Centra Mobile
Centra Mobile is a free banking app with a high lifetime rating, but recent reviews indicate significant functionality issues, making it unreliable despite its convenience for basic tasks.
Centra Mobile is a free banking app that many users find convenient for basic tasks like checking balances and making transfers, saving trips to the bank. However, recent updates have introduced numerous bugs, including login failures, freezing, and issues with features like Zelle and mobile deposits, leading to widespread frustration.
Free vs paid
The Centra Mobile app is entirely free, with no in-app purchases or paid tiers mentioned in the product description or user reviews. All features, both functional and buggy, are available to all users without cost.
Value complaints
Where it delivers
- The app offers convenience for basic banking tasks, reducing the need to visit a physical bank.R2R3R5R24
- Many users find the app easy to use and navigate for checking account information and making transfers.R2R5R9R11
- The bill pay feature is highly valued for its ease of use and ability to manage payments efficiently.R44
- Some users appreciate the speed of transfers and the accuracy of account information.R10R19R48
- Recent updates have improved the user interface and added new features, including the ability to link external accounts.R49R58R60R62
N/A (The app is free)
Users who rely on consistent app functionality for all their banking needs, including mobile deposits, Zelle transfers, or managing loans, should skip this app due to frequent bugs and login issues R45R51R52. If you require a banking app with reliable security features like Face ID and minimal multi-factor authentication prompts, this app may not be suitable R89R103R108R110.
Evidence note: The app is free, so there are no price-related complaints. However, many recent reviews highlight severe functional issues, contrasting with the high lifetime rating which likely reflects earlier, more positive experiences.
Frequently asked
Is the Centra Mobile app reliable for daily banking?
Can I use Zelle or make mobile deposits with Centra Mobile?
Does the Centra Mobile app support Face ID or quick login?
Are there issues with viewing transaction history or making loan payments?
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.
- [R2] My greatest Application on my phone: I love the ease and convenience of my Centra application. It saves time and trips to the bank!! I love it!!
- [R3] Why I love Centra Mobile? because for one I don’t have to go to the bank. don’t have to: Ok
- [R5] Love Centra bank!!: I have easy access to my bank account no matter where I’m at. I can move money around whenever needed. These app is easy to use. I can also pay my bills and everyone at the bank when I have to go is very friendly.
- [R24] Great to have!: So easy to use and so helpful to have so many options from my phone. Especially small checks I don’t need to drive in town to deposit them.
- [R9] Truly helper: Easy to navigate
- [R11] Simplicity: The Centra app makes banking easy!
- [R44] Bill Pay is great: Bill Pay makes my life so much easier! I set up payments as soon as I get my bills and never have to worry again! Saves time from remembering passwords for all the individual websites. Absolutely love it!!
- [R10] Accuracy: I truly appreciate my credit union because my account information is always accurate, which gives me peace of mind and keeps me from having to second-guess my balance. The staff in Shelbyville is consistently professional, friendly, and helpful. Overall, it’s a great credit union and I highly recommend banking here.
- [R19] Quick and efficient: This app works really well and transfers are like instantaneous I love the speed of service and the app always warns you before they start maintenance I love this app
- [R48] Review: Awesome app. Secure and quick.
- [R49] Best Bank!: I love the ease of access to my money. The app is very modern with the newest update. It’s very easy to transfer money to and from accounts. I have nothing but good things to say about Centra. Thanks for making banking easy!
- [R58] New mobile app: The new mobile app is great!
- [R60] New update: The new update is exactly what was needed
- [R62] Great update but…: Love the UX and UI. However, the app keeps freezing where I close it, reopen, close again, reopen and after multiple trials, eventually let me open the app to make transfers, etc.
- [R56] If it ain’t broke, don’t fix it…: They’ve recently did a complete overhaul of the app to make it look more sleek and modern. That’s fine and I think it looks really nice. The issue is that the app is junk now. It crashes constantly and freezes up on you if you try to move within it too quickly. A simple task that would take seconds before is now a several minute ordeal after having to refresh and
- [R61] Won’t recover account: Just says unexpected error any time I try to recover my account and log in
- [R65] The new app freezes a lot: I was looking forward to the new update/app coming out. The old one was great, but I knew the layout could definitely look a lot better. I love the layout of the new app so much more, but now, I can hardly ever get the app to properly work for me. I have to close the app a great amount of times before I can even get it to let me view my account balances and transactions
- [R81] So broken.: It never has connection to its servers or whatever so i can never log in to even just check my balances. Doesn’t matter what wifi or data i’m on, it’s definitely this app’s problem. I hate it because I don’t always have my computer with me but this app is totally useless
- [R45] Frustrated: Zelle never works and it kicks me out constantly
- [R51] Zelle Still Needs Fix: The app works great till you have to use Zelle. It takes you to the log in page once you try to enter money amount.
- [R52] Pop ups: Needs an update or something. I get a pop up to another screen when I enter an amount to send through zelle and it’s really annoying not being able to zelle.
- [R135] Pretty useless: Other than checking your balance, not very useful. Have to try multiple times to deposit a check, and completely unable to at times, with no detail other than stating it can’t be processed. As usual, they have a pretty pathetic IT team and are always behind the curve.
- [R89] Needs to stop with multiple verifications: Every time I need to see my information, I still have to verify that it is myself that is doing so. It is linked to my faceID, so I do not know how that is not verification enough! There are other mobile apps that much more features on them that would be great to see implemented on this app
- [R103] Grrrr login codes why?!: My phone authenticates me with Face ID but every time I want to see how much money I have I have to text myself a code to make sure I’m me. Add extra security to external payments. Don’t make it a pain in my rear to access my balance or transfer between savings and checking.
- [R108] Security Prompts!! 🤬🤬🤬: Every time I try to log on I have to get a security text and enter the code... PLEASE FIX!! It would be nice if I didn’t have to do it but one time, or once every month. With my phone having a code that should be good enough, it’s not like people can send themself money from this app. All they can do is see how much money I already don’t have.
- [R110] Why do I have to put in a code that has been sent to me so often: I am tired of putting in a code just to log into my mobile account. I use another credit union and I don’t have to (never had to) do that with them. Almost makes me want to dump centra after being a customer for over 20 years
- [R46] Not at all intuitive: You’re mobile app hasn’t helped me at all. It’s not possible to see anything about my loan nor am o able to make a payment.
- [R79] Update interface please: App works well, but for both this and the web version would prefer to see more transactions immediately and not have to click on “view all” almost every time I use the app to see more transactions. Especially the online web version which also limits the initial view to only a small part of the screen.
- [R80] View All Account History Broken: Years ago I was having issues viewing all of my account history both in the app and on the online banking website. I thought it would be fixed at this point given how crucial it is to tax season and personal finances. However, it still is not fixed and it simply goes to a white screen every time you try to “view all” transaction history. I have to call up a represe
- [R130] 0 star: What’s the point of even having this app if people aren’t able to see there transaction history to keep track of when and where their money is coming and going. Come on man.
Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store