ESL Mobile Banking
The ESL Mobile Banking app is generally seen as convenient and easy to use for basic banking needs, but recent updates have introduced significant bugs and usability issues, leading to widespread frustration among users.
The ESL Mobile Banking app receives praise for its convenience and ease of use for managing accounts and making transfers. However, recent updates have led to numerous technical problems, including accounts not loading, app crashes, and difficulties with specific features like mobile deposits and payments. While the lifetime rating is high, recent reviews indicate a negative trajectory due to these issues.
What users like
What users complain about
- Accounts often fail to load on the main screen, requiring users to navigate away and back to view balancesR86R93R97R100
- App frequently crashes or freezes, making it unusable for manyR60R61R64R78
- Recent updates have negatively impacted the user interface and removed useful features like quick balance widgetsR66R68R72R119
- Specific features like Zelle, member-to-member transfers, and loan payments are reported as broken or difficult to useR39R43R52R70
- Persistent requests for reviews are annoying to usersR7R10R13R19
- Login glitches and invalid credential errors are common, causing stress for users needing to access fundsR33
Latest update · v2026.01
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
Who it's for
This app is for existing ESL Federal Credit Union members who need a convenient way to manage their accounts, check balances, and perform basic transactions, provided they are willing to tolerate frequent bugs and UI frustrations from recent updates R29R73. It is not for users who require a consistently stable and perfectly functioning banking app, especially for critical transactions like loan payments or transfers R52.
Evidence note: The recent reviews strongly skew negative, focusing heavily on post-update bugs and UI issues. While there are positive reviews, they often praise the bank itself or general convenience, sometimes with caveats about the app's flaws. The developer's notes are vague and do not address the specific issues reported by users.
Frequently asked
What are the main issues with the ESL Mobile Banking app after recent updates?
Does the app still allow mobile check deposits?
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.
- [R12] Convenience: I use the app daily very easy to use I love it
- [R29] Simple: I enjoy having my banking at my fingertips. The ESL App is easy to navigate, gives me important information and I can accomplish just about anything I’m trying to achieve.
- [R73] Great App!: ESL banking app is wonderful to check balances, transfer money and monitor your accounts. Freeze your cards!
- [R82] ESL app: This mobile app is so easy to maneuver and I love that at the first page has all my account on it so I don’t have to go to different pages
- [R5] Easy to use: Very convenient
- [R21] Easy: So easy, convenient
- [R27] Easy!: Very user friendly
- [R79] Very good 👍🏼: Of all of the online banking apps I’ve tried, this is the easiest to navigate and has been super useful
- [R147] Not terrible: The convenience of being able to deposit checks is a pretty awesome thing for us night shift workers, however the occasional issue with image processing is kind of annoying, I don’t appreciate having to retake the image 6 times because the system thinks there’s a size difference between front and back, or it couldn’t figure out all the markings on the check.
- [R243] ESL app: Check deposit takes several times to work properly for the picture. Otherwise I like using the app
- [R86] Still buggy: On iOS version 18 the “accounts” page hangs displaying no info. You can recover the display by switching back and forth between the “accounts” and “pay” pages.
- [R93] Terrible since newest iPhone update: Since the latest iPhone update I have not been able to access the quick view widget. Additionally, accounts do not load properly when logging in. I have to click on messages and then access accounts for them to load. Please fix this app and make quick view accessible again.
- [R97] What the bug?!: I’ve always loved the app. It was always so seamless and straightforward to use, however, the Main accounts page no longer loads. I order to get it to load, I have to push another icon to get me off of the accounts page and then go back to the accounts page. But this is a nuisance. Please correct this bug. Otherwise the online banking lacks ease of use.
- [R100] Bug-main page doesn’t load: After login the main account page never load until you tap on transfers or anywhere else and then tap back on accounts
- [R60] Constant Malfunctions: This app is bad to the point where I have to change banks, half the time the app crashes before I even load into it. Constant issues with clicking into my checking account to view my balance and recent payments. This has been happening for years, and I regret not changing banks sooner.
- [R61] Horrific update.: When I now launch the ESL app on my iPad I get an error message that says, “Face ID not supported on this device” and the app totally freezes. Had to uninstall. Will reinstall and try launching without Face ID.
