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

Georgia's Own Credit Union

55
User verdict / 100 High confidence Divided

The Georgia's Own Credit Union app is generally functional for basic banking needs, but recent updates have introduced significant usability issues and performance problems, contradicting the developer's claims of performance improvements.

4.8★ lifetime (52,674) Free to download since 2010 by Georgias Own Credit Union updated 3.2 mo ago recent negative 22% 120 reviews across 1 regions
Performance & Stability Login & Biometrics Feature Removal/Changes Credit Card Functionality Customer Service Mobile Check Deposit Missing Modern Features
5★152
4★24
3★19
2★11
1★44
recent reviews across 1 regions, vs the 4.8★ lifetime average

The Georgia's Own Credit Union app receives praise for its ease of use and helpful customer service from the credit union itself. However, recent updates have led to widespread complaints about slow performance, login issues, and reduced functionality, particularly concerning account management and bill pay.

What users like

  • Easy to use and navigate for basic banking tasksR7R9R15R26
  • Credit union provides excellent customer service and helpful staffR14R19R20R24
  • Instant transfers and mobile check deposit are generally appreciatedR38R44
  • Notifications for account logins enhance securityR62

What users complain about

  • App is frequently slow, experiences loading delays, and crashesR1R4R5R6
  • Login issues are common, including forgotten devices, non-functional biometrics (Touch ID/Face ID), and constant re-loggingR8R22R35R50
  • Recent updates removed or altered key features like account reordering and changed bill pay interface, making it harder to useR2R3R45R47
  • Limited functionality for credit cards, lacking transaction details, payment options, and statement accessR16R40R82R137
  • Mobile check deposit is buggy, often misreading amounts or crashing the appR21R99R128R235
  • Lack of card management features like locking/unlocking cards or setting transaction notificationsR10R17R58R242
  • App does not support landscape mode on tablets, making it inconvenient for iPad usersR80R84R149
  • Missing modern banking features like Zelle and transaction categorization within the appR30R53R74R134

Latest update · v4020.2.0

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

Thanks for downloading the Georgia's Own mobile app! We've made some performance improvements to keep things running smoothly.

Recurring themes

Performance & Stability negative
Many users report the app is slow, takes a long time to load balances, crashes frequently, and displays 'unable to load content' errors. This directly contradicts the developer's claim of 'performance improvements' in the latest update.R1R4R5R6
Login & Biometrics negative
A significant number of users experience issues with logging in, including the app not remembering their device, requiring constant re-entry of credentials, and non-functional Touch ID or Face ID after updates.R8R22R35R50
Feature Removal/Changes negative
Recent updates have removed or negatively altered features, such as the ability to reorder accounts, changed the bill pay interface making it less user-friendly, and removed color coding for deposits, making it harder to distinguish transactions.R2R3R45R47
Credit Card Functionality negative
Users report that the app lacks comprehensive credit card details, such as transaction history, minimum payment information, and the ability to pay credit card bills directly within the app, often requiring external links or desktop access.R16R40R82R137
Mobile Check Deposit negative
Several users find the mobile check deposit feature unreliable, with the app frequently misreading amounts or crashing during the process.R21R99R128R235
Missing Modern Features negative
Reviewers frequently request the addition of features common in other banking apps, such as Zelle, the ability to lock/unlock debit cards, transaction notifications, and in-app transaction categorization.R10R17R30R53
Customer Service positive
Despite app issues, many users consistently praise the Georgia's Own Credit Union for its excellent customer service, helpful employees, and responsiveness when contacted directly.R14R19R20R24

Who it's for

This app is for existing Georgia's Own Credit Union members who primarily need to perform basic banking tasks like checking balances and making simple transfers, and who are willing to contact customer service or use the website for more complex issues R26R38. It is not for users who expect a highly stable, feature-rich mobile banking experience with advanced card management, comprehensive credit card details, or reliable bill pay functionality R10R16R47R82.

Evidence note: The recent reviews skew heavily negative, with many users reporting issues that contradict the developer's update notes about performance improvements. While there are positive reviews, they often praise the credit union itself rather than the app's current state, or focus on basic functionality that is still working.

