UMCU Mobile Banking 4+

University of Michigan Credit Union

Designed for iPad

    • 2.5 • 135 Ratings
    • Free

Screenshots

Description

Enhance your mobile banking experience with UMCU’s Mobile App. With 24/7 self-service options, you can manage your accounts, deposit checks, initiate wire transfers, open new share savings accounts, and so much more.

Features:
Single Login Access to All Accounts
Open New Share Savings Accounts
Multi-factor Authentication
Push Notifications
SMS Alerts
Secure Messaging with a UMCU Representative
Locate ATMs and Branches
View Rates
Add External Account

Insured by NCUA
Bill Pay Payment Service Agreement:
https://www.umcu.org/umcu/media/Documents/Bill-Pay-Payment-Service-Agreement.pdf

Electronic Fund Transfer Agreement:
https://www.umcu.org/umcu/media/Documents/Electronic-Fund-Transfer-Agreement-Disclosure.pdf

Online Banking Services Agreement:
https://www.umcu.org/umcu/media/Documents/Online-Banking-Services-Agreement.pdf

What’s New

Version 4.39.166

Single Login Access to All Accounts
Open New Share Savings Accounts
Multi-factor Authentication
Push Notifications
SMS Alerts
Secure Messaging with a UMCU Representative
Locate ATMs and Branches
View Rates
Add External Account

Ratings and Reviews

2.5 out of 5
135 Ratings

135 Ratings

Sarailise ,

Was better before the update.

The app had some issue before the recent update but it was much better than it is now. You have to go through so many more steps than you did before. You spend more time in the app clicking than doing what you intended. You can no longer view what is due or when it is due on the app without going through another section in details.
It’s really made everything so much more complicated than it needs to be. Transferring between accounts, paying on credit or loan accounts, navigating the app overall has all become harder or contains more steps than necessary.
I wish they would bring back some of the older features the way they were.

mariahbbc ,

Yikes, I hope this gets better!

UMCU is such a good credit union. Why don’t they have good tech like a place like BECU? I know there have got to be other credit unions that have good apps, but this app - which was at least decent before - is now way worse after they updated their underlying online banking system. As someone else says above, something about the authentication process is not working correctly now, so forget about using Mint or any other budgeting software you may have been relying on.

What a bummer. I’ve been with UMCU for almost 2 decades, but I can’t imagine keeping them as my main bank in the long run if they can’t get this thing running better soon.

AmeliaNotBedelia ,

small irritants in an otherwise useful app

A couple of suggestions from a user (who is also an iOS developer).

1. Please add some logic so that tapping backspace on the secure text password textfield doesn’t clear the entire field. I can generally tell when I’ve fat-fingered the wrong key instantly after I’ve done it, and it’s a small but persistent irritant every time it happens, because I have to re-enter my entire password.

2. Hide the Quick Balance button on the login screen if it doesn’t work with OTP functionality, please. I tried enabling it in settings, accepted when the alert said the app would need to store my encrypted password on my phone, and then when I went to test if the button actually worked, I got an error saying that OTP is required. Tapping the Quick Balance button a second time told me I’d need to go into settings and enable Quick Balance in settings. 🤦🏻‍♀️

3. Hopefully OTP will soon offer an option for texting as well as email.

Otherwise the app does what I need it to while I’m away from a computer.

App Privacy

The developer, University of Michigan Credit Union, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Financial Info
  • Location
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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