SDCCU 4+

This app lags. I checked it the morning of a small outing I did with my dogs. It showed I had plenty of funds after accounting for pending charges. I bought a $7 piece of pizza and a couple/few more very small purchases. When I checked my account the next day I was shocked to see I had 4x overcharge fees on purchases as small as $5. The tally in my account even still showed my remaining balance as positive. When I called the rep had to put me on the line with the manager and the manager was exceptionally rude and essentially told me to just do better accounting. Apparently there was a pending charge that was not displayed on the app but that they had removed from my account anyway. Honestly none of the accounting that they basically brushed by me over the phone made any sense whatsoever per what I was being shown in the account both online and in this app. And even again my account is showing I have money though I have gotten notifications that my rent has been sent. It is not being displayed as having been removed.
So - no SDCCU - it is not my poor accounting (though I don’t deny I have timing issues which is why I rely on the bill pay services and my app and account being up to date) - it’s your fault my system and it cost me 4x $40 overdraft fees. You essentially stole $160 from me because of YOUR faulty system.

When doing online backing, a browser on a desktop is really the way to go. The SDCCU online portal works very well and is the best way to go. If you need to use your phone and it’s small screen, simple tasks like viewing your balance, recent transactions, or transferring money between account are the meat and potatoes of the tasks you want to accomplish. This app performs those functions just fine.

The problem is check deposits. This is really what you need the phone app for because it is not something you can do on your desktop. When it work, it works. And it works just fine. The problem is, more often than not, it doesn’t work. The best outcome is that the app crashes. This happens quickly and I know to move on to some other task. Sometimes, however, it pauses, or thinks for a while. Sometime the deposit goes through and sometimes it comes back with an error to try again. I try and try because there is the chance it *will* work and I do the happy dance because my check has been deposited. Or doesn’t quite work and I finally give up because I’ve been wasting too much time with the app. And I wait until tomorrow to give it another try.

To end on a positive note, the Touch ID works fine and is an amazing convenience. I hate typing in passwords on the small screen and my banking password is long and complex because of the importance of that account.

This bank is trash. They will NOT let me use MY money. I’m keeping the account as a savings account bc it’s nostalgic for me, but otherwise i’m done. I changed my name to my married name WEEKS ago and no card.. plus now they’ve decided to start selectively declining my OLD card (that is supposed to be working until i get my new one) bc reasons. I have money in a my account and i cannot use it OH! And i also cannot transfer it to another account.

This bank also repeatedly declines my Apple pay for literally no reason. WHAT is wrong with you all? Did your brains vacate your skulls? What happened to this bank? It used to be good. I’ve been with SDCCU for 13 years… things are supposed to get BETTER, not WORSE. Epic fail.

Previous headache driven review- Won’t even load- And apparently the excuse is that most of your demographic are elderly? So what, you just outright admit that you don’t care about your app bc, according to some chump in a suit, only elderly people use it? So it’s OK to not care about your elderly customers? Are you joking? I’ve been with SDCCU for 12 years. Please don’t let people leave bc your boomer executives (who ironically think it’s ok to treat the elderly like they don’t matter) refuse to move into the future. Get it together.