# VCCU Mobile — user reviews

> 70 indexed App Store user reviews of VCCU Mobile by Ventura County Credit Union, rated 3.90/5 from 44 ratings.

- Source: https://appshunter.io/ios/app/vccu-mobile/id907580885/reviews
- App overview in markdown: https://appshunter.io/ios/app/vccu-mobile/id907580885.md
- Rating breakdown: 5★ 28 · 4★ 4 · 3★ 2 · 2★ 1 · 1★ 9

## 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

## Newest reviews (14 of 70)

### 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

### 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!!!!

### 2/5 — Meh

*2024-08-10, version 2.8.0*

The app works when it wants to and is best near wifi but times out at the most inconvenient times. The bank itself doesn’t seem to care if you’ve had an account for 20 years or 1 year. I’m sure their are benefits to having a credit Union , I’m just not experiencing those benefits.

### 2/5 — Mobile deposit constantly not working

*2022-02-03, version 2.7.3*

Nothing else wrong with the app, why can’t they fix mobile check deposits? Weird how everything else works except for that. Needs to be fixed now more than ever in times of Covid

### 2/5 — Barely functions

*2021-09-06*

The app won’t display my balance (at the moment, anyway) so I can’t use it to balance my checkbook, or to see how much I’ve been spending and where I’ve been spending it, or whether a payment has gone through. 

Bill pay works, at least, which it no longer does on the website although I’ve turned off all my popup filters and use Chrome. 

Oh hey, it just randomly signed me out, which is irritating. Also, it won’t show what I paid the previous month for payees, which means I have to look up the amount elsewhere instead of just paying the stupid bill.

You did a crap job, guys. Please redesign it.

### 2/5 — Remote Deposit Needs Work

*2021-08-16, version 2.7.1*

The system lags then times out every time I try to make a remote deposit.

### 2/5 — Bad Remote Deposit

*2021-07-03, version 2.7.1*

It’s only good to check your balance and maybe a transaction.

One of the most important tools, the ability to deposit checks remotely, does not work.

### 1/5 — Worst app ever!

*2021-05-18, version 2.5.0*

The deposit feature on this app is horrendous 
I’ve spent so much time trying to complete deposits and they still don’t go through.
I’ve lost funds because I’ve assumed the checks were cashed when they were NOT.

I’ve called the customer service number and they state they have 0 complaints.
The deposit will time out so you have no idea of it went through or not!

### 1/5 — Does not work ever

*2021-05-15, version 2.5.0*

This app does not work 9 times out of 10. 
It’s antiquated and errors out constantly. 
We need to use our app with our day to day banking needs and this simply falls short.

### 2/5 — Sometimes works?

*2020-12-24, version 2.5.0*

As per another reviewer, it is also my experience that the app works sometimes and not others. It is also painfully slow when it does work. Most frustratingly, it randomly signs one out of the app, requiring one to re-enter their password, despite having touch ID enabled. No other banking app does this, why must you? It’s terribly frustrating.

### 1/5 — Horrible App

*2020-12-13, version 2.5.0*

This app never loads. I uninstalled it and it’s still saying it’s installed and won’t open.

### 1/5 — 2 hours trying to deposit a check

*2020-10-27, version 2.5.0*

It’s been over 2 hours now trying to get a check deposited.  Originally the app wouldn’t even open - an error that the variable $ was in valid.  Finally loaded and then it wouldn’t finish the deposit transaction - error loading page.

No technical or IT support is available to discuss and it took over 30 minutes to get someone to tell me that.  

Worst banking app ever!!

### 1/5 — Horrible

*2020-09-28, version 2.5.0*

This app works only when it wants to. Even on WiFi it’s super slow. I like having a mobile app but this never works. I had to call the automated system to check my balance! Like what?!!!! In this day and age the app should be working properly and giving us access to our accounts.  I wish it also had Zelle like all the other banks. Really needs some serious upgrades

### 1/5 — Garbage

*2020-08-23, version 2.5.0*

This app is garbage.  Remote check deposit does not work, whatsoever.

