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

ICCU Mobile Banking

65
User verdict / 100 High confidence Divided

The ICCU Mobile Banking app is praised for its ease of use and excellent customer service from the credit union, but recent updates have introduced significant performance issues, frequent crashes, and login problems.

4.9★ lifetime (77,933) Free to download since 2010 by Idaho Central Credit Union updated 3.1 mo ago recent negative 16% 120 reviews across 1 regions
App Performance Customer Service Login & Verification Transaction Visibility Mobile Deposit External Accounts & Payments
5★179
4★19
3★11
2★14
1★27
recent reviews across 1 regions, vs the 4.9★ lifetime average

ICCU Mobile Banking generally receives high praise for its user-friendly interface and the exceptional service provided by Idaho Central Credit Union staff. However, recent updates have led to a noticeable decline in app performance, with users reporting frequent crashes, slow loading times, and persistent login verification issues. While the credit union itself maintains a strong positive reputation, the app's current state is a source of frustration for many members.

What users like

  • App is easy to use and navigate for daily banking tasksR3R12R23R40
  • Credit union staff provide excellent, helpful, and friendly customer serviceR1R4R6R7
  • Convenient for managing accounts, transferring funds, and mobile deposits (when working)R21R23R24R31
  • Effective fraud protection and responseR10R33

What users complain about

  • Frequent app crashes, especially when trying to view account detailsR30R231R233R234
  • App is slow, sluggish, and often unresponsiveR9R27R108R244
  • Persistent login issues, including constant re-verification and 'system not responding' errorsR9R27R42R91
  • Mobile deposit feature is unreliable and prone to errorsR35R112
  • Transaction details and balances do not update in real-time, leading to overdraftsR78R81R97R221
  • Scheduled maintenance occurs at inconvenient times, blocking access to fundsR34R90
  • Lack of Zelle integrationR87R240
  • Difficulty adding or linking external accounts for transfers and paymentsR112R120R125R165
  • Recent updates have negatively impacted the display of deposits and available credit card balancesR163R169R239

Latest update · v4020.1.1

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 recent reviews highlight significant performance issues, including the app being very slow, sluggish, and frequently unresponsive. Users report errors when trying to log in or access account details, and the app often crashes, especially when navigating from the snapshot screen to individual accounts. This contradicts the developer's notes claiming updates to the navigation experience.R9R27R30R108
Login & Verification negative
Users frequently encounter problems logging in, with many reporting 'system not responding' errors or being forced to constantly re-verify their device via text or email, even when using the same phone. The CAPTCHA verification is also cited as unreliable.R9R42R91R96
Customer Service positive
Despite app issues, the credit union's customer service receives overwhelmingly positive feedback. Users consistently praise staff for being helpful, friendly, professional, knowledgeable, and going above and beyond to assist members. This positive sentiment is strong and recurs across many reviews.R1R4R6R7
Mobile Deposit negative
While mobile deposit is a desired feature, recent updates have made it slower and more prone to errors, with users experiencing issues like 'resolve problem' messages despite clear images. Some users also report checks not going through. This contradicts the developer's notes claiming updates to the mobile deposit experience.R35R112
Transaction Visibility negative
Several users report that transactions and debits do not update in real-time, leading to delayed notifications and confusion about actual account balances, sometimes resulting in overdraft fees. Recent updates have also removed the green indicator for deposits and the display of available credit card balances, making it harder to track funds.R78R81R97R163
External Accounts & Payments negative
Users face difficulties linking external bank accounts for transfers and making loan payments, with the feature often being broken or not allowing same-day payments from external accounts. The absence of Zelle is also a notable drawback for some.R87R112R120R125

Who it's for

This app is for existing Idaho Central Credit Union members who value strong in-person and phone customer service and need basic banking functionalities like checking balances and making transfers, provided they can tolerate frequent app glitches and performance issues R1R6R12R23. It is not for users who require a highly reliable, fast, and real-time mobile banking experience, depend on Zelle, or frequently link external accounts for payments R9R30R35R78.

Evidence note: The recent reviews skew heavily towards negative feedback regarding app performance, login issues, and recent update problems. This contrasts sharply with the high lifetime store rating, suggesting a recent decline in app quality. The positive aspects primarily focus on the credit union's in-person/phone service rather than the app itself.

Frequently asked

Does the ICCU Mobile Banking app support Zelle?
No, the ICCU Mobile Banking app does not currently have a Zelle feature, which is a point of frustration for some users R87R240.
Are there issues with mobile deposits on the ICCU app?
Yes, users report that the mobile deposit feature has become slower and more prone to errors with recent updates, sometimes failing to process checks or displaying 'resolve problem' messages R35R112.
Why does the ICCU app keep asking me to verify my device?
Many users experience persistent login issues where the app constantly requires re-verification of their device via text or email, even when using the same phone, which is described as frustrating and annoying R91R101R212R228.
Does the app show real-time account balances?
No, the app often does not show real-time account balances, with transactions and spending notifications appearing days late, which can lead to confusion and overdrafts R78R81R97R221.

