CEFCU Reviews

I do not live anywhere close to any this app. All my banking is remote. Any time I have ever called a customer service rep I have a 50/50 shot of a rude customer care rep. If I try to do anything on the computer/app the server is down and I can not touch my account. Who ever your IT Company is fire them. I work in it for the military and I would be fired in a heartbeat if our server was down as much as this app’s servers are down. Also any time you transfer any money it takes a week to see it reflected on your account. Heck even a Starbucks gift card is more advanced then this app. It’s embarrassing to be a bank this size and have such horrible issues

The this app online banking app does not keep up with a real time balance for accounts. It’s the most annoying experience I’ve ever had, especially coming from a different credit union in a different state that kept an accurate balance down to the minute of purchase. No bank should be holding purchases in pending for days and not keeping up with a correct working balance in this day and age. Not to mention the mobile deposit app…. 50% of the time it has an error and take two or three shots to deposit a check. And, please note, I’ve only been using this bank and app for about a month and significantly regretting changing banks.

I do not like your guys app at all. I am someone who always using app to keep track of my money and transactions but your guys app does not show the exact amount of money I have instead it shows what I had before making purchases until it gets cleared I think you guys need to fix this especially if it’s not a restaurant waiting on tip to clear that should be only exception. So you should make it to where it shows you exactly what you have after purchasing an item. Also my card gets declined at Valero gas station all the time and will go to different gas station after and it works. Bank of American online banking app is great. Thanks for your time

I have not been a fan of CEFCU . I have another checking and savings which are my primary accounts through another bank, but I wanted a local brick and mortar bank for when I need to make cash deposits or withdrawals or just to have a local institution. So I do not use this account that often and don’t keep a lot of money in the account. However, the remote check deposit feature is not user friendly and often doesn’t work. I ended up having to deposit it in person and the teller told me they often discourage people from using it.

My other banking institution has had that feature in place for awhile and it’s very seamless. Why offer this as a service if you don’t want people to use it? I also struggle linking my accounts; it’s never accurate and overall just not user friendly and challenging trying to transfer money between external accounts.

The ‘online description’ is often mislabeled when the transactions go through. I have had many transactions labeled as the transaction listed right below it and I have to change it to the right one typically by typing the ‘statement description’ in. This causes confusion when just glancing at your banking without clicking on individual transactions to double check that they really are for what it says they are. This error has happened with both credits and debits. I would prefer it uses the statement description for accuracy and kept the option to change the label yourself.

CEFCU works, but lacks basic banking functionality. For example, when showing available account balance it should automatically subtract pending transactions. The mobile deposit could be better, when depositing a check, make it simple and ask which account I want to deposit into and the amount... again, overall CEFCU works. And last (not directly related to CEFCU) Apple Pay has issues with this app. I’ve abandoned using my iWatch with my this app cards because it fails majority of the time and I don’t have that issue with other banks. There is just a lot of room for improvement and user experience.

Why do you not show the next payment due date on any loan information in CEFCU ? You show all of the details, including last payment made, but you don’t show next payment due. That’s very basic information that almost EVERY financial institution includes. Instead, you make me go look for my e-statement, pick the appropriate loan, pick the appropriate statement date, and then look to see if the statement recorded my last payment and when the next payment is due. Just put it in the account overview in CEFCU ! Isn’t that an incredibly simple programming exercise? I’ve asked about this before. Why wouldn’t you want your members to have multiple locations by which to see when they owe their next payment? That’s just smart business.

Lacks quick one click features found in the basic of apps today. While impressive content, it lacks string interest development. For example, I check my used car balance regularly and never once did I get notified that rates are up or down, offers of referral gifts (my daughter was declined a used car loan over your lack breath of working with internet car business Slide, so she was told - so I paid off my loan in a month and am moving on), or and insurance options or affiliations. Privacy guidelines must be maintained, but Marcus, Ally and Capital One is eating up your hard earned saver and borrowers with interest. Before you dismiss this as soar grapes -I love you guys and you have been fantastic in so many ways (note I am on the Board of Family Community Church in SJ and a large church borrower). We have great history so please invest in online presence and those innovations others are talking about for the 25 to 50 year old group. God Bless

When trying to change from paper to estatememts: CEFCU and website will accept the email address i put in, go into a load screen, and then reload the page as if i haven’t changed anything.

When trying to change my address under the “Update Contact Info” tab on CEFCU and website: i enter all my information correctly (receive no errors for not filling in boxes correctly) and then get an error saying “Contact Information Error, your information update was not successful.”

I’ve just moved to a new city, and it would be great to not have my credit and checking statements sent to the wrong address.

