# VCCU Mobile

> Secure mobile banking for account management, payments, and transfers. (iPhone/iPad app by Ventura County Credit Union.)

- Source: https://appshunter.io/ios/app/vccu-mobile/id907580885 (this page in markdown: same URL + `.md`)
- Developer: [Ventura County Credit Union](https://appshunter.io/developer/585839405)
- Category: Finance
- Price: Free
- Rating: 3.90/5 from 44 App Store ratings · 70 written reviews indexed
- Age rating: 4+
- Requires: iOS 16.0 · 128 MB
- Languages: American English, European Spanish
- Released: 2014-08-19
- Data updated: 2026-08-19
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/vccu-mobile/id907580885/reviews.md

## What is VCCU Mobile?

Welcome to banking with VCCU! Ventura County Credit Union's Mobile app allows you to securely access your accounts 24/7. View your account balances and pay bills with ease, as well as:

Send and receive money with Zelle®
Manage your credit and debit cards in real-time
Deposit paper checks with Remote Deposit
Schedule one-time and automatic transfers
Update account information
Add Travel Notes
Apply for a loan
Open a new share account
View eStatements and much more!

## Key features

- 24/7 account access
- Bill payment
- Send/receive money with Zelle®
- Remote check deposit
- Card management
- Loan applications

## What do users think of VCCU Mobile?

Overall sentiment: negative

**Pros**

- ✨ Clean and easy to navigate
- 💳 New features like credit score monitoring
- ✅ Transfers are easy
- 🔒 Offers ease and security
- 💡 Easy to use upgraded app
- 🚀 Easy and quick login with facial recognition
- 👍 Works like a charm
- 🌟 Great when it works
- 👍 Love the new feel and workings
- 💡 Easy to scroll through accounts
- 💡 Ability to label and change colors for accounts
- 💡 Love the news savvy money information
- 🚀 Easy and quick to log in
- 👍 Touch ID works well
- 👍 Gets the job done
- 👍 Great improvement over old app
- 👍 Major step forward
- 💡 Detailed charges at fingertips
- 💡 Mobile deposit by taking photo

