MACU Mobile Banking Reviews

by Appmaster 94

Hands down, this is the worst update I’ve ever experienced in nearly any app category. It is mind-blowing how a decent app that is so much a part of every day life can be so absolutely destroyed. Besides the bugs and constant re-verification needed for every small activity, here are a few other extremely lame things:
- You cannot save multiple online accounts like was possible on the old app. This is extremely important to small businesses owners
- Though statements are now available for viewing, it’s useless because there’s no way to print or save them for printing, etc.
- The interface is FAR MORE COMPLICATED.
- Get used to the three circles. You’ll see them more than anything else in MACU.
- Probably the most infuriating of all is how hard they’ve made it to perform a simple transfer to another this app account. I’ve had this for a little over a week now, and have never been able to successfully perform one in MACU .

Mountain America better get their act together. I just can’t believe that MACU was actually cleared for release.

by Kmilfox

MACU was great before!! Loved it!!! Aweful now!!!!! Harder to read and understand and it NEVER works!!!! Have to reinstall almost everytime!! I do most my banking this way, but this is a ridiculous pain now, due to it never working!! May need to change banks, as I work a lot, and need access to mobile banking that works. It was so simple and convenient before. K. I. S.S.!! Now, not simple!! Hopefully they fix the bugs soon!! Also I agree with the other reviewer!! I don’t like going online, that’s why I loved MACU before!! It’s aweful!! Please go back!!
Just to update, this is so frustrating!! I loved the last version, now EVERYTIME I log out I get three blinking dots! I’m not even sure if I’m logged out, which is VERY WORRISOME!! I don’t like to stay logged in on my phone, and I like to see it logged out when I log out!! Now I have to reinstall EVERY SINGLE TIME!! This is a huge deal for people who like to feel secure!!! Why, why WHY did you guys mess with it?????? It was so user friendly and easy before, and I had zero issues!! I’m so frustrated now every single time!!!!! This is truly AWEFUL!!!!!!!!

by Tonksrules12

This new-updated version is the WORST! I have used the older version of the MACU for years with no problem-this new updated version had and still is a nightmare! I made a mobile deposit that never posted to my account-so I called and they “fixed it” by adding the funds to my account-three times!! Yes three times-so I called again to explain they deposited the same check three times-they said they would fix it-blah blah blah.
Next time I log into my account all three mobile deposits have been removed not the two that should have been! Now I have to call AGAIN and sit on hold for another 15 minutes to clear this up after they “fixed it” -maybe time for a new bank!

by Doesnotreviewoften

I loved the this app app prior to the update; easy to use, switch accounts quickly, and much faster loading. With the updated app my life has become much more complicated. I usually quickly adapt to changes with technology but MACU has me very confused. I also bank through this app for my business and loved how easy it was to transfer funds between my accounts, and quickly switch account screens. I still have not figured out how to do this easily in the new app and it is taking a lot of time and frustration for me. Seems to be on the other reviews people are feeling the same way... only ones who seem to think the new app is an upgrade are those who work for the credit union itself (weird).

by FreeWilly68

I would like to agree with the other reviews for the new app. It logs you out in such a way you have to find any open windows on your phone and get rid of any open mountain America apps or you can’t log back in. It is very small print. You re arranged everything into categories so I can’t find things. Transfers are even worse when you have a dozen accounts. EVERYTHING WAS GREAT before! Whoever used this project to advance their career you should fire them immediately. None of this is because I am older my millennial kids hate it too and can’t get it to work. I like others am looking for another bank with a better app. That’s how bad MACU is!!!! I am on my online account. Many times a day and now you have ruined it

by Ambykins212

I just have to say that I loved the old app! With the new app it says I’m no longer able to use mobile deposit, and transferring money between accounts was super confusing when I started using the new app. The old app was much more user friendly! We have our Auto loan, credit card, 2 checking accounts, 5 savings accounts, and it used to be so easy to pay bills or transfer money between accounts. Now when you click to look at an account to transfer money or pay a bill it takes you to a completely new page which made me very confused at first and frustrated. I usually don’t leave reviews for apps, but in this case I felt like I needed to. The old app was 1,000 times better!!!

by Yv20131509

I hate the new update. (Also the “great new update” reviews seem fake if you read them, as if they are from employees. As an ex employee I know for a FACT that managers promote employees to leave positive reviews to help the score...)

