VACU Mobile 4+

Terrible

This is honestly one of the worst apps I have ever used. We have a car loan, do not wish to enroll in automatic payments bc we like to pay early. When we went to submit it said if we pay now, a second payment would STILL be deducted on the pay date. What? Why can’t I just make a one time payment early? We could not figure out how to unenroll and my husband had to go to the bank to do it.
We then wanted to make a one time payment on our loan and the only option we could find was to enroll back into the automatic payments. Why can’t we just make a one time payment through the app without enrolling in auto draft?? My husband has had to physically go to the bank the last two months to make a payment. If there is a way, it’s not at ALL user friendly or easy to find.
I can’t think of a single app that operates in this way. It’s highly inefficient and extremely time consuming to have to go to the physical location to pay every month. Please make it better!

Bring back the old app

I’ve been a satisfied customer of VACU for a long time now, but the new, “upgraded” VACU app is a downgrade in every single conceivable way. I have no idea what on earth would possess them to roll out this new app.

First, appearance: the new app looks like a website from 2008. The text is way too small, and everything feels very… angular, for lack of a better word.

APPS AREN’T MEANT TO BE WEBSITES! If I wanted to use the website, I’d just log on in my browser!

Second, functionality: this is where the new app sincerely disappoints. On the old app, I could see my credit card balance and transfer the appropriate funds in like 2 clicks. It took me FOREVER to figure out how to pay my balance in the new app, and I only finally figured it out because one of their “hints” popped up at the top of the screen that detailed the ridiculously unintuitive way to make the transfer.

(Now you have to hit menu > transfers and payments > credit card and loan payments > then enter the information > submit. That may not seem like a lot, but it’s not intuitive and I probably would have never figured it out if not for the “hint” that appeared.)

I sincerely HATE the new app. I am sorry to whomever designed it, because I’m sure it took some time, but I just cannot understand why they would create an objectively worse user experience when the previous one was fine.

Developer Response ,

Hello, Breanna. Thank you for your membership and your feedback. We are committed to improving members’ experience and will make sure your feedback is considered as we continue to improve the app.

App Is Unusable

Everything about this app change has made banking with VACU worse. It’s harder to find information, harder to move money between accounts, and by far the worst - essentially impossible to see what’s going on with your account. The available balance and current balance almost NEVER match the actual transactions displayed in the accounts, and things come out in a different order (sometimes by days) than they are displayed to the user in the app. This situation caused me to accidentally overdraft and I had to argue with a manager for an hour and threaten to file a complaint with screen shots proving my point before the charges were reversed “as a courtesy”. I have been a customer of VACU for something on the order of twenty years and for the first time I am STRONGLY considering taking my business elsewhere.