Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
The verdict on

CFCU Mobile

35
User verdict / 100 High confidence In trouble

The CFCU Mobile app is currently experiencing significant technical issues, including frequent crashes, login problems, and limited functionality, which contradict the developer's claims of an improved experience, despite many users praising the credit union's in-person customer service.

4.9★ lifetime (11,559) Free to download since 2015 by COMMUNICATION FEDERAL CREDIT UNION updated 0.5 mo ago recent negative 24% 120 reviews across 1 regions
App Performance Login & Security Customer Service Mobile Deposit Limited Functionality Maintenance & Downtime
5★110
4★12
3★9
2★11
1★31
recent reviews across 1 regions, vs the 4.9★ lifetime average

Recent reviews for the CFCU Mobile app indicate a sharp decline in user satisfaction due to persistent technical problems, such as login failures, app crashes, and limited features. While the credit union itself receives high praise for its customer service, the mobile app is widely criticized as unusable and a downgrade from previous versions. The developer's recent update notes claim improvements to core features, but user feedback directly contradicts these assertions.

What users like

  • Many users praise the credit union's excellent customer service and friendly staff in branches and over the phone.R3R6R9R12
  • Some users find the app easy to use and convenient for banking on the go.R4R5R7R17
  • The credit union offers good interest rates for loans and various account benefits.R3R24R48R61

What users complain about

  • The app frequently fails to load, crashes, or logs users out, making it unreliable.R19R100R106R113
  • Users report persistent login issues, including being locked out, endless security question loops, and biometric security failures.R2R97R102R137
  • Mobile deposit functionality is often problematic, with checks not clearing quickly, deposit limits, or errors preventing deposits.R1R42R75R114
  • The app has limited functionality, lacking features like viewing interest rates, total account balances, detailed transaction history, or statements.R11R23R98R107
  • The app is frequently under maintenance, often during normal business hours, preventing access to accounts.R19R59R131
  • Some users report issues with bill payment and transfers, including inability to pay bills or transfer between certain accounts.R41R53R55R116
  • The recent update is widely seen as a downgrade, with users preferring the old app and experiencing more problems.R137R145R148R153

Latest update · v4021.2.0

What the developer says changed (the verdict above weighs this against what reviewers report):

Our new experience provides easier access to the features you use most while on the go. This new version includes updates to the accounts, mobile deposit and navigation experience.

Recurring themes

App Performance negative
Many users report the app is slow, constantly crashes, or simply 'never works' when needed. This includes issues with loading screens and general responsiveness. The developer's notes claim an 'easier access' experience, but reviews contradict this with reports of frequent malfunctions.R10R19R100R113
Login & Security negative
A prevalent issue is the inability to log in, with users frequently locked out, forced into endless security question loops, or having biometric security fail. Updates often drop credentials. This directly contradicts the notion of 'easier access' in the release notes.R2R97R102R137
Mobile Deposit negative
Users experience problems with mobile deposits, including slow clearing times (2-3 days for certified checks), low deposit limits ($10K per 24hrs), and the app failing to read checks or process moneygram deposits. The developer's notes mention updates to mobile deposit, but user experience is still poor.R1R42R75R114
Limited Functionality negative
Many reviewers find the app's features too basic, lacking options to view interest rates, see a total of all accounts, access statements, or manage account settings beyond basic transactions. The app often directs users to call the bank for tasks.R11R23R98R107
Maintenance & Downtime negative
The app is frequently unavailable due to maintenance, which users report often occurs during normal business hours, causing frustration and preventing access to funds.R19R59R131
Customer Service positive
Despite app issues, numerous users consistently praise the credit union's staff for being friendly, helpful, professional, and providing excellent service in branches and over the phone. This positive sentiment for the bank itself contrasts sharply with the app's performance.R3R6R9R12

Who it's for

This app is for users who prioritize excellent in-person or phone customer service from their credit union over a functional mobile banking experience R9R24. It is NOT for users who rely heavily on mobile banking for daily transactions, bill payments, or quick account access, as the app is frequently reported as unreliable and difficult to use R19R41R124.

Evidence note: The recent reviews skew heavily negative regarding the app's functionality, directly contradicting the positive lifetime rating. The developer's notes for the latest update claim improvements, but recent user feedback indicates a significant degradation in the app's performance and usability, suggesting the update either failed to address issues or introduced new ones.

