Citadel Reviews

Citadel is awful to be honest. And maybe its not Citadel so much as this app's system in general. You cant make payments by credit/debit card through Citadel , like almost any other app. Money has to be transferred from your bank account, to a this app account, which you'll then use to pay off your other this app account... Just a pointless way for this app to tie up your money. Furthermore, when I finally was able to make my payment by credit card, my account number came up invalid. I eventually figured out the issue, through Google searches, but beforehand I called this app customer service to fix the issue and the representative was extremely unhelpful and couldn't verify my account number with me, despite all of the information I was able to give her because apparently without your account number first, no further information can be accessed. Yeah, this app's kinda trash.

Unfortunately I am compelled to write this after being lied to and pushed around by customer support after they made multiple mistakes on my account but refuse to actually help me. They would rather spend hours going back and forth via messaging in their app instead of apologizing and refunding me my money they wrongfully removed from my account. Then, they sent a refund but it’s for the incorrect amount and they only put it back towards my loan instead of back on my debit account where they took the funds from! Until recently they were an amazing company to deal with but as soon as this loan is paid off I will never recommend them to anyone ever again!

I have been a customer of this app for a number of years. I have been using bill pay to pay most of my bills. I do not believe it is user-friendly and you must go through so many functions to actually get to the billpayer screen.
When you said your program had been revamped and updated I was really looking forward to a more user-friendly billpayer system. All I see is a new logo. You’ve put in a lot of time and money but I do not see where you have improved it for your customers. Because I have a direct deposit I will probably stay with the system because it’s so difficult to change, that does not mean I’m happy with it.
Judy McVitty

They’ve recently updated Citadel to include credit/debit card controls in the main banking app. While I love this, the move has turned off all of my personalized push notifications and is not letting me turn them back on. When I try to turn on my regular card control push notifications, it tells me, word for word, I need to “download Citadel ” in order to get them. Doesn’t specify what app, but it is telling me this in Citadel that I am already using. Really confused. Chat support is no help

EDIT: 5/28
Developer responded. Again they were no help. Yes I did delete the old card control app, and also tried redownloading and deleting multiple times but it doesn’t make a difference. That’s the only other app I’ve ever used so I have no idea where to go from here. Notifications still do not work

I am new to this app. I made Mobil deposit first time today. Well, after I deposited, I got confirmation email including message “ this app Mobil deposit “ must be noted next to signature. I came back as I just signed check without noted “ this app Mobil deposit “. There was no option edit image or delete transaction. I tried to mobile deposit again with note “ this app Mobil deposit “ without success. I waisted my time!!!! How about add reminder about “ this app Mobil deposit “ before finalizing transaction ? Now credit union will cancel my Mobil transaction and I would need to do it again and it will take additional days.
I recently changed financial institution and moved to this app. The previous bank had this “ Mobil deposit “ reminder before transaction is finalized. You Mobil application does not have it. You have to learn how to build successful Mobil application. I am sure I will find something else , just started my business with this app. Alla Zilberman

I typically use Citadel for all my online banking activity, logging in multiple times a week for balance checks, transfers, etc. prior to this new version I’d go months without the need to access from my laptop. Super convenient & issue-free. Not anymore! The landing page is blank upon log-in 85% of the time. Sometimes after about 25sec my details will show; most times not. Sometimes the account summary shows, but the screen goes blank upon tapping function keys: account details, transfer, etc. No issues with computer browser log in, but I miss the convenience of the quick & reliable app.

I am a new member of the this app bank. I joined October 2017 and am still enrolled. The first 39 days after I opened my account, this app held 3 of my checks. I sat down with an employee at my nearest branch when I opened it and I was never informed about the firdt 30 days that checks will be on hold for 10 days. After my first check was on hold, I called and was told the check would be released after 10 business days. 3 weeks have gone by and I received the check on the 3rd week, more than 10 business days. Now that checks are going directly to my account, I can quickly transfer money from my checking to my savings within seconds. I can manage my account all from one app on my smartphone!

I have been a member of this app FCU for almost 20 years. I have absolutely no problems with thier services what so ever. This application on the other hand is annoying. I have a XS Max and use the Face ID with most of my financial services. I literally have no issues with the other apps. This one will acknowledge Face ID, but then take a very long time to load my accounts or it goes to the loading screen and never loads my accounts. This is very annoying. There have been times when I close it and then open it two or times before it finally loads my account. this app please fix this and bring it up to the standard your institution has established through out your other services.

