# Y-12 Federal Credit Union — user reviews > 21 indexed App Store user reviews of Y by Y-12 Federal Credit Union, rated 4.85/5 from 9,346 ratings. - Source: https://appshunter.io/ios/app/y-12-federal-credit-union/id925762237/reviews - App overview in markdown: https://appshunter.io/ios/app/y-12-federal-credit-union/id925762237.md - Rating breakdown: 5★ 8,446 · 4★ 646 · 3★ 117 · 2★ 49 · 1★ 87 ## What do users think of Y? Overall sentiment: mixed **Pros** - 👍 Friendly service - 🚀 Convenient app - 💯 Excellent customer service - 🤝 Helpful staff **Cons** - 🙁 Frustrating experience - 🤔 Restrictive deposit limits - 🔒 Difficult to link accounts - 🐛 App not working properly **Commonly reported bugs** - App not working for some users - Payments not showing up in app **Most requested features** - Shared branch access - Improved face recognition ## Newest reviews (3 of 21) ### 5/5 — Efficient bank app. *2021-04-07, version 5.10.4381760* I’ve been with Y-12 almost four years. I got their app right way. Contacting them for help is no problem. Solving the problems can be quick and I’ve gotten it done once at night before. The transferring and depositing is very easy and fast. I love the bank and their app. ### 5/5 — Scott walker *2021-04-05, version 5.10.4381760* Hands down the best financial institution I’ve ever done business with , even as an employee if another financial institution, I was treated way better as a customer at y-12fcu !the people are always helpful and diligent as well as friendly. ### 5/5 — Does everything I need! *2020-07-08* This app is easy to use and navigate! I love the face recognition option for an even quicker login, too! ## Most critical reviews (10 lowest-rated) ### 1/5 — They don’t work *2023-06-17* Not only did they close early saying “ maintenance” just so they don’t have To take anymore customers they didn’t even answer the teller even tho it was 1 and they weren’t closed and the other locations wouldn’t work either and I can’t even log into the app to get my bills payed now ### 1/5 — Worst bank ever *2022-06-27, version 5.10.4382040* I have been a member of Y12 for 12 years now and I have never had an issue with this bank until I moved an hr and a half from the closest branch and found out that it is an absolute nightmare to try and link an account to ANYTHING so that you can transfer your money to the account. You leave us no option other than to either drive to the nearest branch to deposit the cash for no charge or I have to pay the transfer fee from another institution which is absolutely ridiculous at $30 for a transfer. You can say it’s for security all you like but it’s really just a racket to force people into paying fees we shouldn’t have to pay in order to transfer our hard earned money just to pay bills. I honestly will be trying to get my loan refinanced somewhere else so that I can close the account with this ridiculous bank. If I can’t I will close it once my loan is paid off either way I will find a way to be done with this joke of a bank permanently. **Developer response:** Thank you for your feedback. Y-12 FCU does not charge a $30.00 fee. Please contact the main credit union number (865)482-1043 or e-mail our support at OnlineBanking@y12fcu.org. We cannot identify your account from your review comment to contact you for a resolution. ### 1/5 — Won’t work *2021-04-12, version 5.10.4381760* I use an iPhone 12, updated settings, and this app will not work at all. I’ve made 3 calls to customer service and the tech team says they cannot give me a reason why I cannot log on. Always says “invalid login” for my valid information (which has been double checked and verified by customer service numerous times). I’m extremely capable to login to an app, and so is my senior software project engineer husband, and neither one of us can do it. Very frustrating when I just need to deposit a check. I’ll probably just go to another CU in the long run. UPDATE: I contacted customer service four times in three weeks, as last week I got kicked out again. I spent 25 minutes trying to solve the app possibly with the agent (who called tech support) and was told they have never seen this problem, and from there end they couldn't figure it out, so the app just won't work for me. Her words exactly. **Developer response:** Thank you for your feedback. We have not heard of this issue for iPhone issues. Please contact the main credit union number today with this issue (865)482-1043 or e-mail our support at OnlineBanking@y12fcu.org. We cannot identify your account from your review comment to contact you. ### 1/5 — Never works right *2020-02-09* Has random errors and should be updated more new phones with old apps don’t work well together . I pay payments on my car through the app and sometimes the payments don’t show up “ever” even though I did pay . then they hit me with a repo fee of 450 dollars telling me it’s my fault “my responsibility” told them about how the app needs fixed up and updated more but they say cut me off and tell me to pay more fees **Developer response:** We are sorry to hear about your issue. Payments are not accepted electronically on severely delinquent loans. We normally make several phone calls and send notice letters to members with delinquent loans before repossession occurs. ### 2/5 — Frustrating *2023-05-11* We have a business account. There is a daily limit and a monthly limit for deposits. Which in is very low in our opinion. So much of the time, the convenience of the mobile app is not convenient at all for I can’t make half my deposits. Otherwise great. ### 2/5 — Face recognition *2021-05-21* The face recognition goes away every time you have an update . I haa was very used other apps and none of them have this problem. I’m very frustrated with every time I return I have to enter my password. Please fix it! Thank you. ### 4/5 — Very easy to use *2022-06-03* This is one of the best applications I have used. Very easy to maneuver and keep track of my finances. ### 4/5 — Shared Branch *2021-04-05* Wish you would become a shared branch again. I receive funds from another credit union and need to be able to move funds from each account to the other. **Developer response:** Thank you for your feedback. The credit unions offers an transfer option in online banking that supports moving funds from the credit union to other banks and credit unions. It is called FI to FI transfer. Please contact the Y-12 FCU call center for additional info. ### 5/5 — Friendly service *2023-06-01* Customer service representatives are courteous and helpful ### 5/5 — Y-12 credit union *2023-04-17* The staff at Y-12 credit union in Harriman Tennessee was extremely helpful in setting up my account on my phone ## Most praised reviews (8 highest-rated) ### 5/5 — Convenient *2022-12-11, version 5.10.4382120* I like the app, it comes in handy to look at accounts quickly, transfer money, I really like the mobile deposit. Good job !!! The branch I use is great as well in Clinton near I-75 ### 5/5 — Great *2022-10-27* Love the fast card replacement at y12 no questions asked… can get free different prints. Love the app it’s quick and effective. Very simple ### 5/5 — Awesome staff!!! *2022-06-23* The staff at Y12 Maryville are awesome. They always greet you with a smile and hello. They are quick to get your transactions taken care of and out the door you go. Another satisfied customer. ### 5/5 — Best ever *2022-06-19, version 5.10.4382040* Y-12 became my bank after I moved to Oak Ridge TN from Portland OR in 2014. I am amazed to find myself a senior citizen. In the years since I have lost my debit card twice, misplaced documents that they happily reprinted and helped me navigate a personal loan. Their customer service is the best I have ever found. No matter where I move in the US, Y-12 will be my financial institution. ### 5/5 — Very good organization *2022-05-07, version 5.10.4381960* It’s really easy to access your card information from a app. It’s helpful to know how much money I have in my card so I don’t overcharge it! ### 5/5 — My return to Y-12 *2021-11-23, version 5.10.4381960* I went to my local Y-12 office today in Clinton and was apprehensive about re-opening an old account with the credit Union but Cheyenne Strong was very professional and caring and actually made my day! She guided me through everything and was the perfect consultant I needed to assure me my decision to return to Y-12 was the right one! ### 5/5 — Sevier Y-12 *2021-05-05, version 5.10.4381760* The people at this bank are so nice and willing to help in any issues you might have or ask. Enjoy service which is usually very quick and they always thank me for banking with them. ### 5/5 — Excellence *2021-04-15* Everything about Y-12 for me has be excellent. From the customer service to the services available. --- *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.*