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

Town & Country FCU Mobile

70
User verdict / 100 High confidence Loved, with caveats

The Town & Country FCU Mobile app generally receives positive feedback for its ease of use and convenience, particularly for mobile check deposits, though recent updates have introduced significant issues with mobile deposit functionality and app stability for some users.

4.8★ lifetime (3,811) Free to download since 2012 by Town & Country Federal Credit Union updated 1.6 mo ago recent negative 9% 120 reviews across 1 regions
Mobile Deposit Issues Ease of Use App Stability & Login Credit Union Service
5★89
4★11
3★9
2★3
1★8
recent reviews across 1 regions, vs the 4.8★ lifetime average

The Town & Country FCU Mobile app offers convenient banking features like mobile check deposit and account management, with many users praising its simplicity and reliability. However, recent reviews highlight recurring problems with the mobile check deposit camera, app crashes, and login failures, indicating a decline in performance for some users.

What users like

  • Mobile check deposit is generally easy and convenient for many users, saving trips to the bank.R45R47R48R51
  • The app is described as easy to use, simple, and user-friendly with a clean interface.R10R16R30R34
  • Offers useful features like quick view, widget, and fingerprint/Face ID login (though Face ID can be inconsistent).R37R52R54R66
  • Allows for easy money transfers between accounts.R42R44R110

What users complain about

  • Mobile check deposit feature is frequently buggy, inconsistent, or completely non-functional for many users, often failing to open the camera or accept photos.R5R19R24R32
  • The app experiences frequent crashes, freezes, and login issues, including Face ID not working and general application errors.R11R21R22R68
  • Some users report delays in transactions appearing, making it difficult to track account balances accurately.R35
  • The app lacks certain features like electronic travel notifications, member-to-member transfers, and a running balance display.R31R44R92R98

Latest update · v2026.04.02

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

Mobile Deposit Issues negative
Many recent reviews highlight significant problems with the mobile check deposit feature. Users report the camera not opening, blank screens, difficulty getting checks accepted, and the app crashing during the deposit process. This contradicts the developer's general 'bug fixes' claim.R5R19R24R32
App Stability & Login negative
A notable number of users experience app crashes, freezing, and persistent login difficulties, including Face ID failures and general application errors. This directly contradicts the developer's claim of 'general improvements, enhancements, and bug fixes'.R11R21R22R9
Ease of Use positive
Despite the recent issues, many users still find the app to be very easy to use, simple, and intuitive for general banking tasks.R10R16R30R34
Credit Union Service positive
Many reviews praise the Town & Country Federal Credit Union itself for excellent service, friendly staff, and helpfulness, often distinguishing the credit union's quality from the app's performance.R2R3R4R7

Who it's for

This app is for existing Town & Country FCU members who need to manage their accounts on the go, especially those who value mobile check deposit when it functions correctly R42. It is not ideal for users who rely heavily on consistent mobile check deposit functionality or require a highly stable app experience without crashes and login issues R5R11R22.

Evidence note: The recent reviews show a clear negative trajectory for app stability and mobile deposit functionality, despite the high lifetime rating. Many positive reviews are general affirmations without specific feature praise, while negative reviews are highly specific about critical failures. The developer's notes claiming 'general improvements, enhancements, and bug fixes' are directly contradicted by recent user reports of increased crashes and non-functional features.

Frequently asked

Does the Town & Country FCU Mobile app support mobile check deposits?
Yes, the app is designed to support mobile check deposits, and many users find it convenient when it works R45R47R48R51. However, recent reviews indicate frequent issues where the camera does not open, photos are not accepted, or the app crashes during the deposit process R5R19R24R32.
Are there issues with the app's stability and login features?
Yes, recent user reviews report frequent problems with the app crashing, freezing, and displaying errors R11R21R22R68. Users also experience issues with login methods, including Face ID often not working and general difficulties accessing their accounts R11R9.
Can I transfer money to other members using the app?
Currently, the app does not support direct member-to-member transfers, a feature some users wish would be added or brought back R44R92R101R112.

