Royal Credit Union

I switched to credit union banking about three years ago in the hope that it would be easier. It’s not. The reason is because Royal Credit Union’s online banking app is often shut down due to maintenance purposes or for 3rd party evaluations to “verify” their customers like just now that I can’t even log into my online banking app to transfer money from savings account to checking account for gas (I often transfer money between the two accounts to help me better regulate my spendings, etc). This is scary! Imagine going overseas and you have to transfer money between the two accounts and have this issue. This happens way too often and not just a once-in-a-while thing lately! I’ll be switching back to Wells Fargo and just work my way up to paying off debts and buying my first house and not having to deal with these online banking shut downs anymore!

I usually do everything from banking to paying bills through the rcu app. When paying my mortgage I have the option of making a regular payment or just a principal payment which is GREAT being that I tend to pay more than just the minimum payment on my loans but when it comes to my auto loans the principal payment option isn’t available...why?!? I have to drive out of my way to an RCU branch just to be able to make my payment as well as add the rest of my payment to the principal amount. Please make an update allowing principal payments to auto/recreational vehicle loans on the app so that I don’t have to drive 13 miles out of my way to go to a branch in a town that I otherwise don’t ever go to. I dread having to go to the bank so when I don’t have to I use the app for everything else and is awesome! If the principal option is added to auto/recreational vehicle loans I would give 5 stars to this app and even more if possible!

I love this app because it enables me to deposit checks I receive instantly without driving to the bank. I also love the ability to check all my accounts any time I wish with the touch of a finger. Sometimes though it has issues capturing the image of the back of the check accurately and displaying an error message about the size of the back image isn't the same as the size of the front one, which results in me closing out the app and restarting it after several failed attempts. I've kinda gotten used to it however annoying it is...