A better banking experience is here. The new EFCU Financial Mobile Banking App is faster, smarter, and built around you.
Your finances, your schedule, your terms. The EFCU Financial Mobile Banking App puts the power of full-service banking right in your pocket, so you can take care of business wherever you are.
At EFCU Financial, everything we do is driven by one thing — our members. We know your time is valuable and your financial goals matter, so we built a mobile banking experience that makes managing your money as simple and stress-free as possible.
Features Include:
Dashboard – Walk into your financial day fully informed. Your balances, upcoming payments, and recent account activity greet you the moment you log in, so nothing catches you off guard.
Accounts – Every transaction, every balance, every detail — right at your fingertips. Tap into any account to review your history or track down a specific payment or deposit in seconds.
Bill Pay – Simplify your monthly routine. Schedule payments in advance or pay on the spot, and trust that your bills are handled without the back-and-forth.
Zelle® – Send money to the people you trust in just a few taps. Fast, simple, and built right into your app — no third-party apps needed.
Fund Transfers – Whether you're moving money between your own accounts or sending to an external account, transfers are quick, easy, and always on your timeline.
Mobile Check Deposit – Turn your phone into a deposit terminal. Snap a photo of your check and watch your deposit go through — no envelope, no drive-through, no problem.
Card Controls – Stay in control of your spending at all times. Instantly lock or unlock your cards, adjust limits, and monitor activity so your cards are always working the way you want them to.
Credit Score – Your credit score, always within reach. Track your progress over time and use that insight to make smarter financial decisions every day.
eStatements – Ditch the paper clutter. Access a full history of your account statements digitally, available to view or download anytime you need them.
Skip-a-Pay – When an unexpected expense throws off your budget, skip-a-pay gives you the flexibility to pause a loan payment on eligible accounts — right from the app, right when you need it.
Transaction Disputes – If something on your account doesn't add up, you don't have to wait. File a dispute directly through the app and let us get to work on your behalf.
Mortgage Servicing – Keep your home loan close. Check your mortgage balance and review your payment history anytime, without having to call or visit a branch.
Alerts & Notifications – Stay one step ahead with personalized alerts sent straight to your phone. From balance updates to payment reminders, you'll always know what's happening with your money.
AI Assistant – Get the answers you need, when you need them. Our AI-powered assistant is ready to help you navigate the app and address your banking questions any time of day.
This app will ask you to sign in and verify yourself over and over. It will not save settings like password, face recognition and instant balance. You are locked out of your account. Then hours later you try and it will work fine. Very frustrating.
App or what?
Jillibean70
On Saturday November 4th, app started having issues. It would load finally and show balances but you couldn’t load the debts. After a minute or two a box popped up saying there was a load error and to call a number. Well waited until today after having issues all weekend. Figured there would be no one to talk to on weekend. We my husband and I called at different times of the day all day today and no one answered the phone! Then it was coming up saying the whole site was having issues. Still can’t see anything and it has been 3 days! The the heck!
Do better
Annabelle3178
I transferred to this bank mid last year. I didn’t any have major issues at the time aside from the confusion with Zelle. Now more than often, the app freezes way to much to the point that I can’t unlock my card. The app ALWAYS has an “error occurred”. This is ridiculous!! It’s bad enough how outdated the app is…but to constantly have an error happen is just ridiculous!! While this credit union may have its perks, I’d highly recommend rethinking this being an option. No sense of keeping an account with a bank when you can’t hardly access it!
Touch ID is non-existent on latest version
Latetotheshoe
Touch ID worked flawlessly on earlier versions of the app popping up as soon as the app fully opened. Then, I assume in a later version, it always said it “timed out” opening which required that I hit the Touch ID area on the opening screen to get Touch ID up again to sign in. On this newest version I am unable to get Touch ID up even by manually starting it. Please get this fixed.
We've reimagined what mobile banking can be. The new EFCU Financial Mobile Banking App — powered by Lumin Digital — brings a cleaner design, faster performance, and smarter features all built around the needs of our members. Tap update and experience the difference.
Version 27.0.1
The developer, EFCU Financial Federal Credit Union, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
Purchases
Financial Info
Location
Contact Info
User Content
Identifiers
Usage Data
Diagnostics
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Contact Info
Other Data
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
EFCU Financial Federal Credit Union
Size
97.3 MB
Category
Finance
Compatibility
Requires iOS 16.0 or later.
iPhone Requires iOS 16.0 or later.
iPad Requires iPadOS 16.0 or later.
Mac Requires macOS 13.0 or later and a Mac with Apple M1 chip or later.
