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

SF Fire CU Mobile Banking

55
User verdict / 100 High confidence Divided

The SF Fire CU Mobile Banking app is generally considered easy to use for basic banking tasks like checking balances and transferring funds, but recent updates have introduced significant login issues, frequent crashes, and missing features, leading to widespread user frustration.

4.8★ lifetime (11,982) Free to download since 2012 by San Francisco Fire Credit Union updated 5.0 mo ago recent negative 35% 120 reviews across 1 regions
Login & Biometrics App Stability & Performance Missing/Broken Features Ease of Use (Basic Functions) Customer Service
5★138
4★14
3★11
2★21
1★66
recent reviews across 1 regions, vs the 4.8★ lifetime average

The SF Fire CU Mobile Banking app offers essential banking functions such as remote check deposit, fund transfers, and bill pay, which many users find convenient and easy to navigate. However, recent updates have led to numerous technical problems including login failures, app crashes, and issues with Face ID, alongside a perceived degradation in customer service responsiveness.

What users like

  • Easy to use and navigate for basic banking needsR2R3R4R7
  • Supports remote check deposit and fund transfersR2R13R17R32
  • Offers features like card blocking, new card requests, and travel notesR2R13
  • Integration of Zelle is a welcome addition for some usersR1

What users complain about

  • Frequent login issues, including forgotten passwords and Face ID/Touch ID failuresR6R30R31R78
  • App crashes frequently, especially during check deposits or transfersR100R119R123R124
  • Zelle feature is missing or difficult to find for many users, despite being advertisedR10R20R28R136
  • Electronic deposits can take a long time to clear (up to a week)R18
  • Transaction descriptions are often cut off or replaced with generic text, making them unhelpfulR128R143R144R145
  • General performance issues, including slowness, unresponsiveness, and bugsR53R84R98R112
  • Lack of essential features like FedNow, low balance notifications, and the ability to view deposited check imagesR28R97R157R173
  • Customer service has declined, with long wait times and unhelpful responses to app issuesR6R80R125R141
  • Some users report a worse experience with the new app design compared to previous versionsR89R148R156R186

Latest update · v4020.0.0

What the developer says changed (the verdict above weighs this against what reviewers report):

This update includes behind-the-scenes improvements to enhance app stability, reliability, and performance.

Recurring themes

Login & Biometrics negative
Many users report persistent issues with logging into the app, including the app not remembering passwords, failing to accept correct passwords, and frequently locking users out. Face ID and Touch ID often do not work reliably or are not implemented, forcing manual password entry which is also buggy.R6R30R31R78
App Stability & Performance negative
The app is frequently reported to crash, especially during critical functions like mobile check deposits or transfers. Users experience general slowness, unresponsiveness, and bugs that hinder basic banking tasks. The developer's notes mention 'stability, reliability, and performance' improvements, but recent reviews contradict this, indicating ongoing issues.R53R98R100R112
Missing/Broken Features negative
A significant number of users cannot find or use the Zelle feature, despite it being advertised. Other reported missing or broken features include the inability to view deposited check images, unhelpful transaction descriptions, lack of FedNow support, and absence of low balance notifications.R10R20R28R97
Ease of Use (Basic Functions) positive
Despite the issues, many users find the app easy to use and navigate for basic tasks like checking balances, transferring funds between accounts, and paying bills. They appreciate the convenience it offers for managing finances on the go.R2R3R4R7
Customer Service mixed
While many praise SF Fire Credit Union's customer service in general, some recent reviews indicate a decline in responsiveness and helpfulness specifically regarding app issues, with users reporting long waits and unresolved problems.R6R16R19R25

Who it's for

This app is for existing San Francisco Fire Credit Union members who need to perform basic banking tasks on the go, such as checking balances, transferring funds, and depositing checks, and are willing to tolerate frequent technical glitches and login frustrations R2R3R6R13. It is not for users who require reliable Face ID/Touch ID login, instant payment services like FedNow, or detailed transaction histories with clear descriptions R28R31R145.

