# VACU Mobile Banking > Mobile banking app for Virginia Credit Union members to manage accounts and transactions. (iPhone/iPad app by Virginia Credit Union.) - Source: https://appshunter.io/ios/app/vacu-mobile-banking/id436116899 (this page in markdown: same URL + `.md`) - Developer: [Virginia Credit Union](https://appshunter.io/developer/436116902) - Category: Finance - Price: Free - Rating: 4.80/5 from 30,969 App Store ratings · 54 written reviews indexed - Age rating: 4+ - Requires: iOS 11.0 · 102 MB - Languages: American English, French (France), European Spanish - Released: 2011-05-22 - Data updated: 2026-06-10 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/vacu-mobile-banking/id436116899/reviews.md ## What is VACU Mobile Banking? The Virginia Credit Union Mobile Banking App for iPhone® gives you 24/7 access to your VACU accounts. You can check balances, transfer money, locate branches and ATMs, deposit checks and more. To use this app, you need to be enrolled in VACU Online Banking. Once you download the app, use your Online Banking User ID and password to log in. FEATURES View account balances, history and pending transactions Access Quick Menu to quickly perform transactions Transfer funds between VACU accounts Schedule/edit/cancel bill payments Use GPS enabled branch and ATM locator Deposit checks with Mobile Deposit Set up Quick Balances Faster logon with Touch ID™ and Facial Recognition™ Register for Apple Pay™ Account Insights can help you with spending summaries, savings opportunities and alerts you to unusual activity SAFETY AND SECURITY FEATURES As always, Virginia Credit Union is committed to the safety and privacy of your information. All data and transmissions are encrypted User IDs with strong passwords are required Visit vacu.org for more details. ## Key features - View account balances and transaction history - Transfer funds between accounts - Schedule and manage bill payments - Deposit checks remotely - Locate branches and ATMs - Utilize biometric login (Touch ID/Facial Recognition) - Access spending summaries and savings opportunities ## What do users think of VACU Mobile Banking? Overall sentiment: neutral **Pros** - 👍 Convenient mobile banking experience - 🔒 Secure access with biometrics - 💡 Helpful customer service - 🚀 Smooth and responsive app **Cons** - 🐛 Frequent app crashes and login issues - 🔍 Limited functionality compared to website - ⏱️ Slow app performance and loading times - 🤔 Confusing UI changes with app split **Commonly reported bugs** - Inability to access accounts and transfer funds - Mobile deposit feature not working - Fingerprint/Face ID authentication issues - Inconsistent app behavior across devices **Most requested features** - Ability to view credit card details and pay bills directly in the app - Improved mobile deposit limits - Seamless integration between accounts and cards - Virtual check register for easy transaction tracking ## Recent user reviews (10 of 54) All indexed reviews: https://appshunter.io/ios/app/vacu-mobile-banking/id436116899/reviews.md ### 1/5 — Unreliable & Frustrating Card App *2024-03-15* More than once, I wasn’t able to access the card app to turn my credit and debit card on and off when I needed it in the moment. I sometimes have to restart my phone because the card app isn’t functioning, an inconvenience, especially if your phone battery is low or if you’re in a hurry. While in the app, the card sometimes doesn’t switch on or off as commanded and an apology appears, which results in me having to log out and then on again. Keeping my cards unlocked isnt an option because Im trying to protect myself from fraudulent use. Please fix the issue. I appreciate the opportunity to comment. Im sure VACU is doing their best. ### 5/5 — Love my Credit Union *2023-12-20* Twenty five years ago our bank was purchased by another bank corporation. They changed my account number, notifying me by a letter later that week. Several checks and automatic debits bounced in the meantime. When I went to close my account, the teller didn’t even ask for a reason. We exclusively used a credit union ever since. We save money in fees and interest rates over the banks. We will never go back to banking. We love being a member of our credit union. **Developer response:** Thank you for your review! We are glad you are enjoying the app! ### 5/5 — Review *2023-07-13* Virginia Credit Union and it’s service people I have found to be one of the best banking experiences in many many years. I have spoken to several customer service individuals so far since I opened my accounts, and I have to say they’re troubleshooting, concern, and experienced knowledge is most impressive. The customer service people are courteous, well-informed, concerned, and they seem to go the extra mile to troubleshoot any problems. I have had the spa and I would not think twice about recommending Virginia Credit Union to family and friends. Thank you and have a fantastic