2.9 (297)
47.2 MB
Age rating
Current version
Michigan State University Federal Credit Union
Last update
2 months ago
Version OS
13.0 or later
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User Reviews for MSUFCU Mobile

2.86 out of 5
297 Ratings
12 months ago, FiannaHeather
Not Intuitive
It feels like every update makes things confusing and difficult to find. A couple of years ago, they made a big announcement about how they do transfers by asking where you want the money to go TO first, then where it is coming FROM. That sounds okay in a description until you try it and realize that your brain wants to know where stuff is coming from and then where it is going to. It is impossible to get used to. Why do you need a big announcement to tell people that you are going to reverse the order of transactions to something that is counterintuitive? Just leave things the way they work. You can’t find scheduled transfers without looking at the calendar, but they don’t tell you that. You can see transfers in one place, but can’t edit unless you go to another. Seriously, I love my credit union. Their customer service is top notch and I have always loved banking there, but the online stuff feels like it is being run by a team of penguins from Madagascar. Please consider an overhaul!!!
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2 years ago, abc123????!!!!
Mortgage part posting past due
Disappointed that the app is posting my payment as past due. I pulled out mortgage documentation and I have paid matching each payment thus far early. Contacted customer service and they said I was right app is wrong they will contact the developers. I would hope development would move quicker to resolve such issues like this. Now I am showing a past due amount in the total but it’s not listed “yet” as additional owed. They are going to make additional work required if this does process through to remove that from my account. What if this posts to credit bureau? I won’t be happy. The app and the online baking system should be one in the same. I was told online was correct app was wrong why that just not exercising common sense when developing. Both need to match Besides this issue the mortgage app needs to consider building to be more flexible allowing additional principal to be paid in the payment rather than a requiring two payments to be processed. I understand the payment has to be paid in full therefore not allowing the total to be adjusted but adding a row and drop down for additional principal that would than total the two lines together to process should be a simple update. Just a suggestion.
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1 year ago, kyliedye
Good app, just one suggestion
I recently opened a joint account, which came with a separate login (didn’t expect that). Now that I have two logins, the one thing I feel is missing in the app is the ability to easily switch between them. In order for me to log into my joint account, I have to sign out of my personal one and then type in my UN and PW for my joint one (I don’t have to type those for my personal because I have them saved and use Face ID) and then make sure I tell the app not to erase my saved login info before logging in. I’ve seen other apps that allow you to save multiple logins, and then you have a quick and easy “switch to” UI to jump from account to account. I get that banking needs to be super secure, but I don’t feel like the ability to save multiple logins would cause any more of a security issue than being able to save 1. And even the “switch to” UI could utilize Face ID or some other security step - it’s really the entering UN and PW and making sure my other one doesn’t get overwritten that annoys me.
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2 years ago, csfrost1986
Annoying Bug - Mobile Deposit
Overall, the app is usually fine (though a bit cluttered and lacking a few features*), but after a recent update the Mobile Check Deposit feature is basically unusable. The auto picture setting used to always work for me on the first try. This last time, I had to try about 10 different times. I even changed the location/background and lighting each time trying to find a place that would work. Auto wouldn’t even recognize the check was there, so I had to turn it to manual photo mode to take them. Despite following the instructions on that, my deposit was rejected, so then I had to do it again before finally succeeding. A lot of work for a process that in the past took less than 1 minute. *Missing Feature: I wish there was the ability to have multiple accounts registered to the app/device and be able to switch between them. I think many people have both personal and joint accounts (or personal and business) and it would be nice to not have to log out and override the login each time you want to switch between accounts.
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3 months ago, callistabr
Stop pushing “offers” through notifications
I have had to turn notifications off since I keep getting notifications that are just “offers” (ie ads). I have asked MSUFCU not to send me those, which it honors for other channels, and I have the “push notification offers” in the app settings turned off, yet still I get junk notifications, which is effectively SPAM. Yuck. I did not want to turn off notifications because what if I need to be notified of fraud or something important? This intrusive and annoying behavior is unacceptable. Fix it please. Other than that it works fine. I love mobile deposit. I could do without the big star with offers and the offers ads throughout the main screen as well. It feels really icky honestly, like it’s an ad-supported app, and I can’t turn it off.
