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

5Point Credit Union

65
User verdict / 100 High confidence Divided

The 5Point Credit Union app is generally praised for its ease of use and convenience for basic banking tasks like checking balances and transferring money, but recent updates have introduced significant issues with mobile check deposits, app stability, and bill pay loading times.

4.8★ lifetime (5,160) Free to download since 2011 by Fivepoint Credit Union updated 0.2 mo ago recent negative 5% 120 reviews across 1 regions
Ease of Use Convenience Mobile Deposit Issues App Stability & Login Missing Features
5★135
4★15
3★11
2★5
1★4
recent reviews across 1 regions, vs the 4.8★ lifetime average

The 5Point Credit Union app is widely appreciated for its user-friendly interface and convenience in managing accounts, making transfers, and paying bills. However, recent user experiences highlight persistent problems with mobile check deposits, slow bill pay loading, and occasional app crashes or login failures. Despite these recent issues, the app maintains a high lifetime rating, suggesting a recent decline in performance.

What users like

  • Easy to use and navigate for basic banking functionsR1R6R8R9
  • Convenient for checking balances and transferring moneyR30R33R36R37
  • Mobile check deposit is available and appreciated by some usersR15R45R48R53
  • Supports Touch ID/fingerprint for quick and secure accessR47R54

What users complain about

  • Mobile check deposit feature is frequently buggy, fails to accept checks, or doesn't show deposits correctlyR14R23R24R58
  • App experiences frequent errors, crashes, or fails to open/loginR7R13R18R29
  • Bill Pay is slow to load or has limited editing functionalityR11R114
  • Lacks modern features like an updated widget for balances, Zelle integration, or fingerprint login for all usersR10R28R56
  • Design is considered messy or plain by some usersR7R113
  • Slow performance and loading timesR11R27R31

Latest update · v2026.4.2.1

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

Mobile Deposit Issues negative
Many users report significant problems with the mobile check deposit feature, including checks not showing up, the app denying access to the section, or difficulty getting pictures clear enough for acceptance. This contradicts the developer's general 'bug fixes' claim.R14R23R24R58
App Stability & Login negative
A notable number of recent reviews mention the app not opening, frequent application errors, or login issues where passwords work on the website but not in the app. This directly contradicts the developer's claim of 'general improvements, enhancements, and bug fixes'.R7R13R18R29
Ease of Use positive
A large number of users consistently praise the app for being easy to use, navigate, and efficient for everyday banking tasks like checking balances and transferring funds.R1R6R8R9
Convenience positive
Reviewers frequently highlight the convenience of having banking services at their fingertips, saving trips to the bank, and managing finances on the go.R15R33R37R38
Missing Features negative
Some users desire additional features such as an updated iOS widget for balances, Zelle integration for instant transfers, fingerprint login (for those who don't have it or where it's not working), better credit card transaction history, and the ability to edit bill payments instead of just canceling them.R10R28R35R56

Who it's for

This app is for existing 5Point Credit Union members who need a convenient way to check account balances, transfer money between accounts, and pay bills R30R37. It is particularly useful for those who live far from a branch or need to manage finances on the go . However, users who rely heavily on mobile check deposits or expect a highly stable and feature-rich app with instant payment options like Zelle might find it frustrating R24R28.

Evidence note: The recent reviews skew negative, with many complaints about mobile deposit and app stability. This contrasts with the very high lifetime rating, suggesting a recent decline in app quality or user experience. The developer's release notes are generic and do not specifically address the common issues reported in recent reviews.

Frequently asked

Does the 5Point Credit Union app support mobile check deposits?
Yes, the 5Point Credit Union app offers mobile check deposit functionality, but many recent users report it is buggy, often fails to accept checks, or does not correctly display the deposited funds R14R24.
Are there any known issues with the app's performance or stability?
Yes, recent reviews indicate that the app can be slow, experience frequent application errors, crash, or fail to open or log in for some users R7R11R13R18.
Can I use fingerprint or Touch ID to log into the app?
Yes, the app supports Touch ID for quick and secure access, which is appreciated by users R47R54.
Does the app offer advanced features like Zelle or customizable account names?
No, the app currently lacks features like Zelle for instant payments and does not allow users to see linked accounts with custom names, instead defaulting to generic titles R10R28R40.

