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Updated July 2026 · real, multi-region App Store reviews
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The verdict on

Central Bank

65
User verdict / 100 High confidence Divided

The Central Bank app is generally praised for its ease of use and comprehensive features, but recent updates have introduced significant login issues, performance slowdowns, and mobile deposit failures that contradict developer claims of stability.

4.9★ lifetime (54,948) Free to download since 2010 by Central Bancompany, Inc updated 2.0 mo ago recent negative 13% 120 reviews across 1 regions
App Stability & Performance Ease of Use Mobile Deposit Customer Service Transaction Visibility
5★192
4★11
3★13
2★6
1★27
recent reviews across 1 regions, vs the 4.9★ lifetime average

Central Bank's mobile app is widely regarded as user-friendly and efficient for managing finances, with many long-term customers expressing satisfaction. However, recent updates have led to a noticeable increase in negative feedback concerning login errors, app crashes, slow performance, and unreliable mobile check deposits.

What users like

  • Easy to use and navigate with a simple interfaceR3R5R6R8
  • Offers essential banking features like mobile deposit and account trackingR6R12R13R24
  • Provides good security features, including Face ID loginR45R64R83R95
  • Many users have positive experiences with Central Bank's in-person and phone customer serviceR1R4R5R6

What users complain about

  • Frequent login issues and app crashes, especially after recent updatesR62R69R70R71
  • Mobile check deposit feature is unreliable or not working for many usersR80R105R140R236
  • App performance is slow, with long loading timesR55R65R66R68
  • Transaction details are often insufficient or slow to updateR44R52R106R143
  • Some users find the app or online banking difficult to navigate, especially with new layoutsR20R34R109R222
  • Holds on deposited checks can be excessively longR10R26R55R68
  • Lack of in-app support or easy ways to report issuesR44R151
  • Account locking due to 'suspicious purchases' algorithm is overly aggressiveR144

Latest update · v4.10.0

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

Watch App - It’s Time! Access your bank accounts from your smartwatch. Check balances, view transactions, and lock your card – all from your wrist. Report Card Lost/Stolen - Now you can report your card as Lost, Stolen, or Never Received from within the app! Go to the Card Management page and select “Report Card Lost/Stolen” to close your card and order a new one. - Sports Widgets Rep your team from your home screen! Add the Central Bank shortcut widget and choose from the Missouri Tigers, St. Louis Cardinals, Kansas Jayhawks, or Sporting KC. - Mobile Check Deposit Enhancements and Improvements Depositing checks is now even easier: the app will auto-focus on your check and take the picture for you! We've also made additional subtle improvements to ensure depositing checks is as easy and error-free as possible.

Recurring themes

App Stability & Performance negative
Many recent reviews report significant issues with the app crashing, freezing, or failing to load after recent updates. Users experience difficulty logging in, with errors, forced re-installs, or being booted out of the app. Performance is also frequently described as slow.R62R65R66R69
Mobile Deposit negative
A recurring complaint is the unreliability of mobile check deposits. Users report issues with the app not taking pictures, giving internal errors, or simply not working, which is particularly frustrating for those without local branches.R10R26R55R68
Ease of Use mixed
While many long-term users praise the app as simple, easy, and intuitive, a notable number of recent reviews, especially after updates, describe it as difficult to navigate, not user-friendly, or having a confusing new setup. The 'secret word' login requirement is also a point of frustration.R3R5R6R8
Transaction Visibility negative
Users report that transaction details are not always comprehensive, up-to-date, or easy to find, with online purchases sometimes taking days to appear. Some miss the old setup for viewing transactions and pending items.R44R52R106R143
Customer Service positive
Despite app issues, many reviewers consistently praise the bank's customer service, both in branches and over the phone, for being friendly, helpful, and responsive. However, some recent experiences with customer service have been negative, particularly during transitions or when dealing with app issues.R1R4R5R6

Who it's for

This app is for existing Central Bank customers who value a generally simple banking app and good in-person customer service R4R5. It might be suitable for those who primarily use the app for basic account checking and transfers R24. It is NOT for users who rely heavily on mobile check deposits R140R236, expect fast app performance R65, or need consistent, glitch-free login experiences R69.