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1 year ago, Wirtie12
It’s great! …When it works.
Sometimes, the app is wonderful! It’s easy to navigate and use, and also easy to get help from an employee with direct messages - no anxiety-ridden phone calls required! But that’s only when it works. Sometimes it’s great, as stated above. But most times, you’ll hit to log in and it just… loads indefinitely, and never actually opens to your account, which renders it entirely unusable. I thought it was my phone being outdated and that the app no longer worked on my current iOS at the time, or that it no longer worked on my phone model. But I updated my iOS, upgraded to a new phone model, updated my phone and the app itself again when it suddenly started doing the indefinite load thing once more (it worked for maybe a month without issue before it started happening again), and now I’m just frustrated. I love the app, and want to leave a better review. But it only works one time out of ten - or less - and that’s unfortunately not exactly worth higher praise.
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6 years ago, romanekj
I love my credit union; the app, not so much
I have been banking with MSUFCU since 1986, and I love it! They have always kept up with technology and met my needs. I remember using the automated phone service to do my banking, then Computer Line. I was very excited to see that a mobile app version became available. However, I was disappointed to see that the options available in the app are so limited. I can do my simple transactions like transfer from one account to another, but I really wish I could make notations or comments via mobile too (instead of waiting to do it via Computer Line). As for eDeposit, I'm glad to see that it wasn't just me. I thought I was doing it all wrong. I took a picture of my check so many times and it never worked! Little did I know that the eDeposit is buggy at times. I do hope some work is put into the app to make it more consumer-friendly. I would love to be a field-tester/volunteer. I have some experience with eservices and am pretty good with providing constructive feedback.
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4 years ago, amygranroth
Used to be great
This app used to be very intuitive. Over the past year or so it has become less and less user-friendly. There are signs that it is no longer programmed with the user in mind and more for the ease of the programmers. First, it was changing the transfers to pick where the money is going before picking where to take it from, this change was not made with the user in mind at all. Now there are some glitchy things happening and it makes me feel like the app isn’t being cared for, which makes me feel less cared for as the customer. Many customers exclusively use the app for their banking, it would be a great idea to see that more care was taken to make it as user focused and friendly as possible.
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1 month ago, Susan.64
App updates mess up functionality test drive before setting updates please on all functions
After last update my pending date now listed in completed transaction? You have this mobile app and another MSUFCU app in Apple that looks updated version I tried downloading tried sign in with my credentials. It wouldn’t let me sign in open it? Why are there two MSUFCU apps in Apple Store? Please fix clunky app transaction for my direct deposit should be listed it’s three days away should list saying pending today? Lastly transactions dragging don’t show when done? Notifications also don’t come through when done? Fix bugs please
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3 years ago, houseowner1
App did work great but....
The app is working great for the most part. There must have been an update not long ago. Now the quick balance isn’t correct. I have to log into my actual account to get the correct balance. The refresh doesn’t work either. It was nice to be able to get a quick view of my account balance without having to do the two step login which takes more time. Hope it gets fixed.
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1 year ago, Blazen Volt
Subpar sign-in process
The app doesn’t seem to have the needs of the user in mind with its sign-in design, specifically for people who are new. 1. The pop-up message when you fail to log in is too vague. Just saying “Sign-in Error” doesn’t help people figure out what they’re doing wrong. Furthermore, it implies that the mistake is due to a server issue on the app’s side, rather than anything we did. 2. There needs to be more warning and explanation on what happens if you fail log-in too many times. There’s no indication that your account will be frozen, there’s nothing saying what that actually means, and there’s no telling if this is temporary or not/how long it lasts. Frankly, it’s baffling.
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1 year ago, Fix this Please 2022
Suddenly unusable abroad
I work abroad in Japan and have been using the MSUFCU app for years. It started several months ago when I couldn’t access the app through any wifi except for my home base wifi or cellular data. Now, for the last two weeks, it will simply stay with on the sign in screen with a loading symbol. I cannot access my account through the app at all at this point in time and have to go through the extra steps to access it online through my web browser which takes much more time, especially if the website decides that the device I have always used and marked to allow access is a new device and have to go through verification again. I’m very disappointed.
