Redstone Federal Credit Union

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Let me first say that I really like having a mobile banking app and this app is generally a good app. I would have rated it 4 stars except for the annoying and abusive use of the messages and notifications capabilities of this app by REDFCU. REDFCU sends a cash back message for vendors that partner with REDFCU for cash back offers. To qualify for cash back a user must add the vendor offer to one’s account in the cash back screen. That is perfectly reasonable. However, users are unable to turn off the notification which means users that aren’t interested in the vendors offering cash back receive a useless, annoying, and unnecessarily disruptive badge notice on the app icon and message indication within the app. Just viewing the list of available messages doesn’t clear the notification (unlike all other message notifications). Instead, the user has to open the cash back offer screen in order to clear the message indication. It is this extra step that I find offensive. REDFCU has taken an intentional and abusive step to force users to perform a useless task purely for corporate greed. Please use the same work flow for cash back offers as all other message notifications or, even better, allow users to disable that notification completely.

All the features and ease of use are fantastic!!!! I especially love all the different text alerts I can set for myself. I get a text for every ATM withdrawal and Visa card transactions when the physical card was not used. This is such an easy way to track my bank accounts and credit cards in real time without doing anything other than looking at a text. This feature would have alerted my daughter of fraud on her account if she had known to turn it on. Also, this app is far more powerful and useful than what my wife and daughter have at their “popular” banks. Finally, I have never written an online review but this is too good to keep to myself.

I use the app daily. Balance inquiries. Paying daddy sharks, momma sharks, baby sharks, loan sharks... Making mobile deposits. I get confused when I have to go into a bank and interact with tellers. I wish I could upload a picture of me being confused at the bank but this is a text-only review. Just imagine a former Alabama’s kicker at his Inacura dealership when he’s not invited to his own sister’s wedding. Anyway, this app makes up for almost all of my millennial deficiencies 99% of the time EVERY TIME! I just wish there were mini-games to earn more “US dollars” or whatever the currency is on the RFCU app. Getting low.

Injects ‘offer’ alerts into app messages that ONLY go away by clicking on the fake alert. Nothing like having personal banking alerts mixed with FAKE alerts that ‘you have new offers to activate!’... Even then the ‘Offer’ alert moves from the message menu to the parent menu, with more alert tags to get users to click it again. You think you may have a legit account problem when seeing the number of RED Alert badges, when its just deceptive ‘Offer’ spam. Redstone has always been a good credit union with great services, but suffers from questionable third party practices. Best to totally disable Redstone’s app badges since they can’t be trusted to give legit account messages.

I’ve been a member of the Redstone Federal Credit Union for over 30 years now. I have been using the app for quite a few years now and I have to say that next to the Vanguard mutual fund app, this app is the best one I use. The functions work consistently, the updates make it better when it needs to be better, and we don’t have any major problems with it. I decided that I should write a review about our credit unions app because I’ve had trouble with so many other financial apps that just don’t work right. Kudos to Redstone IT department.