**Cons**

- 😠 Poorest running banking app
- 😠 Awful app to coerce facial recognition
- 😠 Freezes and does not work
- 😠 Forced to login via desktop
- 😠 Constantly trying to coerce digital ID
- 😠 Desktop transactions require mobile phone
- 😠 Inconvenient verification code process
- 😠 Will not let pay towards principal
- 😠 Only works sometimes
- 😠 Cost money when unable to access
- 😠 Ruined fundamental transfer task
- 😠 Horribly disappointed
- 😠 Bring back old app
- 😠 Previous version worked fine
- 😠 New update is slower
- 😠 Too many clicks for simple transfers
- 😠 Large fonts on homepage
- 😠 Privacy concerns
- 😠 Meh, works when it wants to
- 😠 Best near wifi
- 😠 Times out inconveniently
- 😠 Bank doesn't seem to care
- 😠 Infuriating app
- 😠 Slow to update mobile app
- 😠 Error failed to login 95% of the time
- 😠 Fix your app or lose people
- 😠 Horrible app
- 😠 Rejects every deposited check
- 😠 My worst regret
- 😠 Bank answers whenever they please
- 😠 Gives wrong information
- 😠 Mobile deposit constantly not working
- 😠 Nothing else wrong with app
- 😠 Needs to be fixed now
- 😠 Poorly done app
- 😠 Functions like 1995 software
- 😠 Lacks biometric login
- 😠 Lacks 2 factor authentication
- 😠 Remote deposit inconsistent
- 😠 Requires writing on back of check
- 😠 Another companion app necessary
- 😠 Homepage doesn't load
- 😠 Stuck loading
- 😠 Nothing has been done
- 😠 Time to move banks
- 😠 Barely works sometimes
- 😠 Never been able to remotely deposit
- 😠 Often can't get app to open
- 😠 Buggy for ages
- 😠 Terrible experience
- 😠 Barely functions
- 😠 Won't display balance
- 😠 Can't balance checkbook
- 😠 Can't see spending
- 😠 Payment status unclear
- 😠 Randomly signed out
- 😠 Irritating
- 😠 Won't show previous month's payments
- 😠 Crap job
- 😠 Redesign needed
- 😠 Remote deposit needs work
- 😠 System lags then times out
- 😠 Bad remote deposit
- 😠 Only good to check balance/transactions
- 😠 Most important tool does not work
- 😠 Worst app ever
- 😠 Deposit feature horrendous
- 😠 Lost funds
- 😠 Deposit times out
- 😠 No idea if deposit went through
- 😠 Does not work ever
- 😠 Antiquated
- 😠 Errors out constantly
- 😠 Falls short for daily needs
- 😠 Horrible app
- 😠 Never loads
- 😠 Still saying installed after uninstall
- 😠 Won't open
- 😠 2 hours trying to deposit check
- 😠 App wouldn't open
- 😠 Error variable $ invalid
- 😠 Wouldn't finish deposit transaction
- 😠 Error loading page
- 😠 No technical support
- 😠 Worst banking app ever
- 😠 Horrible
- 😠 Works only when it wants to
- 😠 Super slow even on WiFi
- 😠 Never works
- 😠 Had to call automated system
- 😠 Needs serious upgrades
- 😠 Garbage
- 😠 Remote check deposit does not work
- 😠 Poor application build
- 😠 Slow and crashes a lot
- 😠 Not worth the frustration
- 😠 Find another bank
- 😠 Horrible App
- 😠 Loads for minutes on end
- 😠 Doesn't open or let me log in
- 😠 Worst bank/credit union app ever
- 😠 Doesn't load
- 😠 Stops loading
- 😠 No update for 2 years
- 😠 Not interested in improving/fixing
- 😠 Disaster
- 😠 Disastrously slow, glitchy, user-unfriendly
- 😠 Mobile deposit takes too long
- 😠 Usually doesn't work
- 😠 Considering switching banks
- 😠 Help this app
- 😠 Constant lag
- 😠 Shows logo and update numbers
- 😠 Can't push anything to open
- 😠 Spinning wheel of death
- 😠 Blue box comes back up
- 😠 Checks sit in limbo
- 😠 Can't log out
- 😠 Never get in
- 😠 Need better service
- 😠 Huge problem for over a year
- 😠 Doesn't work
- 😠 Will not go through
- 😠 Don't recommend this app
- 😠 Worthless
- 😠 Can't even log on anymore
- 😠 Don't Bother
- 😠 Substantially quicker to drive to CU
- 😠 Worst banking app in the market
- 😠 App is horrible for remote deposit
- 😠 Waited 15 minutes for deposit that never happened
- 😠 Process locked up app
- 😠 Couldn't log off
- 😠 Called numerous times
- 😠 No automated response
- 😠 Will get me to change banks
- 😠 Please fix this app!!!
- 😠 Haven't been able to log in for weeks
- 😠 App just doesn't work
- 😠 Stops before login screen
- 😠 No updates in 2 years
- 😠 Needs modernize version
- 😠 Slow in the evenings
- 😠 Server lacks support
- 😠 Upsetting not to access at night
- 😠 Can't wait forever to load
- 😠 Unreliable and slow
- 😠 Mobile deposit feature extremely unreliable
- 😠 Freezes when submitting check
- 😠 Consistent glitch
- 😠 Leading decision to switch banks
- 😠 Worst banking app EVER
- 😠 Glitches
- 😠 Mobile app stopped working months ago
- 😠 Terrible terrible app
- 😠 Logical, but lacks features
- 😠 Doesn't offer ability to edit personal info
- 😠 Lacks credit information utilization
- 😠 Remote Deposit Feature Rarely Works
- 😠 Almost never works
- 😠 Consistently get error loading page
- 😠 Simpler to use ATM
- 😠 Never works!!!
- 😠 Dam app never wants to open
- 😠 Poor Consistency
- 😠 Frequently unable to accept mobile check deposits
- 😠 Sporadic and frustrating
- 😠 No fingerprint
- 😠 No notification
- 😠 Not working
- 😠 Won't pass blue loading icon
- 😠 Long load time
- 😠 Doesn't work on home WiFi
- 😠 Please fix remote deposit
- 😠 It's bad
- 😠 Mobile App/Credit Union
- 😠 Don't expect support
- 😠 Charged fees
- 😠 Closing account soon
- 😠 Remote deposit needs work
- 😠 Frequently takes more than once
- 😠 Quicker to use ATM
- 😠 Consistent problems with app
- 😠 App freezes up
- 😠 Have to leave app
- 😠 Poor design and functionality
- 😠 Deposit does not go through
- 😠 Rejected deposit
- 😠 Generic email response
- 😠 Not a good app
- 😠 Hard to keep track of money
- 😠 Takes a week to show purchases
- 😠 Lacking
- 😠 Disappointed remote deposit doesn't work
- 😠 Loads and loads but never progresses
- 😠 Better w/ push notifications
- 😠 Can you guys put push notifications?
- 😠 Login Issue
- 😠 Needs to save username/login info
- 😠 Please add Touch ID
- 😠 Not polished
- 😠 Crashes occasionally
- 😠 Have to re-log in constantly
- 😠 Does not match quality
- 😠 Crashes and lags on login page
- 😠 Invest in regular updates
- 😠 Slow update needed
- 😠 Please add touch login
- 😠 Security questions take time
- 😠 Web page is slow
- 😠 Way behind the others
- 😠 Online services gone backwards
- 😠 Left having to leave
- 😠 App that works
- 😠 Very SLOW!
- 😠 Old app was easier
- 😠 Need lunch break to open app
- 😠 Please fix login time

