I have been a member of UKFCU since 1995, they have been helping me tremendously from building my credit to do banking. They are helpful to me as a member. They stay beside me when I need them and I am very grateful to their excellent service of banking and their loyalty to their members. I have several accounts in different banks but UKFCU is always my number one bank and my primary bank.

I've had this bank and app for years. They added the mobile deposit option a while back. I've never used it because I live so close to the branch. But today I desperately needed to use the Mobile Deposit. I even counted on, remembering "oh yeah I can deposit the check through my phone". Because my girlfriend has Chase and she used the feature of mobile deposit on hers, so I thought I'd do the same. Nope. Never expect this bank to have anything that works properly. It just says "your account is not eligible for this service". Why? No reason provided? I can't find anything anywhere that says why. So now I'm a bit screwed cause of this backwards bank. I can't tell you how many times I've not even been able to use my debit card on a Saturday at 2pm or a Wednesday at 6:30pm, not crazy times!! Because they have some problem with their systems and everything is down. Keeping my money from me. They don't understand that things like that CANNOT HAPPEN EVER. This is just another straw on the camel.

Edit: after noticing a small credit card balance increase without any charges posted or pending, I called customer service. They told me interest charges are no longer posted because they aren’t “transactions” and to find them I have to access a different page. This is yet another bad update to a terrible app.Customer service employees were great, and very helpful. I hope UKFCU brings back a good online banking experience soon. :(—The app keeps getting worse since the fall 2020 update. It’s slow and buggy, there are often notices about things that don’t work (like balance accuracy?!), user friendliness is terrible, and it forces browser use for certain things we used to be able to do on the app, like making a credit card payment. It’s so slow I often can’t scroll on a page, which makes accessibility useless.

The new 2020 app is just like accessing the Credit Union from the web. The app no longer has the useful feature of seeing balances at a glance. Sad that is missing. Honestly, I don’t see the point in even having an app if it’s identical to using the webpage.Finally, the alert system is sorely lacking. Lots of options which is nice but the ONE feature they dropped is one I used all the time. I used to get an alert every time money was deposited or withdrawn from my checking account WITH the amount of the money and where it came from or was going. Now, all you get with an alert is that something happened. That is of very little use. It requires you to go to the site to find out all the details. Hardly of any value at all, so I cancelled the alert.Sometimes change isn’t for the better. I hope my comments help improve the app and site rather than being received as just a complaint.