OnPoint Mobile 4+

I’m impressed

Since I was introduced to the app i was continually having questions. Not that the app was hard to navigate because the drop menu and access to all my accounts are easy.
Linking external accounts took a phone call to Onpoint but was also a straight forward process. I spoke to Gina Marlo who helped me understand and complete the connection. She was very helpful and excited to take me step by step. This makes me want to bank with only Onpoint and I look forward to doing so in the many years to come.
The app is so convenient and this helps me day to day be stress free. I’m able to see everything done on my account and maneuver where I want, how I want, when I want to keep my credit score high.
I’m very happy with Onpoint and there employees.

Developer Response ,

Thank you for your detailed review and being an OnPoint member!

Default mobile deposit settings

It would be great if there was an option to change default settings for mobile deposit. The first time I used it was a rarely used category of child support, into my personal account. Now every time I deposit a check via the mobile option, which is often, it is automatically categorized as “child support”. This happens in my business account as well even though I never put “child support” checks in that account. It’s annoying to have to change it every time. At least let me default to “mobile deposit” or “uncategorized”. I’ve discussed this issue with tellers and managers since the inception of mobile deposit. Please change the coding for this. Thank you.

The default on the mobile bill pay app is tricky too because it automatically defaults to my business payroll account and this account is never used to pay bills. I’ve been caught with insufficient funds several times for thinking the the mobile would default to the account I use for that specific bill.

Otherwise, the app is fantastic. I like the security of OnPoint CU very much. The app is easy to use.

The app needs some updates

I switched over from OSU Credit Union to this one and the design of this app is making me regret it. I loved my OnPoint experience so far and have tried to work with this app, but it’s been so frustrating to me that anytime I make a purchase or pay a bill, the transactions I’ve made do not show immediately, nor in the correct order that i made them. Sometimes it will say it’s pending, but it doesn’t subtract that amount from my total. I never trust the available balance it shows because unless I haven’t made a purchase in the last two days, it’s not going to be correct. I also don’t like that I can’t make a transfer from my credit card to my debit card. If I am moving around my money between my own accounts I don’t see why it should take a whole two business days to do that. These are the main things I like to use a banking app for and I can’t enjoy any of them. The OSU app does a much better job at all of this for sure. I have tried to like it for 6 months now expecting there to be updates addressing these issues, but I’ve seen nothing yet. I don’t even care about how it looks I just want it to be helpful.