SDCCU

I’ve been a member using this app for about ten years. I’ve deposited probably 100 checks without a single one returning. I’ve never had an issue logging in. It’s pretty easy to find any service I need (basically everything is under the self-service tab). I’ve never gotten an annoying pop-up advertisement like I have on bank apps. Not fancy but works fine.

Let me tell you something, they were right about that on the website. Any time, Anywhere the app will be "down for maintenance ". Gotta deposit a check at midnight cause thats when you got off? Cant do it! Gotta transfer money? MAINTENANCE surprise surprise. Dont say any time anywhere on ur website if the app only works during normal business hours. Honestly more convenient to just go to the bank. The app lets you see your money and thats the most reliable thing about it. 2 stars cause I mean I can atleast see how broke I am before I deposit my check at the bank the next say instead. Who cares if I have bills to pay or things I need to buy or money to move not these guys.

Not a fan of the mobile app—it feels outdated compared to other banks. U.S. Bank’s app has more advanced features and shows real-time transactions, while I notice some transactions here are delayed by a day. Managing multiple accounts is also inconvenient since I have to log in and out of each one, whereas other banks allow all accounts to be viewed under a single login. The credit union itself is great, but I’m not a fan of their mobile banking or ATM system. The ATMs also have a limitation of only accepting $20 bill, which can be frustrating.