If I wanted to use the ugly, outdated, annoying, and difficult website I would! I loved the old app, it saved my password, I could switch between accounts (mine and my husband’s etc) with the drop down...but now the password doesn’t save, it’s actually difficult for me to physically see and differentiate between my sub accounts once I login and I have to retype the usernames and passwords to switch accounts. Someone MESSED UP trying to “update” MACU . Go the eff back! I specifically used MACU because it wasn’t like the website!!!

by Vngealencia

this app had amazing online banking what happened??? The old banking app was so great, easy to use and just all around super convenient I never ever had a complaint. But the new update is just awful I would give MACU 0 stars if I could. It’s so hard to navigate the darn app I can’t do anything on it. I used to pay my visa, deposit checks and transfer money to other accounts with the banking app but now I can’t do any of that it’s basically impossible and I can’t pay my visa until the last day of the month? I can’t transfer money to other accounts it’s impossible and I certainly can’t deposit checks but if i get lucky and it works it takes several days to process now. Boo this app.

by Howthdoigetanickname

MACU updates they did in the last month or so that greatly changed the UI/UX is awful. Understanding software design, I can see why they developed it to slightly resemble the desktop experience but in this case it was a terrible move for a mobile experience. I find I must force close MACU constantly because it gets stuck in a login/logout loop. Something as easy as making a transfer has become a clunky experience. I do like the ease of linking other accounts such as my wife’s so I can easily select and transfer her account, but the overall experience has been degraded with the changes. My wife regularly checks her account on my phone and I do the same on her’s and the old app which saved the usernames for us both was such a better experience. Overall I am terribly disappointed with the new experience of the mobile app.

by Tytymuhles

This new app seemed promising, but it doesnt function the way it used to. It looks cooler, but i am unable to add memos to my transfers anymore, and it scheduled an automatic transfer (which is a great idea and promises more convenience), but it wont let me edit or cancel the transfer! It just keeps telling me there was an error every time i try to cancel the scheduled transfer. I already submitted a complaint through MACU several weeks ago, but i never got a response or even a confirmation email it was received, so i dont even know if that part works! So i am resorting to this review. Please fix this! I use memos and transfers all the time and it makes it very hard to keep track of my finances without the memos. Customers need to be able to rely on the most basic of functionality and so far, it seems as though the focus is on “new and improved” development, without ensuring that what exists already will work properly.

by Rich1km

1st these ratings are as far back as 9 years ago making 4.7 not valid for this new app. I read 10 bad to 1 good.
this app needs to really look at MACU. It has serious issues. My phone is a little older iPhone 6 but it does not have issues with any apps but this one. It has log out issues and freezes. Have talked to many and reported to Mountain America. I have to delete MACU and reload almost every time I log in which is several times a day. Please everyone we need to give this app our feedback. I like the credit union and I think MACU could be good but tight now it is BAD!!!! Can’t log out, failure to authenticate, screen freezes during log out, rolling dots that never end. Etc
I would love to see them put it back to the old app until they can resolve the issues instead of trying to change the wheels on a moving vehicle. I would also like to see some of the old options we had like a drop down that remembers all your accounts so you don’t have to type in a user name every time. Please please fix this.

by MACU Ok But Not The New App

The old app was easier to navigate
Transfers and mobile deposits are not immediately available
Transferring to other this app members is only working for some, I usually transfer to my son and the new app tells me he is added as a contact to transfer to but yet does not display on screen at all so I have not been able to transfer after the first time on the new app
History and pending transactions are not easy to read/track I don’t feel like what I have available is what a truly have any more, costed me a returned payments which means 2 fees one with this app and one with the creditor, which would not have happen if it was easier to follow for transactions
Wish the old app was back

by Aspybaby

The new version of MACU is a nightmare for users. It’s much more difficult to figure out how to perform basic actions, mainly because the format is busy and confusing - this coming from a tech-savvy millennial. But there are additional annoyances that make MACU much more inconvenient than its previous version:

It no longer allows me to mobile deposit a check into my main joint checking account, so frustrating. I have to deposit it to a savings account and then transfer to my checking.

When I make a payment to my credit card, the notification telling me I have a payment due soon doesn’t go away until that date has passed.

