# XCEL Federal Credit Union

> Mobile banking app for managing accounts, payments, and deposits. (iPhone/iPad app by XCEL Federal Credit Union.)

- Source: https://appshunter.io/ios/app/xcel-federal-credit-union/id555546504 (this page in markdown: same URL + `.md`)
- Developer: [XCEL Federal Credit Union](https://appshunter.io/developer/555546507)
- Category: Finance, Utilities
- Price: Free
- Rating: 4.00/5 from 3 App Store ratings · 12 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.6 · 126 MB
- Languages: English
- Released: 2012-09-11
- Data updated: 2026-07-20
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/xcel-federal-credit-union/id555546504/reviews.md

## What is XCEL Federal Credit Union?

Welcome to XCEL Federal Credit Union!

Do more with our XCEL Federal Credit Union app.

XCEL Federal Credit Union allows you to:

-Sign in with Face ID or Touch ID

-Use Quick Balance to view account balances without signing in

-View Quick Balance on your Apple Watch

-Transfer funds between accounts

-View account balances and transactions

-Make loan payments

-Deposit checks

-View check copies

-Pay bills

-Access Statements

-Left/right-handed modes

-Full Neurodiverse features including options for epilepsy, dyslexia, color blindness, and visual sensitivity

...and more!


For more information or to become a member of XCEL Federal Credit Union, visit us at xcelfcu.org

## Key features

- Biometric sign-in (Face ID/Touch ID)
- Quick Balance viewing
- Fund transfers
- Mobile check deposit
- Bill pay
- Loan payments
- Neurodiverse accessibility features

## Recent user reviews (10 of 12)

All indexed reviews: https://appshunter.io/ios/app/xcel-federal-credit-union/id555546504/reviews.md

### 2/5 — Newer version worse than old…

*2025-02-03*

Not intuitive; too many clicks. Called CS 2 wks. ago to report unable to view image of cashed checks.  Told IT is working on it; left message for Supvr. to call back.   Still waiting to hear from Supvr.; still unable to view cashed checks.

### 5/5 — Amazing Update

*2024-12-09*

The XCEL app has finally been brought into the modern era! The changes that have been made this most recent update were much needed and are much appreciated. I only hope the mobile and online banking only continue to improve and stay up to date with the times as more years go on.

### 1/5 — App

*2024-11-07*

Worst app ever
Not user friendly at all

### 1/5 — I can’t login

*2022-09-30*

I’m member more than 2 years and never have been available to use the app, is a obsolete app with no help service.

### 3/5 — Air print statements

*2020-09-01*

I can no longer air print statements from iPhone or iPad.  The IOS icons no longer show up.  All my other financial institutions work fine.

### 1/5 — Terrible app

*2017-10-14*

This is the most prehistoric app ever created. Useless. I hate it.

### 1/5 — Hilariously awful

*2017-04-25*

A bank app that, when you ask to manage your accounts, tells you to install Mint?

It's literally a small set of web pages encapsulated into an app, with no actual functionality of any kind. It probably took the 'programmer' an hour to write.

Usually when people call an app 'useless' they mean 'for me'. This app is useless to everyone, and is literally only here on the App Store because someone told XCEL that they looked behind the times not having an app and so they paid someone's son a thousand dollars to make one.

### 5/5 — Great App!

*2012-09-21*

Finally Xcel is out with an App and it works wonderfully, much more than expected!

### 5/5 — The App was a Snap

*2012-09-14*

XCEL is a magnificent credit union and this app gives me all sorts of easy, secure access.  XCEL unites service with technology!  Now I am waiting for the a ability to take a picture of a check and deposit it using my phone!   Great job, XCEL!

### 5/5 — Great App

*2012-09-11*

I saw and app for this ad and decided to give it a try. It was worth the 4 seconds it took to download! Incredibly FAST and EFFICIENT!

## Frequently asked questions about XCEL Federal Credit Union

### How secure is XCEL Federal Credit Union?

XCEL Federal Credit Union offers secure sign-in options including Face ID and Touch ID. The app is designed for financial transactions, implying robust security measures are in place to protect user data and funds.

### What financial institutions does XCEL Federal Credit Union support?

This app is specifically for members of XCEL Federal Credit Union. It allows you to manage your accounts and perform transactions directly with the credit union, rather than linking to external institutions.

### Can I deposit checks with XCEL Federal Credit Union?

Yes, XCEL Federal Credit Union allows you to deposit checks directly through the app. You can also view check copies for your records.

### Does XCEL Federal Credit Union have ads?

No, XCEL Federal Credit Union does not contain advertisements. The app is free to download and use without any ad interruptions.

### What devices are supported by XCEL Federal Credit Union?

XCEL Federal Credit Union is available on Apple devices including iPhone, iPad, and iPod. It also supports Apple Watch for convenient balance checks.

### How often is XCEL Federal Credit Union updated?

The latest version of XCEL Federal Credit Union is 2025.11.6, updated on February 14, 2026. This indicates frequent updates to ensure functionality and security.

### What are the neurodiverse features in XCEL Federal Credit Union?

XCEL Federal Credit Union includes full neurodiverse features with options for epilepsy, dyslexia, color blindness, and visual sensitivity. It also offers left/right-handed modes for user comfort.

### What is the user sentiment for XCEL Federal Credit Union?

Based on the available data, XCEL Federal Credit Union has a rating of 4.0 stars from 3 ratings. This suggests generally positive user experiences.

## Version history (last 5 releases)

### 2026.6.4 — 2026-07-16

General bug fixes and performance enhancements

### 2026.3.6 — 2026-05-20

General bug fixes and performance enhancements

### 2025.11.6 — 2026-02-14

General bug fixes and performance enhancements

### 2025.11.3 — 2026-01-23

General bug fixes and performance enhancements

### 2025.9.11 — 2025-12-23

General enhancements and bug fixes.

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## More apps by XCEL Federal Credit Union

- [XCEL SmartCard](https://appshunter.io/ios/app/xcel-smartcard/id1540670536)

All apps by XCEL Federal Credit Union: https://appshunter.io/developer/555546507

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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 2026-07-20.*