## Most critical reviews (10 lowest-rated)

### 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

### 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

### 1/5 — Infuriating app

*2024-04-19*

This mobile application alone is enough to make me close my account. In this day and age of technology, how can a financial institution be so bloody slow to update their mobile app. I get that VCCU is patronized by a whole lotta old folks but how shortsighted is this approach to not have a legit mobile app?! 

It pretty much works when it wants to. Getting “error failed to login” happens 95% of the time. It is beyond frustrating. Fix your freakin app or lose more people. There are much better and more convenient options out there for people. Agriculture money accounts can’t keep y’all afloat forever.

### 1/5 — Horrible

*2022-11-10, version 2.7.3*

The app is terrible. Rejects every deposited check too.

### 1/5 — My worst regret

*2022-09-16, version 2.7.3*

This bank seems to answer whenever they please to and seem to give wrong information about your credit card depending on who your working with.

### 1/5 — May Close Account

*2022-01-14*

This app is so poorly done I am at the verge of closing my account. In an age of digital banking this app looks and functions like a piece of 1995 software. It lacks biometric login as well as 2 factor authentication. On top of it all, as others have stated, the remote deposit is inconsistent to say the least. The best part is that you have to specifically write on the back of your check under the endorsement that the check is for remote deposit only, leaving you with no other option but to hopefully get your funds deposited via the app if it decides to function. In the mean time it seems they have decided another companion app is also necessary to do banking with them. If you cannot get the first app running properly you should not be trying to take on another.

### 1/5 — Homepage doesn’t load

*2022-01-13, version 2.7.1*

For a couple weeks now I have not been able to login to my account because the app just gets stuck loading!   I’ve contact the bank to let them know and to get back to me with an email that it’s been fixed,  but obviously nothing has been done.   
I think it’s time to move banks

### 1/5 — Barely works…sometimes

*2021-09-09, version 2.7.1*

This app works very rarely. I’ve never been able to remotely deposit a check, and I often can’t even get the app to open. Sometimes I can log in but won’t get past the loading screen, but often it won’t even get to that point. It’s been buggy for ages. I wonder if they will ever fix it, or even care to. Terrible experience all around.

## Most praised reviews (10 highest-rated)

### 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.

### 5/5 — The new app is great!

*2024-08-13*

Easy to use and lots of new features including credit score and monitoring!

### 5/5 — Love the app

*2021-08-04*

With facial recognition it is easy and quick to log in.  I have never had a problem with the remote deposit feature and it has saved me a lot of time.

### 5/5 — Gets the job done

*2018-08-26*

While this app is mostly just a WebView, it works very well and I haven’t found any bugs. It doesn’t have the same gimmicky features as the “big bank” apps, but it supports everything the website can do. Sometimes simpler is better. Touch ID works well too!

### 5/5 — Not a good app

*2018-06-16*

Its hard for me to keep track of how much money i got in my bank account. It takes about a week after purchasing something for it to show and tell me my exact amount i have left. NEEDS TO IMPROVE

### 5/5 — Touch Feature - So Great!!

*2017-06-09*

I am one of those that obsess over checking my bank account often and I am so thrilled with how easy it is now with the new touch feature! You just have to go into your profile after logging in, and enable the feature! I logged out and logged back in using it and it worked like a charm! So great! Thanks VCCU!!

### 5/5 — Gets the job done

*2016-01-09*

Easy to review transactions. Easy ability to Transfer payments to my loan and funds to my savings account. Easy mobile deposit by taking picture of front/back of checks. 

App is ugly and looks like a novice app designer put it together. Definitely not good looking like the major banks, but it gets the job done.

Don't know what the negative reviews are for. App has worked for over a year with no problem. Maybe you all need to get new iPhones.

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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.*