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Updated July 2026 · real, multi-region App Store reviews
Head-to-head

Georgia's Own Credit Union vs Southern Energy Credit Union

Georgia's Own Credit Union 4.8★ · Free to download 75
Winner Georgia's Own Credit Union
Southern Energy Credit Union 4.8★ · Free to download 45

Georgia's Own Credit Union (App A) is generally preferred for its more consistent functionality and a wider range of features, despite some recent negative updates, while Southern Energy Credit Union (App B) suffers from significant login and stability issues.

Full reviews: Georgia's Own Credit Union · Southern Energy Credit Union

Georgia's Own Credit Union (App A) offers a more reliable mobile banking experience with generally positive feedback on ease of use and customer service, though recent updates have introduced some frustrations. Southern Energy Credit Union (App B) struggles with frequent login problems, app crashes, and a less intuitive new interface, overshadowing its praised customer service.

Head to head

Features edge: Georgia's Own Credit UnionR1R4R15R16
Georgia's Own Credit Union Users appreciate features like easy transfers, mobile check deposit, and the ability to message the bank . However, recent updates have removed or made it harder to reorder accounts R1R4, manage credit card details R15, or lock/unlock cards within the main app R16. There's also a desire for Zelle integration R42R48 and the ability to recategorize transactions . Bill pay functionality has been criticized as terrible and not user-friendly after updates .
Southern Energy Credit Union The app allows for photo deposits, which users find easy and time-saving . However, users report missing features such as the ability to pay credit card bills R85R97, view pending transactions , or link multiple children's accounts . The new app is also criticized for not having a clear bill pay option or 'My Rewards' R85.
Ease of Use edge: Georgia's Own Credit UnionR1R4R5R13
Georgia's Own Credit Union Many users find the app easy to use, secure, and simple to navigate R5. However, recent updates have made the bill payment feature less user-friendly and removed the ability to reorder accounts R1R4. Some users also dislike the forced portrait mode on tablets and the change in transaction display . There are complaints about the 'remember device' function not working R13.
Southern Energy Credit Union Users appreciate the ease of making photo deposits and transferring between accounts . However, the new app is widely criticized for being less intuitive , with a jumbled layout . Users also report issues with facial recognition and biometrics being inconsistent or not working R61R65R68R70, and the app not saving login names .
Reliability edge: Georgia's Own Credit UnionR2R3R7R9
Georgia's Own Credit Union Many users report significant issues with the app being slow R2R7, failing to load content R3, crashing , or having login problems . Some users experience delays in balance updates R2R7 and errors when attempting transactions R3. The app also has issues with mobile check deposit misreading amounts R9 and not loading on certain devices after updates .
Southern Energy Credit Union App B suffers from severe reliability issues, with users frequently reporting that the app is down , rarely logs in , spins and times out , or crashes constantly . Login issues are prevalent, with facial recognition often stopping or failing R61R70, and the app getting stuck on the welcome screen . Some users also experience problems with mobile check deposits failing multiple times .
Price/Value tieR26R29R34R35
Georgia's Own Credit Union Users generally praise the credit union itself, with many expressing satisfaction with the service and recommending it R26R29R35. One user, however, criticizes the fees as 'outrageous' R34. The app is free to download.
Southern Energy Credit Union Users express strong loyalty to the credit union itself, praising its helpfulness, friendliness, and good experiences over many years . One user notes an 'embarrassingly low APR' for a credit union . The app is free to download.
Support tieR14R32R36R39
Georgia's Own Credit Union Many users commend the excellent and helpful customer service, noting that issues are addressed quickly R14R32R36. However, some users report difficulty getting through to customer service or receiving callbacks R39. One user had a negative experience with the IT team regarding bill pay issues .
Southern Energy Credit Union Customer service is highly praised, with users highlighting polite, patient, and helpful representatives . Users feel the people working for the credit union make it great . However, one user had a nightmare transition experience with long wait times and issues registering accounts .
Pick Georgia's Own Credit Union if

You prioritize a generally functional banking app for daily transactions, even if recent updates have introduced some UI frustrations and minor performance issues R5. You value responsive customer service for resolving issues R14R32.

Pick Southern Energy Credit Union if

You are deeply loyal to Southern Energy Credit Union and its in-person service, and are willing to tolerate significant app instability and login problems for the sake of the credit union's overall benefits.

Evidence note: Both apps are free to download, so there is no free-vs-paid asymmetry to consider. Recent reviews for both apps show a negative skew due to update-related issues, particularly for Southern Energy Credit Union where the 'new app' is frequently criticized.

Frequently asked

Does Georgia's Own Credit Union app support Zelle?
No, users have requested Zelle integration, indicating it is not currently available R42R48.
Can I reorder accounts in the Georgia's Own Credit Union app?
Recent updates to the Georgia's Own Credit Union app have removed the ability to reorder accounts, forcing a fixed display of savings first, then checking R1R4.
Does the Southern Energy Credit Union app have Face ID or biometric login?
While some users report using facial recognition, many others experience issues with Face ID or biometrics constantly stopping, not working, or being unavailable to set up R61R65R68R70.
Can I pay my credit card bill through the Southern Energy Credit Union app?
Users report that the Southern Energy Credit Union app does not have an option to pay credit card bills R85R97.