Citadel has been getting better and better as tome goes on. There are more features and enhancements that have come about in a most opportune time when in-person visits can be hazardous to your health. With Citadel, you can do more and more (almost like dealing with a teller) and if you have questions or concerns, just send a message within Citadel , easy-peasy! Someone always gets back to you usually within 24 hrs! And that’s great. Now we (they, this app) must work on weekend contact (phone a real person) options for emergencies, like adding a card to Apple Pay and getting the card authorized. Not a real severe problem but waiting for Monday to roll around is frustrating. All in all, I wish other banks/financial institutions adopted this way of doing business.

I like Citadel . It has all the functions I need for a mobile environment. It installed easily and with few questions. And when I had a question, I was able to call and get an answer to my question.

The only item I would suggest improving is the photo-deposit feature. If the lighting isn’t quite right, you get a cryptic message. If the background isn’t enough of a contrast you get a cryptic message(the same one!). And if the hand written endorsement on the back isn’t to Citadel ’s liking....yes....same cryptic message.

Citadel is excellent. I’m able to take care of all my account needs using Citadel . I like the chat feature. I get a quick response and excellent attention to any concern I may have. I have taken advantage of the Card Control feature which sends an alert every time there is any activity on my credit cards.
My only suggestion would be to add the option to “see password “ on the sign in page. I see other banks have this feature. It saves time and allows for accurate entry of password. As it is now, if I am not super careful and miss key the password, alerts are sent and it’s too much. Simply adding that feature would help. Otherwise, great service.

I’ve been using Citadel for years and generally I’m very happy with it. I find it well organized and easy to use. The only issues I have are with the Bill Pay section. They show you three dots next to a payee, suggesting a pull down menu, but when you select the dots there are no choices. Canceling or revising a payment is cumbersome, so adding that choice to the pull down menu would be an improvement.

We connected with this app when we purchased my husbands pickup…. They chose us- we didn’t search them out- they have been so easy to work with and the fact that we have a local branch within 10 minutes of our home solidify’s our relationship. We moved our checking and savings to them and are currently looking to finance our home with them! The staff in Oxford, PA is accommodating and eager to help!

Every so often when I try to get on Citadel it fails to load and all it gives me is the time circle going around and around for the whole day sometimes. This has happened too many times. It is practically impossible to get around it. I have rebooted my phone, shut down Citadel , and in cases deleted it and reinstalled to no avail. If you want me to use Citadel you need to make it more dependable.

After doing business with another bank for many years and constantly arguing over miscellaneous fees, I switched to Citadell several years ago & couldn’t be happier. Love the hours, no fees, the professionalism of bank staff, and most of all the user-friendly app. I deposit checks in my pajamas, check balances any time of the day, view my statement at will... love everything about it. Keep up the great job! BTW, I’m now 70 years old. Thank you!

The options I have in Citadel are great- there are so many. I can apply for a card, review my acct details, make payments, transfer funds- even to outside accts, and see a bunch of other stuff I forget at this moment. I log in to make a payment, but finding the page to do that isn’t straight forward, I have to find it every month. But support is always available, so my forgetfulness is frustrating for only a second.

I really like this new app, I’ve never run into any problems with it. It’s convenient, I can check it whenever, and all the new stuff you just added is great. I love this app, I can get ahold of someone at almost any time, and your phone representatives are so nice and sweet, I’ve Never run across one who is mean or disrespectful. I wish you guys had more ATM’s! That’s the only thing that I don’t like....you don’t have enough ATM’s and when I need money I always have to get charged for getting it. But other than that, you guys are great and the new app is great! Keep up the good work, and get more ATM’s!😄😄

Been with this app since moving here in January of 1999. The staff were always helpful and caring. Had a few glitches that happened when my account was hacked not only did they report it to the FBI the replaced the missing money along with the service charges I received when my account became overdrawn. But they help track down the individuals responsible for it. Another time a needed a quick loan to purchase a vehicle. I had the money in my hand in half an hour. Great people, cashiers/tellers are always friendly so are the service representatives. A big thank you from the Spath family.

I worked at AEFCU, before it changed to this app (20+ Years ago). I’ve gone through every step of their online banking and then later on mobile. I’ve never had any major issues that weren’t resolved shortly later with updates.

Since the start of their mobile apps: regular bug/issue updates and many updates to improve the user experience. As a family, we bank with another C.U., but I’ve held on to my this app Accts, for my private accts.

I only rate apps that are extremely impressive. That being said, this is either my 1st or 2nd review that I went any further than rating the ***** stars. If your on the fence, give this one a try.

There are definite brokers when paying bills on line. The system times out within seconds and multiple attempts to pay a bill need to be made. And only one bill payer can be completed at once. Used to be able to save bill being paid and add more from your list of payors. Major inconvenience and it’s been this way for 6-12 months now.