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

All In CU

55
User verdict / 100 High confidence Divided

The All In CU app offers convenient mobile banking for many users, but recent updates have introduced significant usability issues, frequent crashes, and persistent login problems, contradicting the developer's claims of general improvements.

4.8★ lifetime (13,966) Free to download since 2011 by All In Federal Credit Union updated 0.2 mo ago recent negative 18% 120 reviews across 1 regions
App Stability Mobile Deposit Usability & Updates Login & Access Rating Prompts Missing Features Positive Banking Experience
5★179
4★16
3★9
2★8
1★38
recent reviews across 1 regions, vs the 4.8★ lifetime average

The All In CU app generally provides essential banking functions, with many users appreciating its convenience and ease of use for managing accounts and making transfers. However, recent updates have led to widespread complaints about the app's instability, including frequent crashes, failure to load, and difficulties with features like mobile check deposit and bill pay.

What users like

  • Convenient for basic banking and account managementR5R3R73R105
  • Mobile check deposit is appreciated by some users for its ease of useR90R102
  • Good customer service from the credit union itselfR21R74R36
  • Secure banking experienceR77R109

What users complain about

  • Frequent app crashes and failure to load account informationR4R26R30R85
  • Mobile check deposit is unreliable and often fails to recognize imagesR18R72R81R56
  • New bill pay system is less user-friendly and lacks features of the old versionR1R20R24
  • Persistent and annoying prompts to rate the appR6R7R11R12
  • Difficulty logging in or confirming identity, with OTP issuesR14R54R62R235
  • Delayed transaction updates and issues with displaying current balancesR48R51R106
  • Lack of features like freezing cards, external transfers, or paying credit cards within the appR92R95R114R120

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

App Stability negative
Many users report the app frequently crashes, fails to load, or displays errors like 'not connected to the internet' even when connected. This directly contradicts the developer's notes about bug fixes.R4R26R30R85
Mobile Deposit negative
A significant number of users experience issues with mobile check deposit, citing unreliability, difficulty recognizing clear images, and longer processing times after updates. Some users also report being unable to use this feature due to past charge-offs.R18R72R81R56
Usability & Updates negative
Recent updates are frequently criticized for making the app worse, more confusing, and less intuitive, particularly regarding bill pay and general navigation. Users express frustration with changes to features that previously worked well.R10R20R1R24
Login & Access negative
Users report problems logging in, including issues with one-time passcodes not appearing, being logged out unexpectedly, or the app stating 'invalid timestamp'. Some also cannot view account information consistently.R14R54R62R235
Rating Prompts negative
Many users are annoyed by constant prompts to rate the app, even after they have already done so.R6R7R11R12
Missing Features negative
Reviewers desire additional features such as the ability to freeze cards, make external transfers, pay AACFCU credit cards within the app, or link to credit cards.R92R95R114R120
Positive Banking Experience positive
Despite app issues, many users express strong satisfaction with All In Credit Union itself, praising its customer service, helpfulness, and overall banking experience.R2R3R21R23

Who it's for

This app is for existing All In Credit Union members who need basic mobile banking functions like checking balances and making simple transfers, and who are willing to tolerate frequent technical issues and a less intuitive interface R5R73R105. It is not for users who rely on consistent mobile check deposit, a seamless bill pay experience, or advanced features like freezing cards or paying credit cards through the app R1R20R81R95.

Evidence note: The recent reviews skew significantly negative, with many users expressing frustration over recent updates. This contrasts sharply with the high lifetime rating of 4.8, suggesting a recent decline in app quality. The developer's notes are vague and do not specifically address the common issues reported.

Frequently asked

Does the All In CU app allow mobile check deposits?
Yes, the All In CU app has a mobile check deposit feature, but many users report it is unreliable, frequently failing to recognize clear images, and sometimes taking longer to process checks than in previous versions R18R72R81R38.
Can I pay my All In Credit Union credit card through the app?
No, several users report that the app does not offer an option to pay All In Credit Union credit cards, requiring them to use the website instead R84R120.
Are there frequent technical issues with the All In CU app?
Yes, many recent reviews indicate frequent technical issues, including the app crashing, failing to load account information, displaying 'not connected to the internet' errors, and problems with login and identity confirmation R4R26R30R85.
Has the bill pay feature changed recently?
Yes, recent updates have changed the bill pay system, with many users finding the new version less user-friendly, more confusing, and lacking the simplicity and clear overview of scheduled payments that the old version offered R1R20R24R40.

