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

HawaiiUSA FCU Mobile Banking

55
User verdict / 100 High confidence Divided

The HawaiiUSA FCU Mobile Banking app is generally convenient for managing finances on the go, but recent updates have introduced significant login issues, mobile deposit failures, and a loss of previously valued features, leading to a decline in user satisfaction.

4.9★ lifetime (22,074) Free to download since 2013 by HawaiiUSA Federal Credit Union updated 1.7 mo ago recent negative 20% 120 reviews across 1 regions
Login & Access Issues Convenience Mobile Deposit Problems Missing/Removed Features Performance & Stability Transaction Visibility
5★128
4★14
3★10
2★8
1★31
recent reviews across 1 regions, vs the 4.9★ lifetime average

The HawaiiUSA FCU Mobile Banking app offers convenient access to banking services like checking balances, transferring funds, and mobile deposits. However, recent updates have led to widespread complaints about login difficulties, app crashes, and a degraded user experience, contradicting developer claims of an improved experience.

What users like

  • Convenient for managing accounts and transactions remotelyR1R3R4R6
  • Allows easy fund transfers between accounts and bill paymentsR7R23R46R180
  • Mobile check deposit is available and appreciated when it worksR46R50R79
  • User-friendly interface and intuitive navigation for basic tasksR12R16R21R22

What users complain about

  • Frequent login issues, including endless verification loops, incorrect password messages, and inability to access the appR19R75R136R142
  • Mobile deposit feature is unreliable, often crashing or failing to read checksR18R20R29R108
  • App often crashes, freezes, or gets stuck on loading screensR18R29R35R148
  • Lack of essential features like Touch ID/Face ID, Apple Pay, and in-app credit card paymentsR70R140R173R177
  • Transactions show up late or take a long time to process, making it difficult to track financesR31R36R68R166
  • Removed useful features from previous versions, such as seeing recent transactions without logging in, saving usernames, and balance/expense graphsR30R54R56R169
  • Requires Wi-Fi for login and functionality, making it unusable on mobile data for some usersR141R147R157
  • Security concerns due to username saving issues and lack of security questionsR186R188

Latest update · v4021.0.3

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

Our new experience provides easier access to the features you use most while on the go. This new version includes updates to the accounts, mobile deposit and navigation experience.

Recurring themes

Login & Access Issues negative
Many users report significant difficulty logging into the app, experiencing endless verification loops, 'password incorrect' errors, and general inability to access their accounts. This issue is widespread and prevents basic app usage.R19R75R136R142
Mobile Deposit Problems negative
The mobile deposit feature is a major pain point, with users reporting frequent app crashes during the process, difficulty getting checks to scan correctly, and overall unreliability, despite developer notes claiming updates to this feature.R18R20R29R108
Missing/Removed Features negative
Users are disappointed by the removal of previously available and useful features, such as viewing recent transactions without logging in, the option to save usernames, and balance/expense graphs. There's also a strong desire for modern banking features like Touch ID/Face ID and Apple Pay.R30R54R56R70
Performance & Stability negative
The app frequently crashes, freezes, or gets stuck on loading screens, making it unreliable and frustrating to use. Some users report it only works on Wi-Fi, not mobile data.R29R34R35R148
Transaction Visibility negative
Users report delays in transactions appearing in their accounts, sometimes taking 2-4 days, which hinders real-time financial tracking. The absence of a running balance after each purchase is also a common complaint.R31R36R68R166
Convenience positive
Despite the issues, many users still find the app convenient for basic banking tasks, appreciating the ability to manage accounts, transfer funds, and deposit checks without visiting a physical branch.R1R3R4R6

Who it's for

This app is for existing HawaiiUSA FCU members who prioritize mobile access for basic banking functions like checking balances and transferring funds, and are willing to tolerate frequent technical issues. It is NOT for users who rely on seamless mobile check deposits, expect modern features like Touch ID/Face ID or Apple Pay, or need real-time transaction tracking.

Evidence note: The recent reviews skew heavily negative, particularly regarding login issues and mobile deposit failures, directly contradicting the developer's claims of an improved experience. While there are positive reviews praising convenience, they often predate or do not address the specific problems highlighted in the most recent negative feedback, suggesting a recent decline in app quality.

Frequently asked

Does the HawaiiUSA FCU app support mobile check deposit?
Yes, the HawaiiUSA FCU app offers mobile check deposit, but many recent users report it is unreliable, frequently crashes during the process, or fails to properly read checks R18R29R108R152.
Can I use Touch ID or Face ID to log into the app?
No, despite recent updates, users report the app still lacks support for Touch ID or Face ID, which is a common complaint for a modern banking app R70R173R177.
Are there issues with logging into the HawaiiUSA FCU app?
Yes, many recent reviews indicate significant issues with logging into the app, including endless verification loops, messages stating incorrect passwords, and the app getting stuck on loading screens R19R136R142R149.
Does the app allow credit card payments?
Some users report that the app does not allow them to pay their HawaiiUSA FCU credit card bills directly within the app, or that attempts to do so result in errors R140R178.

