Keys FCU Mobile Banking 4+

This must be the most sincere, personable, efficient, knowledgeable group of employees I have ever encountered in a bank. What a great team! They follow through with any need you have. And, they are always happy to greet anyone that walks in the door. Love them…

I very much like the updated app and additional functions. WHEN the app feels like opening, there are several new and useful options from which to choose. I do wish that I could use mobil deposits for checks less than $10. I get a fair number of rebate checks for less than $10 and cannot do mobile deposit even when I batch them together for totals OVER $10. As I live 300 miles from Key West, and over 250 miles from Marathon Key (closest branch location), I end up tossing any checks I get for less than $10, essentially losing nearly $100/year.

Also, a good 75% of the time I find myself staring at the beautiful sea turtle while waiting and waiting for the app to open. Heck, I’ve even tried to high-5 him to encourage opening the app - to no avail. Most times I find I must delete the app and reinstall. Even then, multiple times when I attempt to log in, I get a “bad request “ pop up. This even when I am a million percent positive that I’ve correctly entered my credentials. It’s frustrating as h3ll.

Is it an app? Yes. Is it amazing? Not really. The Face ID feature not only never works, but actually locks me out of my account on the regular. Also, this credit union isn’t affiliated with zelle or anything, so it’s not easy to do transfers with other banks. Even the verification for adding external transfer accounts takes days. Aesthetically, it looks like it was created in the early 2000s. But ultimately, I do like checking my balance, and even though it takes 3-5 business days to transfer to another bank, it does allow me to do that in the first place, which is nice.