Evidence note: The recent review sample skews heavily negative, particularly regarding app stability, login issues, and missing features. This contrasts with the high lifetime rating, suggesting a significant decline in user experience following recent updates. The developer's notes for the latest update claim 'stability, reliability, and performance' improvements, which directly contradict the majority of recent negative feedback R100R119R123R124.

Frequently asked

Does the SF Fire CU Mobile Banking app support Zelle?
While the SF Fire Credit Union website states Zelle is available through the app, many recent users report that the Zelle option is missing or difficult to find within the app R10R20R136. Some users have confirmed Zelle is available R1, but others have had to contact customer service to resolve issues related to account status affecting Zelle visibility R11.
Are there issues with logging into the app using Face ID or Touch ID?
Yes, many users report significant issues with Face ID and Touch ID, stating that the app frequently fails to recognize them or does not offer the option, forcing manual password entry which can also be problematic R31R78R129R140.
Can I deposit checks remotely with the app?
Yes, the app generally supports remote check deposits, but many recent reviews indicate frequent crashes or logouts when attempting this feature R2R13R17R100.
How long do electronic deposits take to clear?
Electronic deposits can take a long time to clear, with some users reporting wait times of up to a week or more R18.

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. [R2] 5/5 · US App is to use: I find the app easy to use and navigate. I can do remote check deposit transfers funds pay bills all through the app. Has features to block my card and get a new card if it’s lost or stolen and travel notes
  2. [R3] 5/5 · US My favorite mobile app for banking!: The app is easy to use and helps me manage my money effortlessly.
  3. [R4] 5/5 · US Great app!: Honestly very user friendly & zero negative feedback back
  4. [R7] 5/5 · US Great banking, great app: I really like my bank and the fact that I can access my accounts easily with their provided app
  5. [R13] 5/5 · US Banking Made Simple: The app is easy to navigate and does exactly what I need. I can quickly check my balances, move money, and open new products without hunting around. Everything is laid out clearly so banking takes minutes. I can deposit checks, report my debit card lost and get another one reissued immediately. It’s solid, reliable, and simple to use.
  6. [R17] 5/5 · US Perfect banking app: I love the SF Fire Credit Union and their app works perfectly for me. I can deposit checks and check all my finances and details from wherever I am.
  7. [R32] 5/5 · US Great to have handy anywhere: This app has changed the way I bank! I really am grateful to have this app on my phone, to make on the go banking easy and to make my trip to the bank easeful. I’m glad to have the bank on my side with any customer service needs, or just with making checks. I’m very glad that my family is also welcome at my bank. And glad to have the mobile app to keep track of my fun
  8. [R1] 5/5 · US Gets better and better: Love the interface and finally adding Zelle !
  9. [R6] 1/5 · US Worst app ever - I’m leaving this bank: The app never remembers my password, even though it’s saved in my keychain on my iphone. Even when I put it in manually it doesn’t work 50% of the time (I get a notification that it is wrong, which I 100% know is incorrect!!!) and I end up locked out of my account. The work around is changing my password which I have done nearly weekly. I have been in touch
  10. [R30] 2/5 · US Keeps getting worse: A few years back the all switched to a new version that appears to be a bunch of web views. The app experience keeps getting worse and worse for a few reasons. 1. The login screen never works with apples password manager. Unheard of for as long as it’s been out. 2. Once I manually look up the password, it doesn’t paste into the password field correctly. 3. The issue is
  11. [R31] 2/5 · US Constantly doesn’t use Face ID.: Unreliable. The app doesn’t use the technology coded into it, & usually at the worst time
  12. [R78] 1/5 · US Face ID doesn’t work 95% of the time: So annoying. I enable Face ID, and it works on other apps that offer this. But the credit union’s app is so buggy that it doesn’t work the majority of the time.
  13. [R100] 1/5 · US App crashes on check deposit: I love this CU. But this app is garbage. It crashed literally every time I try to deposit a check and says “you have been logged out due to inactivity” when I’m in the middle of an activity! Deleting and redone loading the app doesn’t help.
