STCU Mobile Banking

I preface this with the understanding that a lot of my money managing is created easier by the way my budget is set up, but! ; I was able to set up 3 separate checking accounts, each with scheduled deposits and withdrawals that I can manage right from the app! And I only had to pay a one time 10$ membership fee! This sets up my finances to provide for my family, save my money, ( and hide it from myself by not having access to too much of my savings unless it is an emergency ) and make sure I never have to worry about a subscription or payment coming back declined or over drafting my card! The moneys always there. No transferring. Just user friendly budgeting c: Only thing I would change is make it more personalizable - even slight settings can give the user more creative freedom. And make viewing the cards information easier, it’s really hard to access

I transfer money from my checking to my home mortgage every month via online. However there are too many options and is confusing. First, it is “regular payment”, then the “amount owed” then “principal only”and then “other”. There should only be three options like regular payment should go to the monthly payment and then principal and allows option to pay extra on principal and principal payment. Whenever I make regular payment it goes to principal which is frustrating because I thought that it will go to my monthly payment which I want to make three months ahead of time. Remove one option either regular payment or amount owed would be great and very helpful. Thank you!

I was really satisfied with the STCU app until they recently “remodeled” it. My favorite feature was the card control feature which did use an external app but would deliver a notification during every transaction. I have had my card info stolen a few times and this helped me to see the transactions and freeze the card before it went further. Now card control is supposed to text you when your card is used but I rarely get text notifications and never at the time of purchase. I expected the new card control to work better than the old one but instead it’s just very disappointing and feels incomplete. The new structure of the app is easy to navigate and does simplify the app. Overall things like snapshot, transfer, and mobile deposit look improved and work well. The app is decent I just wish card control was better. UPDATE: it’s been a few months since I wrote this review and I have to say the app has improved greatly! The card control is now even better than the former system and I appreciate the small aesthetic improvements made to the app as well. Overall I’m satisfied with the app as it does what I need it to do now and I’m not overwhelmed with text messages as I can get the app notifications again ( although texts are an option)