Navy Federal Credit Union

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 Best of All: You won’t find better than NFCU, period.
2. [R20] 5/5 · US BEST BANK & APP EVER: I literally don’t care what anyone says.. I’ve tried every bank even fintech banks but nothing comes close to Navy Federal! The best bank and app all in one! I will be with NFCU for life ❤️
3. [R106] 5/5 · US Best bank: Love navy federal been with them since 2014
4. [R140] 5/5 · US Best Financial Institution: Ive been with NFCU for years. Best rates and service in the industry.
5. [R23] 5/5 · US Good App: I like this app. Easy banking. One change I’d like to see is a memo option for money transfers.
6. [R37] 5/5 · US Navigate Easy: This app runs smoothly and gives you information that you need. Transition from different accounts, moving money, bank statements and more are made simple! Great bank and great app!!!
7. [R48] 5/5 · US Perfect: I’m so grateful to have navy federal. I use the app every day to track expenditures and deposits. I’ve had zero issues.
8. [R145] 5/5 · US Absolutely Love this Bank: A great bank and app serves a great benefit if you do not want to physically or unable to go to the bank. Such as there is no NFCU in your geographical location. Easy to use app allows you to conduct all your banking needs without any issues. They take care of you with respect.
9. [R22] 4/5 · US Great updates: Always been a pretty easy app to use, but they recently updated how they show and handle credit card points and they really made it magnitudes better. Still not perfect, but way better than before. A few notes: NFCU, now all I want is to not have to press a button to sign it when I open the app. Pleeeaaaseee. Just start the FaceID scanning automatically for a seamless sign in, all
10. [R6] 1/5 · US Locks ups: Login still slow and app still locks up after login just like last update on iPhone. Unusable again. I have to use the old app on my iPad that I have not updated. And I have reset and test every change allowable both on phone and router. The last resort is to delete app and install from scratch. Sucks to do that.
11. [R8] 4/5 · US Recent issues: I’ve been experiencing issues with the app freezing up anytime I attempt to set cardholder limits or Freeze/Unfreeze another users credit card. This issues also sometimes occurs when checking upcoming transactions. Otherwise it’s a great app.
12. [R39] 1/5 · US Crashing: App freezing up every use. Not sure what happened. Needs to be fixed asap.
13. [R66] 1/5 · US Keeps freezing: Every time I look at my savings account it freezes up. It’s been updated recently.
14. [R1] 3/5 · US Maintenance and 24/7 help: If they have maintenance York screwed. a random charge you know comes through and you don’t call them they block your card then when you do try to call them about it they don’t answer the line and sit around chat up their buddies, 24/7 help is a joke. Wake up and do your job.
15. [R12] 3/5 · US Has Become Trash: This app used to be great. The amount of times this app shuts down for maintenance (during the weekends btw) you’d think it would get better. It has not. Trying to create a cashier’s check request and this app won’t allow me to pull money from the correct account. Currently looking for another financial institution alternative.
16. [R19] 2/5 · US It’s alright ig: It’s a good bank but whenever I wanna use my card the bank is always in maintenance!!!!!
17. [R32] 1/5 · US TRASH: do your FN maint in the middle of the night when we be sleeping. F this chit, no other program i see do this bullsh! FIX THE FN HOMESCREEN VIEW, no stretch so i can’t see the values of each acct!!!
18. [R3] 4/5 · US Love NFCU: I generally have no complaints about NFCU, but recently, I am finding it difficult to look at my certificate details. I hit the arrow to expand that section. Sometimes it immediately closes back up, sometimes it lets me scroll down for a second or two before it closes back up.
19. [R10] 1/5 · US Issue with savings goal: I have money in my savings goal, but when I try to make a transfer it’s saying that I have $0.00 in my savings goal account. Needs to be fixed asap!
20. [R14] 1/5 · US Can’t make credit card payment: I have been trying to pay my credit card bill and the app continuously says it is experiencing an error.
21. [R18] 1/5 · US Can’t do mobile deposits anymore: Since a recent update (I believe 2026.6.1) I’m no longer able to do mobile deposits. When I take a picture of the front of the check, the entire screen turns white and just stays there frozen. I’ve tried turning off auto capture, flash, restarting app, restarting phone, my phone has the latest iOS update, everything. The bug is in the app.
22. [R2] 1/5 · US Customer service: I had an urge matter I needed answering and instead of answering navy reader customer support made me wait hours and didn’t even answer as well as the instagram navy federal had answered faster then the actual company.
23. [R21] 4/5 · US Frustrating issues: Frequently neglects to display scheduled credit card payments, almost causing me to make the payment twice. Takes too long to be connected to a live agent in the chat, and for the past 2 days a red banner says tech issues try again later when I’m trying to make my credit card payment. Frustrating!!
24. [R31] 1/5 · US Great Rates, HORRIBLE SERVICE: My friends in the military were definitely right; Navy Fed has better rates but HORRIBLE customer service/response times. Took 4 weeks to apply to become a member with a 740 credit score. Took several days of non responses for my mortgage application to finally get some answers. Their platinum credit card is a great starting card. But the person I applied with had ze
25. [R53] 2/5 · US Terrible service bot! Get rid of it!: This app layout stresses me out more than it should and the bot is stupid. Live agents are impossible to get a hold of. The app is super slow especially with the live chat services. However if you go on the phone, and call them… it’s impossible to reach them or the wait times are atrocious.
