Black Hills FCU Mobile Banking

This is the easiest to use banking app I’ve experienced! There is no fluff, no pop ups asking me to get a credit card. Nothing annoying. The only thing I want is our nicknames for accounts to show up, with multiple children it is difficult to distinguish between their accounts.

About 10-15% of the mobile deposits I make fail even though the app tells me they were successful. This seems to happen after business hours. I’ve had success re-depositing the next day, so I don’t know why they were rejected the first time. I’m very careful to follow the instructions on the app, including the “mobile deposit only” notation under my endorsement. Usually, I just resort to my Wells Fargo (boo!) app because I don’t have time to check if the prior day’s BHFCU mobile deposits were successful.

I’ve used the app for years and it is solid. I’ve had very few issues. It needs to have an option or a companion app that pushes alerts for individual transactions. We have an Ally account that does have this ability. Because we have this, we were automatically aware of a couple of small interviews transactions we didn’t make. We shut the debit card down. A day later 62 transactions were declined on the card. With this app, we would have likely missed it (Labor Day Weekend) because we don’t check transactions every day. I have no doubt BHFCU would’ve resolved the dispute and we would get our money back but how long would it take? Even if it was on Tuesday when they opened up again, you’ve lost the money for a holiday weekend. BHFCU is a SOLID institution. I’ve done business with them going on 30 years and I will always have an account there. However, I will likely stop using debit card (and get a new number to be safe) until this feature becomes available.