- [R64] APP CRASHES: can’t even load the app up it constantly crashes please fix
- [R78] Credit: My app keeps crashing every time i try and click on any transactions on my credit card
- [R66] New changes: Theres new changes and honestly i think its worse- before you could easily see available vs total $ in your accounts, now its just the total/Net amt showing until you click. Plenty of times when I need to access this app, theres always some issue, and now with the new updates it keeps saying application error and that it cant display my location- i tried logging in on multiple device
- [R68] Recent update is meh: Coming here to agree with others that the app works fine but was nicer before the Big Upgrade that was much advertised. It's not bad but I prefer the previous version.
- [R72] Recent update isn’t an upgrade: The most recent update and ui changes have me a little stumped ESL. Not sure what was wrong before but not loving the new version update tbh. Not sure how others reacted to the changes but I do actually miss the old ui and it’s been weeks now since the update. Typically I adapt. Heck I don’t even waste my time writing reviews but really curious if you all did any fo
- [R119] Fix last update: Latest update removed widgets from Home Screen for quick balances and have to go to a different tab in the app then come back to accounts to see your money. PLEASE FIX!!!!
- [R39] Issues with Zelle: Having problems with Zelle, it doesn’t reflect transfers. I have an iPhone 13 I was able to refresh, but in order to refresh you would have to exit the app and reopen. It makes no sense.
- [R43] Submit button: I can’t hit the submit button to make a payment!!!!!
- [R52] Horrible update: Would give 0 stars if possible. Ever since the update you can’t even make a payment on a car loan. I have to call every month to pay it, wait on the phone for over 30 minutes everytime
- [R70] Not impressed: When paying a loan payment I have to scroll up to hit “transfer” but the screen will go back up and the transfer button disappears. I had to try to click on it fast before it scrolled back down again. I’m not playing a game here, I’m trying to pay a bill. Please fix this.
- [R7] Stop: Stop asking. Sucks
- [R10] ESL: Stop asking for this every time I use the app
- [R13] Constant Pop up: Every time you log into the ESL app they have a pop up message to leave a review even though multiple reviews have been left the pop up message is still there every time you log in. ESL QUIT BEGGING YOUR CUSTOMERS EVERY TIME THEY LOG INTO THE APP MULTIPLE TIMES A DAY TO LEAVE A REVIEW
- [R19] Review request: It’s getting annoying that every time I open the ESL app now it’s asking me to give a review of the app. Otherwise I have no problem with the app.
- [R33] Log in glitch needs to be fixed: I’m so tired of being told my login credentials are invalid when I need to see how much money is in my bank account….this glitch NEEDS to be fixed, it’s extremely stressful. You guys can’t be playing with peoples money like this, I have rent due and need to know how much I can spend on groceries.
- [R48] App doesn’t open: I have to touch the app sometimes 15 times to get it to open and then multiple times to get it not to save my password. Terrible upgrade.
- [R51] App: Awful. Wont let me install again. Everytime I tried checking acct. it would return to my main screen, out of bank app. A lot of problems
- [R54] Application error: I keep getting a error message
- [R45] Not Good: When I am looking at my bank accounts, I don’t need to see ads from your or anyone else. Just list my accounts and balances on the screen. You had this mastered and then made me update my app to this new garbage. Please revert back to the simple Home Screen.
- [R56] Bad app: I’m not sure who actually reviews any of these changes but the app is terrible. It’s such a poor user experience. I want to try to pay my mortgage. I can’t even hit the submit button because after choosing the account I want to draw from. It’s below the tool bar on the bottom. Maybe you should spend more time in testing than actually changing something that doesn’t really work. Lik
- [R28] Needs option: I wish you’d show pending transactions as far as income into my account. Generations used to provide that & it’s the one thing I miss.
- [R30] Money transfer: I just don’t like the fact that the money is on the account and it doesn’t get taken out unless you do it manually. It’s just sit there and then I get a late fee.
- [R31] Review: Worst banking app I have used plus have to have multiple apps for my accounts texts are to close to each other clicking on wrong spots and deposits are the worst on your apps
- [R37] Inaccurate Credit Representation: Available credit isn’t accurately represented, causing a decline for insufficient funds and doesn’t notify you until it’s too late
- [R16] It’s great: Now stop bothering me.
- [R2] Funciona: Para mi funciona muy bien es cuestión de buscarle dentro de la misma app. Obvio mucho mas fácil desde una computadora pero aja a mi Me funciona perfectamente.
- [R9] Great: I love this app it’s great
- [R126] App needs restarting before you can use it: Once I log in to the app. Nothing shows up. I have to close out and restart it every time to access my account in the app. Web based seems to work fine.
Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store