802 Credit Union

I feel so much more comfortable at 802CU than at a big bank… I do share an account at a “big bank” with my husband, but only because he shares one with me here at 802CU. I just find it so much more accessible here. The bill pay features work for me, transferring funds is easy, and 802CU has features like Zelle and online loan applications… they keep up with modern banking needs while still maintaining a mom and pop feel.

I love this app. It is so helpful and convenient for my everyday banking. There are some flaws that happen often. It will say that my password is wrong and won’t let me in. Always at the most inconvenient times! It also will deactivate face recognition and’s won’t let me reactivate it. Then I have to go to the bank to fix it. They can’t seem to figure out why it happens. Also I would love if our bank could make the debit cards right there at the bank. It’s extremely difficult to have to wait for new ones!! Some times these issues make me want to switch banks. I have seriously thought about it. I love this bank and have been a member for 17 years. I really hope they can fix these issues.

I am furious with this app. The formatting is confusing and glitchy. I’ve needed to change my password multiple times because it says I’m entering it wrong, even though I know I’m not. Back when it was River Valley Credit Union, I set up my checking account to opt out of overdraft protection so that my debit card would just get declined instead of me getting a huge overdraft fee. Now apparently that agreement is null and void. I was given no notice for the policy change and thus had no reason to think that there was any issue. Unfortunately, it seems I’ve now been charged a ridiculous amount of overdraft fees so now my account is hundreds of dollars in the negatives. Meanwhile, my card has been going through just fine while I make small purchases of less than $10. I am so upset. This is catastrophic and I can’t afford this. I just received several insufficient funds notices in the mail but until now, I never knew there was an issue. Terrible business and awful app.