UFirst Credit Union

Original review: I like the layout of this new app, but it took away a feature that I used more than any other (aside from transferring funds). It lost its ability to search transactions within my accounts. It feels like a downgrade for my needs. I hope they update this feature. The new layout/features aren't worth the upgrade when you take away a basic, helpful tool. Very frustrating!! Update: It's been a year or so & even with other upgrades, there is still no search function for me to look up a specific charge, amount, or vendor. Still frustrated. 2nd update (4-2-18): its been probably another year since my last update & I STILL CAN’T DO A BASIC SEARCH THROUGH MY TRANSACTIONS on the new app. PLEEEEEASE fix this!!!!! It’s a pretty basic function. Still frustrated! Summer 2018: I can now search my transactions...easily. THANK YOU for correcting this. This app now has everything I need & then some. 5 stars!!

I like having an app that I can access my account information. I wouldn’t really encourage though that the banks somehow make sure that the balance is showing on the app are the correct balances numerous times I’ve gone to use my card in a bind to find out, I’m being declined, even though my balance shows available credit every week this happens. I know university credit union had an option where you could see your balances without having to log all the way in. It can be viewed just by clicking on the app as well as choosing which balances you wanted to view. I would really like that option back again it is annoying when I’m driving and I have to wait to stop in order to login and view my account balances, or if I’m in a hurry, I end up putting in the wrong password or are you login which sends a fraud alert to my phone. And then the balances that I do see most the time are incorrect. It’s actually getting to the point where it just tracks charges for me but I have to wait 3 to 4 business days for it to actually show the correct balance which makes the app kinda useless.

Frustrating user interface, navigation is not intuitive. Bill pay feature is (??) still on the old interface? Their old app was much more user friendly, workflow was intuitive. Their new app feels like it was built by a start up company with no “banking” UX experience. The design is “cute”, but functionality and workflow feels like it was programmed by folks that either have minimal real life banking experience, or don’t bank in the US. I also cannot stand how difficult it is to cancel a lost or stolen card. This feature is critical. The new app makes you go to a completely different app to manage your cards. I lost my card (after business hours of course), had to call their customer support and was on the phone >1hr either on hold or redialing their number because we lost connection twice. I’ve used UofU CU for decades and this new app is the reason I’m leaving. I gave 2 stars because the landing page is nice, Zelle works great, and their in-person branch tellers are wonderful people who deserve accolades.

I’ll start by saying I love this credit Union. Everything has always been wonderful and I’ve never had any issues before. That being said, the new update is awful! It doesn’t load and I’ve had about a million and one issues with transfers. You can’t refresh when in the app and it doesn’t update available balance for pending transactions either and I’ve noticed my account balance has been wrong a lot whenever I check. Not sure if it’s correlated or not but I’ve also had an increased amount of online payment declines for small purchases (when there’s clearly enough in my account) and have to manually approve purchases through the card management app. It’s quite frustrating. I’m also not a fan of the layout, it’s a lot more chaotic than the previous version. In addition to everything else, the features don’t work majority of the time and the app crashes frequently. All in all, the update seems like a major downgrade from the previous version and has caused more inconveniences than should ever be necessary.

I wish I could give this app a better rating, but I can’t bring myself to do it. The old app definitely needed a facelift, and this app has a more modern look to it, but it is incredibly clunky. There are so many times where I’ve had to completely close the app right after signing in because it simply won’t load. It just gives a blank white screen. When the home page does load, there have been a plethora of moments where, I click on an account, or I try to make a transfer, and the app goes blank, crashes, or generally doesn’t respond. This “improved” app has been around for a while now, and the updates help (a little) but it is not remotely reliable. In fact, it’s been an amazing incentive to do my banking in person. Tangentially related is the website. It has, basically, the same problems. Blank screens after login requiring multiple page refreshes for it to finally display, etc. I would love to see this app be great, but it’s currently anything but.

Mobile deposit wont work about 50% of the time. Transfer menu is confusing. No way to name sub accounts or external accounts. Separate card manager app is obnoxious and confusing as well. Also, it’s crazy that all of the debit cards from Ufirst now look identical. I have 3 separate checking accounts, and all of the cards look exactly the same, with no option to customize card images. I’ve literally had to write with sharpie on each card to let myself know which card belongs to which account. These are nitpicky problems I know, but I’ve talked to many other people who feel the same. From what I’ve seen most other credit unions don’t have these issues. Ive been with University for a decade, and I want to stay, but I really miss the old University Credit Union app, and the old online banking system, and the old cards.

