I’m only into my first year with this CU’s app, but I have been enjoying it. There are still some issues I’m having on a consistent basis, such as buying a share certificate one month and then unable to buy one the very next. Unfortunately, this time it happened on a Thursday night and several attempts later and with the advice from the CSR on the phone, I still failed. Since it was now Friday, after hours, I had to wait until Monday morning to call for assistance. By then, the rates dropped from 6% to 5.8%! I also added a beneficiary to three accounts without a problem, but on the fourth attempt (a new certificate) I could not find it in the app or online. Again, the CSR’s solution is for me to call and let them do it for me. Well, that’s not fixing the problem. I hope these issues can be fixed and the app and online banking can work as intended. I’m very pleased with the rates being higher than my current financial institutions. I’m also very satisfied with the efforts and friendliness of the phone personnel each time I’ve called. Customer service has been horrid with a couple of my other banks. Popular Direct and Wells Fargo to name a couple!

I’ve been banking at Credit Human since it was San Antonio Federal Credit Union. I initially started banking there as I purchased a car through a dealer and they financed it through SAFCU. I realized that they were much nicer to deal with and a smaller institution than my bank, I felt the likelihood of my account being scammed would be less likely than at a BOA or Wells Fargo so I moved my checking to them. I have never regretted the decision. I have since been scammed but working with the people at Credit Human made the unfortunate experience, not so much of a nightmare that I’ve heard other people talk about. You’re not just a number at Credit Human. You are still an individual! That’s refreshing in today’s world!

The banking app needs improvement. My biggest issue is that pending transactions are not reflected in the current balance. This makes it difficult to know how much money is actually available and can be confusing when managing my account. I would like the app to show a current available balance that includes pending transactions so customers have a more accurate picture of their finances.

Over all I like the new app. It does have one major issue and it’s the mobile deposits. Your deposits default to your savings. This to me seems like the best way to get people to have to pay NFS fees if they don’t select what should be by default your checking account. Who deposits straight to savings especially when people are living paycheck to paycheck even more than ever. I find this to be a huge issue I waited for over a week for a deposit that I thought was stalled but I never thought to look at my savings balance. So far it’s happened three times. Is there a default account option or am I correct to assume it’s a money grab for the credit union turning bank.