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

Addition Financial Mobile

40
User verdict / 100 High confidence Divided

The Addition Financial Mobile app is currently experiencing significant technical issues, particularly with login, mobile deposits, and overall performance, despite some users finding its interface easy to navigate.

4.8★ lifetime (16,457) Free to download since 2012 by Addition Financial Credit Union updated 5.6 mo ago recent negative 44% 120 reviews across 1 regions
Login & Access Missing Features Performance & Reliability Ease of Use Customer Service
5★96
4★18
3★27
2★28
1★81
recent reviews across 1 regions, vs the 4.8★ lifetime average

Recent reviews for the Addition Financial Mobile app indicate a negative trajectory, with many users reporting critical functionality issues such as inability to log in, deposit checks, or access accounts after a merger or update. While some users praise its ease of navigation and security, a substantial portion are frustrated with frequent crashes, slow performance, and a lack of modern banking features like Zelle or Face ID.

What users like

  • Easy to navigate and user-friendly interface for basic banking tasksR2R6R19R21
  • Offers customization options and is seen as an improvement over the previous 'Envision' app by some usersR9R33R61R66
  • Provides 24/7 access to banking features and allows viewing deposits a day before postingR124
  • Security procedures are appreciated by some usersR48R49

What users complain about

  • Frequent login issues, including crashes, errors, and being locked out of accounts, often requiring password resets or calls to customer serviceR12R52R53R56
  • Mobile check deposit feature is often missing or non-functional for many usersR4R29R78R97
  • Lacks modern features like Face ID, fingerprint login, or Zelle integration, leading to a perceived outdated experienceR34R35R40R57
  • Slow performance, long loading times, and general unreliability are common complaintsR81R101R103R123
  • Customer service is difficult to reach, with full mailboxes and unhelpful staffR11R12R20R28
  • Issues with account balances being inaccurate or delayed, leading to overdraft feesR3R20R32R64
  • Lack of card management features, such as locking/unlocking cards within the appR45R132
  • App may not work reliably when traveling or with VPNsR16R53R100

Latest update · v21.3.0

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

Minor big fixes in new version!

Recurring themes

Login & Access negative
Many users report frequent issues logging into the app, including crashes, error messages, being locked out, and needing to reset passwords repeatedly. This often necessitates calling customer service, which itself is reported to be difficult to reach. The developer's notes mention 'minor bug fixes', but these critical login issues persist.R12R52R53R56
Missing Features negative
A significant number of users are frustrated by the absence of key modern banking features. The most frequently cited missing features are mobile check deposit, Zelle integration, and biometric login options like Face ID or fingerprint authentication.R4R29R34R35
Performance & Reliability negative
Many users describe the app as slow, buggy, and unreliable. Complaints include constant spinning, network errors, and general unresponsiveness, making it difficult to perform basic banking tasks.R81R88R89R101
Customer Service negative
Reviewers frequently mention poor customer service experiences, citing difficulty reaching representatives, full mailboxes, and staff who are unable to resolve app-related issues or provide clear policy answers.R11R12R20R28
Ease of Use mixed
While some users find the app easy to navigate and user-friendly for basic tasks, others find the layout cumbersome, with large fonts and difficulty finding specific transactions.R2R5R6R18

Who it's for

This app is for existing Addition Financial members who prioritize basic account viewing and transfers and are willing to tolerate frequent technical issues and a lack of modern features . It is not for users who rely on mobile check deposit, Zelle, biometric login, or consistent, reliable access to their accounts R12R29R35R81.

Evidence note: The recent reviews skew heavily negative, contradicting the high lifetime rating. Many negative reviews specifically mention issues arising 'after the merger' or 'new update,' suggesting a recent decline in app quality. The developer's release notes for 'minor bug fixes' do not align with the widespread critical issues reported.

Frequently asked

Does the Addition Financial Mobile app support mobile check deposit?
Many recent reviews indicate that the mobile check deposit feature is either missing, non-functional, or difficult to find for a significant number of users R4R29R78R97.
Can I use Face ID or fingerprint login with the Addition Financial Mobile app?
No, numerous users report that the app lacks Face ID or fingerprint login capabilities, requiring manual entry of login information for every session R57R79R105R124.
Does the Addition Financial Mobile app integrate with Zelle?
No, many reviewers express frustration that the app does not offer Zelle integration, which is a common feature in other banking apps R34R35R40R99.
Are there frequent login problems with the Addition Financial Mobile app?
Yes, a large number of recent reviews highlight persistent login issues, including the app crashing, displaying error messages, locking users out, and requiring frequent password resets R12R52R56R67.

