# University Credit Union — user reviews > 51 indexed App Store user reviews of University Credit Union by University Credit Union (CA), rated 4.80/5 from 4,512 ratings. - Source: https://appshunter.io/ios/app/university-credit-union/id1251951415/reviews - App overview in markdown: https://appshunter.io/ios/app/university-credit-union/id1251951415.md - Rating breakdown: 5★ 4,053 · 4★ 330 · 3★ 70 · 2★ 19 · 1★ 40 ## What do users think of University Credit Union? Overall sentiment: neutral **Pros** - 👍 Easy to use - 🚀 Convenient - 🔒 Secure - 👍 Reliable - 👍 Straightforward interface - 👍 Helpful staff - 👍 Consistent performance **Cons** - 🐛 Mobile deposit issues - 🐛 Unreliable bill pay - 🐛 Slow app performance - 🐛 Difficult to register - 🐛 Lack of features compared to previous version - 🐛 Inconsistent user experience **Commonly reported bugs** - Mobile deposit not recognizing checks - Funds transfer feature not functioning - Repeated errors with check deposits - Inability to access pending transactions **Most requested features** - Restore previous bill pay functionality - Add option to manually enter check details - Improve mobile deposit recognition - Provide more transparency on pending transactions - Restore access to previous payment history - Offer dark mode option - Allow login with PIN ## Newest reviews (13 of 51) ### 3/5 — Recent Log In Glitch *2025-12-22, version 2023.8.0* Overall has been a good app, but for the past couple months it has incorrectly stated that I used the wrong password and login combo. Not every time, but intermittently. The problem seems to arise particularly when I try to log in for the second time in a day. That is, the first log in goes fine, but subsequent ones get rejected. I would try again and get the same message. The first few times it happened I just assumed it was right (though I was pretty confident I was entering it correctly). Today I took the time to explore this in depth and confirmed that it is rejecting a correct login combo. ### 4/5 — Need to Update App Category *2024-02-24, version 2023.5.0* The category of this app is “business”, however, it should be listed as “finance” or “banking” so it’s in the right default app folder. ### 3/5 — It’s not the same how the University of credit Union behaved 25 years ago *2023-11-17, version 2023.5.0* I could walk in and ask for a loan, and walk out all happy. And I had that pride with the University credit union because the credit union knows where I work I for Ucla. I’ve been here for 26 years, I’ve always brags UCU… I tell people go to the credit union. Forget Wells Fargo, forget Bank of America. you will feel better, and UCU. GO TO THE CREDIT UNION THEY MAKE LIKE THE EASIER, BUT IT HASN’T BEEN LIKE THAT RECENTLY. I’M DISAPPOINTED. MY CREDIT UNION NEVER CARED ABOUT MY CREDIT SCORE BECAUSE THEY KNEW WHERE I WORK. THEY KNEW I HAD A JOB AND THEY WILL GET THEIR MONEY FIRST BEFORE ANYBODY ELSE. SO I’M JUST DISAPPOINTING. I’m having a little trouble right now with my phone, but UCU always pull me out I feel neglected. I feel like the red headed step child. I thought left alone. ### 5/5 — Verlaina B *2023-09-04, version 2023.4.0* I love this product, this makes my life so easy. ### 4/5 — It was a little easier before *2023-07-25, version 2023.4.0* It was a little easier to do digital deposit before but I still manage. Also the app hides what Im looking at when I switch between apps which can make it hard to run numbers sometimes when I’m trying to balance my checkbook or see what I can afford. I suppose that’s to protect information somehow but it is a little annoying to be Frank. Still a good app. ### 2/5 — New update super slow *2023-06-10, version 2023.4.0* The new update looks nice, but changing tabs and clicking the menu have significant delay (like 2-3 seconds). Also, you can no longer access this app while using a VPN, which is extremely frustrating as well. They also changed the phrase you have to write on the back of a mobile deposited check and so when I deposited my check with the old phrase, it gave me a warning and said the check is pending review and thus I cannot access my money. ### 5/5 — Easy and simple *2023-05-05, version 2022.09* This application is easy to use and helpful!! ### 5/5 — Great *2023-02-20, version 2022.09* Been using the ucu app for years, for all my banking needs. The ucu rocks. They don’t destroy you with fees. The staff is great, and the app works beyond well. ### 4/5 — Very handy *2022-11-15, version 2022.09* I use this app as my primary way to access my UCU accounts. It’s very convenient and offers many useful features. ### 5/5 — Mobile deposit app *2022-11-02, version 2022.09* It’s very picky with photos and does not give you options if photo is not recognized. ### 5/5 — Great Bank *2022-10-10, version 2022.09* Great service. ### 5/5 — Very professional *2022-06-12, version 2021.11.0.40* Very professional ### 5/5 — Easy to use. Very