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

UCB Banks

55
User verdict / 100 High confidence Divided

The UCB Banks app offers convenient mobile banking features like quick balance checks and mobile deposits, but recent updates have introduced significant stability and usability issues, leading to frequent crashes and login problems.

4.8★ lifetime (9,235) Free to download since 2012 by United Community Bancorp, Inc. updated 4.6 mo ago recent negative 34% 117 reviews across 1 regions
App Stability Login Issues User Interface & Experience Mobile Deposit Core Functionality Customer Service
5★60
4★2
3★15
2★7
1★33
recent reviews across 1 regions, vs the 4.8★ lifetime average

The UCB Banks app allows users to manage accounts, pay bills, and make mobile deposits, with many appreciating its convenience and ease of use. However, recent updates have led to widespread complaints about app crashes, login difficulties, and a less user-friendly interface, contradicting the developer's claims of bug fixes and enhancements.

What users like

  • Mobile check deposit is fast and easy to use.R3R17R25R29
  • Provides convenient access to account balances and transaction tracking.R5R23R42R90
  • Allows for easy transfers between accounts and bill payments.R5R28R68R84
  • Many users find the app generally easy to use and navigate.R8R10R24R27
  • Praised for excellent customer service from the bank itself.R2R4R6R13

What users complain about

  • The app frequently crashes or fails to open, especially after recent updates.R33R59R60R61
  • Users experience persistent login issues, including error messages, account lockouts, and forced password changes.R22R38R49R63
  • Recent updates have made the app slower and less user-friendly, with a confusing display and navigation.R36R41R45R47
  • Limited functionality compared to other banking apps or the website, requiring users to switch platforms for certain actions.R12R15R95R104
  • Alerts and notifications, including balance alerts, are often missing or not working.R26R105
  • Issues with Zelle and other money transfer features, including verification problems and hidden scheduled payments.R44R86
  • Lack of Face ID or fingerprint login is a common complaint.R77R94R101

Latest update · v25.2.1

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

Bug fixes and enhancements.

Recurring themes

App Stability negative
Many users report that the app frequently crashes, freezes, or fails to open, especially after recent updates. This issue is widespread across different devices and networks, making the app unreliable for essential banking tasks.R33R59R60R61
Login Issues negative
Users frequently encounter problems logging in, including persistent error messages, being locked out of their accounts, and being forced to change passwords often. Some report issues with biometric login (Face ID/Touch ID) not working reliably.R22R38R49R63
User Interface & Experience negative
Recent updates have negatively impacted the app's usability, with many finding the new interface slower, harder to navigate, and less intuitive than previous versions. Specific complaints include confusing balance displays, small font sizes, and limited transaction views.R36R41R45R47
Mobile Deposit positive
Many users praise the mobile deposit feature for being fast, easy, and convenient, allowing them to deposit checks without visiting a branch. However, some report issues with it not working on iPads or having deposit limits.R3R17R25R29
Core Functionality mixed
While the app generally allows users to check balances, track transactions, and transfer funds, many feel it lacks advanced features found in other banking apps. Specific requests include adding notes to transfers, more comprehensive bill pay options, and better alert customization.R5R12R15R23
Customer Service positive
Despite app issues, many reviewers consistently commend UCB's in-person and phone customer service, describing staff as outstanding, helpful, friendly, and responsive to fraud concerns.R2R4R6R13

Who it's for

This app is for existing United Community Bancorp customers who need basic mobile banking functions like checking balances, making transfers, and depositing checks, and who are willing to tolerate frequent app instability and login issues R5R23R28R3. It is not for users who expect a highly stable, feature-rich, or consistently reliable mobile banking experience R22R33R41.

Evidence note: The recent reviews skew heavily negative, with a significant number of 1-star ratings directly contradicting the developer's 'bug fixes and enhancements' claim. While the lifetime rating is high, the recent sentiment indicates a sharp downward trajectory in user satisfaction due to recent updates.

