Using the app it is ridiculously difficult to make a mobile deposit using this app. I have never successfully been able to do it. It makes me take photos over and over and over and over and over and rejects the images no matter how many times I adjust the camera, lighting, framing, you name it. The ONE time it was a successful photo and *supposed* deposit, I had to wait two days only to learn the deposit was rejected due to God knows what, and I had to call to even find that out. I wanted to know one time how I needed to endorse my check for mobile or night drop deposit, and it was nowhere to be found. When I try to find out ANY information from the app, it has nothing. That was the app review. The bank review is lukewarm. The mobile alerts are useless, as they arrive a day or more after the actual event, depending on whether it’s a weekend. Since when does an automatic alert need to depend on office hours? If there is a purchase on my debit card, even if it is over the weekend or after 5pm, I expect a text right away. What if it was fraud? I would never know in time to do anything about it before something catastrophic happened in my account. This is no bueno. If I made the purchase myself, I want to know the transaction was successful. Similarly, if I make a deposit of ANY kind (in person, drive thru, mobile, night drop), I want to know the moment it’s successful, and I don’t mean when it’s posted. I want to know when it was DEPOSITED. Last time i made a mobile deposit, it was held for review. Fine. But it disappeared into thin air. Not any evidence at all that I attempted a deposit. I want to see a PENDING deposit in my account. The banking hours on Saturday are not long enough. Noon is very early to close on a Saturday. 1pm is the earliest I’ve seen with any of my previous banks. I became accustomed to a certain standard of service from my previous bank, and since switching I have been disappointed with FTWCCU at almost every turn.
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