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

SAFE Federal Credit Union

30
User verdict / 100 High confidence In trouble

The SAFE Federal Credit Union app has recently undergone an update that has led to widespread login issues, functionality problems, and a general decrease in user satisfaction, despite some users finding the new interface and features beneficial.

4.8★ lifetime (8,860) Free to download since 2020 by SAFE Federal Credit Union updated 0.2 mo ago recent negative 40% 102 reviews across 1 regions
Login & Access Issues Feature Functionality App Performance & Stability User Experience & Design
5★50
4★8
3★3
2★8
1★33
recent reviews across 1 regions, vs the 4.8★ lifetime average

Recent reviews for the SAFE Federal Credit Union app indicate a significant negative shift in user experience following a recent update, with many users reporting inability to log in or access accounts. While some appreciate the new design and features like external transfers, a large segment of the user base is frustrated with technical difficulties and a perceived downgrade in functionality compared to the previous version.

What users like

  • Some users find the app easy to use and navigate for basic banking tasks.R7R12R24R51
  • The app allows for easy fund transfers between accounts.R7R13R28
  • The updated balance and external transfer features are appreciated by some.R8
  • Some users like the new design and see it as an improvement.R29R66R87R100

What users complain about

  • Many users cannot log in or access their accounts after the update, reporting invalid credentials or technical difficulties.R18R21R36R62
  • The app is reported to be slow, crash frequently, or require constant updates.R10R57R69R70
  • The Bill Pay system is considered antiquated, difficult to use, and often results in delayed or returned payments.R5R26R27
  • Key features like mobile check deposit, external transfers, or viewing pending deposits are missing or non-functional for many.R1R16R41R46
  • The process for setting up or using Touch ID/fingerprint login is problematic.R59R69
  • Some users report a loss of simplicity and a more complicated user experience, often redirecting to web pages for certain functions.R38R73R80
  • There are issues with account visibility, such as not being able to see balances for all linked accounts.R45R82R95
  • The app lacks support for modern payment methods like Apple Pay or Google Pay.R94
  • Non-US residents face difficulties with verification due to phone call limitations.R91

Latest update · v2026.04.02

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

This update includes general improvements, enhancements, and bug fixes to provide you with the best possible experience.

Recurring themes

Login & Access Issues negative
A significant number of recent reviews highlight severe problems with logging into the app after the update. Users report their old credentials no longer work, new password resets fail, and they are unable to access their accounts at all. This issue is widespread and has been ongoing for weeks for some.R18R21R36R62
App Performance & Stability negative
Users frequently report the app is slow, crashes often, or requires constant 'updates' each time they try to log in. This contradicts the developer's notes about 'general improvements and bug fixes'.R10R57R69R70
Feature Functionality negative
Several core banking features are reported as broken or missing. This includes mobile check deposit, transferring funds from external accounts, viewing pending direct deposits, and a problematic Bill Pay system that causes delays and returned checks. Some users also note the app redirects to a webpage for credit card information, losing the integrated app experience.R1R5R16R26
User Experience & Design mixed
While some users appreciate the new design and find the app easy to use for basic tasks, a significant portion finds the new interface complicated, less intuitive, and a downgrade from the previous version. Issues with Touch ID setup and the overall navigation contribute to frustration.R7R12R24R29

Who it's for

This app is for existing SAFE Federal Credit Union members who are willing to navigate significant technical issues and a potentially frustrating user experience post-update. It might appeal to those who value the new design and find the basic transfer features functional R8R29R87. It is NOT for users expecting a seamless, reliable banking app with full functionality like mobile check deposit or external transfers, or those who are not tech-savvy enough to troubleshoot login problems R81.

Evidence note: The recent review sample heavily skews negative, with a strong consensus around login issues and app functionality problems. Positive reviews often mention general satisfaction with the bank rather than specific app features, or express appreciation for the new design without detailing functionality. The developer's notes about 'bug fixes' are directly contradicted by numerous user reports of ongoing bugs and crashes.