**Commonly reported bugs**

- App freezes
- App does not work
- App times out
- App errors out
- App is slow
- App crashes
- App doesn't load
- App gets stuck loading
- App rejects deposited checks
- App is buggy
- App randomly signs out
- App won't open
- App has error loading page
- App lags
- App times out during remote deposit
- App is unreliable
- App freezes when submitting check
- App is antiquated
- App falls short
- App doesn't load homepage
- App gets stuck on loading screen
- App shows spinning wheel of death
- App checks sit in limbo
- App cannot log out
- App won't open to sign in screen
- App is slow in evenings
- App has server issues
- App is inconsistent
- App is sporadic
- App won't pass blue loading icon
- App has long load time
- App doesn't work on WiFi
- App has consistent problems
- App freezes up
- App requires re-login
- App has login issues
- App is not polished
- App crashes on login page
- App has slow update needed
- App has security question delays
- App has slow web page
- App online services gone backwards
- App registration process is challenging
- App is very slow
- App takes too long to log in

**Most requested features**

- Bring back the old app
- Add biometric login
- Add 2 factor authentication
- Add companion app for banking
- Add credit score monitoring
- Add ability to edit personal information
- Add ability to utilize credit information
- Add push notifications for transactions
- Add push notifications for deposits
- Add push notifications for spending limits
- Save username and login info
- Add Touch ID login
- Invest in regular updates
- Add fingerprint login
- Add notifications
- Modernize the app
- Improve server support
- Add Zelle integration

## Recent user reviews (10 of 70)

All indexed reviews: https://appshunter.io/ios/app/vccu-mobile/id907580885/reviews.md

### 1/5 — Poorest running banking app I’ve used

*2026-05-26*

There is no other banking app that is more incompetent than this one. Try to have a good time using this pos

### 1/5 — Awful app to coerce facial recognition

*2025-08-11, version 4018.0.0*

Awful bank app that freezes and does not work 35% of the time so I am forced to login via my desktop. The bank app is also constantly trying to coerce members into creating a digital id with facial recognition which feels dark and creepy. My desktop transactions can only be completed if I have my mobile phone near me to receive and input a verification code. If I do not have my phone accessible, then I cannot tend to what I need to do. Awful.

### 1/5 — Loan payments

*2025-06-30*

Will not let me pay towards my principal on my loans even in the 3 day period after payment

### 2/5 — Only works sometimes

*2025-05-12*

Great when it works, unfortunately I have been unable to access it during some crucial times and it cost me money when it won’t let me in to pay certain bills

### 5/5 — Amazing & Clean

*2025-04-07*

I am so happy with this new application. What a huge improvement! This new application really launched VCCU into the 21st century. It’s clean, easy to use and to navigate, and has so many available features and functions. It has enhanced my digital banking experience, which is a plus for me since I moved out of the county and no longer have access to a physical branch. My absolute favorite new feature is what I think is called My Credit Score. This new service allows me to easily monitor my credit, receive alerts, and it even suggests products and services that would help me to either save money or improve my credit history and score. I love it!

