Indiana Members CU

I’m used to creating passwords all the time, and I meticulously save them. This app tells me my correct password needs to be changed quite often. The Apple Face ID is based upon my password being correct, but of course IMCU acts annoyed when I call and they tell me it’s Apple’s fault. It isn’t. Not really, because I can use the same password for several months from a double-encrypted password protection service, or I can copy/paste with no spaces, or I can’t correctly type my password, and randomly the IMCU app no longer recognizes it and won’t let me in. The original reason I stopped keeping as much money in this account was due to all the faulty charges, but after I got the settlement from the class action suit, I thought it would get better. As for the APP, specifically, I only kept minimal money in this account, because I didn’t know when I’d be able to check my balance. I’ve received the “we’re changing!” emails, but at this point, the app and the credit union feel like a bad ex that I can’t get rid of unless I go into the branch and close out. This app and account are more of an annoyance than a good service. I would’ve liked to use it more. It’s been sixteen years and four months. There are several good reasons I’ve gathered over that time that have me doing most of my banking and financial planning elsewhere. As an Indy resident making over $100K/year, I would think I’d be your target market, but I cannot recommend this institution in good conscience.

I would like bill pay to reflect as a debit as soon as I go in to pay a bill. Not seeing the bills I have paid doesn’t give me an accurate amount of money I have left in the account. Some bills don’t get paid by IMCU for several days to a week so they’re not deducted from my account for several days to a week. I find this very inconvenient. I transferred from Chase & they always showed the deduction as soon as I entered it into bill pay. Made keeping track much easier. I also would rather have each checking account show bills paid separately. I can’t tell which account it is coming from without doing research. Not convenient at all.

In comparison to the UX of apps for any other given financial institution, this one sits remarkably middle tier. There’s some clunkiness when it comes to menu navigation, especially between the hamburger menu and drop-down options in the sidebar. Something I feel may remedy this would be consolidating our options into less and/or more general categories, or to implement them as features on a related page. I don’t have much feedback on stylistic elements, other than maybe a modern refresh. I think these suggestions are most relevant to the obviously fragmented layout and organization of transfers. I’d also like to note that load times are far better than previous versions. Customer support is top tier by any comparison.