Alabama CU - ACUmBranch‪℠‬ 4+

I wish this App also let you control your debit and credit cards. It would be helpful if this App allowed you to turn your cards off and on. For example your card is missing and you haven’t found it within an hour it would be great if you could have turned it off the minute you thought it was missing. If you find it no problem turn it back on if you don’t call ACU and have it replaced. You don’t have to worry that some one is using it.

I’ve had a Credit Card with ACU for 4.5 years. Perfect payment history, always on time. Decided to open a checking/savings account with them a few months ago, applied for another credit card and was declined. My credit score is in the mid 700’s and I have a perfect payment history with them and all my other credit cards.

A person did not look at my application…a computer generated response declined me a credit card. This is typical for conglomerate banks, but for a small Credit Union? I was shocked! Very disappointing and I was sent a text message on the ACU app to tell me the “Great News!”

Honestly, I cannot recommend this financial institution for One-on-One Customer Service, even as a customer with a 4.5 year good financial track record! They were very unaccommodating, to say the least. Discover and AmEx are sending me new cards as I type this. I just wanted a credit card from the place I bank with. Oh, well.

We are new to credit unions, so we needed help with a lot of things. New to Alabama, our finances were temporarily complicated, getting auto deposits changed, etc. We were in there at least weekly, for six weeks! Personnel in the Gulf Shores branch were patient, helpful, and laughing with us at our neediness! Kudos!

However, the online banking app is clumsy and hard to use, compared to the app used by my former bank. It is driving me nuts. I cannot easily see regular payments, and I have to scroll through the payment history in my accounts, to see the previous month payments, and in today’s world of no paper bills, I can’t easily repeat unchanging amounts. I suggest that ACU check out the system used by Armstrong Bank. It is worlds easier!