updates and bug fixes. Please be sure to turn on automatic updates to make sure that your app is always up to date. ### 6.0.1 — 2022-08-22 United FCU Card Controls ### 6.0.0 — 2022-07-08 No release notes. ## Apps similar to United FCU Card Controls | App | Rating | Price | Category | | --- | --- | --- | --- | | [Honor CU Mobile](https://appshunter.io/ios/app/honor-cu-mobile/id1202400945) | 1.7 (84) | Free | Finance | | [The United Mobile Banking](https://appshunter.io/ios/app/the-united-mobile-banking/id1460277347) | 4.0 (4) | Free | Finance | | [FNB of Fort Smith](https://appshunter.io/ios/app/fnb-of-fort-smith/id1582846462) | 4.8 (3,908) | Free | Finance | | [Macatawa Bank Mobile Banking](https://appshunter.io/ios/app/macatawa-bank-mobile-banking/id917765779) | 4.6 (825) | Free | Finance | | [Interra Credit Union](https://appshunter.io/ios/app/interra-credit-union/id538051117) | 4.8 (8,983) | Free | Finance | | [CWAnyWhere](https://appshunter.io/ios/app/cwanywhere/id1330269355) | 4.9 (1,495) | Free | Finance | ## More apps by United Federal Credit Union - [United Federal Credit Union](https://appshunter.io/ios/app/united-federal-credit-union/id566086307) All apps by United Federal Credit Union: https://appshunter.io/developer/566086450 --- *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.*