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9 months ago, Pooky Warner
Fully online banking
Very happy with the functionality of this app, I do all of my banking remotely. (Good customer service call line helps a lot too!) eDeposit for checks is very helpful. I see another review talking about the unintuitive order of how you do transactions now: choose where the money is going TO before you choose where it’s coming FROM. I agree that this is unintuitive and challenging to adapt to. I would prefer the other way. That being said, I’ve gotten used to this way.
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3 years ago, reckinatorthepeach
i love the app and more importantly, i love msufcu
the app is great. i love the features. i love that you can send money between members with just a phone number. my fiancé and i can easily send eachother money when bills or due or just because. i am so happy with msufcu’s costumer service. their app is more advanced than any other bank i’ve been with. i love their card options, overall i am so so happy i finally switched to them. having a good banking service makes a world of difference. thank you MSUFCU!
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5 years ago, Darrrvis
I love this app, and I love this credit union. The app is extremely easy to use, intuitive and exceptionally fast. Despite the other reviews saying that e-deposit doesn’t work, I have never once experienced a problem with it. Moving money around and viewing transactions is very easy and wrapped in an aesthetically pleasing UI. I have stayed with MSUFCU even after my graduation because of how they operate and how easy they are to work with. The mobile app makes it even better. 💹 Go Green 💹
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3 years ago, scofiel9
They have to fix their camera function
There camera has never worked well. Sometimes it focuses and sometimes it just won’t. Sometimes it you submit a picture and click use photo, but doesn’t process and kicks you to the same screen. It has. Otho g to do with blurriness. Although that is a huge problem with this app. Sometime you take a clear picture, then it is blurry. Or you take a blurry picture and it comes out clear. This doesn’t happen with my other bank so it is not my camera. Please fix this.
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8 months ago, Clapzilla
Good, not great
This app sometimes gets stuck in a log in loop after Face ID. It will scan my face successfully, load the main account screen then load the log in page again and immediately repeat the process over and over again. Killing the app and reloading tends to fix this. Changes to the transfer pages aren’t intuitive either. Seems muddled
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10 months ago, MelyseJ
This app is garbage
The login screen might appear once/week. Every other time it tells me log in unavailable. How are customers supposed to monitor accounts, pay bills, and do their banking if we can never get online? Especially since there are very few, if any branches nearby. It’s been going on for months- I’ve called, written reviews- it can’t be that hard. Other banking apps work just fine. Maybe it’s time to find a credit union that actually offers access for customers. So frustrating.
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4 months ago, JG-new10
The content of the app is fine but it is the most unreliable app I have ever used. I would guess 50% of the time I want to log in, mobile login is unavailable. And then today (among many days), I get the fun error where it logs in and then immediately shuts down. If it wasn’t such a pain to move my accounts I would. Once my loan is paid off, I will find a new bank. If the mobile app is this unreliable how secure and stable are the rest of their systems. Invest more in IT. They create they face of your company.
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5 years ago, MadBobo
Inbox Bug and missing features
When you open the “inbox” on the app, it never opens and logs you out and attempts to log you back into the app. Greatly appreciate the ability to rearrange your accounts, and the e-Deposit feature is great! The budget and comment features of transactions are nonexistent in the app. Wish the ads for services or pre-approvals on the homepage could be dismissed so you can just see the accounts.
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9 months ago, Music_Teach05
Mobile Deposit Bug
App is functional and easy to navigate, but there is a bug when taking pictures for e-Deposit. When it tries to open the camera I am booted to the sign-in page and no keyboard availability. After a few restarts it eventually works, but very frustrating.
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5 years ago, Tobyb303
Better, still wonky with iPad camera but working
Pleased that user feedback is actually read so big gold for that. Everything in that app does what I need. The app still gets weird with iPad cameras on deposits but probably just leave alone at this point, at least I can deposit a check in under a minute, I can live with that.
