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

CNB Mobile Bank

65
User verdict / 100 High confidence Divided

The CNB Mobile Bank app receives mixed recent reviews, with many users praising its ease of use and helpful customer service, but a significant number expressing frustration with balance inaccuracies, login issues, and problems related to recent updates, including an increased iOS requirement.

4.8★ lifetime (26,771) Free to download since 2020 by City Holding Company updated 0.0 mo ago recent negative 21% 120 reviews across 1 regions
Balance Accuracy App Accessibility User Interface & Experience Login & Stability Customer Service Feature Functionality
5★94
4★7
3★5
2★7
1★21
recent reviews across 1 regions, vs the 4.8★ lifetime average

CNB Mobile Bank is a free finance app with a high lifetime rating, but recent reviews indicate a negative trajectory due to several technical issues and a perceived downgrade in functionality for some users. While many appreciate its convenience for basic banking tasks and the support from bank employees, others are experiencing critical problems with account accuracy and app accessibility.

What users like

  • Easy to use for basic banking tasks like mobile deposits and transfers.R4R7R13R14
  • Customer service and bank employees are highly praised for being helpful and friendly.R1R3R11R17
  • New app version is seen as an improvement by some, offering better navigation and customization.R40R101R102R103

What users complain about

  • App often displays incorrect or delayed account balances and transactions, leading to overdrafts.R15R28R29R33
  • Recent updates require a newer iOS version (iOS 16), making the app inaccessible for users with older phones.R23R30R31R32
  • Users experience frequent login issues, including being locked out, forced password changes, and difficulty accessing accounts.R75R82R96R97
  • Some users find the new app's interface less intuitive or prefer the old version's layout.R8R21R46R55
  • Problems with Zelle transactions, including inability to set up or delayed transfers.R22R79R97R131
  • Issues with bill pay functionality, such as payees not transferring after a bank merger or errors when trying to re-enter information.R10R51R92R109

Latest update · v3.36.0

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

Version 3.36.0 • Bug fixes and performance improvements

Recurring themes

Balance Accuracy negative
Many users report that the app's displayed balance is frequently inaccurate, showing incorrect amounts, delayed transactions, or transactions that disappear and reappear, leading to confusion and unexpected overdrafts.R15R28R29R33
App Accessibility negative
A significant number of users with older iPhones are unable to use the app due to a recent update requiring iOS 16, forcing them to purchase new devices or lose access.R23R30R31R32
Login & Stability negative
Users frequently report issues with logging into the app, including being locked out, needing to reset passwords often, or the app failing to open or function properly.R75R82R96R97
User Interface & Experience mixed
While some users praise the new app's modern look, ease of use, and customization options, others dislike the changes, finding the new layout less intuitive, harder to navigate, or preferring the old version.R8R21R40R46
Customer Service positive
Many reviews consistently highlight the excellent, helpful, and friendly service provided by City National Bank employees, both in branches and when assisting with app-related issues.R1R3R11R17
Feature Functionality negative
Specific features like Zelle transfers and bill pay are reported to have significant issues, including setup failures, delayed transactions, and problems with managing payees.R10R12R22R51

Who it's for

This app is for City National Bank customers who need a convenient way to perform basic banking tasks like mobile deposits and transfers, especially if they value strong customer service R4R7R17. It is NOT for users with older iPhone models (pre-iOS 16) as they will be unable to access the app R23R31. It may also not be suitable for users who rely heavily on accurate real-time balance updates or seamless Zelle and bill pay functionality, as these areas have received significant negative feedback R29R51R79R131.

Evidence note: The recent reviews show a clear negative trajectory compared to the high lifetime rating, with many complaints directly referencing 'new updates' or 'new app' R8R21R28R29. The developer's notes mention 'bug fixes and performance improvements,' but recent reviews contradict this, with users reporting new bugs, performance issues, and reduced functionality after updates R15R28R29R33.

