Dow Credit Union Banking Reviews

I have been using the new app for about a week and when compared to the old version I first find the new one an eye sore. The new version also does not update my purchases and actual available balance when compared to the older version. It is Monday and purchases I made over the weekend still haven't shown up which could cause me to overdraft my account if I wasn’t paying close attention.

Also information which was easily and pleasantly displayed concerning purchases you now have to click to access vs being readily available.

Dow Chemical Credit Union I hope you didn’t pay much for this new format because you got ripped off and should tell the developer to fix your garbage app.

The last version was far superior!!!!

This new app is more difficult to use than it is worth. I cannot easily view my transactions. Once I do get to them I can only see around four at a time. I also do not enjoy having to go through multiple pages to “quickly” check that everything is in order. It makes me feel like it’s done purposely to deter members from watching their things closely in order to steal from us later. Is that how you want members to feel?

The older App worked much better for the purpose of mobile banking. This one is much slower, and you have to make absolute sure that you refresh several times, because otherwise it may display an old balance and lead you to believe you have more money in your accounts than you think you do. You can also no longer see all your account balances displayed on the home page, and must instead swipe through accounts individually from left to right. They’ve also added more options on the home screen for transfers and bill paying, but the result is a messier interface.

I was expecting quality from DCECU. Unfortunately, DowCreditUnionBanking is not what it’s cracked up to be. I enjoyed the last app as it was easy to use. Not only is this one hard to use, but I’ve found that it glitches often. I was simply trying to transfer money from one account to another and it told me that something went wrong and wouldn’t transfer the money for me. I live about an hour away from the credit union and relied on DowCreditUnionBanking to deposit my checks and to do my necessary banking but I can’t even transfer money. I find it takes too much time to call the credit union to do my banking either. I think I will have to switch institutions.

The former version of the online banking was smooth and simple. It did everything this one does but with ease and simplicity. This one is horribly designed and the credit card page (which takes multiple screens to attain) is not phone-friendly. If I had another option, I would take it in a second. This one was forced upon us as the only possibility. I have gotten to the point where I’m comfortable doing my banking with my phone and this was a huge step backwards. I am actually considering switching banks after over 25 years just to find a better interface.

I appreciate the effort to try something new. But in this case I feel as if they shouldn’t have changed the straightforward single page app they used to have. Too many clicks and taps to get anywhere, accounts don’t have names when doing transfers. Loans and other items don’t have the due date on them, you have to click on it and scroll to check, it also doesn’t have the payment amount up front. When you make a payment it fills the amount for you. Overall it’s overthought and too crowded. Too many options pages and taps. Frankly I don’t like It and wish we still had the older one.

Update:
I don’t know how long it’s been now that I’ve had DowCreditUnionBanking , but my opinion has not improved. As a younger person who grew up with tech in my hand, I thought using DowCreditUnionBanking and working with it would make it easier to use. I was wrong. I’m still frustrated and irritated with how difficult even the simplest tasks are. It has a very user unfriendly interface, there’s just too much! All I want to see are my account balances, transfers and due dates, I don’t want to see “similar transactions” and such. Just be simple. I hope they didn’t pay too much to have DowCreditUnionBanking made. I’d be demanding my money back.

Buttons don’t work. There are a lot of new stuff but ok fine you made it swipe and more buttons ok fine but nothing has labels and when I click to see stuff like my credit card or a bill I own on my card I would think it would pop up, but it just stays at zero how am I suppose to use this new upgrade app like the old one. It won’t show me any transactions at all. I can’t pay what I don’t know. And half the buttons I’m finding out take for ever to load. I’m not thrilled with this new set up at all. The old way was much easier

I don’t really see any advantage to DowCreditUnionBanking vs the old one. My biggest complaint is that it doesn’t open to a list of all my accounts. Further it takes more clicks to get anywhere. Finally I can no longer figure out how much interest was paid along with a payment on my home equity loan. The old app broke it down into principal and interest. No longer, so off to my desktop I go.

