# VACU Mobile Banking — user reviews > 54 indexed App Store user reviews of VACU Mobile Banking by Virginia Credit Union, rated 4.80/5 from 30,969 ratings. - Source: https://appshunter.io/ios/app/vacu-mobile-banking/id436116899/reviews - App overview in markdown: https://appshunter.io/ios/app/vacu-mobile-banking/id436116899.md - Rating breakdown: 5★ 26,947 · 4★ 2,683 · 3★ 646 · 2★ 202 · 1★ 491 ## 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 ## Newest reviews (11 of 54) ### 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. ### 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. ### 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! ### 2/5 — Unable to gain access through login *2022-05-07, version 4.39.179* Is anyone else having issues with not being able to log in on the app? Like I’ve had to go to the website for the last week? Follow up - It’s still not working! It’s very frustrating to have to go to the website to look at balances or check on things; because the app is useless right now. Please fix this bug. ### 4/5 — 13yr Customer *2022-04-09, version 4.39.179* Besides the fact I’ve been running into some issue where the app says I cannot log in because of “middleware error”, I think it’s easy & straight forward ### 4/5 — Credit Card *2022-03-11, version 4.39.179* I would love to be able to transfer my Credit Card pmt online rather than setting up bill pay ### 3/5 — Glitchy, and just OK *2021-12-31, version 4.39.179* really glitchy at times. I feel like maybe half of the time it doesn’t work right. Then there are just some user experience things that are very inconvenient. Like I cannot add someone in my bill pay mobile without then going to my laptop to agree? What’s the point of that? ### 4/5 — Memo on Posts *2021-12-19, version 4.39.179* I appreciate that the ap was updated to permit a memo on a transfer; that enhanced the ap to move my rating from 3 stars to 4 stars. I would like to see that memo when I click the post in Accounts for the transfers. I would also like to see what the deduction was for are when I click the charge, if possible. Maybe, that is a limitation in what is received from the business who forwards the charge. Otherwise, it is a very good ap. Thank you for allowing feedback and listening. **Developer response:** Thank you for your review! We are glad you are enjoying the app! ### 2/5 — Incredibly slow *2021-06-01, version 4.37.143* This app is the worst! It is incredibly slow, from logging into just a general navigation. I keep hoping with updates it will get better, so far has not. On a few occasions you can get it to work the features on it or as advertised so two stars. This app is honestly so frustrating it makes me want to switch banks just so I can have better access. ### 2/5 — Almost unusable at times and getting worse *2021-06-01, version 4.37.143* Over the past 6-8 months the app takes forever to load, seems to hang at times when viewing account info, and sometimes times out during an operation. Have rebooted phone and deleted/reinstalled app. Nothing works. Website works fine and internet connectivity is not a problem. It is the app itself. The back end needs to be fixed to ensure the app works correctly and user experience reflects the quality of service the bank is known for. While adding access to bank account and routing numbers is helpful there needs to be a way to also see other account info, such as interest rates, bank to bank ACH transfers, and e-statements. Could be worse but also could be much much better. The slowness is the biggest issue that needs resolving. **Developer response:** Thank you for your feedback and I am sorry you are having issues with our mobile app. Please contact Member Services so that we can troubleshoot your issues in more detail. Member Services is available Monday through Friday from 8 a.m. to 6 p.m. EST. at (804) 323-6800 or (800) 285-6609. ### 5/5 — Definitely my bank 😊 *2021-05-27, version 4.37.143* Never have many problems and if I do they care of them immediately. I’m not going anywhere! I never have to worry about my banking needs. Thanks VACU! ## Most critical reviews (10 lowest-rated) ### 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. ### 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. ### 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. ### 1/5 — Not user friendly when changing mobile devices *2022-09-23, version 4.39.179* Not user friendly to set up a new mobile device. I have several passwords I use in succession. I don’t know how long before I can use a recycled password, but I went through several in this one process attempt. There really needs to be standardized password setting processes in the banking industry to help user friendliness among users. ### 1/5 — The app doesn’t work. *2022-08-04, version 4.39.179* I just get the message “an SSL error has occurred and a secure connection to the server cannot be made.” This has been happening off and on for about two weeks. I asked for help, and the VACU support team advised me to clear the cookies from my Safari browser. That solved the problem for about a day. Then it got stupid again. Also, clearing the browser deletes things I wanted to keep. So I don’t want to do it too often. I’m going to keep posting until somebody fixes this—and it STAYS fixed for at least two weeks. Two days later: same. About two weeks later: The app doesn’t work. I’ve pretty much stopped using it. The website still works; and I can still bank by telephone. ### 1/5 — Not able to access account *2022-07-21, version 4.39.179* I have not been able to access my account from this app for days! What gives?! I’ve tried uninstalling then re-downloading it, logging out