MACU Mobile Banking 4+

I am a full-time Security Engineer for MACU and have been conducting penetration testing on this app since December 2019 (long before it was made public yesterday). MACU contracted with a reputable vendor (different from our previous mobile app vendor) to create this app. Not only has MACU allowed myself and another coworker to perform thorough penetration testing for so many months, but we also hired a third party top-notch security expert to perform his own security analysis and review. With confidence I can say that I’m much more pleased with this app than our old one. I won’t pretend that there aren’t minor issues that don’t need attention. There is work actively being done to fix those small inconveniences. I’d just like to say that I’m much happier with this app and the security mindset and related features that it brings to the table. I’d highly recommend it to anyone else out there!

I wish I could give this a higher review but I use it very consistently for my business account and the app is filled with bugs!!!

When I am trying to deposit mobile checks it only works about 8 out of 10 times. It will all of a sudden just stop working and give an error that says “try again”. It’s been happening for over a year like this. I deposited about 30 checks a week for my job so this gets very annoying 😩.

My other major complaint is that in the former app I could link my business and my personal accounts together and deposit checks into my business account when signed into my personal account. With this new app they do not allow you to deposit checks into your business account even when they are linked together so you have to keep signing out and signing back in. Which is very time consuming and annoying. I understand the safety feature of not allowing someone to withdraw money but allowing them to deposit should be a given if the accounts are linked. I wish they would fix this.

The new app is so much more convenient for my needs. It takes some getting use to in order to learn the changes, and after awhile I don’t want to go back to the old app. The old app was super easy to use but lacked a lot of what this new version offers. I can check my estatements on the app, set up bill pay easier, rename my account names and a lot more that I love. Being able to also check my credit score and lock and unlock my credit from app and the website is just so awesome. Snapshot is so convenient to see the accounts I want to at a quick glance. Ahh so many awesome changes! For anyone reading this. It takes some getting use to so just play around with it and I hope you’ll love it as much as I do.