Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
User consensusAlternativesIs it worth it?
Is it worth paying for

ESL Mobile Banking

45
Value score / 100 Worth paying? No Skip it

ESL Mobile Banking is a free app that offers convenient banking features, but recent updates have introduced significant usability issues and bugs, making it unreliable for many users.

Free to download seen up to $2 4.8★ lifetime (32,732) since 2011

ESL Mobile Banking is a free app designed for managing ESL Federal Credit Union accounts, offering features like balance checks, transfers, and mobile deposits. While some users find it easy to use and convenient, recent updates have led to widespread complaints about app crashes, accounts not loading, and difficulty with core functions like transfers and payments.

Free vs paid

The app is entirely free to download and use, with no in-app purchases or paid tiers mentioned in the reviews or product page. All functionalities, positive and negative, are part of the free experience.

Value complaints

    Where it delivers

    • Many users find the app easy to use and convenient for managing accounts, checking balances, and making transfers.R6R13R15R22
    • The mobile check deposit feature is appreciated by some users for its convenience.R148R244
    • The bank itself is highly regarded for its helpful staff, customer service, and loan services.R2R4R5R12
    Worth paying if

    This app is free, so there is no paid tier to consider. However, if the app's current bugs are resolved, it could be worth using for those who value easy account management, transfers, and mobile check deposits R13R15R148.

    Skip / stay free if

    Users who require a consistently functional and reliable banking app should skip ESL Mobile Banking due to frequent crashes, login glitches, and issues with viewing account balances and making payments R59. Those who prefer Spanish language support will also find it lacking R1R51.

    Evidence note: The app is free, so there are no price complaints. The highest price point seen ($2) is not mentioned in any reviews and likely refers to a minor, non-essential in-app purchase or a data artifact, as the product page explicitly states 'in-app purchases=False'. The majority of recent negative reviews focus on functionality issues rather than pricing.

    Frequently asked

    Does the ESL Mobile Banking app support Spanish?
    No, the ESL Mobile Banking app does not currently offer services in Spanish, which is a point of dissatisfaction for some users R1R51.
    Are there issues with the app loading account information?
    Yes, many users report significant issues with the app not loading account information properly after logging in, often requiring them to navigate to other screens and back or restart the app multiple times R67R87R88R89.
    Does the app have problems with transfers and payments?
    Yes, users have reported problems with transferring money within their accounts, making loan payments, and issues with Zelle transfers not reflecting correctly R31R40R42R44.
    Are there frequent app crashes or errors?
    Yes, numerous reviews indicate that the app frequently crashes, displays application errors, or freezes, making it unreliable for many users R52R55R58R59.

    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. [R6] 5/5 · US Easy to use: Very convenient
    2. [R13] 5/5 · US Convenience: I use the app daily very easy to use I love it
    3. [R15] 5/5 · US ESL app: I love my ESL app- so easy to manage all my accounts and paying my Visa Credit car is a snap! Love it
    4. [R22] 5/5 · US Easy: So easy, convenient
    5. [R148] 3/5 · US 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.
    6. [R244] 3/5 · US ESL app: Check deposit takes several times to work properly for the picture. Otherwise I like using the app
    7. [R2] 5/5 · US Great: This bank is very helpful and accommodating.
    8. [R4] 5/5 · US Love it: Love the people always there to greet you when you come in I also love that they keep your information private and I like that they are real Bank it’s not fake I recommend ESL to you It’s so way to start a new life.
    9. [R5] 5/5 · US Review: Great loan service
    10. [R12] 5/5 · US Recomendable 100%: Este es mi banco favorito para mi el mejor lo recomiendo 100 %
    11. [R1] 1/5 · US Mal servicio: No tienen servicios en Español
    12. [R51] 1/5 · US Mejoras!: Han aplicado mejoras muy convenientes para la agilidad de nosotros (clientes) al realizar transacciones bancarias. Excelente! Sin embargo es un dilema comunicarse por teléfono e imposible en español
    13. [R67] 3/5 · US 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
    14. [R87] 1/5 · US 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.
    15. [R88] 2/5 · US Won’t load properly: I have to click off main page then back to get it to load properly
    16. [R89] 1/5 · US Upgrade is flawed: The latest version doesn’t open to my homepage, it just sits. Then I have to click on another button and come back to see my home page. UI isn’t great.
    17. [R31] 2/5 · US 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.
    18. [R40] 4/5 · US 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.
    19. [R42] 4/5 · US App is great except for 2 issues: The App is great except when it time out in the middle of me transferring money from one account to another. It should be able to pick up that I am still working in the app but it doesn’t. I understand where there is no activity for a period of time and it timed out but not when I am still conducting transfer. I have at least 10 accounts that I am on so sometim
    20. [R44] 1/5 · US Submit button: I can’t hit the submit button to make a payment!!!!!
    21. [R52] 1/5 · US 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
    22. [R55] 1/5 · US Application error: I keep getting a error message
    23. [R58] 2/5 · US .: Love esl bank, I’ve had this bank since I was 18. 15 years almost. But I give it a 5 star for the app only, esl bank overall is 5 star but the app is always glitching, always has a problem more than it normally should. It’s only been happening when they updated it to this new version, the old one I have never had a problem. Hoping they’ll go back to the old version one day
    24. [R59] 1/5 · US fix your terrible app/website to: your terrible app and website make me not even want to bank with you because i can never access my app every other week there’s a problem stop adding new updates and fix the numerous issues you already have such as your customers not being able to even use your anus app. and you’re website is always down or parts of it “aren’t available at this time” so basically

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