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 Clear: It’s a very well created app. Easy to navigate.
  2. [R6] 5/5 · US Online: Very convenient
  3. [R19] 5/5 · US App: The site is amazing, easy to navigate.
  4. [R21] 5/5 · US Awesome app: Easy to move around the site to get my business done
  5. [R9] 5/5 · US Back but better.: The addition app is far better than the envision app. At first I wasn’t so sure about this new update but i’ve grown to love it and its perks.
  6. [R33] 5/5 · US Love the app very customizable: I would like dark mode option but overall is wonderful
  7. [R61] 5/5 · US Wonderful App: This is one of my favorite apps to be on by far! The old app was boring but this app offers so much more! Thank you for updating!
  8. [R66] 5/5 · US Amazing new app: Wow. The last platform worked just fine, but this new app is beyond amazing. The customizable dashboard is a GAME CHANGERRRR.
  9. [R124] 3/5 · US Neutral feeling on the app: The app has its pros: - You have 24/7 access to banking features - Doesn’t take several days for transactions to post - Easy to transfer between mutual accounts - Ability to make access changed without delay - Able to view deposits a day before it posts to your account But it also has some cons: - Transferring between different financial institutions is not easy - Do
  10. [R48] 5/5 · US Quick and Easy: I love using the Addition Financial App. It is user friendly and easy to manipulate. Love the security procedures also for safe use.
  11. [R49] 5/5 · US App works great: Security is phenomenal, app has real time updates and works smoothly.
  12. [R12] 1/5 · US Absolute trash: I can’t access my account after the merger. When I try to click on the help option the app closes and I have to start my registration over from the beginning. I attempted to call them and all the options go to mailboxes that are full. I’ll be changing credit unions within the month.
  13. [R52] 2/5 · US Do not get this app: Keeps logging me out, I have to call the branches to open my accounts back up they make you change your password 5-6 times just for it not to work then say you have to speak to a specialist,
  14. [R53] 1/5 · US Customer: This is poor at best won’t oper I was in another state it wouldn’t open said I was in wrong state , won’t open again today how pathetic
  15. [R56] 1/5 · US Terrible app: I haven’t been able to log in for two weeks. Keep getting the “Something went wrong “ error message. Please try again. Wait on hold forever till I give up. I can sign on with my computer, not my phone. What gives? Now it won’t allow me to write another review. This week I tried to pay my bill. It says to press the send button once. I did but nothing happened. I don’t want to press it
  16. [R4] 3/5 · US Basic hut functional: As of may 2026 the mobile deposit doesnt open the camera. Can deposit a physical check
  17. [R29] 1/5 · US Mobile check deposit option is nonexistent: Where on earth is the option to deposit a check???? It used to be on the old version of the app years ago but now it is literally gone. Nonexistent. This is stupid.
  18. [R78] 3/5 · US Missing Check Deposit Function?: If this happens to you, verify that you have an active debit card tied to your account. If you don’t use a debit card (like me) your card will expire without a new card being mailed to you. You will have to go to a branch to get a new active card.
  19. [R97] 1/5 · US No place to Mobile Deposit: Atm wouldn’t accept a check I have in my name, and there isn’t an option to mobile deposit on their app they force you to use.
  20. [R34] 4/5 · US Zelle: Need to be updated so we’ll be able to use Zelle
  21. [R35] 2/5 · US Transferences: Cuando me afilié a esta cuenta me hicieron creer que podia realizar transferences por Zelle, luego de la primera transferencia, no pude usar más esta aplicacion
  22. [R40] 3/5 · US zelle: add zelle
  23. [R57] 5/5 · US It’s a decent application but not a great one: I gave it only 4 stars but I would have given it a 4.5 star rating if it was available. I think in my opinion the application still needs some improvement to make it a 5 star review. I would like to see less need to authenticate my account as much as I do, yes I understand that it is a security issue but still it needs to occur less often. I wish I co
  24. [R81] 1/5 · US Worst app ever: This app is slower than a slug going uphill, backwards. When it finally gets past the sign in page, it’s just constant network errors. 100% unusable. Attempted to use on my m1 iPad Pro and iPhone 15 pro and couldn’t get app to work on either.
  25. [R101] 3/5 · US Improved but buggy: While as of the most recent update, the interface and features of the app have been greatly improved, it has caused signins to be extremely slow and unreliable. On multiple occasions have I waited at the spinning “wait” icon only to be rewarded with “an error occurred” pop up. This has continuously happened over the past few months irrespective of internet connection type, time
  26. [R103] 3/5 · US Great bank: The bank overall is great the only downside is that the app is a little slow and has a bit of a learning curve.
