on line and phone banking today

on line banking with phone. I got a new phone why I was on vacation for the Jewish holidays
I have a app from one of my banks to make on line banking faster. Main reason when I get a check from some one I can take a photo of the check and it get deposit right away if I mail the check in . It takes like two weeks for it to get deposit . Why does it take so long because I live in a other state and this credit union does not have any offices in the state I have . This is the longest bank account I ever had. but with the new phone I am trying to use the app to check the my bank balance . It will not let me in it keep saying I have a outstanding pin which I can not find on my old phone or emails . This app is very important because it helps me with my budget. I use this account now for savings and fun things to do so I like to put money away as fast as possible . Yes I can still check my bank information the old way by going on line and seeing what the balance is but I can not deposit checks that way. I guess I double check my email soon and see if there some pin number there from my bank.well credit union.b
why do I use credits unions ? they rally have no fees on min needed if your low income or if you do not want to carry a heavy balance of money you can not use.today comercal banks charge fees for every thing including talking to a teller or making a phone call to find your bank information
this is no joke I know some one who had this problem . They now are using a credit union to. yes if you bounce a check their is a fee but it still a lower cost then bouncing a check at a commercial bank. Which I do not do that bounce a check the cost can rally get out of hand if you have a lot of transactions going on.this is why I check my bank information every day so I can see that every thing is OK .Now when I am done with this post I check my email again to see if that pin number any were.