Frequently asked

Does the CNB Mobile Bank app provide accurate, real-time account balances?
No, many recent reviews indicate that the app frequently displays incorrect or delayed account balances and transactions, with some users reporting transactions appearing, disappearing, and reappearing, leading to confusion and unexpected overdrafts R15R29R54R67.
What iOS version is required for the CNB Mobile Bank app?
The CNB Mobile Bank app now requires iOS 16, making it inaccessible for users with older iPhone models that cannot update to this version R23R30R31R32.
Are there issues with Zelle transfers in the app?
Yes, several users have reported problems with Zelle, including being unable to set it up, receiving 'something went wrong on our end' errors, and experiencing significant delays in transaction processing R22R79R97R131.

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. [R4] 5/5 · US Great banking app: I love this app because I can deposit my checks when I need to. I can see when things are coming out of my bank. I can transfer pretty much you can do anything you can do at a bank there except get cash lol the app never crashes and is easy to figure out. I like that I can transfer between my checking and savings instantly.
  2. [R7] 5/5 · US Mobile deposit App: Fast, Easy, and Accurate
  3. [R13] 5/5 · US Easy and convenient: I take care of my mother. This app makes it very easy and convenient for her to put her half of the bills into my account each month. It’s also nice to see our balances whenever we want. Love it.
  4. [R14] 5/5 · US Money transfers: Sooo quick and easy! Love my City Mobile Bank.
  5. [R1] 5/5 · US Awesome Employees: The employees are so helpful and nice
  6. [R3] 5/5 · US Alderson location: Great service, excellent and easy software. Up to the minute data. Staff makes banking easy.
  7. [R11] 5/5 · US Happy: I have been with City Bank for one year now, and couldn’t be happier. City Bank provides the kind of Down Home service that I believed had died out decades ago. Happy Happy Happy
  8. [R17] 5/5 · US User friendly app: We use Ashland, KY locations. I find the CNB app very user friendly for remote deposits and transfers. Always friendly and knowledgeable staff at Ashland locations.
  9. [R40] 5/5 · US Oh yeah: Big improvements love it
  10. [R101] 5/5 · US Awesome Upgrade!: This mobile platform is far superior and much more user friendly than the previous version. Excellent decision to upgrade.
  11. [R102] 5/5 · US The best!!!: I LOVE this app! It’s so easy to use and definitely user friendly! I usually hate using online banking apps, but this one is super easy to use, clean looking and love the customizations I can do...keep up the great work!!!!
  12. [R103] 5/5 · US App Review: The new app is much easier to maneuver, and customize to my needs! City certainly stepped up their app game with this! Thanks for all you do!!
  13. [R15] 1/5 · US Ok: Balance keeps changing because transactions appear disappear and then reappear.
  14. [R28] 1/5 · US Poor update: After update, app opens really slow and cannot show an updated balance…
  15. [R29] 1/5 · US Switching banks: Literally the worst banking app I’ve ever used. A transaction will show up as pending, fall off, show up 3 days later and then you’re hit with their ridiculous overdraft fees. Does not update like it should and does not reflect your actual balance at all. There have been several instances where it will say I have money in the account and my debit card declines. Glad I am switching
  16. [R33] 1/5 · US No app access: Since the latest iOS phone update the City bank app does not give me latest account balance balance nor does it update, it only says open it doesn’t update
  17. [R23] 2/5 · US Can’t use!!: I have an older phone so I can use it bc you need iOS 16 and I only have IOS 15 and won’t let me use it anymore about a month or two ago.
  18. [R30] 5/5 · US New mobile app: I can’t get into my account anymore cause I can’t upgrade to 16 because I have an iPhone 7?and it won’t upgrade. How can I get into my checking account
  19. [R31] 1/5 · US Why I dislike CNBs upgrade: I have an old 6s IPhone and I’m 83 year’s old and on disability Social security and can’t afford a new phone You’re upgrade exceeds the IOS app on my phone thanks for not thinking of us old folks
  20. [R32] 3/5 · US How do I update?: When I open my app it says that I need an update. When I select update now it directs me to the Apple store where there is no option to update. Any help would be appreciated!! Thanks, Brian