CEFCU works for what it is. My only complaint when I transfer money from one account to another it doesn’t always reflect correctly. For example if i transfer $20 to my checking from my savings, sometimes it will reflect that in my balance and other times it will not. Another issue i have with CEFCU is once that transfer shows, i can exit CEFCU and open it again, and its like i never transferred the money. This is confusing and and sometimes causes me to transfer money more than once...please fix. The only way i am able to confirm that the money was actually transferred is by looking at the activity center, since it doesn’t always reflect in my balance right away.

I have a banked with this app for about two decades, 10 of those decades have been using their online services. I have had almost 0 complaints over those years. The complaints that I did have were very very minimal, and mostly my misunderstanding. this app as a company are exceptionally reliable. Any problem that I have ever had has been solved within the hour speaking to a real representative. I have had a few loans through them, and all of them have been fair and very clear. I couldn’t imagine taking my money to a “real” bank.

I like this app CEFCU because it’s a lot faster than having to go to the actual bank. It’s easy to use. But it gets annoying and frustrating with all the loading and waiting sometimes to get in. There’s also multiple times I’ve used the finger ID and it logs me in but just loads. I also wished this app banking app would upload a lot faster. I use to have Heartland Bank and automatically it would take out and show up in my account within 15 minutes. this app’s definitely doesn’t do that. It’s more helpful if it did had this concept! I also think it’s kind of annoying when it says pending after a sale when it does pop up. Like I’ve waiting long enough just take it out. But I do like CEFCU and it’s fast and easy to use!

Setting fraud alert at high levels without advising the customer is an embarrassing practice. My credit card is constantly blocked for what is called suspicious activity when I am out and about in my community I am constantly calling fraud department to advise them of attempts I make to purchase items. I have been with this app for almost a decade I would give you 5 star but unable to due to your suspicious fraud policy that is flawed. At least when it comes to me.

For those banking with this app, CEFCU is solid and likely does much of what you want to do to manage your accounts. My primary usage is for checking status of an auto loan and managing a savings account. The features I’d want to see added are too long to list. Based on my personal banking experience, the gold standard for banking apps are AMEX and Discover Card. The this app app has a long way to go but is surprisingly much better than some big bank apps. Good work, this app.

It a good app but needs a lot of improvements. First logging in I should not have to enter my login ID every-time. CEFCU should remember who I am. Second. Unlike other financial apps there should be a way to quickly verify what checks, deposits, or other withdrawals have been verified they went through the bank. I would like to see a “check box” or some other way to verify just which deposit or withdraw I can register to show which is done and not. But overall rather pleased with the updates

CEFCU, this app interface is simply put amazing. I’m able to pay my loans car payment as well as put money into and out of joint account and personal account. It is just a delight I don’t always have time to go to the bank to take money from my savings to my checking‘s. I work a lot, and I am just happy that CEFCU gives me the ability to make those same in bank changes from the privacy of my own phone thank you, this app

For the last 20 years that we’ve been banking with this app, we have experienced nothing but excellent service from the tellers to the loan officers up to the branch managers. We had our first home refinanced with them and we are very well taken care of. Also, we love that they have mobile banking, now that we have kids who make their own money, it’s easy for them to deposit their own paychecks using the mobile app! Thanks this app!

The this app app meets my needs plus. It does all that I need it to do. It seems to be better n more responsive than the banking app my son has to use. I am very happy with its ability to pay bills, track spending, get details of my various accounts etc. If I ever have a question or issue help seems to be but a phone call away. I can print out any reports etc. and it actually has more bells n whistles than what I use on a daily basis. I recently moved out of state and I plan on staying with this app. So their great online banking app will be just what I need!

I do all my banking online since we live out of state. I am able to complete all my banking needs without any problems. I can keep track of problems, pay MasterCard and our house payment very easily. Because of the online app, I don’t have to change banks. Easy to use. Accurate. Couldn’t do without it. Recently the accounts keep changing up and down on their own.

I LOVE this app’S Mobile App. I use it daily to check my balance, deposit checks, transfer from other accounts, receive money from outside sources etc. There is so much you can do online with your account on your phone and on your computer and on your tablet. Actually, on any mobile device you have. At this perilous time this app REALLY STANDS BEHIND THEIR CUSTOMERS AND I WOULD LIKE TO THANK THEM FOR ALL THEY DO AND HAVE DONE. I REALLY APPRECIATE ALL OF THE REPRESENTATIVES FOR WORKING DURING THIS TIME OF THE PANDEMIC TO HELP US, THEIR CLIENTS, WITH ALL OF OUR NEEDS. I ALSO, COMMEND YOU FOR HAVING THE PATIENCE TO DEAL WITH THOSE OF US WHO HAVE BEEN QUARANTINED AND ARE SOMETIMES NOT AS PATIENT WITH YOU WHEN WE HAVE PROBLEMS AND WANT THEM FIXED YESTERDAY. “GOD” BLESS YOU AND YOUR FAMILIES AND PLEASE BE SAFE. THANK YOU SOOO MUCH.