Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
Head-to-head

MCECU Mobile vs PSECU Mobile

MCECU Mobile 4.9★ · Free to download 80
Winner MCECU Mobile
PSECU Mobile 4.8★ · Free to download 55

MCECU Mobile is a better choice for users prioritizing a consistently functional and easy-to-use app with strong customer service, while PSECU Mobile struggles with frequent login issues and mobile deposit problems.

Full reviews: MCECU Mobile · PSECU Mobile

MCECU Mobile generally provides a reliable and convenient banking experience with positive feedback on customer service and app functionality, despite some calls for modernization. PSECU Mobile, while offering many features, is plagued by persistent issues with login, app stability, and mobile check deposits, leading to significant user frustration.

Head to head

Features and Modernity tieR1R6R19R23
MCECU Mobile MCECU Mobile users appreciate features like fund transfers between members, quick balance checks, and transaction history, finding the app convenient and easy to navigate R23. However, some users desire more modern features like customized debit cards, the ability to see holds on funds, bill pay, and face recognition login R1R6R19R35. There are also requests for transaction times to be displayed and for deposit options at ATMs .
PSECU Mobile PSECU Mobile offers a wide range of banking options, including checking balances, transfers, and autopay, with users finding it easy to use for these functions . The app also supports loan applications . However, some users have noted the disappearance of features like Zelle and the inability to set up automatic loan payments .
Ease of Use and Interface edge: MCECU MobileR1R9R23R26
MCECU Mobile MCECU Mobile is generally praised for being easy to navigate and use, with recent upgrades making it even simpler R23R26R54. Users find it convenient for daily banking tasks . However, some recent updates have caused issues like frequent logouts and Face ID not working until re-login R54. There are also complaints about the app looking old and being 'too busy' after an update R1R9.
PSECU Mobile PSECU Mobile users appreciate the app's ease of use and accessibility for banking tasks . However, recent updates have introduced significant usability problems. Users report a smaller viewable area due to a large top bar , the removal of PIN login R66R70, and the need to agree to lengthy agreements before accessing accounts R64R67R70. Many find the app slow to load and switch between screens, often requiring closing and reopening .
Reliability and Performance edge: MCECU MobileR9R11R13R15
MCECU Mobile MCECU Mobile has mixed reviews regarding reliability. While many users report no issues and find the app works well , a significant number have experienced problems. Mobile check deposit was reported as not working for years for some, though it now works for others R9R11R13R19. Recent updates have caused login failures for some users . Some users also report the app not working at all or crashing R15.
PSECU Mobile PSECU Mobile suffers from widespread reliability and performance issues. Users frequently encounter error messages, app crashes, and inability to open the app R69R86. The app is consistently described as slow, taking a long time to load and switch screens . Mobile deposit is a particular pain point, with checks being hard to scan, rejected for unclear reasons, or taking too long to clear . The app also fails to work if developer mode is enabled on a device .
Security and Privacy tieR13R35R64R67
MCECU Mobile MCECU Mobile users express concerns about the app saving login IDs, preferring more robust security for banking apps R13. One user also wished for a face recognition feature for enhanced privacy R35.
PSECU Mobile PSECU Mobile's recent updates have raised security concerns, with users being forced to agree to lengthy new agreements that some feel give the bank too much power without a clear opt-out R64R67. The app also blocks access if developer mode is enabled on a device, which is seen as an excessive security measure by some users .
Customer Service edge: MCECU MobileR8R10R12R18
MCECU Mobile MCECU Mobile users consistently praise the credit union's customer service, describing staff as amazing, awesome, helpful, and outstanding R8R10R12R18. Many highlight the personal touch and willingness to assist with financial plans and issues .
PSECU Mobile PSECU Mobile users have mixed experiences with customer service. While some commend the staff for being helpful and responsive , others report significant difficulties. These include long wait times to find the right person, dropped calls without callbacks, and issues with autopay not being corrected despite contacting support . One user mentioned a PSECU rep switching their personal banking due to recent issues .
Pick MCECU Mobile if

You prioritize reliable app performance and excellent customer service, even if the app's interface isn't the most modern R8R23. You value a credit union that consistently takes care of its members and provides helpful support .