Frequently asked

Does the Georgia's Own app support account reordering?
No, recent updates to the Georgia's Own app have removed the ability to reorder accounts, forcing a fixed display order of savings accounts first and then checking accounts R2R3.
Can I pay my Georgia's Own credit card bill through the app?
Many users report that the app has limited functionality for credit cards, often not allowing direct bill payments or access to transaction details, sometimes requiring external links or a desktop computer R16R82R137R152.
Are there issues with mobile check deposits in the app?
Yes, several users experience problems with mobile check deposits, including the app misreading the check amount or crashing during the deposit process R21R99R128R235.
Does the app offer Zelle or card locking features?
No, users frequently request features like Zelle and the ability to lock or unlock debit cards, indicating these functionalities are not currently available in the app R10R30R53R58.

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. [R7] 5/5 · US Wooooo!: Easy to use, very secure, best banking app I’ve had.
  2. [R9] 5/5 · US Good app: Does what I need for banking
  3. [R15] 5/5 · US Great app: Excellent app 👍👍
  4. [R26] 5/5 · US Easy: Easy to use. All the information I need. Can message the bank
  5. [R14] 5/5 · US Love GA’s Own: This credit union is so helpful! They always credit my account immediately when I deposit checks. When my Social Security check arrives it is immediately credited to my account and I can use that money to pay my bills while some of my friends banks do not allow them access to their money early. When I do go in n Georgia Own they are the friendliest employees ever. They are very nice
  6. [R19] 5/5 · US Great place for banking needs!: I’m been a satisfied customer for many years!
  7. [R20] 5/5 · US Best bank in GA: In my opinion it's the best bank in Georgia. I've delt with a few other banks but Georgias own has been the best for my situation and helped me. I'd highly recommend them to others.
  8. [R24] 5/5 · US 5 STARS: If I ever had a problem on has been on top of it all I gotta do is give them a call. I love banking with you guys. All you gotta do is keep an eye on your accounts. And thank God they fix it to where you can do banking online. I’m giving you five stars because you deserve it.!!
  9. [R38] 5/5 · US Just what you need: Instant transfers are easy, message center makes for easy notification of travel plans, mobile check deposit… love this credit union and the app is great too.
  10. [R44] 5/5 · US Satisfied customer: Hello everyone my name is Ernest brown i just started using this app this year and i absolutely love it i can go on and on but i want I’ll just say I’m so happy to be part of the team this app makes paying my bills so much easier I’m one happy camper 🥳😎🤩
  11. [R62] 5/5 · US Georgia’s Own: I Love that I am Always notified after logging in to my account to make sure that it was me doing so!
  12. [R1] 3/5 · US Unable to load content please refresh: Get on every page “unable to load content please refresh page” . This error never goes away and this error keeps from you completing transactions whether it’s a profile update / setting or transaction .
  13. [R4] 4/5 · US Little slow: It’s a little slow to register money taken and deposited from my checking account, which makes it a little hard to see what’s in my account, but all in all, Union is great ans I’ve used it for years
  14. [R5] 2/5 · US What’s wrong with this app???: I’ve used this app for years and never had an issue until recently. Every time i log in it takes 2-4 mins for my balance to appear. Like it’s “loading” forever! I’m trying to see my balance as soon as i log in, this delay is annoying!
  15. [R6] 1/5 · US The app is super slow: It’s nice to once it decides to open. It really needs an update.
  16. [R8] 1/5 · US App doesn’t remember device.: The app is decent. Except the “remember device” function is worthless. Every single time I login, which is always from the same and only device I use for banking, it forgets. The “remember” box is a joke.
  17. [R22] 3/5 · US Login issues: Not able to log in to my account
  18. [R35] 5/5 · US Pros and Cons: Love the bank and it’s employees but it is not always convenient to make a trip to the bank. That is where online banking comes in handy BUT not with the current system. It won’t let me in even if I absolutely did put in the correct sign in info and then it tells me to “try again” but can’t lear that message off to do so! Soooo frustrating!!!
  19. [R50] 3/5 · US Used to work better: For some reason the latest versions keep logging me out. Other than that annoyance, it’s a well done app.
  20. [R2] 1/5 · US Account Sorting: You used to be able to put your accounts in any order you wanted, based on your own prioritization. The app now forces you to show all savings accounts first and all checking accounts second. I want to be able to see my highest priority accounts first without a forced checking/savings grouping.
  21. [R3] 1/5 · US Reorder Accounts Missing: Where did the reorder accounts on the mobile app go ? I called in and they said the new update is just the way it is. Not very customer focused.
