24/7 access to your UMCU account, make deposits, login with Touch ID, and more.
About UMCU Mobile Banking
UMCU Mobile Banking is a finance app developed by University of Michigan Credit Union.
Download Statistics
UMCU Mobile Banking has been downloaded 60 thousand times. In the last 30 days, the app was downloaded 310 times.
User Ratings
UMCU Mobile Banking is rated 3.61 out of 5 stars. The rating is based on 440 ratings.
App Information
UMCU Mobile Banking is FREE to download. The APK download size is 32.38 MB. The latest version available is 4.41.124. The last update was on August 13, 2025.
Technical Requirements
UMCU Mobile Banking requires Android 9.0+ or higher. The app has a content rating of Everyone. The app has been available on Google Play April 2013.
Description
Enhance your mobile banking experience with UMCU’s Mobile App. With 24/7 self-service options, you can manage your accounts, deposit checks, initiate wire transfers, open new share savings accounts, and so much more.
Features: Single Login Access to All Accounts Open New Share Savings Accounts Multi-factor Authentication Push Notifications SMS Alerts Secure Messaging with a UMCU Representative Locate ATMs and Branches View Rates Add External Account
Insured by NCUA
Bill Pay Payment Service Agreement: https://www.umcu.org/umcu/media/Documents/Bill-Pay-Payment-Service-Agreement.pdf
Electronic Fund Transfer Agreement: https://www.umcu.org/umcu/media/Documents/Electronic-Fund-Transfer-Agreement-Disclosure.pdf
Online Banking Services Agreement: https://www.umcu.org/umcu/media/Documents/Online-Banking-Services-Agreement.pdf Our current members may be eligible to apply for loans with University of Michigan Credit Union. Please review the following to understand our lending information, and make sure to check https://www.umcu.org/Resources/Rates for the latest rate information.
Our My Choice Loans have a minimum repayment period of 12 months and a maximum repayment period of 60 months. Fixed rate, and with loan amounts up to $50,000, the Maximum Annual Percentage Rate (APR) for a personal loan is 15.75%.
Not all applicants may qualify for the most favorable rates or the highest possible loan amounts. Approval and actual loan terms depend on credit union membership history and credit risk evaluations (including responsible credit history, debt-to-income information, and availability of collateral). Highly qualified applicants may be offered higher loan amounts and/or lower APRs. Personal loans may not be used for college or post-college education expenses, business or commercial purposes, buying crypto or other speculative investments, gambling, or illegal purposes. Active-duty military, their spouses or dependents covered by the Military Lending Act may not pledge a vehicle as collateral.
Please review our loan cost example below: Consider a loan where the borrower receives $10,000 at an APR of 15.75% over 48 months. The borrower would repay $282.12 every month. The total amount paid for the loan would be $13,541.76.
Actual loan terms may vary and depend on the prospective borrower’s credit profile, debts, income, membership history, etc.
Some of our loan options are intended for consolidating existing debts into a single loan. When consolidating existing debts or refinancing an existing loan, total finance charges and money owed over the period of the new loan may be more than the existing debt due to longer terms or higher interest rates.
Recent changes: Improved performance and bug fixes.
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It's a banking app, it does its purpose. I can transfer my money easily, I personally like the layout more than other banks, I'm definitely not upset with it, but it's not super amazing, really the only minor inconveniences I found is that I can't nickname my accounts, I don't have some of the same features that I have on a computer, like hiding accounts, and there isn't a number or email for customer service
★★★★★Bethanne Kelsey· Jun 23, 2020
I love this online banking app. It is very usre friendly even for an old lady like me! It saves me so many trips to the Credit Union!😊❤
★★★★★Carlos· Apr 2, 2021
An incredible amount of these negative reviews are made by people who DID NOT READ the large print that was on UMCU's site for WEEKS saying that they will be upgrading their online banking app and website.
★★★★★David Schaff· Mar 17, 2021
I've been using the app for years, and it works great for balance checks and transfers. Well done!
★☆☆☆☆B R· Mar 18, 2021
New update keeps saying my password is incorrect. I click "forgot password," and I put in last 4 SSN and account number, and it says I don't have an account. I log in via computer and my username doesn't have the correct picture. So I don't know what's going on right now.
★☆☆☆☆Alex Aquino· May 9, 2025
They took the option away to transfer money to other accounts that are also under umcu. I did this for bills that were under my wife's name, and now I have to go to the bank to do so. Inconvenient
★☆☆☆☆Mike M· Feb 26, 2024
Every company is out to take advantage of everyone they can. It is the new way to do business. Dishonesty and deception. Has become the new business common practice. University of Michigan Credit union, Is NO exception. Covid changed everything. Everything has doubled. Prices, Fees, and businesses taking advantage of everyone. Even companies that were once respectable. University of Michigan Credit Union is no exception to the new “Screw you over” business practices. I have been a longtime cu
★★☆☆☆Keith Austin· Feb 16, 2025
Mobile deposit STILL doesn't work. It can never find the check in the image. This has been going on for ~6 months now and it is absolutely ridiculous. Update your app to support Android 15.
Google Play Rankings for UMCU Mobile Banking
This app is not ranked
Technologies used by UMCU Mobile Banking
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