About - Aspire Federal Credit Union

Overall Feedback:

TL;DR: Good for loans (auto, personal, etc.), horrible for banking. Over the past few years, my banking experience with Aspire FCU has not been a great experience - mainly because of their SUPER tight restrictions with their mobile check deposit. I have encountered many issues with depositing a check via the mobile app and because it's not endorsed correctly, they reverse it out of my account or if the date is wrong, they reject and reverse the deposit out of my account. Out of the many financial institutions I hold a checking account with, this credit union is the only one that I have experienced these type of issues with. Just last night, I deposited a check via the mobile app dated 7/25, but because the actual picture deposit transaction happened on 7/24, on 7/25 they reviewed, rejected and reversed the deposit back out because it has the date 7/25 and not 7/24 or earlier. I think that is crazy! When it came to endorsing the back of checks, in the past, because I didnt specifically write "For mobile deposit to Aspire FCU" - if I write "For Deposit Only" - not including "mobile" or simply endorsing the check with my signature, it will get reversed out of the account. Another super tight rule that I have not experienced with other banks. Their ePower checking account recently had changes too. If you dont use your debit card at least once a month, they will charge you a monthly fee. This went into effect in June and this month (July) I was charged a service fee. I have since closed my checking being that (1) I don't live close to the credit union any longer and it was an account that I used to pay one bill a month to keep it active, (2) it has become more inconvenient than easy to do banking with this credit union over the past few years - every other bank uses Zelle, they still use PopMoney. They aren't even keeping pace with the mobile and transactional features other credit union and banks offer to make banking on the go easier and more convenient. As for the mobile check deposit issue, I understand that regulations has prompted Aspire to enact new rules around mobile check deposit, but out of my other institutions, Aspire has been extremely strict and is the only one that has rejected/reversed checks because of the reasons mentioned above. I will now only use them for loans as I have never had any issues with those type of products and their rates are competitive.