SDCCU 4+

Very outdated format in my opinion. Some transactions take longer than others to finally appear. Very glitchy app, but if you just need to transfer money then its a good app. I’ve compared between my friends’ bank apps & there is a lot of room for improvement for this app

(25 Oct. 2019) I just updated my account online to use the new Internet Branch technology. As far as I can tell, there's a lot more security, with the addition of sms and email alerts for certain events (transactions, balance thresholds, et c.) added.

BUT BEWARE: If you want to be able to use your iOS 9 device to do your SDCCU banking, you must NOT transition to the new Internet Branch! Why? This app will not function properly under iOS 9. It fails in a number of ways:
a. It doesn't show the security verification menu when the user logs in (options to send a text or to call the phone number associated with the account)
b. It doesn't show the Accounts or Transfers tabs within the app at all. The little "loading" animation just sits there spinning and spinning and spinning and nothing happens.
If you are still using iOS 9, DO NOT TRANSITION TO THE NEW INTERNET BANKING, AND DO NOT DELETE YOUR "OLD" SDCCU BANKING APP. Once you transition your account to the new Internet Banking technology, the old SDCCU mobile banking app WILL NOT WORK.

If, on the other hand, you're using a newer version of iOS, the app is just very very slow to transition between the different views within the app. So, it's a nice start, and it looks good, and it has much more capability than the old app, but it needs a lot of improvement under the hood in order to function at a reasonable speed.

When doing online backing, a browser on a desktop is really the way to go. The SDCCU online portal works very well and is the best way to go. If you need to use your phone and it’s small screen, simple tasks like viewing your balance, recent transactions, or transferring money between account are the meat and potatoes of the tasks you want to accomplish. This app performs those functions just fine.

The problem is check deposits. This is really what you need the phone app for because it is not something you can do on your desktop. When it work, it works. And it works just fine. The problem is, more often than not, it doesn’t work. The best outcome is that the app crashes. This happens quickly and I know to move on to some other task. Sometimes, however, it pauses, or thinks for a while. Sometime the deposit goes through and sometimes it comes back with an error to try again. I try and try because there is the chance it *will* work and I do the happy dance because my check has been deposited. Or doesn’t quite work and I finally give up because I’ve been wasting too much time with the app. And I wait until tomorrow to give it another try.

To end on a positive note, the Touch ID works fine and is an amazing convenience. I hate typing in passwords on the small screen and my banking password is long and complex because of the importance of that account.