Frequently asked

What are the main problems with the CFCU Mobile app?
The main problems with the CFCU Mobile app include frequent crashes, persistent login issues, unreliable mobile deposit functionality, limited features compared to other banking apps, and frequent maintenance downtime, often during business hours R19R100R124R129.
Does the CFCU Mobile app support biometric login?
While the app reportedly has biometric security, users frequently encounter issues where they are still required to enter passwords multiple times a week, often needing to reset them, indicating the biometric feature is not consistently reliable R2.
What are the limits for mobile check deposits?
Mobile check deposits have a limit of $10,000 per 24 hours, and funds, even from certified cashier's checks, can take 2-3 days to clear R1.
Has the recent update improved the app's performance?
Despite developer notes claiming an improved experience, many recent reviews indicate the latest update has made the app worse, with users reporting more frequent crashes, login problems, and a preference for the old version R137R145R153R158.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R3] 5/5 · US Me encanta: Excelente Federal Credit Union. Excelentes intereses para cualquier préstamo, su personal siempre es amable
  2. [R6] 5/5 · US Outstanding: Great service
  3. [R9] 5/5 · US Only the Best Credit Union in Norman!!: The best customer service. Each staffer works hard to provide excellent service with a smile. If you’re looking for a Credit Union run, don’t walk to CFCU.
  4. [R12] 5/5 · US Credit union on I-35 and 15th Edmond Okla: They are always friendly and helpful, help me so much over the years, started member as new employee with Southwestern Bell. Good job guys!
  5. [R4] 5/5 · US Mobile App: The CFCU mobile is easy to use and always up to date. I don’t ever have any issues getting into my account and seeing transactions. I love CFCU!
  6. [R5] 5/5 · US CFCU: I love the app. It is very easy to use.
  7. [R7] 5/5 · US Convenient: Love the convenience!
  8. [R17] 5/5 · US User friendly: This app is very user friendly. I’ve never had any issues with any transaction.
  9. [R24] 5/5 · US Best bank around !: Great customer service friendly people always very warm and welcoming, when talking to them on the phone as well as in person, I’ve never been let down! To the interest rates and the best loans around. you can’t beat communication Fredo credit union!
  10. [R48] 5/5 · US Live the customer service!: We have done business with communication, federal credit Union for many years, and I’ve always been very pleased with rates on loans, customer service, and all things related to banking!
  11. [R61] 5/5 · US The BEST: I absolutely love this bank for account with dividend payouts to customer service and all my loan needs. It’s the Best!
  12. [R19] 1/5 · US Never works: This app never loads when needed. Worse off, they CONSTANTLY due maintenance during normal hours and not over night when no one uses it. GREAT credit union, app is trash.
  13. [R100] 1/5 · US Keeps force closing: After the last update - it keeps force closing! Soooo frustrating. I have the latest update on everything. Tried to go to the website and it lists an old phone number so I can’t get in that way. Every time I call I’m on hold. I can’t wait to pay off this car so I don’t have to deal with this bank ever again :(
  14. [R106] 1/5 · US The app is the worst.: Countless issues trying to access my bank info with the app. I’ve called and no one is fixing it. I’ve almost had it with this bank. Error after error is getting old.
  15. [R113] 1/5 · US Too slow: This app takes way too long to open and load. Please fix this.
  16. [R2] 1/5 · US Trash: Worst bank app I’ve ever had has biometric security but 3 times a week I have enter the password which 75% of the time I have to reset it
  17. [R97] 2/5 · US Please fix this issue!: In this day and age, one would think that two joint holders of an account would have the same access. However, this app is set up so that only one phone number can receive the verification code that is required nearly every time if you aren’t the ONLY phone number they allow on the app’s account. Many times, my husband and I aren’t on the same schedule due to him working sw
  18. [R102] 3/5 · US Login Issue After App Update: The app ALWAYS drops credentials after updating. This is very annoying, and appears to have been going on for over a year based on other reviews. Fix it!
  19. [R137] 1/5 · US Go back to the old app!: This new version they rolled out abt a year ago is AWFUL!! I HATE it. The other version was so much simpler to use & I could access my accounts so much faster. I'm all for bank security, but having to play 20 Questions every. Single. Time. I need to log into my account FROM THE EXACT SAME DEVICE is annoying. I'm thinking of switching banks because of the app. I'm a busy pe
  20. [R1] 4/5 · US Mobile Deposit: I Would rate a 5 if the mobile deposits cleared the funds far faster. A certified cashiers check shouldn’t take 2-3 days to clear. When you balance is over $40k. Why is there any wait time at all? The other thing that sucks is a $10K per 24hrs mobile deposit limit.
  21. [R42] 5/5 · US Fix the mobile deposit.: Mobile deposit for checks isn’t working. Keeps saying it can’t read the numbers.
  22. [R75] 5/5 · US App review: This app is problematic for me. I’ve deleted and several times since February 23, when my problem was apparent. I cannot get auto nor manual capture to read the images for deposits.Apple support didn’t detect any issues with my iPhone. The app worked in early February without any problems for deposits.
