UCCU Mobile

I’ve been banking with UCCU since my parents opened a bank account for me like 35 years ago. No complaints about the credit union itself but the app and desktop platform are pretty bad by today’s standards. Which I guess is 95% of my interactions with the institution so my impression of them is heading south quickly. My app frequently glitches out while trying to make transfers, which is the main reason I came to leave this review. More than half the time I try to transfer between accounts I get totally blank drop down menus, making it impossible to complete the transfer. Other things are pretty low-rate also: The memo field has annoying limitations (no special characters, like apostrophes), and the whole system doesn’t play nice when syncing to third party apps like YNAB. Editing recurring transfers is like walking across broken glass. The interface needs a complete overhaul but the functionality makes you wonder if a coding intern designed this online system.

UCCU is hands down the worst company I’ve ever been affiliated with. I’ve dealt with bad and very bad companies, like everyone else, whether that’s a bank, restaurant, retail store, etc. - but UCCU is just way above anything that is bad and neglectful. The only good thing they have is their reps aren’t rude. They still don’t know what they’re doing but they’re nice. UCCU refused to help me during the break of the pandemic. Literally every single company worked with people during the pandemic, but UCCU refused to help me, during a MISUNDERSTANDING, and ended up messing up my credit history for the next few years. Todd Kilmer takes care of anything related to this so he’s probably the most cynic person in there. Despite the number of calls, emails and actual proof of my situation, he explicitly did not help when he very well could have. In addition to all that, their app is absolutely messy and almost impossible to utilize. It takes them 2-3 business days to process payments with a bank account, but they wanna charge a $7 fee to use a debit card. You’re kind of between sword and stone there. I have so many things to say but it’s just such a waste of time. I’ve never wanted to get out of a lease so bad just to not have to deal with this attempt of a company. I’d rather pay double for my car if it means I’ll be with a company that actually values their clients. I hope they go out of business.

I’m very happy with UCCU’s app! I would have given 5 stars but there’s always room for improvement! One such improvement might be a function to track the number of transfers made from any Savings Account each calendar month. This number would then then appear somewhere on the app’s Transfer screen. It seems most members are unaware of the Fed’s utterly absurd “Regulation D,” limit of SIX transfers per month, from any Savings Account and I’ve been told by UCCU Reps that Reg-D has caused huge inconveniences for many UCCU members whenever the transfer limit has been unknowingly reached (especially during the Christmas season). Of course, there is no way around Reg-D. Hence, the next best thing would be to try to prevent it from becoming problematic. I feel certain that the simple function I’ve described would all but completely eliminate Reg-D related inconveniences!