Coastal Credit Union

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. [R22] 3/5 · US Wish it had dark mode: Loving the new update, looking modern and has nice features for managing everything. I just wish there was a toggle for dark mode, that would convince me to no longer need another banking app
2. [R13] 5/5 · US Appreciation of…: Appreciate all the help and good changes since the new update. Much easier to navigate!
3. [R32] 5/5 · US Latest updates are great!: The new updates to the mobile are great! Much better organization and layout. Performance also seems much improved. Nice work!
4. [R36] 5/5 · US Great upgrade!: The latest update is a major upgrade. I love all the new features!
5. [R4] 5/5 · US Coastal app: Always works great for me! Checking loot. Transferring loot. Clock it 👌
6. [R8] 5/5 · US Works great: App functionality is great and has every feature I could want/need on a banking app
7. [R11] 5/5 · US Banking app: Easy to use and make payment
8. [R16] 5/5 · US I love you Coastal: Might be biased cause this is the only bank I’ve had. The app is genuinely so easy to navigate, the chat box never has a long wait & you can do so many things without needed to get on a call.
9. [R9] 5/5 · US App is very user friendly: Well made app. Safe and efficient.
10. [R14] 5/5 · US Excellent Service: App is wonderful, easy to view whatever you are looking for, I’m really enjoying it!
11. [R63] 5/5 · US Love Coastal: It is the easiest app to use and I just love Coastal!!!!
12. [R30] 5/5 · US Nice App: This is a new bank for me and I am not disappointed with the app or the bank! The features are amazing and the capabilities to send money from my bank in NC to my bank in FL is easy and convenient right from the app!
13. [R37] 5/5 · US New app UI: Coastal is a great bank, however; with the new app update they have really upped their game. Between easy external account transfers and Zelle they are now on the same level as any major bank like chase or BOFA.
14. [R24] 1/5 · US Check deposit: This is SOOOOO frustrating and does not work. I want to save time and coastal credit union adds more stress and wastes time 2026 i am leaving you toxic folks behind!
15. [R44] 3/5 · US Mobile deposits: I love working with Coastal and the fact that it’s not one of these huge national for profit banks. However, their mobile app leaves much to be desired, particularly when it comes to depositing a check. Over the course of several different, smart phones with increasingly better cameras, the check capture photography often times does not work to the point of frustration. Need to ge
16. [R48] 1/5 · US Check deposit: Long-standing problem: the phone app is NOT RESPONSIVE AT ALL for online check deposits: it requires numerous tries (8, at last count) before photos of the check are taken. Going forward, I am moving all my deposits to another institution.
17. [R50] 1/5 · US Mobile Deposit Feature Stinks: The mobile deposit feature on this app is so finicky. Half the time it rejects the deposits even when following the instructions for endorsing and imaging to a tea. I can't tell you how many times I've had to drive to the bank to deposit a check due to this feature not working properly. Please get this fixed!!
18. [R1] 1/5 · US Unreliable: Sometimes the app works like you would expect an app to work in 2026. Most of the time it works like dialup. I’ll tap on something to access it and I wonder if my phone has frozen or locked up. If I tap on my checking account to see transactions, it can take up to 15 seconds for it to open.
19. [R45] 1/5 · US Terrible app: Currently unable to open the app and this happens often . And when the app is working, it’s very slow.
20. [R56] 3/5 · US Ok: Crashes or is not functioning properly too often
21. [R64] 1/5 · US Needs an overhaul: As of June 11, 2025, the App is wack and stop working, I can’t login using it. The update made the app slow. I don’t trust it for security reasons. So I’ll use the website. Get better IT professionals to redesign the app from ground up.
22. [R3] 1/5 · US App needs a rework: Have been a Coastal member since 2003. Unfortunately the last year of using the app has presented some issues from an end user perspective. How does one reset the password? This is basic functionality that does not exist in the app. One is prompted to call customer service which is not available in the evenings or on weekends. We have been locked out of our account for two d
23. [R26] 1/5 · US Verify you are human error: App just asks to verify you are human and spins forever
24. [R28] 2/5 · US Cloud flare sign in isn’t working: The new app has some bugs to work out, can’t check the network on 5G cellular because the cloudflare auth doesn’t work properly. Totally unacceptable for the app to fail this thoroughly
25. [R38] 1/5 · US Single worst update a bank could make: They updated the whole system and made it worse. I can’t login and god forbid you try to call a representative about it. Don’t try they can’t help you recover your username or password now. You have to do it through the app. And guess what??? If the app just DOESN’T send you your code you can’t get into your bank account!!! I love when these people play with
26. [R15] 3/5 · US Good news, bad news: Good news: Coastal Credit Union is a great institution and the iPad app finally works in landscape orientation. Bad news: Since some update to the app or iOS, bill pay can’t be completed in the app, so it’s just a convenient way to check your balances. This glitch also affects the Mac laptop. Why?