Pick PSECU Mobile if

You are willing to tolerate frequent app errors, slow performance, and frustrating mobile deposit experiences for potentially good rates and a wide range of features, assuming you don't use developer mode on your phone .

Evidence note: Both apps are free to download, so there is no free-vs-paid asymmetry. Recent negative reviews for PSECU Mobile heavily skew its perceived reliability, despite a high lifetime rating, indicating a decline in recent user experience.

Frequently asked

Does MCECU Mobile support mobile check deposits?
Yes, MCECU Mobile supports mobile check deposits, though some users reported it didn't work for years, while others confirm it now functions R9R11R13.
Are there login issues with PSECU Mobile?
Yes, PSECU Mobile has frequent login issues, with users reporting being locked out, forced to read long agreements, and the app not opening or giving error messages R64R67R69R86.
Do either of these apps have Face ID or biometric login?
MCECU Mobile users have expressed a desire for Face ID, indicating it may not be a standard feature, though one user mentioned it logging out regularly and not working until re-login after an update R35R54. PSECU Mobile users have complained about the removal of PIN login, suggesting biometric options might be inconsistent or absent R66R70.

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] MCECU Mobile 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
  2. [R6] MCECU Mobile 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!
  3. [R19] MCECU Mobile 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.
  4. [R23] MCECU Mobile 5/5 · US MCECU: Amazing service, the app is very easy to navigate through and is very convenient
  5. [R9] MCECU Mobile 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.
  6. [R26] MCECU Mobile 5/5 · US The app: The upgrade are easy to use
  7. [R11] MCECU Mobile 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.
  8. [R13] MCECU Mobile 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...
  9. [R15] MCECU Mobile 1/5 · US App Not Working at all😞😞😞: Please fix it.
  10. [R35] MCECU Mobile 5/5 · US Privacy: I been trying to do face recognition but it doesn’t have that feature
  11. [R64] PSECU Mobile 2/5 · US Not Happy with the Update: When an update says "we promise to make this painless" I don't expect to have to agree to a 20 page agreement, much less be locked out of viewing my accounts until I have the time to read it. I did it at a time when I couldn't access a browser... That is not painless!
  12. [R67] PSECU Mobile 1/5 · US New login problem: I’m greatly frustrated that I’m forced to read another long agreement before I’m given access after updating. …and on top of it the new agreement states that I agree to anything they ever add without a loophole to withdraw consent if I ever want to. I don’t have access to a browser tonight, so I’m forced to wait until tomorrow. Don’t upgrade until you have a few hours to work th
  13. [R8] MCECU Mobile 5/5 · US Awesome: Always Awesome and helpful
  14. [R10] MCECU Mobile 5/5 · US The Best: I have been a member of other credit unions and MCECU is by far the best😘
  15. [R12] MCECU Mobile 5/5 · US Great Service: I’ve been a member for over 25 years and I have no complaints.
  16. [R18] MCECU Mobile 5/5 · US HJG: The best CU hands down!
  17. [R69] PSECU Mobile 3/5 · US App won’t open: Try to open the app and it keeps giving me an error message!
  18. [R86] PSECU Mobile 1/5 · US Zero account access: That’s what you get, I don’t know why this bank can’t hire someone to get a decent app. Estimated annual revenue of 324million and can’t login to check my accounts. They will be cutting me a cashiers check to take to a new bank tomorrow. It’s shameful really 20yrs I’ve dealt with these clowns, I’ve had enough. So devs, everyone of you should be fired, you are incompetent and h
  19. [R54] MCECU Mobile 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.
  20. [R66] PSECU Mobile 3/5 · US Signing in with my PIN?: After the latest update it seems the log in option with your PIN is no longer available. What’s the reason for this?! Plus it seems slower.
  21. [R70] PSECU Mobile 1/5 · US Update is terrible: I update to the new digital service, and it is terrible. I used to be able to login in with my pin, now I have to use my password. Instead of my account popping up I get my mom’s I have to select mine. Somehow you managed to take an app and a service that worked great and made it suck.

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