Evidence note: The recent reviews show a clear negative trajectory for app stability and performance, directly contradicting the high lifetime rating. While many positive reviews praise the bank and the app's general ease of use, the recent negative feedback is highly concentrated on critical functionality issues like login and mobile deposits. The developer's release notes mention new features like a Watch App and card reporting, but these are not widely discussed in the recent reviews, which instead focus on core app failures.

Frequently asked

Does the Central Bank app support mobile check deposits?
Yes, the Central Bank app offers mobile check deposit functionality, but many recent users report it is unreliable, frequently fails to take pictures, or gives internal errors R80R105R140R236.
Is the Central Bank app easy to use?
Many long-term users find the Central Bank app easy to use, simple, and intuitive for managing their accounts R3R5R8, but recent updates have led to some users finding it difficult to navigate or experiencing a confusing new setup R20R34R109R222.
Are there issues with logging into the Central Bank app?
Yes, many recent reviews indicate significant issues with logging into the Central Bank app, including constant errors, being booted out, requiring re-installs, and difficulty with verification steps like the 'secret word' R62R69R70R82.
How quickly do deposits clear in the Central Bank app?
Mobile deposits in the Central Bank app are often reported as slow, with funds taking too long to show up in the account, including week-long holds on local checks R10R26R55R68.

