Educational Systems FCU 4+

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.

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 will admit I don’t visit the branch as often as I did prior to COVID. Every staff member I encounter is pleasant, helpful and knowledgeable. The education course offered is communicated very well and your encouraged to attend. Although there are times when the results are not in my favor, it is communicated with respect and dignity. I recommend this outstanding financial institution to all who is trying to save, invest and enjoy the same positive experience I have.