Frequently asked

Does the UCB Banks app support mobile check deposit?
Yes, the UCB Banks app offers a mobile check deposit feature that many users find fast and easy to use R3R17R25R29.
Are there any known issues with the UCB Banks app crashing?
Yes, many recent reviews report that the UCB Banks app frequently crashes, freezes, or fails to open, especially after recent updates, making it unreliable for many users R33R59R61.
Can I use Face ID or Touch ID to log into the UCB Banks app?
While some users mention issues with biometric login, there are requests for better Face ID and fingerprint sign-in methods, indicating inconsistent or missing support for these features R77R94R101.
Has the UCB Banks app recently received an update?
Yes, recent reviews frequently mention a 'new update' or 'revamp' that has significantly changed the app's functionality and user experience, often for the worse R36R45R47R49.

What reviewers actually said

Built only from these 117 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 Mobile Deposit: So fast, so easy! Great feature!
  2. [R17] 5/5 · US Love the check deposit: Easy to get a check deposited on the app.
  3. [R25] 5/5 · US Surprisingly Easy No Running to the bank!: Never used the Mobil deposit before. It was fast and easy. before.
  4. [R29] 5/5 · US Mobile deposit is great!: Thank you for making it so easy.
  5. [R5] 5/5 · US Makes life a little easier: This app has saved us so much money over the years! It’s an easy way to keep track of our accounts and sends me a text message if an account gets below a certain amount, thus saving me from getting an overdraft or automatic transfer. And I can make transfers between accounts or pay extra on a loan any time of the day or night.
  6. [R23] 5/5 · US Banking App: It is nice to be able to track all of my banking on this app. I have a fear of checks bouncing. So by being able to check my accounts more than once a day or having to get a computer to check or to call, makes thing so much easier and stress free for me.
  7. [R42] 5/5 · US Helped me a lot: Helps me keep track of money and transfers
  8. [R90] 5/5 · US Love it!: UCB App is easy to use and has many great features. I log in daily to check my balance and pay bills. I love it!
  9. [R28] 5/5 · US UCB online: I use the oil e system all the time , whether to lay my bills or transfer money from one acct to another and it’s very easy to navigate UVB’s online system. They’re an excellent bank
  10. [R68] 5/5 · US Easy does it: I love this app! Was reluctant to get involved with banking online bcse I’m just not a tech person. Who knew, ya don’t need to be! I know immediately what’s with all of my accounts, can easily transfer $$between all accounts and pay internal bills with a simple process! Love love live this app!
  11. [R84] 5/5 · US Good updates: The ap is user friendly and seems to be more so every time I open it. Great to be able to pay bills and move money on the go.
  12. [R8] 5/5 · US So convenient: It’s so convenient and easy to use!!
  13. [R10] 5/5 · US Very User Friendly!: Easy to use app. Quickly updates balances on all accounts. Zelle is such a useful feature between my wife and I!
  14. [R24] 5/5 · US App: App is easy to use and very secure!
  15. [R27] 5/5 · US Mobile Banking.: Easy to use.
  16. [R2] 5/5 · US Favorite Bank: Customer Service is outstanding.
  17. [R4] 5/5 · US Awesome: This is the BEST BANK!!! They have always been on their promises!! I’ve had a few close calls with fraud and always on top of it!! They do and have always put us customers first!! Appreciate you always!!
  18. [R6] 5/5 · US Great people: They have always been super to me and very friendly. When I have had a problem they have helped me
  19. [R13] 5/5 · US Amazing: I absolutely love the Lincoln Illinois branch there’s not a time that I go in there that I don’t feel like family. Thanks for all your help and support.
  20. [R33] 1/5 · US Crashes too much.: Can only use the app about half the time.
  21. [R59] 1/5 · US App will not open: When I try to open the app it immediately crashes. I have deleted and reinstalled the app but for the last week or so it continues to crash.
  22. [R60] 1/5 · US Won’t open: Can u guys update your app so I can open it on my phone it will not open the app I have deleted and reinstalled still won’t work
  23. [R61] 1/5 · US Crashes: The app is not opening at all and keeps crashing when you try to. PLEASE FIX IT.