After I’ve made a transfer between accounts, the new balances don’t update until I either refresh the page or close out of MACU completely.

Bottom line - I’ve always had a high opinion of this app because it seems like they are very thoughtful of their customers. But I’m frustrated every time I utilize it. Technology is so important right now, MACU has gotta change.

by Megaboo2012

Normally I don’t have issues with this app updates. Usually they are better and better each update. This time unfortunately is very disappointing. It’s a pain to navigate and I my transactions don’t add up. Someone sending money to my account doesn’t even show up. My balance increased but shows no record of the money being deposited into my account. It’s frustrating to have to go to the actual website so I can check my account or still my husband phone. His app hasn’t updated yet so a lot of times I have to make him check things for me. Very disappointed with this update and hope some of the bugs get fixed soon.

by Els212

They took away the fingerprint/biometric login option, so logging in is now a pain. Hate the new look, it’s totally visually unappealing and difficult to navigate. I can’t access my business account with mobile deposit or do anything with it other than check the balance, and finding anything I need is really frustrating. The only thing that gives this review 2 stars instead of 1 is that I do like the mobile deposit a little better with the automatic capture. But again, can’t deposit to my business account, which is where I make the most mobile deposits. MACU needs a LOT of tweaking.

by Slither Fan Man

I’ve used the this app app for a few years now. I’ve never had issues with the mobile deposit until the update. The auto capture is terrible. I feel like it is causing the majority of the issues. It will not auto capture the front on the check for anything, but then it will auto capture the “back” of the check on literally everything. I was able to auto capture my keyboard for the “back” of the check. Everything else on MACU seems fine, the mobile deposit is just driving me up a wall.

by Carlos_A28

Overall, the update has been great! The UI is clean and easy to maneuver. You have more controls available on MACU the you could only previously use on a computer. My one gripe with MACU is that I can no longer pay towards credit cards/loans early. I used to be able to put extra towards a line of credit any day of the month, now it makes me schedule a transfer and that didn’t even go through. I had to wait till the due date and manually transfer money. That’s one of the biggest things for me, I don’t want to wait until the due date. Overall though, very good update.

by Hahaitispokemania

The new app is so much more convenient for my needs. It takes some getting use to in order to learn the changes, and after awhile I don’t want to go back to the old app. The old app was super easy to use but lacked a lot of what this new version offers. I can check my estatements on MACU , set up bill pay easier, rename my account names and a lot more that I love. Being able to also check my credit score and lock and unlock my credit from app and the website is just so awesome. Snapshot is so convenient to see the accounts I want to at a quick glance. Ahh so many awesome changes! For anyone reading this. It takes some getting use to so just play around with it and I hope you’ll love it as much as I do.

by MChonks143

The latest updates (released today) have been game-changing! For someone who does all banking via their phone/online, I can now say MACU is actually user friendly and even has better features — transfers, bill pay, etc... is easy and seamless. More importantly, MACU is no longer constantly crashing - overall I am very happy with these updates and know everyone else will be too!

by AVA Chompers

MACU had an update, and for some reason people are now complaining because of it. APPS have updates all the time for our convenience, sometimes little bugs happen but they tend to improve. After the update I went on and looked over everything for me to understand and it was NOT hard. I think people are just lazy and don’t want to struggle one bit. Why would this app want to make it difficult for us to navigate through their app. Just stop because y’all sounding like little Karens. Sometimes all you need to do is ask and let them help.

by TheCommonConsumer

I’ve never had a problem with MACU in the past and have found it extremely helpful and convenient. I would even venture to say it was 5 star worthy. ⭐️⭐️⭐️⭐️⭐️ Due to recent updates I have found it most displeasing and inconvenient to use the application. From the Login to the general organization it has become a bother to use and hard to understand. I would like to give MACU little to no stars at its current state as of July 2020. Of course with all that has happened this year I am not surprised that even the smallest things (that have been working) have been changed and become more inconvenient. But if I can make a difference (which I highly doubt, unfortunately) in future updates, I would like for those whom take part in the designing of the application to revert to the previous update or at least to something that is more convenient. There is a lot of reviews on this which prove it’s not just a “one person” problem. I love this credit union and plan to stay but I would like for some change to occur to make it the BEST experience for the common consumer.