When scrolling down through transactions it covers the top half of the screen with a red banner that shows your balance. This banner ought to scroll off when you scroll down so the whole screen is full of transactions. There is no point in taking up half my screen permanently with info that I only want to see once. And it’s super obnoxious that when I go to deposit a check it pops up a dialogue with a contract that I agree to write the words of their choice on the check before depositing it. This manipulation is offensive. They should instead pop up a note later saying that the deposit was successful so please mark it as deposited to avoid confusion. What if I mark it as deposited but in fact it fails? Then they’ve forced me to improperly track my deposits and they’ve messed me up. This has happened twice. This is really an unprofessional operation.

I’ve been suffering through this new app since its release, from back buttons that log you out instead of taking you back to your account summary page to needing to pay off an overdraft balance 2x because the first payment doesn’t pay interest. But now it’s reached a new all time low (if that was even possible), and I can’t pay off my credit card on the app. I now need to log in to the website to make the payment because the line of credit accounts no longer show up in the list when making a transfer. The developers comment that they appreciate the feedback, but have done nothing to change since the new app was released, I’m fed up. After almost 10 years of being a happy credit union member, I’ve officially started to look for a new place to do my banking. TL;DR I’m looking for a new bank/CU because this app is so hard to use

After all the time I spent making categories for my business account I cannot get detailed information for each category in order to do my taxes. Also, when I put in an expense, sometimes it won’t save the name I give it and reverts back to the wrong name or category. I had high hopes that looking at my expenses in preparation for taxes that I’d be able to easily see the categories I created and do easy filters, but no actually I wasted a ton of time and effort keeping track of everything in my university of Utah credit union bank account, I need to find a better system or app. it shouldn’t be that hard to get a total of deposits, and a total of expenses for each individual category especially when you search for that specific category in your account that you created.

I do not like how it’s changed. I do not like how the debits and credit show up in my checking, etc, accounts they used to show up clearly. NOW they don’t show up so great, I like more of a distinct printing, or look between them, Yes I understand how it works And yes, I understand which ones are the debits and which ones are the credits… but I liked the other way before you changed it better ! I just don’t care for any of the changes really that you’ve made in the app. I feel like somebody has bought out or taken over university Credit Union because of all the big changes. I’m not happy with that either. You asked, I told you.

No FICO score. Just some Experian garbage. I want my FICO that affects bank loans not a garbage scores related to credit cards. They are different FICOs! Clicking services crashes the app. Worst part is no loan payoff amount listed or included in payoff. You make two payments because the leftover interest. A feature that was finally added and fixed was removed. Stealing extra money maybe? You also no longer have anything saying what your loan payment amount is or option to just select the monthly payment amount to pay it. Last annoying change is they have you go into a loan to transfer money to it not from it and removed the quick transfer feature to select accounts from the home page of the app. FIRE YOUR DEVELOPERS! I’ve been saying it for years!

I’m not sure who decided it was time to change the website and mobile app but whoever is responsible to the new UX did not UsFIRST. A simple card sort and revised information architecture with a guide tour on log in would’ve been fine. But many of the affordances created through the new system have been lost. Example: color coded transactions in the account view (green for deposit was great - now there is no differentiator). Similarly the roll out was atrocious. There was no warning whatsoever on the day the website transferred over. So, when I went to login I was suspiciously asked to change my password after being guided from an error page… Then had to call in because I refused to do so which locked my account. Again, two for two on TERRIBLE UX and CX. Lastly, when the new system went live I also lost the links I made to external accounts and can no longer access my credit card rewards. This was all preventable. The CX team (if there even is one) needs to regroup and get some feedback that is better representative of the user population because this new UX has failed each task and use case I’ve presented to it.

I love this Credit Union, I will say first. I have a couple of car loans with them and I used to be able to just bring up my account balances and see the remaining amount due for the month on those and the credit card I have here. Now I have to dig for them. I know it’s minor, but it was one thing I really appreciated on this app versus other apps I use since I usually pay on them weekly and need to keep track of where I am.

I’ve been a UFirst member for about 6 years. The new update (as of November 2022) has rendered the app unusable, whereas before it was really easy to use and highly preferred to the mobile/desktop site. The new “quick transfer” feature doesn’t work (in fact I can’t transfer at all from the app and have to do it from the mobile site, which now just looks like a copy of the app). You can’t select any of your accounts from the drop down menus. The features that actually made it “quick” transfer like the “payoff balance” option are gone for some reason? The app crashes every time I open it. Please fix the bugs that make the app unusable and bring back the features that made it actually easy and fast.

The previous version was much more straightforward and accessible. The new update looks and functions like a website trying and failing to match to a mobile search engine app. It’s cluttered, slow, and difficult to find things that were previously easily available. If the app developers wanted to add the goal and financial tracking functions, it would have been better to provide a separate tab on the original app that worked like the current version, but left the main screen basically the same as it was before. Previously great to use, really irritated by the slow loading and format of the new update.

