Alabama CU - ACUmBranch℠

At least once a month the app and website goes down at random times. Several updates ago it no longer does the simple Face ID to login, it went from the simplicity of Face ID to having to scroll through the saved passwords (thankfully it starts with an A) to find your password, to now you have to either manually enter your password or copy and paste it. Completely ridiculous! As soon as I convince my husband to change credit unions we are because all the complications and hassles are just not worth it, plus none of our local branches do anything in office: applying for a loan of any kind (home car other…) without having to schedule an appointment for someone from somewhere else to come down to the office so you can handle your business. On top of all that they (our local office) don’t even have an updated atm where you can make deposits right there, instead you have to go inside and wait. I am not happy with this whole institute… the only positive thing I have to say about Alabama Credit Union is that the people who work there have been nice thus far.

I’ve had a Credit Card with ACU for 4.5 years. Perfect payment history, always on time. Decided to open a checking/savings account with them a few months ago, applied for another credit card and was declined. My credit score is in the mid 700’s and I have a perfect payment history with them and all my other credit cards. A person did not look at my application…a computer generated response declined me a credit card. This is typical for conglomerate banks, but for a small Credit Union? I was shocked! Very disappointing and I was sent a text message on the ACU app to tell me the “Great News!” Honestly, I cannot recommend this financial institution for One-on-One Customer Service, even as a customer with a 4.5 year good financial track record! They were very unaccommodating, to say the least. Discover and AmEx are sending me new cards as I type this. I just wanted a credit card from the place I bank with. Oh, well.

I wish this App also let you control your debit and credit cards. It would be helpful if this App allowed you to turn your cards off and on. For example your card is missing and you haven’t found it within an hour it would be great if you could have turned it off the minute you thought it was missing. If you find it no problem turn it back on if you don’t call ACU and have it replaced. You don’t have to worry that some one is using it.