day. Richard Alexandria **Developer response:** Thank you for your feedback! We are glad you are enjoying the app! ### 3/5 — Transfer Money Is Not Loading All My Accounts *2023-07-10* I use to be able to transfer money from my checking account to my IRA account through the app. As of May, that option stopped working. I wasn’t about to transfer money to my IRA account. The account wouldn’t show up in the “to account” transfer. I thought it was just the app, so go on the website and my IRA account is still not showing up. I call customer service and the lady was no help at all. She was not listening to what I was telling her. She tried to tell me how to transfer money to the account but she was not understanding that the account was not an option. **Developer response:** Thank you for your review and I am sorry that you are experiencing issues with our app. Please call Member Services and ask for our Online Services department. We will be happy to troubleshoot this with you by phone. Member Services is available Monday through Friday from 8:00 a.m. to 6:00 p.m. at (800) 285-6609 or (804) 323-6800. ### 1/5 — Seeking a new bank for how terrible the app is now. *2023-02-16, version 4.41.111* This application has split off into two applications which is my first issue. The new app barely is functional and I don’t know how it made it past beta testing if there was any at all and to top it off I don’t even have full functionality of my card. I don’t know what my cash rewards balance is nor do I know how to redeem it anymore seeing that you can’t redeem it on the app or through the browser. I could go on about how terrible this banking experience is but I frankly don’t have the time. The development team should take a page from J. P. Morgan Chase or American Express on the way their applications are set up because this is an absolute nightmare. ### 2/5 — App split ruined online banking *2023-02-01, version 4.41.111* This was a pretty great app until they decided to split the features into two apps. Who needs or wants one app for your account and one for your card… now I can’t see my card details on the app unless I get an additional app. Stupid decision To developer response: “you can click manage cards and it will take you to the cards app” … yeah that’s the whole point, it used to be all one app and I don’t want two apps just to manage one bank. **Developer response:** Thank you for your review. You can still get to your card information by clicking on the Manage Cards tab. This will take you out to our enhanced VACU Cards app. Also, if you just need card information, you can log into the VACU Cards app as this is a standalone app and do not have to go through the VACU mobile app. Thank you for using your credit union. ### 1/5 — What use to take one app now takes two *2023-01-28, version 4.41.111* They removed the feature to pay your credit card bill on the app. Now I have to download and register for another app to pay my credit card bill each month. Absolutely pointless change, my favorite thing about VACU was the convince of doing everything on one app and it all worked great… if it isn’t broken don’t fix it. ### 1/5 — I hate this bank! *2022-10-25, version 4.39.179* Never in my life have I not been able to pay a credit card from a different banking source until I got to this credit union. This credit card is the bane of my existence. I am doing everything I can to 1. Not activated the card 2. pay it off as swiftly as possible. Mobile app doesn’t work the desktop app doesn’t work it’s impossible. You can’t make a payment over the phone I feel like I’m in prehistoric times when it comes to this credit union and it’s online banking. **Developer response:** Thank you for your review and I am sorry that you are experiencing issues with our app. You can make a payment to your credit card using an external financial institution by clicking on the Manage Cards tab and then the Make a Payment tab. Please call Member Services and we will be happy to walk through this process with you by phone. Member Services is available Monday through Friday from 8:00 a.m. to 6:00 p.m. at (800) 285-6609 or (804) 323-6800. ### 2/5 — Used to be great… *2022-10-17, version 4.39.179* I never used to have an issues logging in or accessing my account via the app. Lately it’s taking forever to log in. It always seems to stall on the main screen “Verifying Login information “. I end having to go online to view my accounts. It’s frustrating and needs to be looked into and fixed! ### 5/5 — Cashed Checks *2022-10-12, version 4.39.179* I like the VACU app. It is definitely user friendly. My only recommendation is when I tap a check number that has been cashed, it would be very helpful if the front of that check appeared so I could be reminded to whom I wrote it to. ## Frequently asked questions about VACU Mobile Banking ### What can I do with the VACU Mobile Banking app? The app allows you to check account balances, view