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Updated July 2026 · real, multi-region App Store reviews
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Is it worth paying for

MCECU Mobile

75
Value score / 100 Worth paying? No Skip it

MCECU Mobile is a generally well-regarded free app for Memphis City Employees Credit Union members, offering convenient banking features despite some recent technical issues and outdated aspects.

Free to download 4.9★ lifetime (9,784) since 2011

MCECU Mobile is a free app for credit union members, praised for its convenience, ease of use, and helpful customer service. While many users appreciate recent updates and features like mobile deposit and external transfers, some recent reviews highlight significant login problems, outdated design, and missing functionalities.

Free vs paid

The MCECU Mobile app is entirely free, with no in-app purchases or paid tiers mentioned in the product description or reviews. Users can access features like checking account balances, viewing transaction history, transferring funds between accounts, and performing mobile check deposits R21R22R70. Recent updates have added the ability to view credit scores and transfer money to/from other financial institutions R60R62.

Value complaints

  • A fee is charged for over 6 transfers in a month.R58

Where it delivers

  • The app is convenient and easy to use for checking balances, viewing transactions, and transferring funds.R11R21R22R80
  • Recent updates have introduced valuable features like mobile check deposit (though some report issues), credit score viewing, and external account linking/transfers.R52R59R60R62
  • Many users appreciate the overall service and support from the credit union, which extends to the app's functionality.R3R10R13R32
  • The app is particularly useful for members who have moved away or need to bank remotely.R23R28
Worth paying if

N/A, as the app is free.

Skip / stay free if

N/A, as the app is free.

Evidence note: The evidence is robust, with a high volume of reviews covering both positive and negative aspects of the app's functionality and user experience. Recent negative reviews regarding login issues and outdated features are balanced against a large number of positive lifetime reviews.

Frequently asked

Does the MCECU Mobile app support mobile check deposit?
Yes, the MCECU Mobile app does support mobile check deposit, and some users praise it as a great feature, especially after recent updates R58R70. However, some users have reported issues with it not working or failing after 24 hours R66R69.
Are there any issues with logging into the MCECU Mobile app?
Yes, several recent reviews indicate significant problems with logging into the MCECU Mobile app, with users unable to log in after updates, being asked to register an email online, or experiencing the app not working at all R57R61R65R72. Some users found solutions by calling the credit union for assistance .
Does the MCECU Mobile app have a modern design and all banking features?
No, many users describe the MCECU Mobile app as outdated and in need of a facelift, with some noting it looks old even after updates R14R75. It is reported to be missing features like bill pay, the ability to see holds on accounts, and member-to-member transfers R75R77R84.
Can I link external accounts and view my credit score in the app?
Yes, recent updates to the MCECU Mobile app have added features allowing users to view their credit score and link and transfer money to and from other financial institutions R60R62.

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. [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.
  2. [R11] 5/5 · US MCECU: Amazing service, the app is very easy to navigate through and is very convenient
  3. [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.
  4. [R22] 5/5 · US Memphis Credit Union: I love everything about this bank and the app. You can do just about any and everything at your fingertips without having to go to the bank unless depositing a large check! I do recommend using
  5. [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!!
  6. [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!
  7. [R59] 5/5 · US Love it: This new app is amazing I love the new update and enhancements 😁😁😁
  8. [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
  9. [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!
  10. [R3] 5/5 · US Awesome: Always Awesome and helpful
  11. [R10] 5/5 · US Credit union: The credit union has always taken care of my family when I need them thank you for that
  12. [R13] 5/5 · US The City of Memphis Employee Credit Union Personal: The people who work at the City of Memphis Employee Credit Union on Whitten Road are the absolute best. Their customer service is outstanding. They are very helpful and will always take a few extra minutes to answer any question from the customers. I really like the personnel there.
  13. [R32] 5/5 · US MCECU: This is a very good credit. I have really enjoyed the customer service and how helpful everyone has been in helping take care of my banking issues.
  14. [R23] 5/5 · US Convenient: It works well enough for me and I haven’t had any issues . This review is based on years of having the App. It especially came in handy during THE PANDEMIC! Well done credit union people!
  15. [R28] 5/5 · US Convenient: Now that I have retired and moved 1.5 hrs away. I find it simple to do my banking using the City of MEMPHIS Credit Union even from far away.
  16. [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!!
  17. [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.
  18. [R70] 5/5 · US Mobile Deposit is great: The update looks nice and I mobile deposit is great
  19. [R57] 5/5 · US Nice update but too technical difficulties: Nice and neat update but why this app always have technical issues when I want to check my stuff. Please fix that issue.
  20. [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.
  21. [R65] 5/5 · US App not working, can't login.: Could be a great app.
  22. [R72] 1/5 · US App Not Working at all😞😞😞: Please fix it.
  23. [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
  24. [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.
  25. [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!
  26. [R84] 5/5 · US Nice: Great app. The only thing missing is the bill pay option. Please add if possible.

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