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

Meritrust Business

55
User verdict / 100 High confidence Divided

The Meritrust Business app receives mixed recent reviews, with many users experiencing critical issues like mobile deposit failures and login problems, despite a high lifetime rating and recent developer notes claiming general improvements.

4.8★ lifetime (8,256) Free to download since 2011 by Meritrust Credit Union updated 0.2 mo ago recent negative 12% 120 reviews across 1 regions
Mobile Deposit Issues Login & Performance General Usability & Convenience Transaction Visibility & Alerts Missing Features
5★187
4★19
3★13
2★8
1★23
recent reviews across 1 regions, vs the 4.8★ lifetime average

The Meritrust Business app, while historically well-regarded, is currently facing significant user frustration due to persistent technical glitches. Recent reviews highlight problems with mobile check deposits, login functionality, and overall app performance, contradicting the developer's recent update notes.

What users like

  • Easy to use for general banking tasks like checking balances and transferring money between accountsR3R29R30R35
  • Mobile check deposit, when working, is convenient and can offer quick availability of fundsR76R79R86R89
  • Bill pay feature is effectiveR67R89R111
  • Provides access to accounts anytime, anywhereR45R59R60R96
  • Good customer service from the credit union itself is frequently praisedR4R26R28R31

What users complain about

  • Mobile check deposit feature is frequently broken, blurry, or requires constant phone rotation, making it unusable for manyR10R11R12R13
  • Users frequently experience login issues, including invalid credentials, white screens, or application errorsR2R54R55R56
  • App is often slow, freezes, or experiences general errors, making it unreliableR38R43R46R48
  • Alert notifications are delayed or inconsistentR1R69R206
  • Pending transactions do not show up quickly or accurately, leading to confusion and potential overdraftsR23R69R72R78
  • Lack of features such as locking/unlocking cards, adding members by name for transfers, or viewing loan payment historyR6R22R25R39
  • Security features like two-factor authentication are not compatible with international phone numbers, hindering overseas usersR195
  • Short timeout duration is frustrating for usersR27

Latest update · v2026.4.2.4

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
A significant number of recent reviews report that the mobile check deposit feature is broken, with common complaints including blurry camera, inability to take pictures, constant prompts to rotate the phone (even when already rotated), and the app crashing or freezing during the process. This directly contradicts the developer's vague 'bug fixes' claim.R10R11R12R13
Login & Performance negative
Many users are unable to log into the app, experiencing 'invalid' credentials despite working on web browsers, white screens, or 'Application Error' messages. Beyond login, the app is frequently described as slow, freezing, or generally unreliable, with errors occurring often.R2R38R43R46
Transaction Visibility & Alerts negative
Users are frustrated by delayed or inaccurate alert notifications for card usage and withdrawals. There are also complaints about pending transactions not showing up promptly or correctly, leading to difficulties in tracking account balances and potential overdrafts.R1R23R69R72
Missing Features negative
Reviewers desire additional functionalities such as the ability to lock/unlock debit cards, directly transfer to other members by name, view loan payment history, or better money management tools. International users are particularly impacted by security features that don't support international phone numbers.R6R22R25R39
General Usability & Convenience positive
Despite the issues, many users appreciate the app's overall convenience for basic banking tasks like checking balances, transferring funds between personal accounts, and paying bills. When it works, it's seen as user-friendly and efficient.R3R24R29R30

Who it's for

This app is for existing Meritrust Credit Union members who need to perform basic banking tasks on the go, such as checking balances and transferring money between their own accounts R29R30R35. It might be suitable for those who rarely use mobile check deposit or can tolerate frequent technical issues R60. It is NOT for users who rely heavily on mobile check deposit, require immediate transaction alerts, or need consistent, error-free login access R10R2R23. It is also not suitable for international users due to security code limitations R195.

Evidence note: The recent reviews skew significantly negative, with many users reporting critical functionality issues. This contrasts sharply with the high lifetime rating, suggesting a recent decline in app quality. The developer's notes are generic and do not address the specific, widespread issues reported by users, such as mobile deposit camera problems or login errors.

Frequently asked

Does the Meritrust Business app support mobile check deposit?
While the app offers a mobile check deposit feature, many recent reviews indicate it is frequently broken, with issues like blurry cameras, inability to take pictures, and constant prompts to rotate the phone, making it unusable for numerous users R10R12R13R14.
Are there common login problems with the Meritrust Business app?
Yes, many recent users report significant login problems, including the app stating credentials are 'not valid' despite working on web browsers, displaying white screens after attempting to log in, or showing 'Application Error' messages that prevent access R2R54R55R56.
How accurate and timely are transaction alerts and pending items in the app?
Recent reviews indicate that alert notifications for card usage and withdrawals are often delayed or inconsistent, and pending transactions do not show up quickly or accurately, sometimes taking days to appear, which can lead to confusion about account balances R1R23R69R72.