I have been with University C/U (UFirst) for over 30 years, I love my C/U, every time I need a loan the are they there saying yes we can do that, and they beat all the other financial institutions rate, when they detect a fraudulent transaction they immediately notify me, if any of my cards are lost or stolen, they turn them off, then issue a new card the same day, did I mention I love my Credit Union..

Ever since this app was updated in November, it has started randomly crashing when I am first trying to open the app. Also, they got rid of one of my favorite features, which was the ability to add notes to my transactions. This was so helpful for me to be able to track what I was actually spending my money on. The only new feature to come out if the update is the ability to schedule recurring transfers on a monthly, bi-weekly, or really whatever basis I choose. That is very nice. Please don’t get rid of that. But BRING BACK THE NOTES!!! And FIX THE CRASHING!!!

Hopeful for some improvements to the functionality over time. Generally, the app does what it needs to do for basic functions. However I have encountered frequent times when functions were not available and error messages would come up, or app crashing while trying to take photos of checks. Appreciate the design and the potential. I do rely on it every day and whish I could count on it always working for me.

The credit union used to be referred to as University First. When the application reflected the same name, everything worked quickly, smoothly and easily. The moment they changed their logo and branding to this UFirst business, everything bogged down. The application is slow to respond. Sometimes it hangs up completely. Logging in is slower, sometimes it won’t work at all. There were rarely issues before the rebrand. Not sure how or why they made the changes that they did but it was not for the better.

I liked the new app until I realized how hard it is again to pay off overdrafts. The old app let you pay off the full balance. It was easy to find and easy to do. I would think there’s be something in the overdraft account that would let you do this but now it’s another 6 step process. And why aren’t there back buttons? Have to go back through the whole menu to go back? Come on. Who designed this?

Stupid I can’t directly deposit a business check into my business acct. without having to deposit it 1st into my personal then transfer it to my business acct using your app. I can’t pick where to deposit a check in my personal either checking or savings but not directly to my business account. What’s up with that? Fix it. Months later and here we are in the same place. Still can’t mobile deposit checks into my business acct. Calling the main number to the CU isn’t going to fix your ap maybe I’ll take my $ somewhere else if this doesn’t get fixed

It’s definitely a pretty good app. But they should definitely take some things from the Capitol One and Wells Fargo apps. Those are incredible. UFirst is definitely better than Wells Fargo but their app could using some catching up. Like getting pay offs and finding account numbers are just so much easier on the other apps. But I still really like this app especially after they updated it.

Whoever designed the new update did a terrible job at making a mobile friendly app. It functions like a website making it confusing and slow to use. The color coded deposit and transaction features were an easy way to balance checkbooks and see money being added or taken away. Similarly, now that pending balances are no longer, I never truly know how much I have in my account. The old app was much easier to navigate and was a lot more mobile friendly, go back to the drawing board and do some user tests because this is awful!

I’ve been a member with UFIRST credit union for almost two years and I am delighted with the service I’ve gotten with the app. It’s easy to use, easy to make payments, and they also process payments extremely fast in comparison to other apps that take days or even weeks to process payments.

My car was broken into this Sunday where all my cards were stolen. I went into the app to cancel my cards where I had to download a completely new app JUST for the cards… AND I HAD TO ENTER MY CARD NUMBERS TO CREATE AN ACCOUNT. how do you expect me to know all my card #’s??!!! so than I called to cancel and of course the locations were closed on sundays. I than stayed on the line for the customer service where I was on the phone with a service agent for 30+ minutes of him repeating the same question. And in the end he said he couldn’t cancel without the card numbers. Absolutely Ridiculous.

This is getting very frustrating!!! I made a mobile deposit on Friday after UFCU hours because I needed to pay some bills. It’s now Sunday at 7:30pm and it’s still pending?????? I could have easily deposited the check on Saturday morning, but being I already deposited it I couldn’t! Sometimes it goes through in the past and sometimes it ends up in cyberspace for days!!! I always have plenty of lighting and take the best picture of the front and back without using a tripod!!!!!! Bills are now late. Didn’t get my truck in to get fixed and eating top Roman for dinner tonight!!! You guys need to figure it out or I’ll be more than happy to close my accounts and move on. Thanks

This is so much better than the my bank and other credit union app by far! It still has room for improvement however. I dont like the need for selecting additional categories off to the far right in small fount. Most people will use this on their phones, please don’t make it harder to get to what happen in my checking or savings accounts.

The app has moderate malfunctions and poorly represents Credit Union, that I am loyal to. I have had problems with transferring money between accounts., simply login to the mobile app I have to do multiple times to get facial recognition to work, and last month I was unable to pull e- statements. The developers and maintenance should know that they created inconveniences for the customers and I’ve even considered switching credit unions just because of the mobile banking. In my opinion its absolute garbage.

