MSGCU Mobile

Michigan Schools and Government Credit Union

About this app

MSGCU’s Mobile Banking App lets your banking keep up with you.

With Michigan Schools & Government Credit Union’s mobile app, banking from wherever you are is more convenient than ever.
Features include:
• Check balances, transfer money, and make loan payments
• Deposit checks using your device’s camera
• Enable fingerprint and facial recognition
• Find one of nearly 30,000 free ATMs
• Send person-to-person payments via PayPal
• Set up account alerts to your phone, email and app
• Turn debit and credit cards on and off
• Pay bills electronically
• Open new accounts and apply for loans
• See current rates
• Members can register directly from your device in four easy steps

Not a member? Anyone in Michigan can bank with us. Visit msgcu.org/join or call 866-674-2848.

Federally insured by NCUA.

Anyone in Michigan is eligible to apply for Michigan Schools and Government Credit Union loans. To learn more about our lending options and rates, please visit: https://www.msgcu.org/Michigan-loan-rates and https://www.msgcu.org/memberfastcash. Review our privacy policy to learn more about how we collect, share, and protect your personal information: https://www.msgcu.org/privacypolicy.
Our personal loans have a minimum repayment period of 1 month and a maximum repayment period of 72 months. The Maximum Annual Percentage Rate (APR) for a personal loan is 23.519%.
Please review our loan cost example: Consider a loan where the borrower receives $5,000 at an APR of 9.00% over 36 months. The borrower would repay $159.04 every month. The total amount paid for the loan would be $5,725.26.
All loans are subject to credit approval. Actual loan terms may vary and depend on the prospective borrower’s credit profile, debts, income, membership history, etc. Contact a Member Service Representative for more details.

Ratings and reviews

Overall the app is very good. It offers all of the options available in the old app plus all of the ones that were previously only available via the website. The biggest plus has to be the intra-member transfer feature. No longer do I have to "connect" someone's account to be able to send money. You can also send money via PayPal to anyone from the app. The "advertisement" on the top is useless as it takes away useful screen space only to display MSGCU based ads. Leave these ads for the website.

The mobile deposit feature doesn't give you enough feedback. When a mobile deposit fails to be accepted. There should be a whole separate section to show you all the previous mobile deposits and whether or not they were successful. I've had a couple of cases where a mobile deposit was pending when I made it and then it was declined and I didn't realize it for months.

Ehhh... Not impressed. Luckily I don't use msgcu for my primary banking needs. This app is slightly nicer UI than the original , but that spammy ad running across the top is very unprofessional. I feel like I'm using a sideloaded apk posing as msgcu to steal my info. Might want to think of a smoother way to market your services to your customers 😉 ...that being said, all I use it for is a couple mobile deposits here and there. As long as I can move my money around, whatever, lol.

What’s new

Big upgrades have come to online banking!
• A new look with easier navigation
• An enhanced transfers and payments menu
• Customizable views
• External account linking with Plaid
• And more