The app makes transferring money between my wife and I (who’s also a KCU member) for bills super seamless and convenient. The only reason it gets 4 stars from me is because I feel compared to other banks, KCU falls behind with modern features. For instance, I’ve been using Chime as a checking account for a while and they have a widget that you’re able to use that shows all of your balances in real-time. So if I make a purchase I can watch it come out of my bank account as soon as the widget refreshes. I also get a notification every time I make a purchase or a bill payment processes, and at the end of the notification it shows me my remaining balance. This is extremely useful for me as it makes my life much easier knowing that a simple swipe or buzz can show me my money, instead of having to go to the KCU app and log in over and over just to see balances. Not to mention, KCU is quite a bit slower at updating balances as well. There have been times where KCU won’t recognize a transaction for days and therefore doesn’t reflect my available balance. I’ve never had that issue with Chime. Aside from credit card payments, everything I purchase goes into a “pending” state within seconds and removes that money from my available balance.If I had a widget for KCU at the least, or was able to be notified when a purchase is made or transaction goes through, I’d be much happier. But they don’t seem to have that option in their “Push Notifications” settings, and since they just went through their technology update and made no revisions to the apps, I can’t imagine these features will be coming any time soon.

Everything brought forward to the main screen makes online banking even easier. Most likely for older folks that are not computer savvy. I appreciate all of your services, when it comes to banking. Remaining at the forefront with the latest innovations, and keeping your members informed on potential scams and latest updates! You deserve a ⭐️⭐️⭐️⭐️⭐️ rating!

The app is at least functional, and the tools like quick transfer, budget, spending, etc are helpful, but it is very frustrating to wait so long for logging in, regardless of how good my connection is, and it is frustrating not getting notifications of payments nor of when balance is low (unless you program in a specific text notification “rule”, which doesn’t even tell you anything in the text except “Account has alerts matching your criteria” until you login to the app—which, again, is really slow and annoying). The app also gets stuck on loading screens really frequently and I have to close and restart the app so often when using it. Also, to be honest, it is frankly a pretty ugly app with no real customization/theme options except for a “large text” theme that’s otherwise the same as the default theme. So, this app is *okay*, but could use a LOT of optimization and improvements.

Overall the app is fine. But it doesn’t have some of the features I’m used to. I wish I could get notifications for money deposited and removed from my accounts and the notification actually tell me what is going on other than it meets criteria. So in order to find out what kind of criteria it meets I have to login to see. Also, how to set that notification up was kind of a pain. With my old bank up I could literally select to get a notification for a withdrawal or deposit of more than whatever amount. And it was easy to find and figure out how to do it. I have this availability for my debit card, but it would be nice to have it for things coming and going straight from the account as well.