27. [R33] 2/5 · US iPad users are out of luck: The new app makes what was already a subpar experience on the iPad even worse. I’m using iPadOS 26. Most egregious is you can’t use Bill Pay. Once you enter the amount to pay for a payee, you are not able to scroll up far enough to get to the button to submit the actual payment. Landscape or portrait makes no difference. Hard to believe this glaring glitch could have
28. [R87] 4/5 · US Coastal Mobile App & Bill Pay App: The mobile app is a really good convenience, especially for check deposits. The online bill pay is still clumsy and time consuming. The older application from years ago was much easier to use and track payments. I have to go into too many sections to find things. Too disconnected. The EUI (end user interface) may look organized but it takes me significantly
29. [R119] 1/5 · US What a mess!: The bill pay on coastal is ridiculous. It was so good until they changed it. And now it’s like a child wrote the program. You can’t tell which accounts things are coming out of, because the account listed keeps switching. It takes so much longer than it did before. Who has this kind of time! You know it’s bad. Please please change this back! It only needed a few little tweaks.Oh, and
30. [R12] 2/5 · US Ads are annoying: The new app is fine but the ads that appear above my account balances are annoying. No matter how many times I remove them, they always come back.
31. [R27] 1/5 · US Update bloated the app: The new app design just released is upsetting for many reasons. Mostly because they added so many widgets that I don’t use and don’t want. Now I have to scroll through everything to see something I do want. The supposed “layout customization option” doesn’t even let me remove this bloat. Note to Coastal…DONT PUT ADS IN MY BANKING APP! Cashback offers is not a service I wa
32. [R209] 3/5 · US Slow with frustrating ad: Really? Typing white on white? Slow; shows accounts but then you have to wait for it to display an ad at top, which moves everything down. Why not ad at bottom, or skip it altogether? Hope this comes out - I’m typing blind.
33. [R21] 1/5 · US Lies: Can’t sync my account with Monarch or anywhere else. When I try, Coastal says to open the bank app to approve the connection. So I open your app, and… nothing happens! WHERE am I supposed to approve the connection request? Didn’t have this problem with the old app.
34. [R34] 3/5 · US Remote Deposit Downgraded: The recent upgrade eliminated my ability to make a remote deposit to my Business Checking account - a capability I’ve had for several years. The call center agent said I would need to set up a separate online ID for the business accounts, a needless complication in my user experience. This loss of functionality was not included in pre-upgrade communications, so perha
35. [R47] 4/5 · US Love this bank- one suggestion: The fact that the accounts are listed through the member number and are differentiated between the last four digits has caused SO MUCH CONFUSION when trying to link other banks or payment systems. There’s got to be a better way!
36. [R35] 2/5 · US Would be higher if security settings worked: The new app looks nice and is better organized. Unfortunately the security settings are buggy: - Automatic sending of codes to my device is broken (though manual did work) - Adding an Authenticator app is a pain if it’s on the same iPhone… the QR code is useless and it’s hard to select the text-based code (ever considered a copy button?) - Adding a pas
37. [R29] 1/5 · US Update causing some issues: Since the new update, I keep getting a prompt saying “missing information” under phone number. I get two options when I see that screen. It’s “ask me later” and “update information “ I go to update info and my number is already in the form. I got to submit the form with my phone number but I get an error because I hadn’t made a change to my information. Once I’m in thi
38. [R19] 5/5 · US Check deposit: Great overhaul of a solid banking app.
39. [R80] 1/5 · US APP NOT WORKING NO SUPPORT: The app does not work! It just gives an 800 number to call. They are not helpful. The link to the “developer support” pages is literally a 404 page not found coastal page. Emailed member support that acknowledges there was an issue, but claims it was resolved. When I replied with screenshots they told me to go to a branch 🙄 I’m supposed to trust you with my financial in
40. [R92] 1/5 · US Needs to invest more in app development: Despite recent improvements to the app, there is a ways to go still. For instance, the direct deposit function hasn’t worked for over 1 week straight. The help desk couldn’t do anything about it. The nearest bank to me is 25 minutes away. It’s these basic functions that are lacking from this app. Additionally, login/Face ID is finicky. When the app has some