Frequently asked

Are there issues with logging into the SAFE Federal Credit Union app?
Yes, many users are reporting significant issues logging into the app after a recent update, with problems like invalid credentials, inability to reset passwords, and being locked out of their accounts for extended periods R18R36R81R84.
Does the app support mobile check deposit or external transfers?
Many users report that mobile check deposit is either unavailable or limited R41R52, and transferring funds from external accounts is often not possible through the app, requiring users to go to the website where the feature may also be broken R46R61.
How is the Bill Pay feature in the SAFE Federal Credit Union app?
The Bill Pay system is frequently criticized as antiquated and difficult to use, with reports of delayed payments, checks being sent back, and an inability to see pending payments in the account balance R5R26R27.
Is the app slow or prone to crashing?
Yes, several users describe the app as slow, prone to crashing, and requiring repeated 'updates' or re-logins, which contradicts the developer's claims of general improvements R10R57R69R70.

What reviewers actually said

Built only from these 102 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. [R7] 5/5 · US Easy App: I love this App for ease of use, No one needs to go to the bank. To transfer money.
  2. [R12] 5/5 · US Easy to Use: I use the Safe mobile app almost daily. So easy. Can navigate through with ease.
  3. [R24] 5/5 · US Shonda: Convenient and easy to access and use.
  4. [R51] 5/5 · US First Rate!: It’s fast, easy to navigate, & works great!
  5. [R13] 5/5 · US Easy Peasy: Love how easily I can transfer my funds
  6. [R28] 5/5 · US Knowing my limit: This 24/7-365(366) any time online banking advantage keeps me informed. I can access my accounts at my convenience. Bonus no lines, no showing identifications, although every employee is an Angel which is truly professional. Yet the online opportunity is not business hours limited. I can multitask on my accounts with my fingertips. I’m highly pleased with this service!!! 💜
  7. [R8] 5/5 · US Lovely: Love the updates with updated balance & external transfers!
  8. [R29] 5/5 · US JWD: Great new system. I love it.
  9. [R66] 5/5 · US Great improvement!: This is remarkably improved when compared to the previous version. Enjoy!
  10. [R87] 5/5 · US Great: So the instructions on registering are a little vague since I’m used to using my username and not my member ID but whatever, I figured it out. I feel like most of the comments about people not being able to register is due to them being less tech savvy. I was able to register within 5-10 minutes without much issue. I love the new design and to see that SAFE is working to stay current wi
  11. [R100] 5/5 · US An app!: Finally my favorite bank comes out with a much needed upgraded app!
  12. [R18] 1/5 · US Awful: App barely works and won’t let me in my account at all.
  13. [R21] 1/5 · US SAFE: App doesn’t open. Needs serious updates. Won’t load info.
  14. [R36] 1/5 · US My account: I haven’t been able to access my account in weeks
  15. [R62] 5/5 · US Terrible: The app was doing just fine until the upgrade and now I can’t access my account or anything. This is terrible and then it say it’s not compatible to my phone. It need to be fix or back to the old way.
  16. [R10] 2/5 · US To slow crashes: The app is much slower than other banks and man the credit card 3rd party is annoying. It’s so slow to open, it crashes repeatedly. If you want to try to use your reward point you better set aside half your day to get to the 3rd party website. You would think a bank would have a state. Of the art website as your handling peoples money
  17. [R57] 1/5 · US It’s a thumbs down for me: “Updated” version is trash. You literally have to be taken to the app & “update” the app each time you need to log into the app. It’s a major inconvenience & extremely aggravating to say that least.
  18. [R69] 5/5 · US A challenge: There’s a glitch. It updated to the new app and every time it use the app it asks me to up date again. Navigation gets a minus -1 from me. I also liked that the old app told you where your money went. Had to get a new password again. 🤷🏼‍♀️😭😭 Same thumb print for over 60 years. But even that won’t let me login
  19. [R70] 4/5 · US Doesn’t Work: After updating to the new app it almost never works anymore and I have to sign in through the internet. Bring back the old app. It worked!
  20. [R5] 4/5 · US Bill pay: The worse system to use @ safe since its inception, we get checks sent back half the time we use it, useless because it takes so much time to put it in the system. The idiocy of it all, is that they know it, I call and the reps say it's a bad system.... this is over many years now, I'm a member since 84.
