NYMCU Mobile Banking 4+

MCU needs to revamp this app to allow for simple mortgage payments from external accounts. The daily limit on payments should be no less than 200% of the full mortgage balance due for each customer. Right now, I can only pay half of my full mortgage balance with the daily payment limit. The app needs to he able to provide detailed real time information to customers as well. Seriously considering taking my business elsewhere. With all the problems USPS is having, MCU needs to make electronic mortgage payments easy and efficient for its customers.

If your into what usually seems like unnecessary and always time consuming computer glitches. And to add insult to injury 99 out of a 100 times you can always look forward to receiving just plan ol RUDE CUSTOMER SERVICE while trying to rectify whatever your issue of the day may be. So if that’s what you looking for then MCU is the perfect place to transact your business. I promise you this is no lie or exaggeration, I was put on hold by MCU’s automated system for a total of 43 in a half minutes yesterday until I finally hung up out of frustration and tiredness being that I had just come home from a 16 hr double shift at my job. And the most frustrating thing about the whole situation was that all I was trying to accomplish, was to get verification that MCU was indeed my banking institution so that I could have my money transferred from MCU to my Apple Pay account, because for whatsoever reason whenever apple would send the verification link through their automated system MCU wouldn’t respond,which is why I made the effort to do it manually, which was a wast of 45 mins of my life that I can never get back. And why I feel TERRIBLE SERVICE is all you get at MCU and the 1 star im about to give them is only because this review won’t process without at least 1 star being given. My true star rating for NYMCU would have to be a negative 5 stars without a doubt

Absolute GARBAGE! Although the refreshed user interface and added functionality are welcomed upgrades, it seems as if the developers never tested the software. This program application is clearly still in the beta testing stages as simple functions are either not working or do not remain after you log out and back in again. For example, after renaming my accounts to make them more easily identifiable at a glance, the applied “nickname” reverts back to the default “mortgage” name. Also when I log in I get a 404 error page upon start up.

Lastly, I’ve been requesting MCU to provide electronic account statements for over 10 years! The good folks in the mortgagee department told me it’s not possible and MCU is working to bring this option to the membership. Finally it’s available through this half baked online web based and mobile application. I’m not surprised that this is what MCU has produced. My expectations are very low for MCU. The only thing that MCU has going for it are the low interest rates and the kind folks in the Mortage department. Apparently even the staffing in the mortgage department is changing so I’m not sure how much longer that department will be reliable. Thankfully I’ll be done paying my mortgages in a few years. I’ve been a MCU member for over 20 years…MCU…at some point you must do better!