4.7 (4.7K)
41.2 MB
Age rating
Current version
University of Kentucky Federal Credit Union
Last update
1 year ago
Version OS
13.0 or later
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User Reviews for UKFCU

4.73 out of 5
4.7K Ratings
4 years ago, Needs to work for ipad
Excellent bank!! They have been my primary bank.
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.
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7 years ago, muddysoap
Mobile Deposit ? Not eligible?
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.
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3 years ago, Maxy1654
Bank’s great, app’s terrible
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.
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4 years ago, Artie6744
Not good for quick info
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.
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4 years ago, FPetrey
UKFCU is the best tool for all my banking!
Between being able to make transfers to my UKFCU and other bank accounts and being about to view my other accounts through my UKFCU online banking, I think I’ve found my one stop shop! The last app worked well, but you can do a lot more with this one. Pay bills, message support, deposit checks. Setting the bar high UKFCU!
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11 months ago, Mtj1969
One improvement needed
I keep my debit card deactivated through the app and many times I need to turn it on it’s not available to turn on. What causes this issue I don’t know but it’s a big inconvenience and been happening for years.
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4 years ago, Mandy3656
The change ruined it
The app was SO easy to use and had everything you needed for quick access tools. The most recent update is extremely confusing and doesn’t even work. The credit card payment has been down for a month, you have to register your card to pay it??? That makes no sense considering I’ve had it for years. It’s a crap app now and makes me want to switch banks, I know that’s such a small reason to switch but I need quick access with simple ways to pay my bills.
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6 years ago, StevenJump89
Good Bank, Terrible App
This app is terrible. It constantly flashes promotional ads when you navigate through different sections, regardless of having closed the ads countless times. It’s so annoying, I would rather pay up to $5 to make them go away forever. The app is also very basic and could really use a redesign. It doesn’t show the nicknames I’ve given to my accounts, it doesn’t let me rearrange the list order of my accounts, and the settings section leaves quite a bit to be desired. It’s not an enjoyable user experience.
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4 years ago, kybillygoat
Love my credit union, the app not so much
For starters, nothing you need to find is in a logical place, so much so that the banner constantly has to reference where to find what you need. Secondly, the bill pay went from being easy to use, to practically unusable. There are way more design flaws than positives (mobile deposit is a positive). Again, I love UK Credit Union and have been with them for over 30 years and plan to stay with them to do all my banking, but hope they get the app to be more user-friendly.
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5 years ago, Keepyourmoney!
The app is functional
It works most of the time. I don’t like how the view of my credit balance is now how much I have available to spend towards my limit instead of how much I need to pay off. The app didn’t used to show the balance that way, but recently changed it. I don’t have any other apps that display the view that way. I also think it’s limited in other functionalities, but hopefully they will continue to update and improve.
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4 years ago, Jenniparfait
Terrible replacement for the old app
Most people anticipate apps changing for the better, but not so with this one! Functions such a mobile deposit time out or simply don’t work, and very often the home screen loads insanely slow. While the security is likely better, and the interface is user friendly, I can’t get too excited about an app that is going to ultimately send me to the bank to sort out the mobile deposit issue.
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4 years ago, esorrelljr
Love the New App!
Really enjoying this new app. The look and feel is much nicer. Navigation is easy. The app is very responsive and I like all of the options for making transfers. I use the online baking website as well and the user experience is the same across the app and the online version. Really nice!
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4 years ago, SInsert
Amazing features!
UKFCU really makes it easy to bank local with the new digital banking! Very excited to have the ease of using my phone for all my banking needs.
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5 years ago, TheIdeaMan83
Get rid of the ads and update for newer iPhone screens.
This app use to be great before they added their ads for services. Now it’s just annoying that they keep popping up after I’ve already dismissed them. Or at least move them to the bottom of the pages. They also need to update for iPhone screens with the notch at the top and extra space at the bottom.
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4 years ago, KC00alum
Terrible Since Update
I would have given the previous version of this app 5/5 stars. It was awesome! Easily able to transfer between personal checking, savings, and business accounts as well as mobile deposits. Super easy! Since the update, nothing but trouble. Hopefully they get it fixed. If not, I will be switching banks. I moved out of Lexington to Louisville where there is no UKFCU so I rely 100% on mobile banking and I’ve been a member of this bank for over 20 years.
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4 years ago, Atudor0006
Updated app has fewer features than old app
I was really hopeful that the new app would have more features than the old one. Turns out it has fewer. Quick balance is gone. I have to actually login each time I want to see my balance. Also, I used to be able to transfer money within the app to pay my ukfcu credit card. I can’t find that feature if it’s there. I’m not even sure how to pay my credit card now. Overall I’m not happy with the new app.
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4 years ago, LostTrip
An app that never works
Every single time I attempt to login from one of my devices even though I have the correct password it tells me it’s not and I must reset it with another pin and it sends me another verification. I have called customer service multiple times they have even logged on to see my account and see that I’m entering it correctly and it never changes. This app is so frustrating it’s not even worth it if I could give it zero stars I would.
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4 years ago, Tony.Reyes
New Updated App is GARBAGE
Instead of making things more streamline, the new app has so many bugs that need to be fixed. There is NOTHING to be wow’d about the new app. Took two HUGE steps back. The only thing you can do is see all your accounts in one place. You CANNOT make transfers. You CANNOT pay bill. You CANNOT stop payment. You CAONOT get hold of someone on the phone that can help. The entire call center are reading instructions from a book...almost makes it seem like human robots, because it’s a live person answering the phone but reading it out of text someone else wrote. Looking to close my accounts later this afternoon. Thanks for the last 15 years of service UKFCU!