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. [R1] 5/5 · US Amazing!: Love how easy and convenient it is!
  2. [R3] 5/5 · US HIUS: I love that I don’t need to stand in line or rush to make sure I get to the bank before they close. This is so convenient.
  3. [R4] 5/5 · US Awesome bank: Super simple banking made easy
  4. [R6] 5/5 · US Love it: Easy to use and so convenient
  5. [R7] 5/5 · US Great app: User-friendly and I use it all the time for any type of banking that I need whether it’s transferring money from savings to checking and keeping track of my bills and seeing what’s being spent this app does a great job of that
  6. [R23] 5/5 · US Time saver: Been using this app for many years now and it’s been a real time saver for me. No more lines and sitting in traffic, easy to check balances, make car payments, pay bills, transfers, etc. I hope this app never changes. It’s perfect the way it is.
  7. [R46] 5/5 · US Don’t need to go into the bank!: All my needs are taken care of on this app. I especially like the “search” function to see if I paid a particular bill. You can set up auto-pay, transfer money between your accounts (including to your car payment loan account) or even to accounts at another banks, Face ID, remote deposit a check. Even though the actual bank has short hours, using the app makes thin
  8. [R180] 3/5 · US Could be better: I like this app I really do. I like how it simplifies my online statement history and also allows me easy access to transfer funds when I need to. This app is much more convenient for me then using a browser to check online. What I dislike about this app is anytime I'm on it and I receive a text message it will automatically log me out and I have to log back in every single time
  9. [R50] 5/5 · US Mobile app: It took me a while to sign up, but once I did, it’s a life changer! I no longer have to go to the bank for every single transaction and I don’t have to send my checks to the bank in the mail. Mobile deposit is the way to go! . I LOVE IT!
  10. [R79] 5/5 · US Love my banking app 🥰: I love the banking. You can do so much online and don’t even have to go to the bank and stand in long lines. I love being able to deposit a check remotely. Check my account anytime of the day when ever I want and still feel any transactions is safe and secure. Best thing ever!
  11. [R12] 5/5 · US Mahalo Nui Loa!: Easy to navigate
  12. [R16] 5/5 · US Convenience: It’s so easy to do when you’re on the go so easy to maneuver
  13. [R21] 5/5 · US User Friendly: Application is intuitive and easy to use. It’s a great tool to track and manage your money.
  14. [R22] 5/5 · US Account Access Anywhere: Interface design provides single screen views. User does not need to scroll left/right to see the desired content. Hot links are intuitive. Frankly, when I forget to make transactions from home, I can do so quickly from wherever I am.
  15. [R19] 1/5 · US Awful: Trying to log in is a nightmare. Wants to verify you as a human but that widget always loops and times out
  16. [R75] 3/5 · US It’s a three star for me: I never had any problem with this app until 2021 the month of April when my truck got stolen and my bag was in there so I had to close my account and re-registrar on the again in person and on the app. Its been telling me that it doesn’t recognize the username and password or the account. I’ve got it fixed after I made third trip to the bank. But now couple weeks later a
  17. [R136] 1/5 · US HORRIBLE APP!: Cloudflair will not allow me access this app or my account. Whenever I try to log in, it continues to pop up those little squares telling you pick all the cars, buses, fire hydrants, crosswalks, traffic lights, bicycles etc...and than the dreaded I am not a robot check box. It does this over and over and over and over again and again and never lets you access your account. I stopped
  18. [R142] 1/5 · US Can’t ever log in: Terrible app. It can’t ever load to allow me to even put my log in information in. Higher chance of it not working than actually working.
  19. [R18] 1/5 · US Used to work great: App used to work great. Every time you try to use mobile deposit, right at the last step where you submit your check the app constantly crashes.
  20. [R20] 4/5 · US Good … and: The check deposit is very frustrating - the camera pics need to be completely perfect and one wrinkle on the check means you may have to take 100 photo attempts - it could be way better- let’s level that up @husafcu
  21. [R29] 1/5 · US Worst Banking App: Out of all the banking apps I’ve used, this is by far and away the worst one. It crashes consistently, will take eons to load unless I refresh the app, and fail to read my checks for mobile deposit despite clear handwriting and proper backgrounds. I haven’t used the app once and been happy with it, even if its something as simple as checking my checking account. Switching banks
  22. [R108] 1/5 · US Mobile deposit flaws: Mobile deposit never works. You do exactly as the app instructs and it’s always declined and you end up in the branch with them telling you you did it wrong. Get it streamlined here HI USA FCU.
  23. [R35] 1/5 · US What is this app for: Garbage. Can’t transfer without “oops something went wrong.” Can’t apply for a loan without the app freezing. Hot garbage.
  24. [R148] 1/5 · US app has been “not available at this time”: for a while now, it went down for maintenance a couple weeks ago and now i can’t do anything with the app /: it’s difficult for me to get to a physical bank so this is definitely hindering me