  22. [R45] 1/5 · US Bill pay: With some upgrade the bill pay has completely changed. It’s not good at all for mobile user and I have the latest iPhone. The previous views and actions were much much easier. Please see about improvements for mobile view.
  23. [R47] 1/5 · US New bill pay is useless: The new bill bay interface is absolutely horrible. The previous update sucked enough, but this new version makes it impossible to pay bills within the app. Maybe hire someone who actually knows how apps should work, how users actually want to be able to use the app.
  24. [R16] 1/5 · US Needs improvement: All you can see is balances on this app. I have a credit card through them & I can’t see any of the transactions only the balances! It doesn’t even tell me when & how much my minimum payment is. Whats the point of the app if I can’t see minor things like this?? I can pay online & THEN it says what to pay but all of that should be on main page. It’s a frustrating & behind app. Pl
  25. [R40] 3/5 · US Credit card access: There are no details for the credit card I have on file. It would be helpful to review the details of the credit card
  26. [R82] 1/5 · US Will rate low until we can pay our credit card: Since Ga Own still doesn’t let you pay your credit card bill from the mobile site (even after switching to desktop mode), the Card app is completely broken, and this app refuses to allow you to pay the bill, I will continue to rate it one star. Please add some sort of functionality to pay the credit card bill on a phone. This has been an issue for ov
  27. [R137] 1/5 · US Amazingly Bad: It’s amazing how bad this app is. I have a credit card and a car loan and I can’t even pay them thru the app. You have to go to an external link. You can’t even download statements from the app. The app just shows you number essentially. I can’t believe how bad this app is, especially in 2022
  28. [R21] 3/5 · US Check deposit: Overall a good app, but I wish it would read checks for deposits better. I often run into it misreading the amount.
  29. [R99] 2/5 · US Depositing checks is tricky: Lately, when I try to deposit a check with the app, I get repeated error 499s that say the amount I entered doesn’t match the amount detected. After a dozen or tries, the deposit goes through. Very frustrating and didn’t used to happen.
  30. [R128] 1/5 · US Mobile deposits crash app!: I mean really, what’s the point? There isn’t a branch nearby but I opened my account anyway since I could deposit checks via the app. Every time it takes a picture of the front of the check, the app crashes.
  31. [R235] 1/5 · US Check scanning doesn’t work.: Practically the whole point of my dl this app was for check deposit via mobile. It never works when i need it!!!
  32. [R10] 1/5 · US Could be much better: There’s no way to manage locking and unlocking your card with this main app. The separate card manager app is worthless/non functional and needs to be removed. It never let me past the enrollment screen. Because there’s no easy way to lock your card when you’re not using it I decided to go without one. Also, don’t use a VPN when using the app. I got locked out and had to do f
  33. [R17] 5/5 · US Ability to lock account: I love the mobile app. I do wish this app had the ability to lock if the member needed to lock it for any reason. This would be a plus
  34. [R58] 5/5 · US Card: I think Georgia Own need to have it that customers can lock and unlock their debit cards on the mobile app.
  35. [R242] 3/5 · US Ok, but missing some things: Lacking a few things: Zelle Ability to freeze and reorder debit card Ability to set up debit card notifications such as transactions over a certain dollar amount.
  36. [R80] 1/5 · US Screen orientation: The updated app forces me to turn my iPad vertical. Whis it was horizontal like the old version. I can’t find a setting to change it.
  37. [R84] 3/5 · US Used to be 5 stars: Why did you change the app so it is only in portrait mode now? I use my iPad in landscape mode most of the time. The app used to switch to landscape mode. Please bring this back and I’ll put the stars back to 5.
  38. [R149] 1/5 · US App for iPad is virtually useless: If you’re going to make an iPad app, use the extra screen space to make it more efficient. We buy iPads because of the larger screen space. All you’ve done is forced orientation to landscape, and used the exact same app that’s on the iPhone. This is not useful to me. In fact I’ve saved the actual website as my go-to way of accessing my account on my iPad. I’ve de
  39. [R30] 5/5 · US Good but we need Zelle: Can you become a Zelle partner!?
  40. [R53] 5/5 · US Send money: I love the app. I just wish there was a way to send money to family.
  41. [R74] 3/5 · US Good but could be better: I love Georgia’s Own as my bank and the App is good but I would love to see the ability to recategorize my transactions in the app and not just on the website.
  42. [R134] 3/5 · US It’s very basic: It gets the job done as long as you remain local. When you travel, your account may be deactivated after the first withdrawal. I don’t use it for bill pay. Zelle is needed!
  43. [R152] 2/5 · US Wish my credit card was still available on the app!😠: Wish my credit card was still available on the app!😠 I don’t know why they separated the two websites and it’s cumbersome.

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