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. [R5] 5/5 · US So Convenient: So thankful this app is super easy and convenient. Makes some part of our life easy.
  2. [R3] 5/5 · US Love All In: Love the app features
  3. [R73] 5/5 · US Sufficient: I really love this App. I do all of my banking on the App. Very convenient. ❤️
  4. [R105] 5/5 · US Easy to use: I love having all of my accounts available in one place. Being able to transfer money with a few clicks is amazing. Great app!!
  5. [R90] 5/5 · US Great services: Since banking with this institution/when MCFCU merged in 1995?/ I haveThe mobile deposit feature was the added feature that made having All In CU a complete ease with 280 miles from my nearest branch. Thanks for 20 plus years of gray service!😁always had courteous and professional service. The mobile deposit has been my favorite addition since I live in NE MS. Thanks to all departme
  6. [R102] 4/5 · US Easy to use app: Love the ease of depositing checks on the app and keeping up with mine and my kids’ balances all in on place. I just wish I could choose to deposit the check into savings.
  7. [R21] 5/5 · US All in CU: I love banking it all in credit union. They are fantastic people to work with help you resolve any issues you may have with your accounts.
  8. [R74] 5/5 · US Best customer service.: All you have to do is call or stop by and they always take care of you.
  9. [R36] 5/5 · US Always Great Service: I have been a member of All In CU since 1982 when it was AACFCU. Always have received outstanding service, on all the spectrum of services, at every branch. I’ve done mobile and web site banking with them and have never had any problems. Their app is one of the most comprehensive yet easiest to use. A great banking institution. Will always be a member.
  10. [R77] 5/5 · US Amazing: The best credit union hands down. My money is always secure and on time
  11. [R109] 5/5 · US Army: Best banking system I have used I had other banks get hacked But never with this credit union
  12. [R4] 1/5 · US Can’t even see what I got…: App doesn’t like to load most days. This update is the worst one yet.
  13. [R26] 3/5 · US App Issues: The app is awesome! But I can’t open the app sometimes AT ALL and have to completely delete the app and download it again. This has happened multiple times and it is frustrating at this point. Please fix this!!
  14. [R30] 1/5 · US App: App doesn’t load
  15. [R85] 1/5 · US Unable to display account information: I am able to access my account via my desktop but I cannot on the mobile app. It says unable to display account information, please try again later. I’ve been getting the same error for weeks inconsistently. Some days it works, others it does not. It is now to the point where it does not work at all. App needs improvement.
  16. [R18] 1/5 · US App crashes often: App crashes repeatedly when using the mobile check deposit
  17. [R72] 1/5 · US Mobile Deposit issues: I’ve had multiple issues with deposit mobile. Taking picture on contrast background, all edges visible, and everything shows up crystal clear yet it says “image not recognized”… So frustrating
  18. [R81] 1/5 · US Awful: Mobile check deposit is not reliable. It doesn’t work on a consistent basis. It says image can’t be read and it’s clear. It doesn’t matter if it’s taken on a dark or a light background. Very inconvenient for someone who gets paid travel and needs to deposit frequently.
  19. [R56] 4/5 · US Unreliable: Sometimes for no reason refuses to accept the pictures.
  20. [R1] 2/5 · US Bill pay: I don’t like the new bill pay and you can’t use the app to turn bills on or off .
  21. [R20] 3/5 · US Used to be great once: What used to be a great banking app is now marginal and frequently doesn’t work. All they had to do was NOTHING! Literally don’t mess with it. Now it’s counterintuitive on usability and bill pay frequently doesn’t work. I just don’t understand the need to mess something up that worked great. But not now!
  22. [R24] 1/5 · US Recent BillPay update is awful: No easy way to schedule all payments and can’t see what is scheduled without completely opening the recipient. Go back to old drag the date method with a list of planned payments easily seen.
  23. [R6] 5/5 · US Stop forcing me to write a review: Doing this so maybe I can quit being prompted. It’s very annoying
  24. [R7] 3/5 · US Please stop asking me to rate the app: All In is a great bank though
