UMCU Mobile Banking

A couple of suggestions from a user (who is also an iOS developer). 1. Please add some logic so that tapping backspace on the secure text password textfield doesn’t clear the entire field. I can generally tell when I’ve fat-fingered the wrong key instantly after I’ve done it, and it’s a small but persistent irritant every time it happens, because I have to re-enter my entire password. 2. Hide the Quick Balance button on the login screen if it doesn’t work with OTP functionality, please. I tried enabling it in settings, accepted when the alert said the app would need to store my encrypted password on my phone, and then when I went to test if the button actually worked, I got an error saying that OTP is required. Tapping the Quick Balance button a second time told me I’d need to go into settings and enable Quick Balance in settings. 🤦🏻‍♀️ 3. Hopefully OTP will soon offer an option for texting as well as email. Otherwise the app does what I need it to while I’m away from a computer.

The app had some issue before the recent update but it was much better than it is now. You have to go through so many more steps than you did before. You spend more time in the app clicking than doing what you intended. You can no longer view what is due or when it is due on the app without going through another section in details. It’s really made everything so much more complicated than it needs to be. Transferring between accounts, paying on credit or loan accounts, navigating the app overall has all become harder or contains more steps than necessary. I wish they would bring back some of the older features the way they were.

UMCU is such a good credit union. Why don’t they have good tech like a place like BECU? I know there have got to be other credit unions that have good apps, but this app - which was at least decent before - is now way worse after they updated their underlying online banking system. As someone else says above, something about the authentication process is not working correctly now, so forget about using Mint or any other budgeting software you may have been relying on. What a bummer. I’ve been with UMCU for almost 2 decades, but I can’t imagine keeping them as my main bank in the long run if they can’t get this thing running better soon.