Landmark Credit Union Mobile

First Impression

I downloaded this app on a Tuesday night because my old banking app had just updated and started pushing a “premium” tier. I was annoyed. My first thought opening Landmark’s app was how clean it looked. My checking and savings balances were right there, no ads, no upsells. I set up Face ID login on my iPhone 15 Pro in about ten seconds, which felt secure and way easier than typing a password. I remember poking around the menu that first night, a little skeptical that anything truly useful would be free. I found the mobile deposit feature right away and thought, “Okay, let’s see if this actually works.”

What It Does Well

This app nails the everyday stuff. Mobile check deposit is a lifesaver. Last month, my mom mailed me a birthday check. I was at the grocery store when I remembered it was in my wallet. I sat in the parking lot, opened the app, took the pictures, and the money was pending before I even finished my shopping. Bill pay is just as simple. I have my car payment and electric bill set up. Adding a new payee, like my internet company, took less time than finding my laptop. The ATM locator is smarter than I expected. I was visiting my sister in Madison and it not only showed me the nearest free ATMs, but also which ones were in a specific grocery chain I was headed to. The little spending tracker in the “More” section is a nice bonus. It’s not fancy, but seeing a pie chart of where my money went last month helped me realize I was spending way too much on coffee.

Where It Falls Short

It’s not perfect. My biggest gripe is finding old statements. I needed my February statement for a loan application back in April. I tapped on my account, looked under every “Details” or “History” tab I could find. Nothing. I ended up having to dig through the main menu to a section just called “Documents.” It was there, but it felt hidden. Also, the app really hates a spotty connection. I was trying to transfer $20 to my savings while waiting for a train in a dead zone downtown, and it just spun until I gave up. You need solid wifi or data for everything. Once every few months, an update will log me out completely, which is a minor hassle.

Is It Worth the Price?

It’s free, so for a cheapskate like me, that’s the biggest win. There are zero subscription fees or “pro” features locked behind a paywall. I’ve used it for over a year and haven’t paid a cent for the app itself. You’re still subject to your account’s normal fees, like overdrafts, but the app doesn’t add any. For the convenience of ditching branch visits for deposits and bills, the value is insane. It does what I need without trying to sell me anything else.

Developer & Support

I’ve never had to call support, which is a good sign. The app just works. Looking at the App Store reviews, other people seem to have decent experiences when they do reach out. The developers update the app regularly, maybe once every month or two. The update notes are usually honest, saying things like “fixed login issue” or “improved deposit experience.” I have auto-update on, so it happens in the background. It feels like they’re maintaining it, not just letting it sit there.

Privacy & Safety

This is my main bank account, so security was my first worry. Using Face ID to log in makes me feel better than a password alone. Every time I open the app, it asks for my face or fingerprint. If I’m doing something sensitive, like a new wire transfer, it often asks for my password again as a second check. The app also has a way to instantly lock your debit card if you think you lost it, which I thankfully haven’t needed. I get a push notification for every transaction, which caught a suspicious $1 charge once (it was a gas station pre-auth). It feels as secure as I can expect a banking app to be.