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4 years ago, Cat Bird
Great Bank, Awful App
First, I will say I love banking with the UK Federal Credit Union. The staff is always so friendly and helpful. However, this app doesn’t work over half of the time I try using which gets frustrating when I do all of my other banking on my phone but I still have to log into a computer to do any online banking.
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4 years ago, Hudslap
They closed the old website and forced us to use this awful mess. The access to my information is almost nonexistent. I used to be able to see what payments were due and when. I went to wireless billing on almost all of my bills, non of that old payment information transfered over. I really like UKFCU but I think this app is the reason I’ll take my money somewhere else.
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4 years ago, MrsCornish
Much less user friendly
This new app is much less user friendly than the old one. There’s no longer an option to deposit a check via the app, nor, it appears, can you transfer funds between accounts any longer. I don’t live close to an ATM for this bank, and with these inconveniences, I may have to think about switching banks.
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4 years ago, D1s4r
Bank is great
The bank is wonderful! The new app is awful. I have called and sent screenshots about the section I don’t even have. That section is bill pay. That’s a pretty important section. No body seems to be able to help. Somebody said I was supposed to have a call back. That has yet to happen and my app has not been fixed. This is not a user friendly app at all.
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5 years ago, Lady Astrid
Never updated
This app doesn’t seem to work with the new iPhones. I have an XR, and this app just twitches around on the login screen and won’t let me sign on. Eventually I was locked out of my account, but only on the mobile app. Now I can’t find a way to pay my credit card off on the actual website. I’m pretty sure this bank’s tech is designed by a 60-year-old using Windows 95.
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5 years ago, MrWonderfaux
It’s frustrating every couple months I have to go put all my information back in because you change something. It works fine how it is
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4 months ago, Prodipp
Work performance
Literally the app is so so slow in performance never send any updates looks like they can’t even hire an nice IT SO DISAPPOINTED SO FAR
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4 months ago, DepecheMahomes
More than I expected
I have yet to find a banking task that I can’t complete on the app. That’s what I like about it.
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11 months ago, kd4nuh
Best Banking Experience
UKFCU has been nothing short of exceptional. As UK employees, it’s a seamless experience and we have zero issues with this app.
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4 years ago, hkevg1
The web site used to have a transaction register feature
Before the upgrade there was a transaction register feature that was immensely helpful with tracking and keeping bills and monies separated. I want that feature back.
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5 years ago, hmhall1027
Love the new features!
Love the new features in the update. It’s great that it even works on my Apple Watch now.
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7 years ago, musicmanswb
New look, missing feature
Like the new look. However, noticed the monthly bills view in the bills section is missing. Really wish you'd bring that back as it is helpful!
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5 years ago, Tjnavrn
Terrible after update
This used to be a fairly user friendly, easy to use app. Since the latest upgrade it is awful. The graphics bounce around on the page and the icons don’t respond to touch. I have to go on my computer to do any only transactions. Not worth even having a mobile app.
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7 years ago, Wendy Gayle
I have tried multiple times to utilize the app, however it locks me out randomly and then have to call to reset. I have yet to use this app successfully. Poor design and the security is horrible also... back to using the online interface at least that doesn't lock me out.
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4 years ago, Dtacky
Love this app but
I love this app and use it daily. However, since the update I can no longer locate the quick balance feature and to me that is a must!!!! Bring it back please!!!!!
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4 years ago, julieharder
Transaction history
Last year, I was able to look at a years worth of transaction history. NOw, I can only go back 6 months. I would like to be able to have my complete transaction history if I ever need it.
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5 years ago, Angieosb
Credit card pending transactions
You can’t see pending transactions on credit card And it shows available credit as main number instead of balance.
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4 years ago, Coopsgee
Not sure why the bank switched to this app. It’s horrible. It takes at least five tries to make a deposit. It’s almost impossible to scroll through transactions. Right now the last thing we need is something to frustrate us even more!
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5 years ago, honybabey8
Easy to navigate
I enjoy this app because it’s easy for computer illiterate people to navigate! Great app!!
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5 years ago, Jdz033
Great app with with easy to use features.
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1 year ago, JillMWS
Terrible app, great bank
I have happily banked with UKFCU for 25 years but this app is driving me crazy. For some reason the app closes every time I try to make a deposit. This was one of the best features of the app. They really need to fix the bugs or find a new app.
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5 years ago, KaiShaw101
Check deposits
Often has issues with check deposit, and takes up to 5 days to deposit my full check into my account. Tends to glitch a lot as well.
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5 years ago, Sheshgiri Pai
Deposit checks
Many of the features simply don’t work one that stands out is deposit which simply doesn’t work. Also it would be nice to see account numbers more appropriately.
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1 month ago, rulocal2
Send a message
Function does not work. Also customer used to be able to see front and back image of canceled check. Those images no longer viewable. Why?
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2 years ago, 9HuqS2!697Fp
Account view and bill pay only.
I need to remotely deposit checks. Eighteen months, 2 iPhone models and untold iOS updates it still doesn’t work for me.
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5 years ago, John Ryles
App Is Terrible
Got locked out for 1 missed password. I was able to sign in on the browser within the app. When I got back to the sign in page, I get an account locked error. I'm currently logged in (inside the app) yet I can't login through the app? High quality!
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4 years ago, India$&@
Don’t like it
This new app has very little to offer in terms of options and available information. It is only good for checking your current balance.
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5 years ago, keto lady
Time out
The time out function is laughably short, incredibly irritating
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5 years ago, Jordangeorge19
Check deposit history does not update
Title. Besides that I enjoy the app.
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7 years ago, Blueboyfromky
3rd Party Transfers
Wish you could do 3rd Party transfers within the app and not having to log onto a computer to do so.
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4 years ago, sirstanleybarksalot
Much better
But wish you could do external transfer with app.
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4 years ago, babymooko
I love my UKFCU app. It makes everything easy.
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