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5 years ago, cool5breeze
Innovative and Compassionate
MSUFCU is a truly exceptional institution. They have kept pace with innovative technology yet have maintained their dedication to their membership. Instead of becoming a cold, clinical type of financial institution, they have always demonstrated a compassionate understanding of the many and varied events that affect their members. From near death and serious illness to recession woes, MSUFCU has stood by us.
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4 weeks ago, Yuuuuup739:8
Why are you blocking access outside of US and VPNs?
Team - I’ve been with MSUFCU for almost 20 years. I’ve lived abroad for the last 6. I need to access both the site and app, but you recently just started blocking geolocations (it seems). What are your customers supposed to do? There is no way around this via VPN so far as I’ve tried. Please can someone let me know how to troubleshoot this and/or fix the geoblocking you have on IPs. For something as critical as banking, this should not be happening.
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2 years ago, It’s gotta be D
Hasn’t worked in a very long time.
This app used to work great for me. I never had any problems. I have the most up to date version of the app on the most up to date version of iOS. It’s been a long time since I’ve been able to log in. Recently I’ve been getting checks from work and haven’t been able to deposit them since I’m out of state. I tried calling them for assistance and couldn’t get any help. I just want it to work again!
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3 months ago, Anonymous Reviewz
Too many bugs
The app is buggy, and crashes all the time. Often when I need to transfer money from one account to another, their login becomes “unavailable” and I am unable to access my account. It is incredibly inconvenient. When the app does run smoothly, it is a decent app, and is helpful, but it honestly does not work well for me more than 90% of the time.
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11 months ago, Knithapi
This app works well, when it works. However, it often just loads indefinitely when attempting to sign in. I’m forced to use the web browser to access account information which is difficult to read from a mobile device. I’ve given up on this app. Updates and reinstalling have not addressed the problem.
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2 years ago, JEAA
Was working, but now it’s not
In the last week or so I can’t sign in to my account. I’m not sure what’s happening, but i have to sign in via google or safari and the website keeps suggesting I use the mobile app. So, I’m not sure what’s happening, but it means that I lack access to my accounts with the frequency I used to. Which is aggravating since I am all the way in the UP, with no branch in sight.
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5 years ago, Mart2009
Convenient but needs improvements
While it is handy to quickly provide a snapshot of your transactions and account, you are limited to what you can do with the ap. The fingerprint login never works and e-deposits often fail half way through.
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12 months ago, mstock1857
Can’t Use Login
I used to love this app. I still rely on it heavily. However, over the past two months, it rarely lets me login. I always get an error message saying the login is not available, with a retry button. If I hit the retry button enough, sometimes it’ll let me in. Most of the time I cannot access my accounts. I tried uninstalling and re-downloading, but it still won’t work. Please fix this!!!
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1 year ago, Srellez
Latest update doesn’t work
After the latest update, the app won’t work. Upon opening, it immediately shows a screen that says ‘login not available’ with a ‘retry’ button that doesn’t actually take me back to the login screen. ‘Report a problem’ through the AppStore doesn’t even work as I haven’t made a purchase through the app, so I can’t submit a problem. Very frustrated.
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2 years ago, Romaine14
At this point I’m over this bank!Ever since I have them something is always going on. Something is always wrong with the app , there is always a inconvenience, delay getting your own money sometimes, and technical difficulties. It’s never a delay when transactions are depositing from the account have that same energy for that.
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1 year ago, pngue
Dismal app
Look over the large number of negative reviews. This is a poorly executed app. It’s literally a gamble whether you can log in let alone make a payment. The lackluster developer comments do not inspire any confidence things will get better. Many of the people who (try) to use this app are a captured audience trying to make payments on a large loan (home furnace for us) and can’t jump ship to a better bank, better app
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1 year ago, Yrsc
Can’t login with app
I’ve had this app for years now and I don’t know what happened recently but in the last week or so the app has not worked at all for me. When I go to login it just buffers forever and nothing. I’m having to just use the mobile site on my phone instead. I see there was a recent update but whatever went wrong is still not fixed. Needs urgent attention
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3 years ago, 24562338733
Favorite banking app
This app blows every other banking app out of the water. It’s simple, well organized, loaded with features, and fast. The app is the only reason I have kept my account with MSUFCU after moving away from East Lansing.