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 Review of app: Greta app enjoy using the app
  2. [R29] 4/5 · US App: Love the app it’s quick to open and check on my accounts, easy to transfer money from 1 account to another 🙂
  3. [R30] 5/5 · US Great app for a great bank.: This app is fantastic, it allows me to do all my banking needs while I’m on the go. They have developed this app to evolve with how people bank and handle their financial business. I have been with this bank for 23 years and they never disappoint me and continue to improve for us member's.
  4. [R35] 5/5 · US It makes handling my account so easy!: Very useful and clean layout.
  5. [R76] 5/5 · US Perfect: I love this app. It’s super easy to use. I use the check deposits almost daily for my business and it’s flawless, with an immediate deposit. It’s perfect!
  6. [R79] 5/5 · US Great App: I love having my checking, savings, and auto loan accounts at my fingertips. Mobile check deposit works great as well.
  7. [R86] 5/5 · US Fantastic!: I love this app to manage my accounts! It is easy to move money from one account to the other and see what is happening. Also I got a chance to use the mobile deposit (I rarely get paper checks) and within minutes the money was available #MindBlown! The only thing that I would say is an issue is from time to time I am not able to access my account for a few hours but other than that I
  8. [R89] 5/5 · US Love it!: We decided to leave our old bank and switched to Meritrust. I was blown away by the fact that I could deposit checks that would be added to my account quickly over the app and easily make payments on our loan or credit card with Meritrust. I just recently discovered bill pay and apparently you can do that over the app as well. Been so impressed I'm trying to get my parents to switch bank
  9. [R67] 5/5 · US Great App!: Great app. Works really well. Bill pay is awesome!
  10. [R111] 4/5 · US Love this app!!!: Love how this app works! I can pay bills and transfer money from anywhere. Even when on vacation.
  11. [R45] 5/5 · US Saving: I love having access to my accounts anytime of the day. I’m a visual learner so this app allows me to see how my money enter, and exits my account.
  12. [R59] 5/5 · US Appreciation: I love having this app to be able to keep up on my account where ever I go. I is a easy app to maneuver through. Thank you!!
  13. [R60] 5/5 · US Love this bank and love this app: I can almost do everything I need to from this app. The only thing it can’t do is deposit cash money for me. Easy to use, doesn’t crash. I can even see my payroll deposits 2 days before they are available to me which is nice. Again I love this bank and love the app. Meritrust’s Willingness to make sure I was taken care of and I got the best deal for me won my busi
  14. [R96] 5/5 · US Awesome: Love how I can do all my banking online! Great app and great bank!
  15. [R4] 5/5 · US Thanks: I am 45 now and started at BWCU when I was 14 years old. Always been a great place to bank.
  16. [R26] 5/5 · US Service: I love Meritrust and their great customer service and all the services offered. Old school customer service the way it should be.. Thanks Meritrust!!
  17. [R28] 5/5 · US Service Given: I would like to truly thank Charlene of the Meritrust CU Lawrence, Ks location. Charlene has not stopped checking on me inquiring of any help possible Meritrust CU can offer. Charlene has reached out to college Ashley in the Credit repair assistant department of the Meritrust CU Wichita, Ks location. Ashley called and suggested setting up a phone consultation for steps to the path o
  18. [R31] 5/5 · US 5stars !!: Best Credit Union in the Wichita by far!
  19. [R10] 1/5 · US Mobile deposit: trying to make a mobile deposit and every time the screen is blurry and I get a message saying flip your phone sideways to take a picture and then it never works. I’ve tried for three days now. Please fix! I have updated my phone and checked for all updates, and nothing is prompting me to update my phone.
  20. [R11] 3/5 · US Still having Camara problems with mobile deposit: Is anyone else still having problems with the Camara when doing mobile deposit. Last time I left this review Meritrust replied they were working on a fix (it’s been some time ago) ????
  21. [R12] 1/5 · US Camera glitch: I’ve been trying to use the app to deposit checks for several days and the camera is blurry and won’t take a picture. I’ve tried reinstalling and shutting the app to no avail. Very inconvenient!
  22. [R13] 1/5 · US Mobile Deposit Broken: Haven’t been able to deposit thru the app because the app says I need to rotate the image. Makes no sense needs fixed, hasn’t worked since I got the new iPhone 14 Pro. Fix your app with some of the money you are stealing from customers thru fees!
  23. [R2] 2/5 · US Login??: I just recently joined meritrust, and I can login just fine on any search engine (safari, google, whatever), but as soon as I put the exact same username and password on the mobile app, it says it’s not valid. Why have an app if it won’t even let you log in? And I tried clicking “forgot password” but it always takes me to a white screen and never sends me a new password to try, and my ori