  21. [R75] 5/5 · US Keeps saying account locked: the app keeps logging me out and locking my account and making me change my password every 3-4 days it never did this before and now it does it all the time
  22. [R82] 5/5 · US Login Issues: Every time I need to access my bank account, it always seems to not allow me to login. As the app doesn’t serve its purpose majority of the time to be functional. I have to resort to the website for anything relating to my account.
  23. [R96] 3/5 · US App dose not work: I downloaded the app yesterday and set it up through my local branch and it worked fine, today I sign in and then I get booted from the app and it will not let me back in, it keeps want me to sign up with a new code but that doesn’t work either, this is getting very frustrating, fix your app please.
  24. [R97] 2/5 · US Could be better: I wish the app had the option of a quick view balance instead of having to login every time. For what ever reason I can’t send over like $340 through Zelle which is very inconvenient because that’s how I pay rent. And today the app just started needing me to re-authenticate my account info, logging me out and having to re enter everything.
  25. [R8] 2/5 · US Not liking the new update: I loved it when it showed me my transactions when I scrolled down. Now it’s a pain. Revert it back to the way it was pls.
  26. [R21] 1/5 · US Terrible app: Constantly changing view can’t go in and do what I use to do ! Bills change addresses accounts etc .
  27. [R46] 5/5 · US I don’t like the new app😢: Don’t like new app
  28. [R55] 5/5 · US Liked the format on a laptop best: I liked the lap top format better than the Mobil format. It was easier to navigate
  29. [R22] 1/5 · US Unable to use: All Zelle history has disappeared from my bank app. I have no idea what’s going on and my bank doesn’t either. I have a bank transfer hanging in limbo somewhere. Unbelievable!!!
  30. [R79] 3/5 · US Available balance: I love city by far better than my old bank only problem is it won’t load the correct bank amount saying that I have so much in my account when I have less than that and making me bounce also if you sent a Zelle transaction in the afternoon/night (I work nightshift and need to transfer money if I forget lunch) it takes hours to show up or days! Is this just me or is it a bug?
  31. [R131] 2/5 · US Zelle: Trying to set up Zelle, it continues to say “something went wrong on our end” after 3 days of trying.
  32. [R10] 3/5 · US Account: Don’t like that you can’t get into your account in case you need to change anything. It doesn’t have a way to print out anything like bills you’ve paid and statements. The only thing you can do with it is just come in and look and see what you have that’s it.
  33. [R51] 1/5 · US Bill Pay Nightmare: My account # was changed when my local bank was bought by City. I was told my payees would transfer. They did not! I have talked with a City Bank rep 4+ times about this. I was assured over and over this issue would be solved by IT professionals. It was not. Finally I said, I’ll just re-enter my payees. I have tried to re-enter over and over since yesterday. I enter all the inf
  34. [R92] 1/5 · US Making a payment: I have tried to make payment on line several times. I have called support service and enrolled in online payment option and still can’t make a payment!!!!!!!!
  35. [R109] 2/5 · US Too hard to edit payees: There seems to be no way to verify the details of payees. I have no idea if my payment is going to go to the correct place
  36. [R12] 4/5 · US Convenient but too slow: Even electronic transfer payments take too long causing me to have to pay late fees frequently. I have to wait on my SS ck to come in before paying and it’s a squeeze but more often than not the payment is made to the payee after the deadline. These days, electronic should mean w/i 24 hrs.
  37. [R54] 1/5 · US Doesn’t update: I have made a couple transactions and the transactions have never shown up on the app. My bank recently merged with this bank and I was forced to start using this app instead and I’m not impressed so far. I rely on the app the keep up with my transactions and I can’t do that if the app doesn’t update when I make transactions.
  38. [R67] 1/5 · US Purchases pending and posting: It is very frustrating how often a pending charge will fall off and then there is a long delay before it posts. The app’s function is to allow me to remain aware of balance and charges, but if it is not accurate, and I have to manually keep up with every purchase, then I have no use for the app.

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