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Updated July 2026 · real, multi-region App Store reviews
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The verdict on

MCECU Mobile

65
User verdict / 100 High confidence Divided

The MCECU Mobile app has recently undergone an update that has introduced both appreciated new features and significant technical issues, leading to a mixed user experience despite a historically high overall rating.

4.9★ lifetime (9,748) Free to download since 2011 by Memphis City Employees Credit Union updated 0.6 mo ago recent negative 12% 86 reviews across 1 regions
Update Issues Mobile Deposit Outdated Interface/Missing Features New Features Security/Privacy
5★69
4★5
3★2
2★4
1★6
recent reviews across 1 regions, vs the 4.9★ lifetime average

Recent reviews for the MCECU Mobile app indicate a mixed reception to a new update, with some users praising new features like credit monitoring and external transfers, while others report critical login failures, mobile deposit problems, and a perceived outdated interface. The app's lifetime rating is very high, but recent feedback suggests a negative trajectory due to these new issues.

What users like

  • New update offers improved features like credit monitoring and external account transfers.R60R62R52
  • Mobile check deposit functionality has improved for some users, though not universally.R58R70
  • The app is generally considered easy to navigate and convenient for managing accounts.R11R21R46R80
  • Fingerprint/Face ID authentication is available and appreciated by users.R73R44

What users complain about

  • Many users are experiencing login issues and app not working at all after the update.R74R82R61R65
  • Mobile deposit is still problematic for some, with failures and camera access issues reported.R69R66R71
  • The app's interface is described as outdated and 'too busy' by some users.R14R58R69R75
  • Missing features include bill pay, viewing holds, and credit card transactions within the app.R75R77R67R84
  • Security concerns exist regarding the app saving login IDs and lack of Face Recognition for some.R71R48R24
  • The ability to block cards, which was present in the old version, is reportedly missing in the new update.R54

Latest update · v4021.2.0

What the developer says changed (the verdict above weighs this against what reviewers report):

Our new experience provides easier access to the features you use most while on the go. This new version includes updates to the accounts, mobile deposit and navigation experience.

Recurring themes

Update Issues negative
Many users report significant problems with the app after the recent update, including inability to log in, app not working, and a preference for the old version. This directly contradicts the developer's notes claiming an 'easier access' experience.R74R82R61R56
Mobile Deposit mixed
While some users praise the improved mobile deposit functionality in the new update, others continue to experience failures, camera access issues, or report that it still doesn't work. This is a key feature mentioned in the developer's notes.R58R69R70R66
Outdated Interface/Missing Features negative
Several reviews describe the app as outdated, old-looking, or too busy. Users also frequently request features like bill pay, the ability to see holds, and credit card transaction viewing, which are currently missing.R14R58R69R75
New Features positive
Despite the issues, some users appreciate the new features introduced with the update, such as the ability to view credit scores, link external accounts, and transfer money between institutions.R60R62R52R59
Security/Privacy negative
Concerns are raised about the app automatically showing balances and saving login IDs, with some users preferring more robust security measures like Face Recognition, which is not universally available or working. The ability to block cards, present in the old app, is also reported as missing.R48R71R24R54

Who it's for

This app is for existing Memphis City Employees Credit Union members who value the convenience of mobile banking and are willing to navigate potential technical issues, especially login problems, after the recent update R74R82. It may appeal to those who benefit from the newly added features like credit monitoring and external account transfers R60R62. Users who prioritize a modern interface, robust mobile deposit, or specific features like bill pay and viewing holds might find it lacking R14R69R75.

Evidence note: The recent reviews skew more negative than the lifetime rating, indicating a potential decline in user satisfaction following the latest update. While many positive reviews exist, they often praise the credit union itself rather than specifically the app's functionality, or are general positive statements. The negative points, particularly regarding login and mobile deposit, are specific and recurring.

Frequently asked

Are there new features in the MCECU Mobile app?
Yes, the latest update includes new features such as the ability to view your credit score, link and transfer money to and from other financial institutions, and an updated navigation experience R60R62R52.
Does the MCECU Mobile app have mobile check deposit?
Yes, the MCECU Mobile app includes mobile check deposit, and some users report it now works after the update, though others still experience failures, camera access issues, or find it unreliable R58R69R70R66.
Are there login issues with the MCECU Mobile app after the update?
Yes, many users have reported significant login issues and the app not working at all since the latest update, with some unable to access their accounts R74R82R61R65.
Can I see holds on my account or use bill pay in the app?
No, several users have noted that the app does not allow them to view holds on their account or offer a bill pay option, requesting these features for future updates R77R75R84.