  23. [R114] 1/5 · US Mobile Deposit: I don’t know what changed, but I can no longer deposit moneygram “checks” from my renters. Now it always says there is an error and I have to take it to the bank.
  24. [R11] 3/5 · US Good service with a few recommendations: Please make the interest rates for the various types of accounts viewable in the mobile app. Also it would be nice to see a totalized amount of all accounts. I am always having to ask Siri to add up my 4 accounts to get a total amount I have in CFCU. The games required to get the performance checking rate is annoying. I am starting to just use SGOV and VBIL
  25. [R23] 3/5 · US Limited: The app could improve by allowing more account management things to be done instead of being informed to contact someone.
  26. [R98] 2/5 · US Disappointed with the app and online desktop platform: I just switched banks and now I wished I hadn’t. This app is very limited. Basically it’s a list of transactions. It doesn’t keep a running balance after each transaction. I also have deposit text notifications set and my payroll deposits are available on Friday mornings but I don’t get a text notification until midnight Friday.
  27. [R107] 2/5 · US Not enough information available: I want to get my statements but that isn’t an option on the app. I can see activity but not much else on it is useful.
  28. [R59] 2/5 · US Why is it always under maintenance?: The bank itself is great, and I never have to worry about my bills being paid on time, however, constantly, the app is under maintenance. Every two to three weeks, I cannot access my money for the entire day and it is incredibly frustrating. Please, figure it out.
  29. [R131] 2/5 · US Could Be Good: While the app is handy, it's only handy when it's actually working. I try to log into it and it seems like every time it gives me an error. After 9 at night you might as well not even try. It MAY work through out the day before then. The features are nice but the inability to use the app makes it annoying.
  30. [R41] 1/5 · US Still unable to pay bills: Since the last upgrade, I’ve been unable to use the app to pay my credit card bill or to make transfers between my other accounts except for primary checking/saving. Everything I want to do I have to call the bank and have them do it. Frustrating.
  31. [R53] 4/5 · US Can’t Pay Bill with New Update: I am trying to pay the loan off of my vehicle, but when I try and choose the date outside of the current day I’m writing this review, it does not prompt the calendar correctly. Basically, I have to pay during banking hours to ensure the transaction is made on the due date *during* banking hours or use a computer (which not everyone has) to pay the bill.
  32. [R55] 4/5 · US Pretty good: Only having a problem transferring funds. It prompts me to choose a different date, but the drop down menu/option is blank. Please help!
  33. [R116] 2/5 · US It’s pretty easy but.....: I like the app and it’s pretty simple to use except it won’t take me to the payment page. It will ask me for my password and then take me to an agreement page and then bring up a message that states. Unable to process your request at this time please try again later. I’ve had this app for a couple of days and each day all day long it tells me this. still unable to make a
  34. [R145] 2/5 · US Disappointing update 😔: I was extremely disappointed by the new update. I was expecting: - touch id login - apple pay support for my debit card - faster mobile deposit Instead we got the opposite. Now it says it takes two business days to post to my account, before it would post the same day before a certain time! Thinking about switching banks now because the last one was so convenient they kin
  35. [R148] 1/5 · US Great at first but not anymore!: This new app worked fine when I first used it, but now I can't even log in! All my information is correct, but it says that it can't confirm it! This is ridiculous! I can't even login online! The old app worked fine! Why change it?
  36. [R153] 1/5 · US App never works: I will Set aside how difficult is was for set up to even use this app. Now that I am set up with my login, the app never works!! I login correctly and log out correctly and when I come back to the app it ALWAYS gives me an error. I have to delete the app and reload the app to just log in!!!! Sooooo frustrating!!! Fix this app NOW!!! The old app was user friendly and this is not us
  37. [R10] 2/5 · US App performs terribly and is slow: The application performs terribly and is slow when trying to transfer money from or even just look at my balance, it takes forever
  38. [R124] 1/5 · US Terrible: It’s serviceable when it works but so often malfunctions. Extremely close to switching banks due to this problem alone. Update on this app still terrible and now switching banks. What a shame since I’ve been a member for so many years.
  39. [R129] 1/5 · US Poor: I have been with communication for many, many years and am seriously considering switching banks. I love the mobile applications that prevent me from having to drive to a branch since I don’t have one nearby, but the features like mobile check deposit literally never work for me. I have used it on multiple occasions and have had to try at least 4 to 5 times to have my checks go through. I ha
  40. [R158] 1/5 · US Why fix something that isn't broken?: Agreeing with the other negative reviews. This app is not good at all. I've been with cfcu for 10 years and the previous version was perfect. This app is horrible. I have had to call in to their dedicated customer service line numerous times since launch. The app finds a way to freeze and lock your account even if you follow instructions and do your homework.

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store