UCU's Mobile Banking

University Credit Union

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About this app

Manage your accounts 24/7 with UCU Mobile Banking. Download our latest mobile app today and securely manage your accounts on the go from anywhere! Conveniently access your accounts, transfer money, deposit checks, monitor your credit score, and apply for a loan - all within UCU’s free mobile app.*

Mobile Banking features and benefits:
•Mobile Check Deposit
•BillPay
•Send Money with Zelle® ¹
•Apply for a Loan ²
•Card Controls
•Order Checks
•Access eStatements
•Make loan payments or set up recurring payments
•Receive real-time account alerts

Some restrictions apply. For additional information about UCU Mobile Banking or other products and services, please visit www.ucumaine.com or call [phone]. UCU is committed to protecting the privacy of our members' financial information. To view our privacy policy, visit https://www.ucumaine.com/online-privacy-policy/.

* Message and data fees may apply from your wireless carrier.
¹ Zelle is a registered trademark of Early Warning Services, LLC.
² Our current members may be eligible to apply for loans with University Credit Union. For the latest information and to see specific loan options and terms visit our website https://www.ucumaine.com/rates/.

UCU is federally insured by NCUA.

Our members may be eligible to apply for loans with University Credit Union. Please review the following to understand our lending information, and make sure to check https://www.ucumaine.com/rates/ for the latest rate information.
Our personal loans have a minimum repayment period of 30 days and a maximum repayment period of 60 months. The Maximum Annual Percentage Rate (APR) for a personal loan is 18.00%. Our minimum offered loan amount is $500 and our maximum offered loan amount is $25,000.
Not all applicants may qualify for the most favorable rates or the highest possible loan amounts. Approval and actual loan terms depend on credit union membership history and credit risk evaluations (including responsible credit history, debt-to-income information, and availability of collateral). Highly qualified applicants may be offered higher loan amounts and/or lower APRs. Personal loans may not be used for college or post-college education expenses, buying crypto or other speculative investments, gambling, or illegal purposes.
Please review our loan cost example below:
Consider a loan where the borrower receives $10,000 at an APR of 18.00% over 48 months.
The borrower would repay $293.74 every month.
The total amount paid for the loan would be $14,099.52.
Actual loan terms may vary and depend on the prospective borrower’s credit profile, debts, income, membership history, etc.
Some of our loan options are intended for consolidating existing debts into a single loan. When consolidating existing debts or refinancing an existing loan, total finance charges and money owed over the period of the new loan may be more than the existing debt due to longer terms or higher interest rates.

Ratings and reviews

Its a solid app, simple and useful, but the permissions are too far reaching. I can turn them off manually, but the app appears to be trying to take screenshots of my phone activity when I do not have it open. I would really appreciate it if it didn't do that. It feels like malware. Also, what's up the the ads? Maybe they subsidize the development of the app, but they're incredibly gaudy and unprofessional. I expect better from my credit union.

Update: the new app is so much better now. Previously I'd written that may switch back to Bank of America -- I wanted to participate in my credit union but there aren't enough convenient branches or ATMs, and the mobile app either doesn't allow me to log in at all, or when it did let me log on once or twice, the mobile deposit didn't work with my camera, so it was not usable at all. The BofA mobile app worked flawlessly, I"m not sure why this one can't be as reliable?

Inconsistent, rarely opens the first try. I usually have to close out and try several times. Once it's open it's hit or miss still. This morning it took 5 attempts to open and the details of each account still won't load. When it opens it's fine.

What's new

General app enhancements and improved performance