What reviewers actually said

Built only from these 86 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R60] 5/5 · US Nice NEW features: Love being able to view my credit and transfer money to and from the credit union with my other financial institution. And being able to see my other accounts here at the credit union
  2. [R62] 5/5 · US New Version: I love the new features like being able to see and monitor my credit score and link and transfer to external accounts! Love this new app!
  3. [R52] 5/5 · US Love the new version: Love the new features with this update. You can do so many things with this new update. Just keeps getting better!
  4. [R58] 1/5 · US Too Busy: The new update is too busy, just a lot going on. It could be way more simpler. FINALLY the mobile check deposit works (didn’t work for years and no one could help) and now they charge a fee for over 6 transfer in a month.
  5. [R70] 5/5 · US Mobile Deposit is great: The update looks nice and I mobile deposit is great
  6. [R11] 5/5 · US MCECU: Amazing service, the app is very easy to navigate through and is very convenient
  7. [R21] 5/5 · US Credit Union App: This app is amazing. I love how convenient it is for me and my wife to transfer funds to one another. I love how quick and easy it is to check my account balance and follow my transaction history.
  8. [R46] 4/5 · US Great app: This is one of the best apps available. Easy to navigate and understand. Great app CMECU.
  9. [R80] 5/5 · US AMAZING: Super convenient and easy to use!! This app is great! I used to have to login via safari and it took so long! Now all I have to do is type in my password and all of my accounts are at my fingertips!! Great app!!
  10. [R73] 5/5 · US Great update: I love the update. The fingerprint authentication is great...I can't wait for the mobile deposit to work.
  11. [R44] 5/5 · US Mostly love it.: I still like it just fine outside of the last large update, it now logs me out regularly and won’t Face ID until I log in again. I know. 1st world issues; but, it would NEVER do that before the update. Please fix that. Otherwise, love it. Easy to use.
  12. [R74] 1/5 · US Update ruined login: I can't login since the update.
  13. [R82] 2/5 · US Worked great...at first: I cannot login now for some reason. It tells me to register an email address with the site online, then try the mobile app again. We already have an email address registered...not sure what's going on with this. I LOVED the app at first. Please fix this!!
  14. [R61] 5/5 · US This app is now crap: The app used to work perfectly, then they updated it and no longer functions and it’s impossible to reach support. Extremely frustrating.
  15. [R65] 5/5 · US App not working, can't login.: Could be a great app.
  16. [R69] 1/5 · US Old and horrible.: Horrible. Updates are almost nonexistent. And don’t try now to do mobile deposit on an XS iPhone. Fails to allow camera access. Horrible.
  17. [R66] 5/5 · US What a crappy mobile app for a deposit: I just tried to do the mobile deposit using this app, and of course, it failed after 24 hrs. Never again will I use this app!!
  18. [R71] 2/5 · US Security: Don't like how the app saves my log in id. Convenient yes, but I'd prefer my BANK to be more secure. Haven't tried mobile deposit yet. If it doesn't work like some claim then it will be deleted. Might get deleted anyway because of security..... I have mobile deposit with another bank and its wonderful and they don't save any log in information....might change banks completely...
  19. [R14] 2/5 · US MCCU: I like Memphis city credit union but it’s very outdated. Even the app looks old. Everything needs an update especially going into 2k24! Like can we get customized debit cards/atm cards? Just something
  20. [R75] 1/5 · US Outdated: This app is in serious need of an update. It has no bill pay nor mobile check deposit. Due to the branches closing at 4pm majority of the week, you (credit union) should make mobile banking a top priority. I'd like to see banking transfers from member to member as well. The whole app needs to have a facelift in general as well.
  21. [R77] 3/5 · US Pretty good BUT...: could be better, if HOLDS were able to be seen on APP. I don't understand why they aren't! Add the HOLDS!
  22. [R67] 5/5 · US Missing One Thing....: Love the app, just wish I could view my cu credit card transactions as well.
  23. [R84] 5/5 · US Nice: Great app. The only thing missing is the bill pay option. Please add if possible.
  24. [R48] 2/5 · US I don’t like my Balance shown automatically: I don’t I like that my balance is shown I
  25. [R24] 5/5 · US Privacy: I been trying to do face recognition but it doesn’t have that feature
  26. [R54] 5/5 · US Card blocking: I hate the new update you can’t keep your card blocked off like the old version
  27. [R56] 1/5 · US New app: The old app was much better.
  28. [R59] 5/5 · US Love it: This new app is amazing I love the new update and enhancements 😁😁😁

Synthesized from 86 recent App Store reviews · updated July 2026 · View on the App Store