L&N FCU Mobile

I’ve always had a great experience with L&N Federal Credit Union. Every time I visit a branch, the staff is friendly, knowledgeable, and genuinely willing to help. It’s refreshing to bank somewhere that still values personal customer service, and I truly appreciate everything the employees do to make banking easy when the branch is open. The one improvement I’d love to see is the addition of ATMs that accept cash deposits. There are times when I need to deposit cash after business hours, and having that capability would make a huge difference. It would provide much more flexibility for members who work long hours or receive cash outside of normal banking hours. Overall, I’m very happy with L&N Federal Credit Union and the excellent service they provide. Adding cash-deposit ATMs would make an already great banking experience even better.

I’m sorry, the new addition of the news feed is invasive. Notifications every time something is posted—with no option to disable (nothing that sends notifications should be without a user’s ability to disable or enable), and the only way to clear the little red number is to click on the post, which opens a browser tab. I’m not seeing new content. I’m getting new notifications for the same stuff. I’ve spent more time in-app clearing annoying notifications than I have managing my finances. At this point, I’d prefer the whole feature to go away. I’m not interested in the content anymore. The work it takes to keep my home screen clear of red numbers has soured me on the content and the feature entirely. The app overall works well enough for its purpose, but feature development should be focused on things that would help members manage their finances. Savings goals, for instance. Credit building. Investment advice. It feels as if focus is directed by a management team too high up the chain, coming up with shinys than people more connected to what members need.

The app is very basic and has hardly any features that a real bank offers. But I suppose that’s more of an observation of how this complete institution is ran. For one reason or another I allowed this bank to have my business for far to many years not as a primary bank but as a secondary bank I used for other reasons over the years. But a few years back I had decided to use them as my primary bank verse chase bank (which by the way I highly suggest). From the start it was obvious that the way L&N carried business it was fairly old school but nothing to serious, but as the different life events happened like needing to use my bank card to get an uber and not being allowed because it was a Saturday night after 8pm and I hadn’t released my card for the evening.... I hope you get the point I have many other examples such as not being able to make hotel reservations while on the road because of the aforementioned reason being a Saturday night and all...... I hope the point has been driven home I won’t mention the very unacceptable experience from today but it was a much worse and truly unforgivable experience. I would highly recommend that you think long and hard about allowing a place as poorly ran as this to hold your money for you.