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. [R45] 5/5 · US Love It: Town and Country Rocks! The App Rocks! Mobile Deposit is great.
  2. [R47] 5/5 · US Solid mobile app from a small credit union: Impressive login options, good interface, absolute easiest way to deposit a check.
  3. [R48] 5/5 · US Amazing!!: Back the first time when I had Town & Country federal credit union there was never an app like this. Now that I have opened a new account and the representative who helped me set it up told me all about it I am psyched! I just did my first mobile deposit and it went through easier than ever!
  4. [R51] 5/5 · US Very easy app to use.: It's a very user friendly app. Really appreciate being able to make deposits anytime and not have to physically take them into the CU.
  5. [R10] 5/5 · US Appreciation: Great app alway easy to use. the team at town and country federal credit union has done well to manage the application. It a great app..!
  6. [R16] 5/5 · US Love it: Love this app it is so easy to use and always is as close to being accurate as possible thanks Town and Country
  7. [R30] 5/5 · US Chan P.: The app it’s self is very easy to use. And very self explanatory. Thanks again.
  8. [R34] 5/5 · US Great app !: No complaints! Don’t know how I lived without this !
  9. [R37] 5/5 · US Best banking app I've used so far.: Has multiple options to check your balance including a quick view and widget. Hasn't failed on me ever!
  10. [R52] 4/5 · US Great things in the work: I love using my town and country app! I just throw my paycheck in the checking and do everything else VIA this app! I can monitor my spending and keep my shopping habit in check :) great app! My only issue is, I like using the eye scan to get into it, but it could definitely use a second look, it's doesn't work too often
  11. [R54] 5/5 · US Easy to use great app: I love being able to use my fingerprint as a sign in option. The app it self is clean, easy to use, simple, what more do you need?! Love the photo deposit!
  12. [R66] 5/5 · US Account holder: Love this app! And you don't have to keep signing on every few minutes. Great way to balance and reconcile my checkbook.
  13. [R42] 5/5 · US Awesome banking App!!: This App is fabulous. It allows many banking needs without having to actually go to/in the bank. Deposit checks no problem, transfer money no problem.
  14. [R44] 4/5 · US Great mobile banking app overall!: A wonderful mobile banking app overall. Easy for banking on the go. I'm glad that I'm able to transfer money from my different accounts, but I wish I could transfer money to other members already associated with my online account. Once I am able to transfer money to other members, I will give this app a five-star rating!!!
  15. [R110] 5/5 · US Great app!!: Very clear and simple! Can transfer and even deposit checks with my phone quickly and easily!
  16. [R5] 1/5 · US Mobile Check does not work: The app will not open a camera or a viewfinder at all and just creates a blank screen. This is true for my partner as well.
  17. [R19] 3/5 · US TCFCU is great, app sometimes works: The CU is great but the apple app works inconsistently. Sometimes the check deposit pics are never accepted by the app. Luckily I have a droid phone also and never have problems with check deposits
  18. [R24] 3/5 · US One issue: I love this app, but depositing checks on here is an extremely difficult task. My checks are always neat, and lined up right where it says it needs to be, and I’m always retaking the photo.. pretty annoying. Other than that, app works great.
  19. [R32] 3/5 · US Mobile deposit: Difficult to use. I use on several other bank apps with no difficulty. Often doesn’t accept pictures taken.
  20. [R11] 1/5 · US Banks OK app is TERRIBLE: App often won’t let you login. Face ID basically never works. Even when you put your password j. The app still crashes or freezes or displays an error that it can’t find your account. Very frustrating and tiresome.
  21. [R21] 1/5 · US New version is junk: Latest update renders the app completely useless. Do not download it!
  22. [R22] 1/5 · US CRASH: Had worked great for years. All of a sudden “Application Error we are unable to display your information at this time” I uninstalled last night and reinstalled this AM same error... NOT GOOD!
  23. [R68] 3/5 · US When it works it's great: Very temperamental, most if the time when making deposits it crashes directly after snapping the pic of the front of the check. I have to login several times because if this and sometimes have no luck at all and have to go to the branch o make the deposit. When it works, 25% of the time, it is really slick. Other functions work well, XFR, balance check etc, but the de
  24. [R35] 1/5 · US Overdraw bait: If you want to know how much money you have in your account, this is not for you. It often takes days up to a week for purchases or bills paid to show up even in the pending menu.
  25. [R31] 3/5 · US Travel: I wish I could electronically submit travel notifications. Other than that I love the app!! The credit union itself is 5 stars. Also, maybe a branch this way would be nice.
  26. [R92] 3/5 · US Great Bank, Great App: This app makes doing my banking so much easier. This is a long time overdue. Can't wait for the member to member transfer feature to be released!
  27. [R98] 4/5 · US Town & Country FCU app: I love this app, I use it everyday from my phone to view transactions and pay bills. The only thing I wish was different - I wish you could view a running balance in the accounts history screen. It lists your transactions but doesn't show the acct balance after each charge. If this change was made I think it could mimic my checkbook exactly! I'd like that
  28. [R9] 5/5 · US App has not worked for 2 days!: This app is always down. I can’t get into it for last two days thwhich is not a bullying me to transfer money from my savings to my checking. And you guys will charge me the overdraft fees.
  29. [R2] 5/5 · US Guidance fam!: I’ve been with TCFCU since moving to Maine and they’ve been nothing short of great! Helping and teaching me a lot of my firsts!
  30. [R3] 5/5 · US Amazing: I absolutely loved this credit union! The most friendly and understanding credit union I’ve ever encountered! Been here almost 20 years! I’ll never leave.
  31. [R4] 5/5 · US TCFCU !!!: They are great, I’ve been a member for atleast 15 years, and they’ve been great with helping me improve my credit, they’ve given me loans based on bi-weekly payments and I after two vehicle loans I was able to get a nice Nissan Frontier with money down and I’m on my last year or so with my payments
  32. [R7] 5/5 · US Awsome: This is the best Credit Union I’ve had 0 Trouble The Staff very friendly and helpful don’t change a thing.
  33. [R101] 4/5 · US Love it except for two things: I use this app on my iPad, mostly. Phone occasionally. I don't get why I can't deposit checks with the camera on my iPad. Has to be the iPhone only for that. Also, I wish they'd bring back being able to transfer money into another person's account, like you used to be able to do on their website. It was a great feature I used frequently. Other than that, I can'
  34. [R112] 5/5 · US Love the app: The app works awesome its quicker an easier. Only wish they'd bring back transfer to others I used to use it a lot.

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