  21. [R26] 4/5 · US SAFE bill pay antiquated: I love SAFE credit union. Staff are always professional & courteous. The “new” updated Bill Pay system is antiquated. You cannot see pending payments in your checking account balance that are processing. More of my accounts have to get a credit union check sent (rather than electronic transfer) which takes up to 10 days. Poor choice!! Bill Pay function needs a serious
  22. [R27] 3/5 · US Review: I love the online banking but I’m not a fan of the new Billpay.
  23. [R1] 5/5 · US App problems: Card lock feature is a mess transactions go thru regardless of funds with no overdraft protection on account bank is starting to suck been with yall for 26 yrs ridiculous
  24. [R16] 2/5 · US Pending direct deposit delay: Why do my social security check delay when it show
  25. [R41] 5/5 · US Direct deposit checks via the app: Other than the fact that I can’t deposit checks with the app it’s pretty good
  26. [R46] 2/5 · US Missing important feature: The app seems to work well enough but doesn’t have an option for transferring funds from an external account. For that you have to go to the website where this feature hasn’t worked for the past 2 weeks. I opened the account a month ago, but if there is no way to transfer funds in the account does me no good.
  27. [R59] 1/5 · US TOUCH ID IS USELESS!!!: I’ve spent many hours trying to figure out how to enable Touch ID for this app. There’s an option to turn TouchID on in the app settings, but it doesn’t work. Instead it refers you to your device settings. Touch ID can’t be enabled on device settings until it’s turned on in the app. So...there’s a “Catch 22” situation. I Googled this, looked at other SAFE sites, etc.
  28. [R38] 1/5 · US Loss of simplicity: Why can’t it just show my account like it used to. Now when I click on my CC it loads a webpage. Not needed
  29. [R73] 2/5 · US Not so easy: I know change is a learning curve but this new site is so aggravating to access and navigate. Spending much more time doing basic functions than it use to take.
  30. [R80] 1/5 · US Unhappy: I am very frustrated with this app now. It was very difficult to set up and it continues to be difficult to use. What was wrong with the old way? I used to be able to get in quickly and check was I needed to. Now it requires so many steps it’s ridiculous. I am also linked to family members so I can transfer money easily and that seems to have disappeared. Whoever’s decision this was
  31. [R45] 5/5 · US Great app but.: I love this app it’s easy and convenient. But there are two thing I don’t like about it. One, I don’t like since they have updated the app you can no longer view your balance on other accounts that you may have. And two is that you can’t withdraw money out of your other accounts, you can only deposit into those accounts and you can’t see the balance anymore. Other than that it
  32. [R82] 1/5 · US Very disappointed:: I signed in and set up new password and cannot get back in. Half of my accounts disappeared anyway and the whole thing has been nothing but frustrating. It is not user friendly at all!!
  33. [R95] 1/5 · US Needs Improvement: Eh, i like the set up of this app but i’ve been having problems with it every since. I can’t see none of my accounts, i can’t transfer money or anything. I hope they fix this!
  34. [R94] 1/5 · US Fed up and ready to switch banks: i was forced to up date to new app, three days and still cant get the app to show my accounts and all phone linrs have been busy for the past two days!! Safe does not support apple or googlepay, very upsetting.
  35. [R91] 1/5 · US Only USA resident friendly: I live outside the US and in order to complete verification the only option given is to receive a phone call which of course did not come through on my non-US number. Now I can’t complete registration nor can I access my account because the old app has been annulled. Complete waste of time and can’t even finish setup.
  36. [R81] 1/5 · US This is a joke: The app developers have got to be kidding us with this update, right? The credentials I’ve been using since I was 18 aren’t working and I can’t login into this crappy updated app to see any of my information to transfer my money. The fact that I’m seeing this issue has been going on for a full WEEK while in the mean time the old app is unavailable for use and literally provides a n
  37. [R84] 1/5 · US Can’t login: I am using the correct login information but it will not let me login! Awful update thus far!
  38. [R52] 3/5 · US Adequate: Last I checked, I could not deposit a check by using the image. That’s the only feature I really miss
  39. [R61] 1/5 · US Worst bank app ever: The bank needs to update everything ... I’ve been trying to deposit money to pay a loan for 2 wks and features still don’t work. I hate banking with this bank.

Synthesized from 102 recent App Store reviews · updated July 2026 · View on the App Store