This is guiding me to a better understanding of how to handle my spending habits and how to handle the financial burden that I have created by not handling my spending habits not to mention that I don’t need to be spending more money than I should. I don’t need to get courtesy pay anymore unless I really need it and then I don’t need a lot of of it to make sure I won’t be sure this month I may take less than 200 courtesy pay to cover the coming debts that I have. I’ll talk to someone in the morning about that.

My husband and I have separate and joint accounts through this credit union and when the app changed, it made us jump through hoops to reconnect our accounts. Now, if one of us needs to transfer money to our joint account or to either of our individual accounts, we can only do a max of $500 and have to do a “secret phrase” and type in the phone number to send any money. If we try to send more money the following day, it will say we have exceeded the amount of money that can be sent in a day. Once the money is sent, it takes at LEAST 3 days for it to show the money deducted from the account it was transferred from. This is infuriating and makes it hard to keep track of how much money is ACTUALLY in the account. Which makes it difficult to get our bills taken care of smoothly. Also half the time, the facial recognition doesn’t work and won’t allow us into the app. The new app is a failure and is just making our lives more difficult than it needs to be.

I opened an account about 6 months before we applied for a loan to purchase our new home. Aside from the fact that interest rates were amongst the very lowest available at the time, everyone involved made the process easy even though I had no idea what I was doing. Since then, EDFCU has helped me eliminate my credit card debt and steamline my finances. The app is super user friendly. EDFCU can be trusted with your banking needs, unlike some other financial institutions. Highly recommended!!!!

I must say I wanted to like the app and at times I do but the other times not so much. I’m tired of trying to log into the app to get a “bad request” message 80% of the time. What do that even mean? At first I thought this was a pay week error but I have checks deposited into my account almost daily and this keep happening. This need to be looked into and fixed. I went to my local branch office and they couldn’t help me.