I’ve done all my banking with U First ( University Federal Credit Union) for years. I love the ease of using their app. Each time they upgrade I have no problems with getting use to the changes. The tellers are all very friendly whenever I have to go to one of the branches or talk to someone on the phone. I love that there are no hidden fees like banks have.

I’ve been a member of UFirst since 1995 when I had a different account. Even then they kept up to date on technology and working with loan officer’s as life progressed they were there. Now headed into retirement I’m depending on them to help me get my wife through her retirement. We even moved to South Carolina they are still there’s

Called about a check that I deposited 2 weeks earlier and it showed that there was a hold on it. The person who helped me took my information called the correct department and fixed the problem quickly. She was nice friendly and helpful

Some functions are okay but this app is mostly just not delightful to use. Want to redeem your rewards? Gotta open up a browser. Want to use face recognition for log in? Sorry we are experiencing issues. Would you like dark mode so your retinas can operate into your twilight years? No, stare directly into this screen that rivals the brightness of Alpha Canis Majoris. Outside their shady practices around arbitration agreements, I like this credit union. However, my avoidance of using this app has resulted in making poor financial decisions. Perhaps that’s by design.

This app doesn’t work it’s telling me to reconfigure the URL. It really hasn’t worked that well for me for a long time. I am seriously frustrated. The app also doesn’t allow my husband and I to transfer funds to each other, it never has even before the change.

I quite literally closed my account because of their app update. It’s awful to use, and when I paid my $5.52 in overdraft in FULL, why does it now say I still had another .03 CENTS to pay off? That’s ridiculous and it never used to happen. When I paid the balance in full, it was paid. None of this weird cent difference once you pay it off. There are a plethora of other issues, but I closed my account because of it. I run my finances through my phone, I need it to be easy.

App is ok. Logging in is easy. Besides missing some features available only on a desktop, my biggest issue is the lack of light on mobile deposits. At my desk, the overhead light always casts a huge shadow. This could be fixed if it turned on the light when capturing image of a check.

I switched to UFirst this summer after using a national bank for 50+ years. I am delighted with the security of the online app and the personal customer service I always receive. I am proud to be supporting my community, too. This is an excellent organization. THANK YOU.

I left a negative review earlier about not being able to transfer money instantly between checking accounts but it seems the issue was fixed

I do all of my banking on my mobile app. I'm able to check balances, transfer money, deposit checks, and so much more. I never even go into the branch anymore since the app makes things so convenient! I recommend this to anyone looking to simplify their banking experience.

The title says it all. I have used the app since its inception. Rough at first, it just keeps getting better. Intuitive and fast. When my browser UFCU app balks at a transaction, the phone app usually gets the job done.

The send a message option requires you to select a recipient, however, there is nothing to select in the drop down - rendering that feature useless. Multiple buttons lead to an error message. There is no clear way to update your personal profile or billing address information.

Soo is overall great other than the transactions and the deposits. It’s hard to tell the difference between the two other than the parenthesis. Where as before it was colored red and green which in my opinion was soooo much better than their current version

I have liked the “goals” aspect of it as it has helped me better plan/budget. I think that’s my favorite feature of the app. The plus the app looks clean and is easy to navigate.

I’ve been through a bunch of financial institutions trying to find the right one and UFCU not only has all I need, but they’re super nice every time I go to a location. They listen and are friendly. I’m loving them so far. Closed my other 2 banks and now just have them and Venmo. <3<3<3

It’s very easy to navigate. Honestly I feel safe using it too, so this app definitely deserves nothing less than a 5 star. But the credit union itself is really one of the greatest in the industry as well so again nothing less than a 5 star would be fair, in my 15 yrs experience at least :)

I have always found the app to be user friendly and secure. Never had any problem with it. I use it daily for my accounts. It is very user friendly and it gives me peace of mind to be able to ck it whenever I need to.

I have been a member for awhile. I love this app to transfer money, pay bills, and check account balances. You can get notifications which are awesome when a transaction happens.

The overall experience with navigating through several functions on this app has been delightfully satisfying even though I’ve not been able to figure out how to delete companies I no longer need on my bill pay.

App feels a little behind the times. It’s the small things that really count here. I can only pay my loan through the accounts in my profile. Unfortunately, my money is in a completely different bank. I can only pay from this bank using the website. This means I still have to go online making the app pretty much useless.

Well I have two late fees now for the very first time in my entire time banking with these people because they change their app set up and made it non-accessible to see the due date and the owed fees for my CC. Seems like an intentional rift in my and a lot of other peoples daily operations to try and induce late fees by limiting communication. I will be creating several other accounts to try and drive this apps rating down until it is rectified

This app sends notifications when there is a transaction. But it fails to specify the merchant in the notification text, so it provides little value. I know there is a separate UFirst card app to manage the debit card. But that is also a complaint; I shouldn’t need a separate app