26. [R27] 2/5 · US Account screen too wide for 12 Pro: As per title
27. [R38] 4/5 · US Homescreen issue: No issues until recently and once you log into the app, your dashboard home screen is larger and doesn’t all fit within the screen anymore. You’re unable to see all the info displayed which is annoying. I tried looking to see if I could decrease the font size but couldnt find anything. Can this be fixed please?
28. [R40] 3/5 · US Fix it: After the last version my app doesn’t fit my iPhone 16. The accounts page is now wider and it cuts off the sides. Page doesn’t rotate so I have to guess what the cut off side says.
29. [R71] 3/5 · US App Display Issues: There’s A Display Issue That Is Happening Only On IPhones.. Plz Fix
30. [R15] 1/5 · US Stuck Badge Notification.: The app is showing a number 1 as a badge notification count, but I don’t have any notifications at all in the app. When I log into the to app to look for any messages or notifications, I cannot find any. I have deleted the app, deleted it’s data from my phone, restarted my phone and reinstalled the app, hoping this will clear that erroneous badge count. After the app
31. [R35] 4/5 · US App notification: App on the Home Screen shows a red notification badge, but when I go into the app, there is no way of knowing what that notification is for, so I can’t clear that notification. It’s annoying. But everything else on that app works great!
32. [R63] 1/5 · US Notifications not working since May 24: Updated the app, re-set notifications twice, called 3 times to report notifications not working. They cannot tell me when & if they will be fixed.
33. [R64] 2/5 · US Notifications stopped working: Notifications stopped working with the latest update. Also will forever hate the change for transfers to pick the to account and then the from account. How does that make sense???
34. [R65] 1/5 · US Consistently being logged out: The new app since its update almost a year ago has been nothing short of awful. The whole To then From is a backwards thought process. It causes repeated mistakes and constant review to ensure it was done correctly. High inefficiency. Couple this with the frequent being logged out when trying to go and forth to ensure or fix the bill pay or transfers is a nightma
35. [R108] 3/5 · US Garbage app: The ONLY bank who has their transfer screen as TO/FROM, instead of FROM/TO.
36. [R210] 3/5 · US Enhancement request: For transfers, it would be good to allow the user to determine if they want to enter the “from” or “to” account first. It used to ask for the “from” account first which is more intuitive and was changed to be more frustrating. Provide the option for the user to decide the order they want to select accounts for a transfer of funds.
37. [R7] 1/5 · US The stupid app never loads: App updated, phone updated, phone restarted, and it still won’t load. Software devs should be lined up and executed.
38. [R17] 2/5 · US Stuck at Apple Pay verification at login.: The app would be great if only it let me get past the Apple Pay verification blank screen after logging in. I have to either fully reset my phone for the app to work or go use the website login.
39. [R34] 1/5 · US Glitch: I have the 17 Pro Max and my App has a glitch in it. Every time I open the app, it goes to a blank white screen that says verify my card. I have deleted the app several times to try to reinstall the app and nothing changes.
40. [R30] 1/5 · US Website: I have been using this navy federal website for years and now it says I need to update it but I don’t know how. The notification says go to the App Store and when I do there’s no update. Also, I don’t know how much money I have in the bank and before your updated I could always find out with no problem. Why did you do this??? It always worked before.
41. [R129] 3/5 · US App is updated but still requires update: When I open the app it directs me to the App Store for an update, but there is only an Open button that takes me back to the app. No way to get out of the cyclical request. Delete and start over?
42. [R149] 3/5 · US My app is updated so why does the app say I’m not using the current version: My version of the app is already updated to the current version but the security says I’m not using the updated version of the app, so I go to the App Store and there’s no update, it just says open. Every time I open the app it’s message saying it’s detected that my internet connection is not private. I’m going to uninsta
43. [R84] 4/5 · US pretty great: fix the mobile deposit there shouldn’t be no reason that i take the best photos of my life with my phone and it still says blurry even though i literally just cleaned my camera before taking the photo and have perfect lighting… example im dealing with this issue now and i’m right now im next to my window with the light on and it’s still saying blurry.
44. [R110] 5/5 · US Amazing Bank: Nothing better than this. Bank is great and so is their app! Had a small issue with depositing a check thru the app but everything else is smooth!
45. [R43] 4/5 · US Dark Mode?: Please add a dark mode option. Please.
46. [R56] 1/5 · US Dark Mode: Please, for the love of god, add a dark mode. There’s only so many hours in the day where bright white is a good idea. Can this be in the next update as an easy win/low hanging fruit? It would help tremendously. I opened a USAA account for this single feature
47. [R113] 4/5 · US Dark mode: App would be better with color customisation for bankers or a dark mode would be awesome.
48. [R156] 5/5 · US Love it: Amazing bank app; but, we please have dark mode for it?
49. [R42] 1/5 · US Does not work on older phones! Rubbish: I suggest Navy return to an app that works on older phones.
50. [R96] 5/5 · US Planned Obsolescence: My iphone (8 plus) will not allow me to update so I can no longer use my iphone for online banking without buying a new phone. Your updated app made my iphone usless.
51. [R9] 1/5 · US Not friendly: Transaction categories are wrong and can't be turned off and even worse, can't be corrected, so my water bill is marked as "dining".
52. [R25] 2/5 · US Fix it now: I have not been able to make a credit card payment for several days now. This is unacceptable. Fix it! Uninstalled the app, reinstalled it, still cannot make a credit card payment. WTH do I have to do to get you guys to fix this?