Update: The internet access has been changed to look more like DowCreditUnionBanking and I can no longer find the interest amount for my home equity loan there either. :(

Update: On the home equity loan it no longer seems to show the amount available :(

And it’s been now over 6 weeks since this was dumped on us and still no improvements despite all the negative reviews. Last official communication from the credit Union is that the “overall response has been positive”. Would be nice to know if anyone’s actually monitoring these comments or if we’re wasting electrons.

Just tried to deposit a check and DowCreditUnionBanking kept crashing when I tried to dismiss the info window for taking a photo of the back of the check.

Overall, I agree with previous reviews that this new app (and the new web interface) is a giant step backwards. Account numbers instead of names are used, there is no account summary with a “sum of all accounts” so you know at a glance if you’re above water with your loans yet, and a general lack of information density. I know that’s the new style, but it requires too many clicks and swipes to see it all.

The old app was straightforward and quick by default. The new app requires more swipes/taps, and is not as intuitive. Information used to be more compact.
By messing around with settings it got better, but in general still not as good as the old one.
Where are account NAMES when making mobile deposits?
After making a mobile deposit, it still didn’t even show as pending for a while.
The new web page looks very similar and I have some of the same gripes.

Too many accts transactions are listed in one place rather than by account itself (makes it confusing to see money transferred from savings to checking and then listing that it got transferred into checking, and then it left checking for whatever payment it’s covering, money is listed as positive rather than negative when making a payment, annoying to have to scroll through all of your accounts instead of just having them listed. DowCreditUnionBanking itself looks nice, but the functionality is lacking.

The new app introduced new security features. While it is welcome and encouraging that DCECU is taking security seriously, it broke the connection with third party financial planning apps like Personal Capital. Can the dev team please look into the Personal Capital API requirements and ensure the new system is compatible so that consumers can continue to get a full picture of their financial status?

Thank you and it’s encouraging to continue to see improvements being made and I hope that continues while taking feedback from consumers.

This new app adds features previously limited to web portal access, which is a nice change.

Time will tell how it fares, but so far it’s worked accordingly. It did take a few minutes to get my bearings on the layout, then it was fairly intuitive.

Best credit union ever! I have been with them for 15 years and have never had an issue.
They even call in person when you’re going to be charged late fee on your Visa card.
Who does that?

I’ve been a member since 1974. While employed in Midland, help with transactions etc was always fantastic. Since moving to North Michigan in 2014 all my transactions have been by phone or using the DCECU APP. Over the last year as we rebuilt our home and needed accessibility to funds being deposited by our insurance company, the process has been seamless. DCECU and all their staff have been extremely helpful. Thanks!

App is too complicated. Lots of Changes that are not explained properly. Too much requirements to find things in DowCreditUnionBanking . Transferring money in and out of the accounts are harder, so instead of wasting time figuring this out, I instead choose to quit using this bank.

Can’t find anything on DowCreditUnionBanking - you have to dig for everything - like I want to see the balance available on my visa - not there - or even just closing DowCreditUnionBanking - just have to click out and hope you’re good. I feel sorry for my 85 year old Dad trying to use this - it’s needlessly complicated.

I can only assume that all the one-star reviews are from boomers who skipped the tutorial and don't know that you can customize the dashboard. It's nice because if there are banking functions you never use, you can just remove them and they won't take up space anymore.

I have had occasion to interact with many financial institutions over the course of several decades. Over that time I have never encountered a more excellent, professional, customer-focused, services-replete organization. Combine those stellar qualities with their outstanding technology-pallate (Leading Edge without being Bleeding Edge capabilities & features) and the end result is a financial institution that, in my book, is simply the best.

We been with DCECU over 9 years. DowCreditUnionBanking is almost as awesome as the customer service their live customer support.

I rarely rate apps and have to say if your a member of their credit union and have a smart phone DowCreditUnionBanking is a wonderful extension of their services.

Ty DCECU for all have provided, provide and search to continue to provide. Your services are second to none.

At the beginning I wasn’t sure about it. But after changing the dashboard to my liking it’s great. It’s not to crowded. It might take a little getting used to like all new things. But so far I like how easy I can get into my account now. Not a bad app.