What reviewers actually said

Built only from these 120 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. [R1] Georgia's Own Credit Union 1/5 · US Account Sorting: You used to be able to put your accounts in any order you wanted, based on your own prioritization. The app now forces you to show all savings accounts first and all checking accounts second. I want to be able to see my highest priority accounts first without a forced checking/savings grouping.
  2. [R4] Georgia's Own Credit Union 1/5 · US Reorder Accounts Missing: Where did the reorder accounts on the mobile app go ? I called in and they said the new update is just the way it is. Not very customer focused.
  3. [R15] Georgia's Own Credit Union 3/5 · US Credit card access: There are no details for the credit card I have on file. It would be helpful to review the details of the credit card
  4. [R16] Georgia's Own Credit Union 1/5 · US Could be much better: There’s no way to manage locking and unlocking your card with this main app. The separate card manager app is worthless/non functional and needs to be removed. It never let me past the enrollment screen. Because there’s no easy way to lock your card when you’re not using it I decided to go without one. Also, don’t use a VPN when using the app. I got locked out and had to do f
  5. [R5] Georgia's Own Credit Union 5/5 · US Wooooo!: Easy to use, very secure, best banking app I’ve had.
  6. [R13] Georgia's Own Credit Union 1/5 · US App doesn’t remember device.: The app is decent. Except the “remember device” function is worthless. Every single time I login, which is always from the same and only device I use for banking, it forgets. The “remember” box is a joke.
  7. [R2] Georgia's Own Credit Union 4/5 · US Little slow: It’s a little slow to register money taken and deposited from my checking account, which makes it a little hard to see what’s in my account, but all in all, Union is great ans I’ve used it for years
  8. [R3] Georgia's Own Credit Union 3/5 · US Unable to load content please refresh: Get on every page “unable to load content please refresh page” . This error never goes away and this error keeps from you completing transactions whether it’s a profile update / setting or transaction .
  9. [R7] Georgia's Own Credit Union 2/5 · US What’s wrong with this app???: I’ve used this app for years and never had an issue until recently. Every time i log in it takes 2-4 mins for my balance to appear. Like it’s “loading” forever! I’m trying to see my balance as soon as i log in, this delay is annoying!
  10. [R9] Georgia's Own Credit Union 3/5 · US Check deposit: Overall a good app, but I wish it would read checks for deposits better. I often run into it misreading the amount.
  11. [R26] Georgia's Own Credit Union 5/5 · US Great place for banking needs!: I’m been a satisfied customer for many years!
  12. [R29] Georgia's Own Credit Union 5/5 · US Best bank in GA: In my opinion it's the best bank in Georgia. I've delt with a few other banks but Georgias own has been the best for my situation and helped me. I'd highly recommend them to others.
  13. [R34] Georgia's Own Credit Union 1/5 · US Stay away from this Credit Union and their Terrible App: The worst bank/credit union in all of Georgia. First, what a stupid name! Did they fire all of their marketing staff the week they had to come up with a name? It does even make any sense. If you are sucked in and open an account, their fees are OUTRAGEOUS! They make most of their profit from FEES which you will pay! Their Customer Service if
  14. [R35] Georgia's Own Credit Union 5/5 · US Georgia’s own: I’m never leaving this bank
  15. [R14] Georgia's Own Credit Union 5/5 · US Love GA’s Own: This credit union is so helpful! They always credit my account immediately when I deposit checks. When my Social Security check arrives it is immediately credited to my account and I can use that money to pay my bills while some of my friends banks do not allow them access to their money early. When I do go in n Georgia Own they are the friendliest employees ever. They are very nice
  16. [R32] Georgia's Own Credit Union 5/5 · US 5 STARS: If I ever had a problem on has been on top of it all I gotta do is give them a call. I love banking with you guys. All you gotta do is keep an eye on your accounts. And thank God they fix it to where you can do banking online. I’m giving you five stars because you deserve it.!!
  17. [R36] Georgia's Own Credit Union 3/5 · US Love this app! Awesome. Great customer service: Best service!
  18. [R39] Georgia's Own Credit Union 3/5 · US Need easier access to help: I’ve been banking with DOCO/GOWNS for the better part of 10yrs and in my opinion they’re better than most. But when I have an issue it is really time consuming and annoying when trying to get through the automated service just to wait for a rep. Recently I needed to cancel my debit card and I called GOWNS. I never got through. I used the call back feature and when they
  19. [R42] Georgia's Own Credit Union 3/5 · US It’s very basic: It gets the job done as long as you remain local. When you travel, your account may be deactivated after the first withdrawal. I don’t use it for bill pay. Zelle is needed!
  20. [R48] Georgia's Own Credit Union 5/5 · US Good but we need Zelle: Can you become a Zelle partner!?
  21. [R61] Southern Energy Credit Union 2/5 · US New App is Terrible: Ever since they switched from the old APCo app to SECU App, it’s been terrible. The facial recognition constantly stops working. Signing in then asks for verification every time - even if I’m using it in the exact same location/wifi. It’s really annoying and inconvenient and needs to be fixed long term. Moving Transfers to the menu was not great. Give us the old app back!
  22. [R65] Southern Energy Credit Union 5/5 · US Ehh: Too laggy and inconsistent with biometrics usage
  23. [R68] Southern Energy Credit Union 4/5 · US No Facial ID: I believe this is the year 2025 and this app does not have facial recognition.
  24. [R70] Southern Energy Credit Union 1/5 · US Can’t Log In: Been using facial recognition but now it scans face and just sits there. It’s been days now and still can’t log in.
  25. [R85] Southern Energy Credit Union 1/5 · US New App is TERRIBLE: What is the point in an app if I can’t pay my bill?? Where is the bill pay option? Where is the My Rewards option?
  26. [R97] Southern Energy Credit Union 1/5 · US Can't pay visa payment: After all the hassle to set up this stupid app I can't even pay on my Powerco visa . Horrible set up.

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store