transaction history, transfer funds between your Virginia Credit Union accounts, schedule and manage bill payments, and deposit checks using your phone's camera. You can also locate branches and ATMs, set up quick balances, and utilize advanced security features for faster login. ### How do I log in to the VACU Mobile Banking app? To use the app, you must be enrolled in VACU Online Banking. Once you download the app, you will log in using your existing Online Banking User ID and password. The app also supports faster login options like Touch ID and Facial Recognition for supported devices. ### Is the VACU Mobile Banking app secure? Yes, Virginia Credit Union is committed to the safety and privacy of your information. All data and transmissions within the app are encrypted, and a User ID with a strong password is required for access. These security measures help protect your financial information. ### What are the requirements to use this app? You need to be enrolled in VACU Online Banking to use the mobile app. The app is designed for iPhone® devices. Ensure your device meets the operating system requirements for the app, which can typically be found on the app store listing. ### Does the app offer any financial insights? Yes, the app includes an 'Account Insights' feature that can help you with spending summaries, identify savings opportunities, and alert you to any unusual account activity. This feature provides a helpful overview of your financial habits. ## Version history (last 5 releases) ### 4.41.111 — 2023-01-11 We’re always working to improve our mobile banking app for our members. Don’t forget to rate the app and give us your feedback. Your opinion is important to us and we love hearing your thoughts, so keep them coming! There is no charge from VACU, but your mobile carrier's message and data rates may apply. Some features are available for eligible customers and accounts only. ### 4.39.179 — 2021-06-24 Our new mobile app feature, Account Insights, will recognize patterns in your saving and spending and help you make smart choices to reach your financial goals. It can spot unusual events in your Virginia Credit Union accounts and help you with money-saving techniques. FEATURES: • Creates monthly summaries of your spending • Helps you identify saving opportunities • Alerts you to unusual account activity We’re always working to improve our mobile banking app for our members. Don’t forget to rate the app and give us your feedback. Your opinion is important to us and we love hearing your thoughts, so keep them coming! There is no charge from VACU, but your mobile carrier's message and data rates may apply. Some features are available for eligible customers and accounts only. ### 4.37.143 — 2020-12-17 • Easier to Use Menu Redesign • Additional Digital Wallets Available • Full Account Number Available • Bug Fixes for iOS 14.0.1 We’re always working to improve our mobile banking app for our members. Don’t forget to rate the app and give us your feedback. Your opinion is important to us and we love hearing your thoughts, so keep them coming! There is no charge from VACU, but your mobile carrier's message and data rates may apply. Some features are available for eligible customers and accounts only. ### 4.36.81 — 2020-05-28 •Bug Fixes We’re always working to improve our mobile banking app for our members. Don’t forget to rate the app and give us your feedback. Your opinion is important to us and we love hearing your thoughts, so keep them coming! There is no charge from VACU, but your mobile carrier's message and data rates may apply. Some features are available for eligible customers and accounts only. ### 4.25.147 — 2019-10-10 • Your FICO® Score: Primary account holders on any VACU checking or loan account can now view their credit score with the NEW Your FICO® Score tool. • Bug Fixes ## Apps similar to VACU Mobile Banking | App | Rating | Price | Category | | --- | --- | --- | --- | | [TowneBank Mobile Banking](https://appshunter.io/ios/app/townebank-mobile-banking/id1295185872) | 4.8 (5,216) | Free | Finance | | [FSNB Mobile Banking](https://appshunter.io/ios/app/fsnb-mobile-banking/id471338414) | 3.7 (184) | Free | Finance | | [C&F Mobile Banking](https://appshunter.io/ios/app/c-and-f-mobile-banking/id512546302) | 4.8 (2,795) | Free | Finance | | [Henrico FCU Digital Banking](https://appshunter.io/ios/app/henrico-fcu-digital-banking/id1491410485) | 4.8 (3,371) | Free | Finance | | [Woodforest Mobile Banking](https://appshunter.io/ios/app/woodforest-mobile-banking/id346205023) | 4.8 (52,599) | Free | Finance | | [Benchmark Community Bank](https://appshunter.io/ios/app/benchmark-community-bank/id582637396) | 4.8 (2,481) | Free | Finance | ## More apps by Virginia Credit Union - [VACU Cards](https://appshunter.io/ios/app/vacu-cards/id1628669298) All apps by Virginia Credit Union: https://appshunter.io/developer/436116902 --- *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.*