convenient *2021-10-18, version 2021.6.0.33* I just wish the camera option for taking photos of checks was better ## Most critical reviews (10 lowest-rated) ### 1/5 — If your military stay away *2025-07-29, version 2023.7.0* If your military and need a bank don’t use this one any other bank but this one I can’t even book my flight even though I’m on the account they say I’m not and some lady took my off the account if you don’t want your significant other to suffer using this bank don’t use it they have done nothing to help ### 1/5 — They hold your money for no reasons! *2024-02-17, version 2023.5.0* CAREFUL! They will add a negative pending charge on your account to hold your money. The term says it should be 7 biz days but actually it will be longer than 2 weeks ### 1/5 — There’s no way to register! *2023-09-03, version 2023.4.0* This app is terrible. The only way to register to use mobile banking is to know my account number but Help says to find out my account number, I should log into Mobile banking! How ridiculous. You know everything about me! Why can’t you let me register with my name, DOB & SSN?? Now I have to wait until my new account info comes in the US MAIL to find out my account number!! Is this 1989??! C’mon, UCU. Do better! ### 1/5 — The new bill pay launch is horrific *2023-08-16, version 2023.4.0* Bad bad bad ### 1/5 — Bill pay *2023-06-07, version 2023.4.0* Why change it.. it was simple and perfect! ### 1/5 — Mobile deposit never works *2022-12-10, version 2022.09* The mobile deposit feature never recognizes the check. very frustrating. ### 1/5 — Terrible *2021-11-24, version 2021.6.0.33* Terrible banking services switching banks in new year. Been nothing but trouble for past 6 years. I’m loyal but can’t no longer this is the worst credit union. ATMs are always closed especially holidays unlike normal banks. And always transaction errors!!! ### 1/5 — Bad Mobile Deposit *2019-12-06, version 6.1.2.26* EVERY time I try to do a mobile deposit it doesn’t read the back of the check WITH the endorsement !!! I keep steady and I even try to manually capture the photo and keeps saying the photo capture is wrong. NEED TO FIX THE CAPTURE MECHANIC !!!! ASAP !!! ### 1/5 — Bill pay *2019-11-30, version 6.1.2.26* In this tech era UCU has very little capabilities. Can’t pay online unless you have a specific matching UCU bank account. When you pay it takes days to see the transaction and they do t offer receipts, not even if you call make a payment and request an emailed receipt ### 1/5 — Dysfunctional *2018-09-29, version 5.10.1.15* Complete waste of time trying to deposit checks. Giving repeated errors that check’s front and back are not the same size no matter how I take the photos of the same check. ## Most praised reviews (10 highest-rated) ### 5/5 — UCU Mobil *2026-02-25, version 2023.8.0* Everything is good except paying bills should be synced with the debt account, this may help clients from failing to become overdrawn ### 5/5 — Awesome Credit Union! *2025-12-08, version 2023.8.0* I have been with this credit union for 20 years. Friendly customer service and knowledgeable bankers! ### 5/5 — Online banking *2025-09-19, version 2023.8.0* The online banking interface is really great. It’s very clear and not too “techy” for us folk who are not so computer savvy. Thanks! ### 5/5 — Top Notch *2025-08-20, version 2023.8.0* 20 Years & Counting ### 5/5 — Forever UCU *2025-05-18, version 2023.7.0* I will stick w Regis back till end of time I have never had issues . The only downside is that there’s not many branches but thankfully I dont to step in frequently. ### 5/5 — Reliable *2024-12-23, version 2023.7.0* This is a reliable financial institution. ### 5/5 — Fantastic app *2024-06-09, version 2023.5.0* I’m not very computer literate but this app is pretty straight forward. If need asst there are plenty of staff at this credit card union always very helpful. ### 5/5 — Great bank *2024-05-26, version 2023.5.0* Easy navigation and quick response ### 5/5 — Great bank *2024-04-04, version 2023.5.0* Really like our experience with the app and bank so far. Simple UI and layout make it easy to see our money. ### 5/5 — UCU new web site *2024-01-06, version 2023.5.0* When the new site was introduced to users around mid 2023, it failed to migrate all but two of my payees in the list and consequently I was subjected to various late payment fees by the time I realized it. Since then I have contacted UCU a few times and to this date, the associates have not been able to explain why an automatic payment system failed so drastically. I will be elevating my concern to the appropriate Federal agency shortly to have this issue looked at from the users point of view in addition to the fact that the portal/site is more difficult to get used to and lacks the necessary tools to add new payees, new values, etc. --- *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 2026-08-26.*