  25. [R11] 1/5 · US Annoying: Being asked to give the app a rating each time I log in is annoying, especially after I already gave a rating.
  26. [R12] 2/5 · US Tired of the review questions: I have reviewed the app with stars multiple times and it keeps coming up every time I open the app.
  27. [R14] 1/5 · US No Way to log in for the first time: When attempting to log in for the first time, you add your username & password, then get the option to receive an otp. You receive it, but there is no screen for you to enter it in🙈.
  28. [R54] 5/5 · US App isn’t working: I’m able to download the app and sign in then it wants to ‘confirm its me’. When I hit confirm it gives the option to call for confirmation. When I hit that it gives a ‘calling’ signal but the call never actually comes through. Therefore I can’t confirm it’s me leading to not being able to use the app. This has been happening for almost 2 months now.
  29. [R62] 3/5 · US The app: Something is wrong with the app it has logged me completely out with out me even knowing and i tried to put my password in but it didn’t work its a good bank but bad app!!!
  30. [R235] 2/5 · US Invalid timestamp?!: This app is horrible! I used to love it, but now it's not even working for me! It says invalid time stamp, and when it texts me to confirm my identity, nothing happens. Disappointed. :(
  31. [R48] 1/5 · US here: my check isn’t hitting at its normal time
  32. [R51] 1/5 · US Not on time: Not seeing transactions coming out right away. Delayed transactions. This is not good for business.
  33. [R106] 4/5 · US Don’t trust the amount it shows: Love the app just wish it stayed up to date and the pending amounts were not $0. If the app updated with every purchase or withdrawal ext. also don’t trust it with the amount for balancing
  34. [R92] 5/5 · US Love it all! Just 1 thing: Please include external transfers on the app
  35. [R95] 1/5 · US Features: It need more features on the app like to be able to freeze your card from the app. KEEP IN MIND Y’ALL DON’T have a 24/7 CALL CENTER. Needs to have something where you can budget yourself. To be honest go open an account with Navy Federal and download their app. It has everything y’all app need to get
  36. [R114] 3/5 · US Does what it’s intended to do: Does your basic banking, nothing more, nothing less. Why can’t the app could be linked to my AACFCU credit card??
  37. [R120] 2/5 · US Needs a way to pay AAFCU credit card: Great app if you just want to use for transferring money between savings and checking. Worthless if you want to pay your credit card on your phone.
  38. [R10] 3/5 · US Decent: I used to love the app its simplicity was always nice and easy to check your bank account. They keep doing updates and adding more and more and changing things in the app it’s honestly just overall a worse app now which I is why I’m writing this review I don’t want to go thru hoops and bounds to check a number
  39. [R2] 5/5 · US All in attention: All In Credit Union has done me right I’ve transferred virtually everything I have into their institution no hiccups no regrets
  40. [R23] 5/5 · US The Best: After seeing firsthand how they dealt with my Aunt who has had an account with them for decades, I was extremely impressed. I highly recommend using them for any of your banking and saving needs. Plus more. They are professional, courteous and kind. Top notch Service!
  41. [R38] 1/5 · US Mobile Check Deposit: Stop updating the system so much. It used to take 2 hours for checks to be processed on Fridays and now it takes 5 hours. Also, stop sending confirmation emails. The systems was working better 6 months ago than it is now.
  42. [R84] 1/5 · US No credit card payment option on mobile app: ALL IN CREDIT UNION members Desperately need the option to make our credit card payments from the mobile app instead of having to go on the website , every other bank allows you to make payments From the mobile app, considering canceling my credit card for this reason..
  43. [R40] 2/5 · US Confusing: This is one of the only apps I’ve ever used that makes me feel dumb. It’s difficult for me to just make a payment. Have to go through external account prompts instead of just clicking a pay button. If you guys do auto loans for people you need to streamline the bill pay better than a lot of this

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