# USEFCU

> Mobile banking app for managing accounts, payments, and deposits. (iPhone/iPad app by US Employees OC Federal Credit Union.)

- Source: https://appshunter.io/ios/app/usefcu/id6745406073 (this page in markdown: same URL + `.md`)
- Developer: [US Employees OC Federal Credit Union](https://appshunter.io/developer/551152658)
- Category: Finance
- Price: Free
- Rating: 4.60/5 from 642 App Store ratings · 10 written reviews indexed
- Age rating: 4+
- Requires: iOS 18.4 · 173 MB
- Languages: American English, European Spanish
- Released: 2025-08-31
- Data updated: 2026-09-11
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/usefcu/id6745406073/reviews.md

## What is USEFCU?

The USEFCU app combines the function of a branch location with the convenience of your smartphone. It’s fast, secure and makes life easier by empowering you with the tools you need to manage your finances.

Here’s what else you can do with USEFCU:

* Set up alerts so you know when your balance drops below a certain amount
* Make payments, whether you’re paying a company or a friend
* Transfer money between your accounts
* Deposit checks in a snap by taking a picture of the front and back
* Reorder your debit card or turn it off if you’ve misplaced it
* View and save your monthly statements
* Find branches and ATMs near you

Secure your account with a 4-digit passcode and fingerprint or face reader on supported devices. 

To use the USEFCU app, you must be enrolled as a USE Federal Credit Union digital banking user. If you currently use our online banking, simply download the app, launch it, and login with the same credentials.

## Key features

- Account balance alerts
- Make payments to companies and friends
- Transfer funds between accounts
- Mobile check deposit
- Debit card management
- View and save statements
- Find branches and ATMs

## Recent user reviews (10 of 10)

All indexed reviews: https://appshunter.io/ios/app/usefcu/id6745406073/reviews.md

### 5/5 — Great credit union

*2026-06-01, version 3.34.1*

Friendly Staff and always willing to help

### 1/5 — Doesn’t work after update

*2026-05-31, version 3.34.1*

They updated it and now I can’t sign into the app.

### 1/5 — Worst mobile banking app

*2026-05-08, version 3.28.0*

I can almost never get into my account I have to use my computer to even see how much is in my account. It never works. So frustrating

### 5/5 — Credit card

*2025-12-27, version 3.30.0*

Quisiera aumentar mi credit card a 10000

### 1/5 — Why

*2025-10-22, version 3.28.0*

Why this app. It’s so frustrating to use and not at all user friendly.

### 5/5 — NEW Online Banking App

*2025-10-17, version 3.27.0*

Excellent!!!  Very user friendly.  Awesome customer support.  Thank you.

### 3/5 — Mobil app.

*2025-09-15, version 3.27.0*

The new app is hard to navigate. I can’t see my past transactions and I’m trying to make my credit card payment, but I’m not finding out how to do that either. I hate this new app.

### 3/5 — Update is the worst

*2025-09-10, version 3.26.0*

The new version of the app is horrible.  I have no access to any of my transactions, whether it is credit card transactions or past statements ever since the new update, its been a bad experience.

### 1/5 — Great credit union, with an awful digital presence

*2025-09-05, version 3.26.0*

As a loyal member of USFCU for over a decade, who has had wonderful experiences with the staff and in an overall financial capacity with your company,  I unfortunately cannot recommend your apps with the same high praise. This particular new flavor of poorly-planned app appears to have been programmed in 2013 by a first year coding student - to be honest, you should consider suing whoever you hired to make this. Also consider changes to your leadership structure, starting by firing whoever was in charge of this transition.

### 1/5 — Mal diseñada la app

*2025-09-03, version 3.26.0*

Es muy confusa era mejor la anterior no ayuda desorienta

## Frequently asked questions about USEFCU

### What can I do with the USEFCU app?

The USEFCU app allows you to manage your finances conveniently from your smartphone. You can set up balance alerts, make payments to companies and friends, transfer money between your accounts, deposit checks by taking pictures, reorder or turn off your debit card, view and save monthly statements, and find nearby branches and ATMs.

### Is the USEFCU app free to use?

Yes, the USEFCU app is free to download and use. There are no direct costs associated with using the app's features for managing your accounts and performing transactions.

### How do I log in to the USEFCU app?

To use the USEFCU app, you must be enrolled as a USE Federal Credit Union digital banking user. If you already use their online banking, you can simply download the app, launch it, and log in using the same username and password.

### What security features does the app offer?

The app offers several security features to protect your account. You can secure your account with a 4-digit passcode. Additionally, on supported devices, you can use fingerprint or face reader authentication for enhanced security.

### Can I deposit checks using the app?

Yes, the app features a mobile check deposit function. You can deposit checks quickly by simply taking a picture of the front and back of the check directly through the app.

## Version history (last 5 releases)

### 3.37.0 — 2026-08-19

Version 3.37.0
• Bug fixes and performance improvements

### 3.36.0 — 2026-07-16

Version 3.36.0
• Bug fixes and performance improvements

### 3.35.1 — 2026-06-12

Version 3.35.1
• Bug fixes and performance improvements

### 3.35.0 — 2026-06-10

Version 3.35.0
• Bug fixes and performance improvements

### 3.34.1 — 2026-05-22

Version 3.34.1
• Bug fixes and performance improvements

## Apps similar to USEFCU

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [True Sky Credit Union](https://appshunter.io/ios/app/true-sky-credit-union/id1372984308) | 4.8 (3,312) | Free | Finance |
| [Card Suite Lite](https://appshunter.io/ios/app/card-suite-lite/id6444899851) | 4.6 (9) | Free | Finance |
| [GoBankFFB](https://appshunter.io/ios/app/gobankffb/id1468514152) | 4.9 (6,010) | Free | Finance |
| [MECU mobile app](https://appshunter.io/ios/app/mecu-mobile-app/id6445994440) | 3.9 (7) | Free | Finance |
| [USE Credit Union](https://appshunter.io/ios/app/use-credit-union/id6458744255) | 4.8 (94) | Free | Finance |
| [US Employees Credit Union](https://appshunter.io/ios/app/us-employees-credit-union/id1462171488) | 4.8 (424) | Free | Finance |

## More apps by US Employees OC Federal Credit Union

- [USEFCU CardLink](https://appshunter.io/ios/app/usefcu-cardlink/id1597775365)
- [USEFCU Mobile](https://appshunter.io/ios/app/usefcu-mobile/id1606024846)

All apps by US Employees OC Federal Credit Union: https://appshunter.io/developer/551152658

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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 2026-09-11.*