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1 year ago, nmconner
Used to work
I have used this app for years, but now it crashes every time I try to log in. Because of this, I can no longer conveniently e-deposit checks and now have to go into the bank to make deposits. I have tried uninstalling and reinstalling, but nothing works. I am reading that many others have been having this same issue. Is there a fix?
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2 months ago, Angkeyes
App won’t open
I love this app when it opens but lately it seems like every time I try to use the app it tells me it’s not available at this time. It seems like this occurs daily. So then I have to log in through a web browser or wait until later when it finally seems to work again.
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5 years ago, Restore desktop version
Mobile App
This new mobile app is not user friendly when I am traveling. The full desktop version on the smart phone was the best and served me well for many years. Navigation in the new mobile app is clumsy. It does not give a predicted delivery date. It does not show last payment to a payee in the same screen as the new payment being entered. It is much slow finger work going back and forth between screens.
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1 year ago, Ryieahna
What is happening even?
I used to be fairly pleased with the convenience of the app, now it’s a gamble of if I’ll even be able to login. Despite using the same information that I do on computer line I receive login errors more often than not. I haven’t been able to reliably use the app in months.
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5 years ago, bwiese07
Update for e-deposit NOT an upgrade
Was very excited about the update and automatic capture for e-deposit. However, it only works about 1/4 of the time. Old version where you did it manually never had issues and was at least a reliable way to deposit. If it can’t be fixed I’ll have to find a new credit union closer to my home.
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3 years ago, AnnaK1979
App Is Crap
I’ve had this banking app for years and god forbid it gets a bug- I’ve been trying to change my password to log in to my account thru the app for 2 full weeks now and not only is the app full of bugs, so is the desktop site. Completely useless to me at this time and I’m really sick of this app being such a hassle 🤬🤬
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3 weeks ago, dmw300
I Can’t Open the App
I have been unable to open this app for several weeks. I love the app but am at a loss as to what is going on. There is no update, I have uninstalled and reinstalled several times with no change.
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2 years ago, luvhev
App unavailable
It doesn't make sense that a banking app should be unavailable for days. I have been unable to even log into my app for over a week now. That is unacceptable. I continue to get the same error message to try again later but every day I see that this message remains. Really disappointing. I can't wait until I change banks.
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1 week ago, User617
App doesn’t work
It has been a couple of weeks and the app won’t even load the login page and just says “Our login is currently unavailable. Please try again later.” I figured with an update it might be fixed, but nothing has happened and I can’t get in to my accounts through the app.
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4 months ago, Haileyjo525
Keeps crashing
The app itself is fine when it works. I downloaded it to be able to easily pay my loan but it always crashes so I can’t even do it. I still have to go to the website. If it would stop crashing I would give it 5 stars.
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2 years ago, LamainMusic
Can’t mobile deposit…
Just downloaded iOS 15.0.1. I cannot deposit a check. I can take a picture of the check, and then it freezes and does not accept the check picture. Help!
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3 weeks ago, HornOfBevo
It’s a good App when it’s actually working. Seems like it goes down all too often. I feel like at least twice a week, I am unable to log in. Very frustrating. Much room for improvement.
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6 years ago, Stavros H
App issues
This app is terrible. Actually, the credit union is terrible. I can’t access anything in the app because it tells me there is a newer version. But a newer version does not exist in the App Store. As far as the credit union, I can’t use money saving apps like digit or acorns because it won’t allow those apps to access my account. Regretting my decision to switch to this bank.
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2 years ago, Rockwood B
Transfers work about 40% of the time
My favorite feature of this app is when you make a payment or money transfer and it tells you it was successful and then you check a few minutes, hours, or days later to find out it never actually went through…
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2 years ago, Tommy.Randazzo
cannot log in
I have to delete and re-download the app to log in every time i access it because i get an error when the app tries to trigger Face ID. The app is unusable on my phone and options are limited on the mobile version of the site. The app and website are my main motivation for leaving MSUFCU.
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