  27. [R123] 2/5 · US Incredibly slow but does the job if you plan waaaay ahead of time: I use this bank for a car loan I have on my first car. This is where I just pay my car off and to do so I have to transfer funds from my checking account. It takes 5-7 days just to send in some money for my car and it’s just nerve wracking when my car payments due and the payment won’t go through fast enough and the days are passin
  28. [R11] 1/5 · US Trash: The system has transitioned from Envision to this and to say it’s horrible is an understatement. No one to talk to in customer service. This is absolute trash.
  29. [R20] 3/5 · US Covering charges when I have funds: Earlier this week I had a charge of $50 for Orlando health debt and had enough funds to help cover from my savings and your bank didn’t pay it, I wish you were consistent and communicate via my email. I also do not care for all the wasting of time when I call your branch , listening to so many options, you need more people to answer phones and questions it’s ru
  30. [R28] 1/5 · US Do not use addition financial: Do not use Addition Financial! No one here knows what they are doing. Their customer service is the worst I have received from any bank or credit union. No one has the answers to any of my simple questions about the bank's policies and services. I don't know if they are all sneaky or just incompetent. None of the supervisors are any better. I would not recommend this
  31. [R3] 1/5 · US Horrible I’m about to change banks because of it: This is the only bank I have seen that hold over 400 dollars when u get gas will not be continuing my membership
  32. [R32] 1/5 · US Absolute trash. Watch your balances.: The balance option is always super behind. I paid a bill 4 days ago. On like a Thursday. It’s supposed to post and pull the balance I’m telling you what you have left available before the amount actually pulled out. For the past two months now, and my account will say X balance available. Then the following week magically it seems to almost like double pull, l
  33. [R64] 1/5 · US Horrible app update: The new app is terrible guys. It was so good before. If it ain’t broke don’t fix it. Now it only shows available balance on Home Screen and not the total balance. There is way too much going on with the layout. I’m sorry. I don’t like it.
  34. [R45] 4/5 · US Great app but one issue: Can’t lock my card from app
  35. [R132] 3/5 · US Needs Card Management!!: Overall, this app is pretty decent. It just takes some getting used to. Honestly, the only complaint I have would be that there is no card management. Almost every other mobile banking app has a way to manage each of your debit or credit cards. If you ever needed to lock your card in an emergency, you would have to call and have them lock or cancel your card. This is not s
  36. [R16] 1/5 · US Don’t use: This is the only financial app of the many I have that if I use I have to put myself in danger of getting hacked because it will only work if you turn off your VPN. Unless they fix this don’t use!
  37. [R100] 2/5 · US Not reliable while traveling: We travel to the Bahamas frequently I have 2 step Authenticator turned on for extra protection. The app only works about half of the time. We rely on online banking for extend trips and I have not been able to log on for over one week. So no bills are getting paid I will need to give someone my log in to get my banking done. Very disappointed in this app since the cha
  38. [R88] 1/5 · US Awful app: All it does is spin, can never get on to check my balance. If I could give a 0 for this app, I would! No other app does this, but this one.
  39. [R89] 1/5 · US The app actually working is a coin flip…: Terribly inconsistent app, some days you’re in after a delay, and some days it keeps thinking until it times out and gives you an error message and a phone number. It’s not my connection, it’s not my wifi, every other site loads just fine. Frustrating that I can’t manage my money remotely.
  40. [R5] 3/5 · US Change please: It would be helpful to look at checking in a ledger format.
  41. [R18] 4/5 · US Enjoy some features: It is harder for me to find specific transactions and to get summary of transactions on this version. I missed the old version when I’m trying to find something specific
  42. [R79] 3/5 · US Confirmation: The app isn’t bad, it’s easy to use. But it’s annoying to constantly be asked for confirmation of my identity. Always requesting to send me a text to make sure it’s me.
  43. [R105] 3/5 · US FaceID is broken: If the app could fix FaceID just NEVER working that would bump it up 1-1.5 stars. I tried calling the number listed from the pop up saying the FaceID and couldn't reach a human who even knew any type of solution. Mildly annoying.
  44. [R99] 3/5 · US Banking Member: App is stable, lacks a more modern design. They need to partner with Zelle! As this is becoming the standard for majority of banks. McCoy Federal credit union has already adopted Zelle.
  45. [R67] 1/5 · US Please update!: This new update will not let users log in! We get stuck on the “verify human” part and it keeps looping!

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