  24. [R22] 1/5 · US Inaccessible: ( -10 stars ) I’m always struggling to log in, getting the same error message of connection issues. I’ve tried calling support that blames my phone or internet service. I’m an OTR trucker, been all over the 48 states on so many different networks, all other apps never have a VPN or security locking issue; its frustrating having no support when their systems are failing. I left this b
  25. [R38] 1/5 · US Too many error messages: Too many error messages. Cannot get on app often and now double verify?
  26. [R49] 1/5 · US New Update: I don’t know what you guys did for the new update, but I shouldn’t have to verify that it’s me EVERY SINGLE time I go to log in. It’s annoying.
  27. [R63] 1/5 · US App is horrible: My wife and I recently bought a house, and our mortgage is through UCB, so we switched banks. This app is extremely frustrating. It tells me incorrect password and then locks my account all the time. My password is saved to autocomplete through my phone so there’s no way I’m typing it incorrectly because it’s automatically being entered. It won’t let me use any of the troubleshoot
  28. [R36] 1/5 · US Frustrating: The new revamp of this app is so slow. I loved the older version of the app, I found it much more user friendly. Current update either doesn’t load or takes forever to load.
  29. [R41] 1/5 · US Pathetic: How exactly has this change been an improvement?? This is the slowest app I've ever used! Web page is even worse!! How is it that as a business, I had to call multiple times and request that all of our accounts appear on the website and on this app, I have multiple accounts but can't see them unless I make a request to do so?? Who does that even make sense to?? Can no longer copy and
  30. [R45] 1/5 · US Regarding the new “update”: Didn’t have a problem with the previous version, they did an “update” few weeks ago and I think it is terrible now. Thinking about getting rid of it.
  31. [R47] 1/5 · US Update: The most recent update makes it harder to read the transactions and what they go to. And it's harder to navigate. I thought updates were supposed to be improvements? This update is HORRIBLE!! Fix the update!!
  32. [R12] 3/5 · US Very limited: Limited options, it’s not very efficient.
  33. [R15] 3/5 · US Just OK: Basic app. Not as useful as other banks. Views of accounts and actions are a bit more limited. Forced to go to website for further actions.
  34. [R95] 2/5 · US Basic: This app is disappointing. This boosts "a different look" but I don't see a difference. This allows for basic banking functions. It will allow you to see your account and pay bills but you can't add/edit payee's. it would also be nice to make multiple payments instead of 1 at a time. Disappointing
  35. [R104] 3/5 · US Making deposits?: This app does crucial functions which is great. Would like to see more functionality/options similar to other banks. I have seen advertising for the deposit function on the app for a couple months, but that doesn't seem to be available yet, or I can't find it?!
  36. [R26] 3/5 · US Alerts are missing: Alerts stopped working.
  37. [R105] 5/5 · US YYYEEESSS: It crashes occasionally but runs a few minutes later. Only thing I would like - and from the bank in general - is a text notification when my balance hits a certain point or goes negative.
  38. [R44] 3/5 · US App itself is good, Zelle is BAD: App design is pretty, compact, easy to navigate, and has plenty of support options. HOWEVER, DO NOT USE UCB’s INTEGRATED MONEY-TRANSFER SOFTWARE. This software is titled “Zelle” and it will only cause you pain. Multiple times in the last month I’ve sent money to and received money from my brother with multiple roadblocks. The app will frequently ask you to log in
  39. [R86] 3/5 · US Ok, but...: It’s ok, and I appreciate that UCB continues to invest in upgrading it, but: - there’s a major issue on the Bill Pay feature, causing scheduled payments to be hidden / not listed on either the Scheduled Pmts and as paid from your account for 1-3 days around the payment time (when one would naturally check on a payment). I depend solely on the mobile app for bill payments and have doubl
  40. [R77] 5/5 · US One issue: I love this app, but every time the app I have for my other bank, does an upgrade, it takes the face recognition away from this one. It won’t allow me to do both. Both apps can’t use the face recognition at same time
  41. [R94] 5/5 · US App is good, but please patch for Face ID: App is helpful, but it needs a patch to accept Face ID.
  42. [R101] 3/5 · US It's okay: It's okay but can you please update the app, how it looks and add like a fingerprint sign in method so I don't have to type my password every time please?

Synthesized from 117 recent App Store reviews · updated July 2026 · View on the App Store