The app is great, I love using it. The only thing I wish was different was on some transactions it only gives a town or something it doesn't list the store it was used so sometimes it's difficult to remember transactions you've made. If the description could be better it would be easier to remember the locations you used your card that way you could know if someone stole your card number or something if someone had used it because you could see a charge for a certain store in a certain town or something. It would be protection for people so they could know faster if they were hacked by identity thieves or something if the descriptions were more detailed. Also it’d be great to have deposits show as pending so you know what will be going into your account before it goes in.

I don’t know why BCU decided to do a major overhaul of the app because it was nothing wrong with it before. But now since this update I can’t see a lot of the information I was once able to see. It’s like they got rid of a lot of stuff instead of adding things and improving the experience. Also I’ll just be randomly signed out of the app and it says it’s due to lack of activity but I’ll be on there in the middle of doing something so that doesn’t make any sense. And it’s not like the sign out happens after a specific time because I signed right back in after the first time it happens and was logged out again within a minute. I know this is only the first version of the update so I just hope it gets better from here on out.

The app is an improvement overall from the first several years that it's been available. More recently it's suffered from kitchen sink syndrome, which can make it difficult to find something specific, or even confirm that a item sought is even available in the app. Mobile deposit continues to be hit and miss. After a good run for the past couple years or so, I am again having problems getting it to accept my back images. Since I had already indicated that they were for mobile deposit only, I probably have no recourse. In short, it's less risky to take your checks to a branch or a deposit ATM. I will never trust the app again. Fool me once... Another item is that security codes on the app return an error when you attempt to authenticate on the web. This is huge because SMS authentication is a major security risk. However, thanks to this flaw, I can't get away from SMS.

I had been a member of many other credit unions during the last 20 years and experienced the level of credit union service. I have joined BCU few months back and was overwhelmed by the superior customer service the bank has provided. Notably I would like to thank Eric Anderson for going above and beyond to meet the needs of a new member. The bank has an excellent mobile app and bill pay service. I would have wished if they start offering Zelle payment service soon. Their interest rates are considerably super (high for deposits and low for loans) compared to the other banks. Beautiful part is the reimbursement of ATM transaction fees! Overall the membership is good value for money. I would recommend BCU to anyone that my be looking for superior service with lots of benefits but no cost at all.