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 App: Great app for a bank! Super simple
  2. [R5] 5/5 · US Review: Cannot say in words how easy the app is to use. I love going into the bank as well the employees are always willing to help and you don’t have to wait, someone will help you extremely fast,we needed to get a paper notarized and we got in door walked to counter one of the cashier came very fast to help us, the girl came from behind counter and helped us with everything. The mobile app is
  3. [R6] 5/5 · US Simple, works: It’s simple and it works. It has mobile deposit. I’ve used it for years and a few times I’ve had to call the bank. They were always very helpful.
  4. [R8] 5/5 · US Great app, great bank!: This app is awesome. Super easy to use. I have used Central Bank for my whole life and have had nothing but good experiences!
  5. [R12] 5/5 · US Ozark North: Greatly Appreciate being able to use mobile and its extremely easy to use.
  6. [R13] 5/5 · US Easy Access for Mortgage: The Central Bank app enables me to log in easily and track our mortgage status, make adjustments, etc. Love it when apps make life easier.
  7. [R24] 5/5 · US Easy: Easy to use, quick and efficient. Saves time! Quick access to all our accounts.
  8. [R45] 5/5 · US Central Bank: My name is LeeAnn. I’m a client through Central Bank. I have an account through them actually my husband and myself do we have a short account Central Bank is pretty awesome. I love the fact that if you have money, that has been withdraw out of your account it’ll notify you and it’ll tell you about unusual activity. The only thing I do not like about Central Bank is a can go to the b
  9. [R64] 5/5 · US One of the easiest: One of the easiest apps to navigate and I love the extra amount of securityy it has
  10. [R83] 5/5 · US Security: I’ve been very pleased with the help love received! Thank you!!!
  11. [R95] 5/5 · US Great App and Bank: This app is very easy to use. I can use FaceID to log in and the app allows me to to send money to people, deposit checks remotely, and check my activity. It works well. I have always had good experiences with the app and with the people when I go into the bank.
  12. [R1] 5/5 · US Review: Been with them for years especially the Lawson branch great people work there
  13. [R4] 5/5 · US Respect: I love my local bank! Great service and the app is amazing. Thank you for all you do.
  14. [R62] 1/5 · US Ughhh: The login process for this app is so annoying
  15. [R69] 1/5 · US Logging in errors.: Used to be able to log in with the app with no issues for several years now. These last several months (almost over a year now), whenever I get to the verify your identity section and enter the temporary code, I get an login error pop up as well as a notification that there was a successful login. I can log in if I uninstall and the reinstall the app, but only the first time.
  16. [R70] 1/5 · US App not working, please fix.: This app has naan stable and reliable for years. As of 2/4/24 when I fill out login information and hit done, it closes. That happens with fingerprint login too. Please fix!
  17. [R71] 2/5 · US App: Trying to login to the app and it keeps booting me out. Tried deleting the app and reinstalling and still does the same thing. Tried rebooting my phone and that didn’t help. Finally had to just delete the app altogether and log on via internet safari
  18. [R80] 1/5 · US Deposit problems: Won’t let me deposit checks.
  19. [R105] 1/5 · US Mobile deposit app not working: Mobile Deposit App is showing double squares to take picture for mobile deposit and does not allow a way to take picture! Nit working! Can’t reach anyone after hrs to report this! Please fix this!
  20. [R140] 1/5 · US Crap App: Mobile deposit NEVER works. Living 35 miles away the mobile version was main reason I chose to stay at bank. Except it never works. Always giving internal error message and not taking deposits. Calling is waste of time-they only tell you drive to bank and make a deposit which defeats purpose.
  21. [R236] 1/5 · US Depositing by mobile is a joke: I have tried numerous times to deposit checks by using the mobile app. I have managed to make a deposit exactly once. I tried again today and it kept telling me that my picture wasn’t good enough. The picture was perfect, clearly readable, the entire check was pictured and it was sharp and distinct. So if your goal is to deposit checks by mobile, forget it. Go somew
  22. [R55] 3/5 · US Slow: Central bank has been around for a long time but it lives in the stone ages. The mobile deposit takes way too long to show up in the account. Most other banks allow it to show up right away.
  23. [R65] 2/5 · US Slow: App used to load up just fine and now since an update or two ago it has slowed down and takes forever to load.
  24. [R66] 5/5 · US needs update: landing page loads extremely slow approx 3 mins just to open the app
  25. [R68] 1/5 · US Way to slow: Take way to long to approve Mobile deposits
  26. [R44] 3/5 · US No app support: I’ve been trying to figure out a way to report an issue within the app. I’ve tried for the last 30-45 minutes and still can’t find a way. The app tells me I’ve got duplicate charges from merchants I call the merchant to find out it’s false. Calling customer service for bank they tell me to make sure app is latest version. Now it says I’ve spent almost $900. At Dollar General. I che
  27. [R52] 3/5 · US Transactions could be more detailed: This is the second account I have opened up. I have been with Community America for 15 years and I definitely prefer their app over this one. This app does not provide nearly as much detailed and up to date transaction information.
  28. [R106] 1/5 · US Online purchases can take days to show up: Online purchases (like eBay’s through PayPal) can take days to show up. You can buy something online on a Friday night and it doesn’t show up on your balance until Monday. Or in todays case, I bought something last night and it’s 2pm and it still hasn’t shown up on my balance.
  29. [R143] 3/5 · US My account: My account updates is poor
  30. [R20] 1/5 · US Online banking is difficult to use: The online banking is very difficult to use. I would not recommend the online banking.
  31. [R34] 1/5 · US Money Manager: Way too difficult to navigate. Miss the old setup!
  32. [R109] 1/5 · US The worst app ever. Not user friendly , constantly glitches ,: The worst app ever. Not user friendly , constantly glitches ,
  33. [R222] 1/5 · US Do not like the new set up: The new set up is not user friendly. Cannot see the transactions like previously.
  34. [R10] 3/5 · US Deposits: The speed of the deposits needs to be increased !!!!!
  35. [R26] 2/5 · US New Account: The people were great, very nice facility. HOWEVER THEY PUT A WEEK HOLD on a local check for $100 that cleared the account before I woke up the following morning????
  36. [R151] 2/5 · US Lacks features: Anything that you’d want to manage requires a call to the 800 number. Good luck!
  37. [R144] 2/5 · US Algorithm is the worst part.: While this app is simple and easy to use, i hate the algorithm with a burning passion. After a certain point of “suspicious purchases,” it locks you out of your checking account. While I can understand this is a security measure to prevent fraud and the like, there have been way too many instances where I have been out to purchase something (I don’t carry cash on me)
  38. [R82] 3/5 · US Missing secret word!: HATE the secret word requirement! The app works a few times then all of a sudden the secret word I have been forced to choose for my log in is no longer listed and I am either forced to log in on the website or to delete and redownload the app. This has happened over and over! Why!?

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