  24. [R54] 1/5 · US Sign in NOT working: This app is usually amazing but in the last few days no one can log into their account. I have three businesses and have to view transactions along with tax info I need to access. There is no reason for this error to be going on for days. Please get your app developer on this ASAP so it gets fixed for customers. We all have business, travel, and personal things to take care of
  25. [R55] 1/5 · US Error???: The app keeps saying there’s an issue and it’s been like this since yesterday. PLEASE FIX IT! 😔
  26. [R56] 1/5 · US “Application Error”: Ever since the new update the app will not let me log into my account and gives me an alert that says “Application Error”. I’m hoping this is fixed soon!
  27. [R38] 1/5 · US Was great..: Been using this for years, it did everything I needed and did it very well! I’m not sure when it started but it’s been long enough for me to fed up and write this review. This app is either being updated or always loading. It still performs the functionally I need, but at a turtles pace. I set a block of time aside when I want to check account details. If it’s the weekend, I can rest
  28. [R43] 3/5 · US Slow but convenient: The app is slow most of the time even when I have wifi or full bars. But it is really convenient to deposit my pay checks via the photo since my job doesn't have direct deposit. Definitely faster than driving to the branch though
  29. [R46] 3/5 · US Review: This app is very slow
  30. [R48] 1/5 · US Site is now slower than a snail!!: Every time I log on to mobile site or on the computer, your site is extremely slow
  31. [R1] 2/5 · US Delayed alert notifications: Hoping the new app would send us immediate text alerts when our card is used, not so much. Disappointing.
  32. [R69] 1/5 · US Really 3.5 star- poor Alerts timing: Overall I like the app alot, however my biggest irritation is the timing of the account Alerts. Many times I get my “large withdrawal alert” a very, very long time after the withdrawal occurs. I also don’t understand why some transactions that have already occurred in store show as “pending” and have not withdrawn yet. It seems logical to me that if a large
  33. [R206] 2/5 · US Improvements: Needs a notification everytime the money is drawn from the account, and a after purchase balance.
  34. [R23] 2/5 · US What happened?: What happened to the app? It used to be almost perfect. After the last update, I can no longer see pending items. It now takes days for purchases to show and I almost over drew my account because it took almost a week for a charge to go through. I am not happy with the new update.
  35. [R72] 5/5 · US Great app: I love this app. My only problem with it is that a lot of times when I make a bill payment, it takes a day or two to show up.
  36. [R78] 4/5 · US Seems pretty good: Only had it for a few days, but it seems to work pretty well. Has Touch ID login, as well as Eyeprint ID. Not sure how well the eyeprint works, but Touch ID works fine. If I could recommend one area of improvement, it would be to make transactions show up faster. It's not bad, but it isn't immediate like I'm used to. Just a minor gripe, though.
  37. [R6] 4/5 · US Love CU, Hate App: I love the credit union. I enjoy using the ITMs, I enjoy going into “my” branch, and I have had a excellent membership experience overall. I can’t stand the app. I’ve waited too long to post this review because I keep hearing that a new app is coming. It’s still not hear. My biggest issue with this app is how difficult it is to make an external transfer. First they hide the op
  38. [R22] 3/5 · US Transferring money: It would be great to be able to add a member by name, directly, to transfer funds to their account.
  39. [R25] 4/5 · US Meritrust: Love Meritrust I’ve had it for going on 7 years I’ve never had any complaints or issues. One day I’d like to have the feature to be able to lock my card for the app. Every time I call I’ve never had any issues with a rude employee or anyone with a bad attitude.
  40. [R39] 4/5 · US Excellent: Excellent easy to use application. The only thing that’s missing is a way to lock/unlock the card if it gets lost.
  41. [R195] 1/5 · US Not user friendly if you live overseas.: I love Meritrust, love, love,love. But an update or two ago an extra layer of security was added that requires a code be used. Put in your phone number and you'll get a call or a message, great right? Not if you live overseas. The system isn't set up for international numbers and there is no other option. I was hoping this newest update would offer a so
  42. [R27] 3/5 · US Timeout time is TOO short.: Been saying it for years.
  43. [R24] 5/5 · US Awesome app: Very fluid and easy to navigate. No problems at all. Makes mobile banking a breeze. Thanks Meritrust
  44. [R14] 3/5 · US Mobile deposit: Mobile deposit won’t work. Can’t deposit my check.

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