  25. [R70] 3/5 · US Your updates are inconvenient: It irritates me that when you often do updates that I have to always renter my code. I cannot access it through thumb print.
  26. [R140] 3/5 · US Please include paying credit cards on the app: I like how the app has accurate amounts. The only thing is you can’t pay credit cards within the app. It’ll be great if you added this feature
  27. [R173] 3/5 · US No Touch ID?!: I guess it's an improvement from the last antiquated version but no Touch ID on a banking app release in 2016?!? Get with the times Hawaii USA FCU!
  28. [R177] 1/5 · US No TouchID and Apple Pay support:(: I was so-so disappointed to see that new updated version does not support Apple Pay and doesn't have access to TouchID... Design is nice but meh, it's outdated futures! Why BOH can support it and our bank can't?? My hopes were so high on that new update, now considering even switching...
  29. [R31] 2/5 · US Shows Late Transactions, Overdrafts: I have been using this bank and like it but, Why does it take so long for transactions to show in my checking account? It takes 2-4 days to show the smallest and biggest transactions. Is there a way to fix this? I have used 2 other banking apps and every transaction pops up every moment I use their checking account. The whole purpose is to keep track of funds.
  30. [R36] 5/5 · US slow transactions: not sure why transfer are taking LONGER than what they state
  31. [R68] 1/5 · US Useless: No download the app everything breaks once they update it, charges show up late! You can pay ur cc bill and still says you owe after 2-3days then all of a sudden it shows up randomly 4-5days later, you can call there number and wait 30m-1hr for someone to answer, or go to there online chat and they will tell u call the bank number so you end up going in one circle hahaha not worth it. HA
  32. [R166] 1/5 · US Too Unclear: No running balance shows on your account. Transactions all too often become pending or don't show until they're released at all. Cannot easily switch from user to user. As someone dealing with finances daily I really couldn't recommend this as a banking app.
  33. [R30] 2/5 · US Remember: The remember where once u put your username once u mark the remember box u wont have to again put in the user name only your password why did u get rid of that it wasn't broken it was useful that was good now u have no choice but to get your username and password this is sad please put it back I'm asking to do so
  34. [R54] 5/5 · US Throwback: I liked that I can see account balances with pending charges “before” signing in. Please bring this function back.
  35. [R56] 3/5 · US Bring back the old: I was happy seeing my recent transactions for my accounts without having to log in.
  36. [R169] 2/5 · US Lack for Balance and Expense graphs: This update version of the mobile app lacks the balance and expense/income ratio graphs that was very useful in the previous version. It seems odd that a popular and great feature like that would be omitted. Please survey your members before updating to a lesser product.
  37. [R141] 3/5 · US LOGIN WITH MOBILE WIFI: I cant login without Wifi 😭 please fix! Asap. It’s such an inconvenience when I’m not around any available WiFi
  38. [R147] 3/5 · US It works good on old model phones. (Pls Update): I just recently updated my phone, from a IPhone 7 to IPhone XR. On my 7 it let me in and saved my password good. But every time I try to get in my bank now, it doesn’t save my password and it won’t let me login without wifi. Can you please update the app and fix the minor bugs. Thank u.
  39. [R157] 1/5 · US App doesn't load up: Just like what everyone else said, the app stays on the "loading" screen and doesn't seem to go anywhere. What I found out is that the app only works when it is connected to wifi but not on 4G LTE. Please fix this issue.
  40. [R186] 3/5 · US Room for improvements: I love the idea that HawaiiUSA has finally made an app but I do no feel secure with this app. I wish it had the option of saving the username, instead of automatically saving it. I also wish it asked for security questions for more security and to just ease my mind that this is a legit app. Overall convenient but needs improvements on security.
  41. [R188] 1/5 · US Deleted app: The overall app is good but it saves my user id and even if I try to delete it on the main screen, go thru the user button on the bottom, select delete and it says its deleted...then I close out the tab and reopen the app and it shows my user id again! I don't think that's very secure for a banking website. My Bank of America app has the option to save the user id which I always have
  42. [R34] 1/5 · US The WORST: This app is the worst! Every month and I mean truly every month I have to delete and reinstall this app to my phone at least once a month at most three times!
  43. [R152] 1/5 · US Function doesn’t work: Tried to do a mobile deposit. Didn’t let me. If app is not capable, don’t advertise that it does. I hope they improve the app. Very disappointed.
  44. [R149] 1/5 · US Won’t let me login: App keeps saying my password is incorrect and won’t let me log in.
  45. [R178] 2/5 · US Limited: Good for transferring money between your own accounts and checking balances but that's about it. Doesn't allow you to pay for your credit card bill.

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