then trying to log back in…. I can access my account on a desktop but I don’t exactly have the room in my purse to carry a desktop around to check my account. Meanwhile my husband’s app works just fine. FIX THIS!!!!! ### 1/5 — Stay away from VACU *2022-02-19, version 4.39.179* This bank is obviously greedy and not interested in the bank holders. Stay away. Far away. During the big drops in interest rates the company didn’t take any interest in keeping me or my mortgage with them. The people on the other end of the phone were completely not helpful and at least one of them was really unprofessional by taking personal other calls when I tried to talk to someone about our mortgage. Now they have restructured their fees and they are nickel and dimming me for keeping a small amount of money in their institution after I found another bank willing to take on my mortgage. Additionally I’m told that they are also nickel and dimming their employees as they ran off my realtor for all sorts of cuts to her commission and numerous fees for her to work for the company. **Developer response:** Thank you for providing this review. Is there a phone number that we can contact you at to discuss this in further detail? ### 1/5 — Mobile Deposit stopped working *2021-08-19, version 4.39.179* Update: I was contacted by the developer, who instructed me to contact member services so they could troubleshoot. Apparently a canned response because if they read the review, they would see I did that already and their solution was to uninstall and reinstall, which didn’t work. Mobile deposit no longer works, leaving me with no way to make a deposit, as I no longer live in VA, so no branches I can go to and deposit via ATM. “App support” is a joke. They tell you to go make a physical deposit. Sure, I’ll take a day off and drive 6 hours to my nearest branch. I’ll get right on that. **Developer response:** Thank you for your feedback and I am sorry you are having issues with our mobile app, specifically the mobile deposit feature. Please contact Member Services and ask for our Online Services team so that we can troubleshoot your issues in more detail. Member Services is available Monday through Friday from 8 a.m. to 6 p.m. EST. at (804) 323-6800 or (800) 285-6609. ### 1/5 — Unreliable banking app *2020-08-31, version 4.36.81* Constantly getting error messages when trying to use “bill pay” - have been getting the error message that says “THE DATA COULDN’T BE READ BECAUSE IT IS IN THE WRONG FORMAT” yet there is no troubleshooting info, nor contact info for help using the app. I called the number they suggested for the bank HQ and the woman on the phone said she didn’t know what I was talking about. VERY ANNOYING! We switched to VACU to pull our money out of the big banks, kinda regretting it now because at least Bank of America had an app that worked all the time, never had issues with bill pay or logging in. **Developer response:** Thank you for your feedback and we are sorry to hear that you are having issues with our app. Please reach out to us at (804) 323-6800 or (800) 285-6609 and we will be happy to troubleshoot this issue with you. ## Most praised reviews (10 highest-rated) ### 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! ### 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. ### 5/5 — Mobile deposit *2022-09-28, version 4.39.179* I like everything about the app except the limit on mobile deposits it would be very convenient for me as a owner operator truck driver if I could deposit more money (checks) via the mobile deposit option **Developer response:** Thank you for your review! We are glad you are enjoying the app! ### 5/5 — Credit card *2022-02-09, version 4.39.179* It would be helpful if you were able to see the minimum amount due for your credit card rather than having to wait for your statement or log into the actual website **Developer response:** Thank you for your review! We are glad you are enjoying the app! You can view your credit card details by clicking on the Manage Cards tab in the main menu and then the Card Details tab once you are in Manage Cards. ### 5/5 — Stephanie Funai A Great VACU. Employee *2021-12-16, version 4.39.179* This was first time logging on VACU mobile banking service and had an issue with my sign on. I called in to the Credit Union and spoke with Stephanie Funai she was so friendly and her personality was pleasant I was at ease and happy she was there for me. Stephanie is very knowledgeable about the company she walked my through the process and i really felt she was right there holding my hand. I am a very appreciative customer for you’ll having wonderful employees A great shout out to Stephanie Charlene Gresham ### 5/5 — My Bank *2021-10-15, version 4.39.179* I’ve been doing business with Virginia credit union since I began my career in 1980’s. It’s been an excellent experience I highly recommend this banking system. ### 5/5 — Security *2021-10-07, version 4.39.179* When I called for assistance last week I Got excellent service; however, the VACU employee did not ask me for the required password which secure access to my account. This happens three out of four times I call. ### 5/5 — Vacu account *2021-09-11, version 4.39.179* you guys need to work on this app. crashes way too much, doesn’t load my account consistently, always a issue with this app every few days ### 5/5 — On site help *2021-06-29, version 4.39.179* The staff at the VACU Glenside branch were helpful, kind and solved my problem with a smile on their faces! It was so helpful having them set up mobile banking I couldn’t have done it without them! Thanks to all, Jim --- *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.*