UMCU Mobile Banking

24/7 access to your UMCU account, make deposits, login with Touch ID, and more.

University of Michigan Credit Union · com.softek.ofxclmobile.universityofmichigancu

Not rated yet 50K+ downloads v4.39.153 84.6 MB Android 9+ PEGI 3 · Everyone

Download APK 84.6 MB All versions

Same certificate as the 2 other versions checked Details

At a glance

Latest version: v4.39.153 (8319899)
Updated: Jan 8, 2025 (1 year ago)
APK size: 84.6 MB
Requires: Android 9+ (API 28)
CPU support: x86 32-bit, x86 64-bit, ARM (legacy), ARM 32-bit, ARM 64-bit
Category: Finance (app)
Listed since: Jan 17, 2021 (at least)
Permissions: 18 (4 sensitive)
Website: umcu.org
Developer contact: [email protected]
Privacy: Developer's privacy policy

About this APK

UMCU Mobile Banking is an app by University of Michigan Credit Union in the Finance category, listed since at least January 2021. It includes native code for x86 32-bit, x86 64-bit, ARM (legacy), ARM 32-bit and ARM 64-bit, so it runs on practically every phone.

Since version 4.39.150, the APK grew from 60.4 MB to 84.6 MB and the minimum Android version rose from 6.0 to 9. It asks for 18 permissions, 4 of them sensitive, including precise location, camera and approximate location. It asks for the same permissions as version 4.39.151.

What's new in v4.39.153

Enhanced authentication support Bug fixes UI improvements

Description

From the listing uploaded by “appupdater”.

Enhance your mobile banking experience with UMCU’s Mobile App. With 24/7 self-service options, you can manage your accounts, deposit checks, initiate wire transfers, open new share savings accounts, and so much more. Features: Single Login Access to All Accounts Open New Share Savings Accounts Multi-factor Authentication Push Notifications SMS Alerts Secure Messaging with a UMCU Representative Locate ATMs and Branches View Rates Add External Account Insured by NCUA Bill Pay Payment Service Agreement: https://www.umcu.org/umcu/media/Documents/Bill-Pay-Payment-Service-Agreement.pdf Electronic Fund Transfer Agreement: https://www.umcu.org/umcu/media/Documents/Electronic-Fund-Transfer-Agreement-Disclosure.pdf Online Banking Services Agreement: https://www.umcu.org/umcu/media/Documents/Online-Banking-Services-Agreement.pdf Our current members may be eligible to apply for loans with University of Michigan Credit Union. Please review the following to understand our lending information, and make sure to check https://www.umcu.org/Resources/Rates for the latest rate information. Our My Choice Loans have a minimum repayment period of 12 months and a maximum repayment period of 60 months. Fixed rate, and with loan amounts up to $50,000, the Maximum Annual Percentage Rate (APR) for a personal loan is 15.75%. Not all applicants may qualify for the most favorable rates or the highest possible loan amounts. Approval and actual loan terms depend on credit union membership history and credit risk evaluations (including responsible credit history, debt-to-income information, and availability of collateral). Highly qualified applicants may be offered higher loan amounts and/or lower APRs. Personal loans may not be used for college or post-college education expenses, business or commercial purposes, buying crypto or other speculative investments, gambling, or illegal purposes. Active-duty military, their spouses or dependents covered by the Military Lending Act may not pledge a vehicle as collateral. Please review our loan cost example below: Consider a loan where the borrower receives $10,000 at an APR of 15.75% over 48 months. The borrower would repay $282.12 every month. The total amount paid for the loan would be $13,541.76. Actual loan terms may vary and depend on the prospective borrower’s credit profile, debts, income, membership history, etc. Some of our loan options are intended for consolidating existing debts into a single loan. When consolidating existing debts or refinancing an existing loan, total finance charges and money owed over the period of the new loan may be more than the existing debt due to longer terms or higher interest rates.

Version history

3 versions are listed, going back to v4.39.150. Since v4.39.151 it requires Android 9+.

v4.39.153 LATEST Jan 8, 2025 84.6 MB TRUSTED v4.39.151 Sep 11, 2024 84.6 MB TRUSTED v4.39.150 Jun 12, 2024 60.4 MB TRUSTED

All 3 versions

Security & authenticity

Security rating: Trusted

Signing certificate

Certificate issued to “Access Softek Inc” The developer's name — though anyone can put any name in a certificate.
Same certificate as the 2 other versions checked

Store checks and file details

Developer signature under review Apr 1, 2026
Signed byO=Access Softek Inc
Signing certificate (SHA-1)71:65:05:E0:99:5A:C4:B9:90:FC:91:F4:FA:1E:F2:FE:E6:1D:6A:BA
File MD55786602a6069325954f43e4607536691
Uploaded by “appupdater” Gold tier · 117,810 followers · uploading since 2020

Scans and ratings come from the source store; the certificate comparisons are AAPKs's own, made from the files' published signatures (2 other versions compared). AAPKs doesn't scan files itself — compare the MD5 and signer after downloading.

Permissions (18)

UMCU Mobile Banking requests 18 permissions, 4 of them sensitive.

Approximate location Sensitive android.permission.ACCESS_COARSE_LOCATION
Camera Sensitive android.permission.CAMERA
Modify shared storage Sensitive android.permission.WRITE_EXTERNAL_STORAGE
Precise location Sensitive android.permission.ACCESS_FINE_LOCATION
Context write use app feature survey (custom) com.samsung.android.providers.context.permission.WRITE_USE_APP_FEATURE_SURVEY
Control vibration android.permission.VIBRATE
Full network access android.permission.INTERNET
Google Play install referrer com.google.android.finsky.permission.BIND_GET_INSTALL_REFERRER_SERVICE
Prevent the device from sleeping android.permission.WAKE_LOCK
Read Google service settings com.google.android.providers.gsf.permission.READ_GSERVICES
Receive push notifications com.google.android.c2dm.permission.RECEIVE
Run at startup android.permission.RECEIVE_BOOT_COMPLETED
Run foreground services android.permission.FOREGROUND_SERVICE
Show notifications android.permission.POST_NOTIFICATIONS
Use biometric hardware android.permission.USE_BIOMETRIC
Use fingerprint hardware android.permission.USE_FINGERPRINT
View Wi-Fi connections android.permission.ACCESS_WIFI_STATE
View network connections android.permission.ACCESS_NETWORK_STATE

Required hardware & features

Basic touch input android.hardware.faketouch
Landscape screen android.hardware.screen.landscape
Portrait screen android.hardware.screen.portrait
Wi-Fi android.hardware.wifi

UMCU Mobile Banking APK: questions and answers

Is there a version of UMCU Mobile Banking for older Android phones?

The current version needs Android 9 or later. Version 4.39.150 is the newest listed build that installs on Android 6.0 and later. It is an old build: apps that rely on online services may no longer connect when they are this old. Get version 4.39.150 · All versions

Can I install this APK over the version I already have?

Only if it is signed with the same certificate as the copy on your phone and isn't an older version. If Android says “App not installed”, the certificates differ; uninstalling your copy first works but deletes its data unless it is backed up.

Is the UMCU Mobile Banking APK safe?

No one can promise that a file is safe, but some things can be checked. The source store rates this file Trusted. It is signed with the same certificate as the 2 other versions checked. After downloading, check that the file's MD5 is 5786602a6069325954f43e4607536691.