  14. [R119] 1/5 · US Bugs bugs bugs: Every time I try to deposit a check, the app logs me out. What should be a simple banking app is super buggy. Love the CU but the app is awful... please just make it work for simple things!
  15. [R123] 1/5 · US This app is worthless: Normally I love credit unions. Except when it comes to things like this app. It’s the worst. I can’t deposit checks anymore - every time I click on deposit check I get logged out “for security purposes “. It used to work fine, what the heck happened?! Now all it does it log me out for security purposes.
  16. [R124] 2/5 · US Fix the bugs: This app has become super buggy lately. It logs me out every time I try to do a transfer and after each check deposit. Super frustrating.
  17. [R10] 1/5 · US How do you Zelle: They list on their website that you can use Zelle through their app, that there’s a place to send a Zelle in the navigation bar, but it is not there. I cannot find where to Zelle in the app at all.
  18. [R20] 2/5 · US Where is Zelle?: Where is the Zelle button? It's not in the "bottom navigation bar." And the "contact support" button doesn't work at all. I've updated the app, so why does it still have these bugs?
  19. [R28] 3/5 · US Needs FedNow for instant payment!: There are few credit unions like Redwood credit union and Sacramento credit union who are ready supporting FedNow service for instant P2P payments. Since SF Fire Cu does not support Zelle, would be great if it integrates with FedNow. Things to consider.
  20. [R136] 2/5 · US Great bank....BUT: need to update the app with option of Zelle to pay easy friend debt.
  21. [R18] 1/5 · US App is fine, deposit time is horrendous: It takes up to a week (sometimes more!) for electronic deposits to clear. Totally unacceptable in this day and a deal breaker for using this once fantastic credit union.
  22. [R128] 1/5 · US A lot of glitches: This app will logout constantly right after signing in with any navigation while accessing your account. If it’s not that it’s something else. Not all payments have the name of the vendor in the description, may just be a reference number so it’s very unhelpful if you actually pay attention to your bank statements. You would think after a couple years these simple issues would b
  23. [R143] 2/5 · US Transaction Description Cut Off: Can’t identify transactions with information provided in app, need to visit desktop version to view. Has been going on for months with a promise to fix, but no fix yet.
  24. [R144] 1/5 · US Bugs: SF Fire Credit Union is a great bank but they don’t fix bugs in this app quickly enough. For example. Descriptions of transactions in the app has have broken since the last release 3 months ago. The app cuts off the first character and displays line 2 of the description which often isn’t helpful. Sad to leave a one star review. Hoping for change
  25. [R145] 1/5 · US Hasn’t been right since v1.0: Most recently, all transactions lost their specific description (ie SAFEWAY GROCERY) and were replaced with generic bankspeak (ie TRANACTION0403829404830). Customer service has confirmed this is a known issue and has no solution in sight. App is slow. Forgets Touch ID. Doesn’t auto-login. Sometimes you double transfer because the first one lags for up to 5 minu
  26. [R53] 2/5 · US Accounts page won’t load: Only gives an error and will not load the accounts page. I can get the transfers page open, but nothing on my accounts will open.
  27. [R84] 2/5 · US Inconvenience: Overall I like this app, but there seem to be frequent intentional changes (or bugs), such as being logged out from the app seconds after switching to another app. Then I have to re-enter my password and re-enter the 2FA. It becomes a hassle and an inconvenience.
  28. [R98] 1/5 · US App doesnt work anymore: Keeps saying something went wrong and wont open.
  29. [R112] 1/5 · US Horrible App: SFFCU upgrades the app 2 years ago and it is still riddled with errors.
  30. [R97] 3/5 · US Deposits don’t show: Known bug for over a month, kinda frustrating. Shd at least show as received/pending.
  31. [R157] 3/5 · US Can’t see copies of mobile deposited checks: If I go under deposit check history to look at the checks I deposited, it just shows up as “No Image”. Never worked.
  32. [R173] 1/5 · US No Images of Mobile Deposits: Since the new supposedly improved online system launched for SFFCU, I have been asking when mobile deposit images will be made available as they used to be, and as they are on any other financial institution platform. To present day (6/5/18), that answer I have receives is: I don’t know. Seriously?! Who is responsible for this debacle?