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 Easy: Super easy and convenient
  2. [R12] 5/5 · US I enjoy this app: Really helpful and easy to navigate. I use this app everyday to check my credit and accounts
  3. [R23] 5/5 · US Smart, Simple Banking: Being able to see accounts and transfer money so quickly is a blessing. I can transfer money to family and friends without needing to download additional apps. I can do so much with the app. Start CDs create new accounts…
  4. [R40] 5/5 · US Sam’s awesome review: Very simple and easy to use, I’m not the sharpest tool in the shed but I’ve never had a problem with this app or the actual corporation.
  5. [R1] 5/5 · US Been with them for years: So grateful for Iccu! They’ve been good with us for the 20 years we’ve been with them , even when there has been a few hiccups along the way but they’ve always been on top of things to help us out. We are loyal to them even when there have been a the few hiccups. Other places nickle and dime ya. But have never felt that way with Iccu.
  6. [R4] 5/5 · US Raul: Raul went above and beyond and used creative out of the box thinking to help me. It’s how I hope someone would treat my son if he needed help. It’s how I would have treated someone. You just don’t find that much anymore.
  7. [R6] 5/5 · US Great bank: Great bank, with great staff.
  8. [R7] 5/5 · US ICCU: Excellent Service
  9. [R21] 5/5 · US For my business and personal account: Great support at locations and app works great
  10. [R24] 5/5 · US Everything I need for small business checking.: The app is easy to use, easy to understand and makes managing my small business and personal checking easy.
  11. [R31] 5/5 · US Top Notch: I’ve used a few bank’s mobile apps and this one takes the cake. Very intuitive and easy to use. Linking external banks through the app is easy as well and makes transfers a breeze! ICCU is the place to bank hands down.
  12. [R10] 5/5 · US A bad day: My wife had been caught in a fraud scam and the really nice people on the ICCU helped her…and didn’t make her feel stupid.
  13. [R33] 5/5 · US Fraud: When it comes to fraud, these guys are great, I had a few unexpected payments that had came out, that I noticed. I made the call and the fraud dept was right on it. It didn’t take them long to get into the situation and fixed quickly. The branch office I go to they’re amazing, also the members it’s like an old school coffee shop visit with other members along with the tellers.
  14. [R30] 1/5 · US Doesn't work. Crashes all morning.: It just needs to work every time.
  15. [R231] 1/5 · US Constantly crashing: I’ve been trying to check my account for 3 days now. It crashes as soon as i sign in.
  16. [R233] 3/5 · US App crashes very frequently: When opening the app, the preview dashboard you get for your account crashes when you select to view an account. It was not a single instance issue. I can recreate the issue again and again, just by opening the app, and selecting an account.
  17. [R234] 2/5 · US Face ID shuts the app down: Every time I try to click into my main checking from the snapshot screen and it will recognize my face but then the app crashes every time instead of logging me in. I’ve tried uninstalling and reinstalling as well as a few other things in my settings but nothing gets me into the account except keeping FaceID unchecked in the settings and putting in my password twice for
  18. [R9] 1/5 · US Really slow: This app is very slow and I get an error almost every time I try to log in. They keep making changes yet it still continues to be slow.
  19. [R27] 1/5 · US Always glitches: The app doesn’t let me see anything that’s not the snapshot of my account, it goes to a separate page and loads for a while then says system is not responding, try again later.
  20. [R108] 3/5 · US won’t even let me into the app: so i download the app, happy that i just got my first debit card, and there’s a message that says “system not responding try again later”. so i did, and it still said that. i deleted the app and re downloaded it but it still didn’t work. i’m not even that angry there’s just no good advice online
  21. [R244] 2/5 · US Newest update: is slow to load. Crashes often. Errors out. Please fix this. It is no longer convenient or easy to use.
  22. [R42] 1/5 · US Constant Login Issues: App is great when it works, but it keeps signing me out every day and won’t let me log back in unless I delete the app outright. Please fix
  23. [R91] 1/5 · US This app is so frustrating: You have to CONSTANTLY re verify who you are by text or email… when no contact information has changed… and for example, I’m out of town and cannot log in due to maintenance… this app is SO annoying. Love the company, hate the app
  24. [R35] 2/5 · US Mobile deposit getting worse every update.: I have been with ICCU for about 8 years and have had multiple loans and accounts with them. The mobile deposit feature was pretty good the first few years but as they “update“ the App it just gets slower and worse for the end user. Many times it has errors like resolve problem and the camera image is clear and on auto capture so it has to be progra
  25. [R112] 2/5 · US Linking account fail: I set up a savings account and auto pay then linked my bank account so I can transfer only to find that it won’t help me do that. 3 customer representative checked on it and doesn’t know why it’s not letting me do that. I ended up paying fees (the initial deposit is now almost gone) since my savings balance isn’t sufficient. My check deposit also didn’t go through. Kept the a