### 5/5 — Easy New App

*2025-04-05*

Love the updated app with the facial recognition, and you can look at all of your accounts with one simple sign on from auto loan loans to mortgage loans and all of your accounts. Transfers are easy from internal accounts, as well as using Zelle to pay others.

### 5/5 — Thank you

*2025-04-04*

The app works like a charm! I love the ease and security it offers, thank you VCCU!

### 5/5 — Easy to use upgraded app

*2024-08-28*

Love the new feel and workings of the new VCCU application. It is easy to scroll through all your accounts label them and change colors for your various family members that have accounts with the credit union. Also love the news savvy money information located on the app now.

### 3/5 — ugh. waited years and this is what we got

*2024-08-19*

the most fundamental task on the app was transfers and you guys just ruined it!!! horribly disappointed. bring back the old app!!!!

### 1/5 — I may close my account after this update

*2024-08-15*

The previous version worked just fine and a lot quicker than this new update. I have to click on way to many buttons to make a simply transfer of money between my accounts and pay my credit card bills… I hate it. The main home page has very large fonts and I feel like I have to be even more careful about my privacy than before. Please bring back the previous version. Thanks

## Frequently asked questions about VCCU Mobile

### What can I do with the VCCU Mobile app?

The app allows you to securely access your accounts 24/7. You can view balances, pay bills, send and receive money with Zelle®, manage credit and debit cards, deposit checks remotely, schedule transfers, update account information, apply for loans, and open new accounts.

### Is the VCCU Mobile app free to use?

Yes, the VCCU Mobile app is free to download and use. There are no subscription fees or in-app purchases mentioned for accessing its core banking features.

### How do I deposit a check using the app?

The app features 'Remote Deposit' which allows you to deposit paper checks by taking photos of the front and back of the check directly through the app. This eliminates the need to visit a branch or ATM.

### Can I send money to friends with this app?

Yes, the app integrates with Zelle®, enabling you to securely send and receive money with friends and family directly from your account. This is a convenient way to split bills or pay back individuals.

### What are the benefits of using the mobile app for banking?

The mobile app provides convenient 24/7 access to your accounts from anywhere. It streamlines common banking tasks like checking balances, paying bills, depositing checks, and managing your cards, saving you time and effort.

## Version history (last 5 releases)

### 4022.1.1 — 2026-08-18

Our new experience provides easier access to the features you use most while on the go. This new version includes updates to the accounts, mobile deposit and navigation experience.

### 4022.0.0 — 2026-07-23

Our new experience provides easier access to the features you use most while on the go. This new version includes updates to the accounts, mobile deposit and navigation experience.

### 4021.1.3 — 2026-06-09

Our new experience provides easier access to the features you use most while on the go. This new version includes updates to the accounts, mobile deposit and navigation experience.

### 4021.0.2 — 2026-05-04

Our new experience provides easier access to the features you use most while on the go. This new version includes updates to the accounts, mobile deposit and navigation experience.

### 4020.2.0 — 2026-04-07

Our new experience provides easier access to the features you use most while on the go. This new version includes updates to the accounts, mobile deposit and navigation experience.

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## More apps by Ventura County Credit Union

- [VCCU Card Manager](https://appshunter.io/ios/app/vccu-card-manager/id1577987485)

All apps by Ventura County Credit Union: https://appshunter.io/developer/585839405

## Related topics

[vccu mobile](https://appshunter.io/ios/topics/vccu-mobile) · [vccu](https://appshunter.io/ios/topics/vccu) · [ventura county credit union](https://appshunter.io/ios/topics/ventura-county-credit-union) · [ventura credit union](https://appshunter.io/ios/topics/ventura-credit-union) · [ventura county](https://appshunter.io/ios/topics/ventura-county)

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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 2026-08-19.*