  33. [R80] 1/5 · US Horrible Overflow Call Center: Member of 15+ years. They apparently have hired some call center to handle over flow calls. It's a glorified answering service. I was told someone would get back to me in 24 hours regarding a simple account inquiry during regular business hours. The old App was better. I would advise new people to not use this App because you would need to open an account, and I woul
  34. [R125] 1/5 · US Just go to the Bank: I have to either update this daily to keep it working, delete it and reinstall it every time I need to use it. I spend atleast and hour a week on the phone with customer service. It’s a shame being in the tech capital of the world this app and the new website is failing so thoroughly. Excellent bank, should have hired out the development of app. Throw it away and start over.
  35. [R141] 1/5 · US Non-functional: This app has been kind of terrible from the start, but it actually seems to get worse over time. It started out that, mysteriously, my phone wouldn’t load the page for depositing checks. Now it won’t even load my account details. I have spent a lot of time with customer service, and nothing has changed. I gotta say, I’m pretty disappointed.
  36. [R89] 2/5 · US Wonderful institution, troublesome app: While I love SFFCU, the company that redesigned the app ruined my online accounting system and sent me back to paper and pencil for tax time. Deciding that that their categorization of credits and debits was more accurate than the system I had spent countless hours setting up and using has cost me a crazy amount of stress and time. What a mess.
  37. [R148] 1/5 · US What were they thinking?: This app used to be amazing. It was easy to use and simple. They tried to “improve” the app and only made it worse. Now, it is confusing and a pain to use. The SFFCU used to be a great credit union. You could call them directly and speak with someone you knew that was actually at the branch. Now, they are just like every other bank- a call center with people in D
  38. [R156] 2/5 · US Sometimes new doesnt mean better: Old app was easy and very efficient. New app looks the look but doesnt play the part. Overall disappointed.
  39. [R186] 1/5 · US Terrible update: The dashboard is terrible and the whole feel of the website is pretty bad. The app was t great before but it’s horrible following the update. It’s like they took a step back in technology instead moving forward. Really badly designed.
  40. [R16] 5/5 · US SF FIRE CU MOBILE BANKING: SF FIRE CU has found a way to define trust, top tier customer service and easy steps to follow when using the mobile application. It’s everything you need under one roof. I have been a customer for at least 13 years and I only have good memories to share whenever I think about what they have provided for me and my family. They also have a program now where you can get pa
  41. [R19] 5/5 · US San Francisco, Fire Credit Union mobile banking review: The San Francisco Fire Credit Union is an amazing organization. All of the services they provide are top-notch. The staff is grade a 100% knowledgeable, and helpful at all times. I always recommend them as an alternative to anyone who does not utilize their services.
  42. [R25] 5/5 · US Best CU on earth: I’ve had accounts with well over 10 of the major banks over the years and no one can come close to SF fire credit union for their service the ease of use of the app and for their financial strength in the world of banking
  43. [R11] 4/5 · US Zelle elusive: It was exciting when the credit union announced that members could use Zelle from sffcu. I updated to the latest version and suddenly all the instructions for using Zelle point to nothing visible in the app. My feedback in the app received no response. Finally I was able to cal customer service to learn that I had an international status on my account that made Zelle disappear.
  44. [R129] 2/5 · US Times out after update: Login to app and go to transfers, you get kicked out of application immediately. Unusable in this way. Did some more checking and app times out only if Face ID used to login. With manual login it works fine. Please fix Face ID login.
  45. [R140] 2/5 · US Updated review: I am not happy with this app I have been unable to log in to the app via my iPad or iPhone. I have signed up with the finger print op in but now it will not work. I am always asked to fill in my password and them the system is off line. ? It asks would you like to try again ? I then must re enter my password and hope for the best. After re entering my password it still will not w

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