Patelco Mobile Banking 4+

I am generally leery about using technology to manage my money- hackers have breached companies like Yahoo and and Equifax and left me feeling insecure with the belief that any system can be breached and that my Patelco online banking system could be vulnerable. Having said that, I have not experienced any noteworthy problems using the mobile banking app to deposit all checks. I currently live 45 miles from any PATELCO branch, I prefer not using cooperating SERVICE CENTERS closer to home for banking deposits and use my mobile app to make deposits from home.

Before this new update I was having a problem with mobile deposit. While taking a picture of the back of the check the app would annoyingly keep insisting I flip the check even though I didn’t need to. This would eventually happen enough times that I would be able to use manual capture. Why isn’t manual capture an option from the beginning?

Well I updated the app hoping this glitch would get fixed... well it was just replaced with an even more annoying and inconvenient one. Now when the app captures the photo it immediately logs me out saying I’ve “timed out”. So, now I can’t even use Mobile Deposit. Luckily I don’t hate visiting my local CU, but it really is an inconvenience considering it’s not in my neighborhood and technology could be making CU use so much more convenient and reliable.

Overall I am a fan of Patelco and I’m happy an app even exists. But I do hope that this glitch can be quickly fixed.

So they have Touch ID but have to tap login first? It takes an inordinate amount of time to load. Then you get to a dashboard page just like their desktop which I don’t like either - maybe cause I don’t have multiple accounts (who does?) - just checking, savings and a credit card. I tap on “checking” on the dashboard and I get to a page that show me my checking, savings, and CC - again?! I would’ve expected to go to my checking account? It’s just like the desktop world where you’re trying to reduce clicks/friction. I know this isn’t part of their app but their alerts used to be real time. I buy something and I get a text. Now it comes hours later - sometimes the next day. Mobile check deposit and a logout button that remains constant are the only saving graces of the updated app. We’re tech dependent - make it easy and frictionless.