WECU Mobile

As a homeless person, opening a new bank account was beset with difficulties. The tellers at WECU literally sneered at me and turned up their noses, but the banker who opened my accounts was very helpful… right up until the credit union had my money. I’ve had cause to reach out twice with questions since then, and WECU hasn’t condescended to even acknowledge receipt, much less provide clarity or answers. It’s nice to have a local bank in case I need to visit a branch (upon which I will be sneered at by the same credit union that advertises its community support of the homeless), but in reality WECU is really no different than any corporate bank in how it treats customers. The app is ok, but certainly nothing special. “Early pay” is a joke as WECU holds your funds for almost a full business day to guarantee your money works for them before allowing you to access it. Their points system is next to worthless, relying mostly on increased debt to WECU to offer rewards. But the type of accounts they offer do provide better returns than most banks provide. This isn’t your mom’s credit union. Community service is largely performative. If you have accounts with any bank that has local branches, there is no compelling reason to choose WECU. I’m happy enough as a customer as ALL banks treat poor people like dirt, but I expected more from WECU based on their own PR.

This app is great except for when it comes to mobile deposits — it often crashes during a mobile deposit. I’ve had it happen on multiple occasions, the app will crash which then logs you out. After logging back in and attempting the deposit again the same thing will happen. The only work around I’ve found is trying again another day. When it works it works but when it doesn’t, it really doesn’t.