SDFCU Digital Banking 4+

I use it a lot and love it mostly. My big complaint is the day or two delay between making a Bill Pay payment and a reduction in the account balance (when the bill pay also disappears making it difficult to see current account balance and pending debits.)

Let me say up front that I like SDFCU as an institution. My problems relate solely to their app, which is sourced from a vendor. Obviously, the State Department has numerous overseas customers. We travel frequently, so access through a web page is no always a good option, and the app is essential. Twice this year, in July 2020 and now, the vendor has attempted to program “enhancements” to the app which has resulted in total loss of service to some overseas users. The first time, service was disrupted for nearly a month. Then, after fixing the problem, there was about a month of usability until, about a week ago, service was again interrupted. The vendor’s approach to these issues has been to first request information from the customer on a variety of technical points: IP address, device, OS, etc., which are completely reasonable. However, after obtaining the information, there has been no explanation or response. At present, the app is unusable and untrustworthy, which seriously and negatively impacts my SDFCU experience.

SDFCU use to be a favorite but as of the past few years (been a member since the 90’s) the services have declined tremendously. Their Zelle is always failing, so it no use to have it setup it since it is unusable. Checking account ACH withdrawals lend for way to long and shows inaccurate account balance to its members How can you have items pending and the available balance are the same Current should be balance including with a pending not same as available balance - with items showing as pending- this is so inaccurate!

Every withdrawal triggers a security alert -causing account to lock - but no one Service Rep can change the settings including the Member to reduce alerts!

Customer Service rep spent 45min of my time talking about his personal business verse solving my issue.