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. [R1] 5/5 · US Perfecto: I love this easy
  2. [R6] 5/5 · US Gold star for 5 point: 5Point is wonderful! The app is easy to navigate. I wish they had a virtual teller.
  3. [R8] 5/5 · US 5Point Bank App: It’s great very easy to use and super efficient. Great job guys!
  4. [R9] 5/5 · US Use with ease!: This is app is informative and user friendly!
  5. [R30] 5/5 · US My 5Point experience.: Love how easy the 5 point app is always easily displayed between my accounts, my loans, and credit cards. Super easy to pay and move my money around. Also, always full of friendly and helpful staff at their establishments.
  6. [R33] 5/5 · US Love the App...and FIVE Point: Love the App..makes banking so convenient. Employees are always so nice and helpful.
  7. [R36] 5/5 · US Love it, so helpful: I use this app all the time to do all my transactions
  8. [R37] 5/5 · US Love this app: This is a great app. I have all my balances at my fingertips. I can move money, pay bills, whatever. I never have any issues with this app either. Great!!
  9. [R15] 5/5 · US Thanks five point: Thank you for making it easy convenient to check my account deposit checks the very good courtesy I do have when I go to the bank and see the friendly faces and smiles
  10. [R45] 5/5 · US Love this app: I use it all the time. My favorite thing is the mobile check deposit! So easy and convenient! I highly recommend it to all users!
  11. [R48] 5/5 · US Great app: This is a great app and let's me do my online banking. Including deposit checks! Also, I have been with this credit union for 30 years and it is better than any other financial institution.
  12. [R53] 5/5 · US Exceeds all Expectations: I've gotten use to this app, and had begin to take it for granted. I don't think I've purchased a Postage Stamp since I begin using "Pay Bills" included on this app. Then comes "Make a Deposit". That's right, this utility allows the user to take a
  13. [R47] 5/5 · US Great app: Really great app! No problems so far! Like that you can use your print for quick and secure access! Just used the transfer part of the app today! It's works great! Kudos to y'all
  14. [R54] 5/5 · US Love it!!: Love the Touch ID feature. Quick and easy to use
  15. [R14] 3/5 · US Check depositing: Since the app has been updated everytime I deposit a check it does not show up in my accounts. The check will be accepted and the money in my checking will remain unchanged. I have to transfer money to my savings in order for it to change or sometimes it doesn’t even show any accounts eligible for transfer so that I can have it change. When I call 5 point to ask why my check isn’
  16. [R23] 4/5 · US iPhone 12 Pro Max: Have always loved the app until I got the new iPhone now I can’t deposit checks with the app. Please do an update to resolve this.
  17. [R24] 1/5 · US Nice customer service, Bad app: The app is mostly straightforward to use; however, my check deposit section glitches and denies me access to it. I have talked to customer service to get it fixed and they tried to but it still doesn’t allow me to access that part which means I always have to drive over there to deposit checks. Not to mention that their online money transfer goes through Pop-Money w
  18. [R58] 3/5 · US App: I love having the convenience but it doesn't always work when I need to deposit a check. It cuts off or refuses the pics sometimes.
  19. [R7] 2/5 · US Awful Design: I had the website bookmarked on my phone & computer forever. I wish I hadn’t removed it for this app. This is a total mess. Every time I make a change & then go back to fine-tune it, I get an error message. It doesn’t matter what the change is - account preferences, display preferences, etc. I tried adding the bookmark back but it looks different now. I really hate this messy app!
  20. [R13] 1/5 · US The app will not open and I can not check my accounts: IPhone pro 13 App won't open
  21. [R18] 3/5 · US Not working: The app won't allow me to login any longer. My password works on the website but not on the app.
  22. [R29] 2/5 · US Not reliable: 5 Point will send emails encouraging the use of the mobil app, yet the app has CONSTANT application errors. Not reliable at all.
  23. [R11] 1/5 · US Bill Pay is so slooooooow to load in app: I’ve been a member of 5 Point for 20+ years and a user of the app as soon as it came online. There must have been an update or change to a different OLB platform because Bill Pay used to be quickly responsive, but now it takes a very long time to load in app. Annoying for the individual who counts on the convenience of OLB to manage banking tasks quickly.
  24. [R114] 3/5 · US Could be better: It is ok, but I really liked when you could edit your bill payments, not just cancel it.
  25. [R10] 3/5 · US Widget iOS18 update: Will there be an update for the widget so we can see our balance?
  26. [R28] 4/5 · US Works great!: I haven’t had any problems with this app! I can’t wait for y’all to have Zelle Pay options (or another payment app) built in so I can take care of small business payments easier and in one place!
  27. [R56] 3/5 · US Update: It would b nice if it had the update where I can use my fingerprint to access my accounts. Let's catch up to the times and don't let the other banking apps out perform the app.
  28. [R113] 3/5 · US Very plain: This is a very plain Jane app. You can do very little through it. It's great if you need to check your balance and nothing else. You can transfer money. Cancel bill pay and that's about it. No check deposit options or any other features.
  29. [R27] 2/5 · US Slow: It’s real slow sometimes
  30. [R31] 4/5 · US Glitch on money: Takes to long to load sometimes. Doesn’t show my deposits when they are deposited.
  31. [R38] 5/5 · US 5 Stars for 5point: This app is truly amazing! I use it daily to keep tabs on my accounts and/or to locate ATM's or stores near me. You may also use the app to apply for loans. Everything is right in the palm of your hand, SERIOUSLY! If you don't already have the app, download it NOW!
  32. [R35] 3/5 · US Credit card history: There should be a view of transactions on your credit card purchases
  33. [R40] 3/5 · US Could use some tweaks: Overall it does the main thing: access to your accounts and mobile deposits. But it would be AMAZING if I could see linked accounts with the names they're given by the account holder. Instead of "money market", the default, the account holder specified that account as "baby supplies". I would love to see the latter title rather than have to try to remember which account is w

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