  26. [R78] 1/5 · US Never really know what’s accurate: I turned on notifications to have an up-to-date idea of what my account sits at. I received notifications anywhere from 3-5 days late, even outside of weekend where transactions don’t get processed until Monday. Or spending notification decide to pop up days later after the app had been open and closed. I was told this problem was addressed and it still persists
  27. [R81] 2/5 · US Deposit issues: I don’t know if it’s ICCU or ICCU mobile app but a couple times my husband has made a deposit we have had overdraft fees we were told time before last that it was 8 PM I clarified that it was 8 PM my time as his main office is usually in Boise and it is an hour ahead of us. She clarified with me that it was 8 PM my time. So it happened again two weeks later and my husband was charg
  28. [R97] 2/5 · US Used to be great: I’ve had this app for years and always like the way it worked. No glitches and the balances in my accounts were updated in real time. This last update seems to have done the opposite of what was intended because transactions have shown up hours after they were made, as was the hold on $150 when filling up my tank at my usual station. Today, the app was down, along with the onli
  29. [R221] 2/5 · US Withdrawal Updates on app: My 15 year old keeps overdrafting because his debits aren’t updating on the app. He thinks he has money because debits haven’t shown up, so he’s spending more than he has. It should be real-time, and show pending, but it’s not. Please fix it.
  30. [R34] 2/5 · US Dumb app: It’s dumb to have scheduled maintenance on the app all day Sunday when the bank is closed, I want to access my money!
  31. [R90] 1/5 · US Really?! You choose NOW?!: I love my banking app.. but whoever decided it was a good idea to schedule maintenance on Labor Day weekend is a complete moron. You have zero common sense and you have screwed our weekend plans. Thank you so much.
  32. [R87] 2/5 · US Unsatisfied: The app doesn't have a Zelle feature. What kind of mobile banking app doesn't have Zelle
  33. [R240] 1/5 · US Zelle not working: Zelle is not working. App is slow and crashes as well
  34. [R120] 1/5 · US Terrible.: For a banking app it sure doesn’t let you do much banking. Trying to pay my car payment has never been so stressful. App lets you add an external account but the feature is so broken. Thanks to this app my car payment is a week late and now i have extra charges added on to my loan! can’t wait for this car to be paid off so i can delete this app.
  35. [R125] 1/5 · US Adding external accounts: Their process needs to be fixed all my accounts “successfully” after this loan pretty much done with this app.
  36. [R165] 1/5 · US So frustrating. Can’t wait to be rid of ICCU.: I have had so many issues with making payments to my car loan through this app. Two months in a row it didn’t apply my payments even though I had screenshots of the confirmations. Now you can’t make same day payments from external checking accounts anymore. If you have an ICCU account it will let you but not if your paying from a different bank. It fo
  37. [R163] 1/5 · US Last Update 👎👎👎: I don’t like the latest update! It used to show deposits into my bank account and savings account in green. I loved this because deposits stood out and were easy to spot. Now I have to look at every line to find them. This is not an upgrade in my opinion. It is a definite miss! 👎
  38. [R169] 3/5 · US Don’t like update: Why don’t deposits show up in green anymore?? It’s so hard to tell the difference between withdrawals and deposits now.
  39. [R239] 1/5 · US New update doesn’t show available balance.: I hate that I have 2 credit cards with this bank and when I go to look at my balance it only shows me what I owe. It used to show how much was available as well as the balance but now I have to remember which card has which spending limit, then do some math to try and figure out how much I really have available. I just don’t see why they changed that fea
  40. [R96] 1/5 · US App not working: App won’t pull up. I have updated, reloaded, reset and went through the App Store to try to get the app to open! It will when it feels like it! I need this app often but can’t rely on it at all!!!
  41. [R101] 1/5 · US Captcha verification: The verification to log in works maybe 1 out of 50 times. It often takes me more than an hour of closing the app and restarting it to successfully log in. Honestly calling the customer help line is a faster way to get whatever information you need from the app and that defeats the point of it. Don’t waste your time.
  42. [R212] 1/5 · US Hands down the worst app experience I’ve ever had: This stupid application is CONSTANTLY forgetting my device. When i say constantly, i mean almost every. Single. Time. I. Log in. And you can’t use a name for your device that’s been used before so if you have to use your banking app multiple times in a day then you better be creative with making up names or just accept that it will never remember
  43. [R228] 1/5 · US Annoying: I have had the mobile banking app with ICCU for a long period of time. Almost every time I log in it requests that I verify my device. I am ALWAYS using my smart phone and have had the same phone for years. I have to keep changing the device name because I say the same device every time and it says it’s already saved that device but I still have to verify A device before logging in EVEN

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