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

Bank With United

60
User verdict / 100 High confidence Divided

The Bank With United app receives praise for its ease of use and convenience for basic banking tasks, but a significant number of recent reviews highlight persistent issues with login, Face ID, and a lack of modern features, contradicting the developer's claims of bug fixes and performance improvements.

4.8★ lifetime (45,005) Free to download since 2013 by United Bank US updated 0.1 mo ago recent negative 28% 120 reviews across 1 regions
Login & Access Missing Features Performance & Stability Ease of Use (Basic) Zelle & Transfers
5★148
4★19
3★14
2★15
1★54
recent reviews across 1 regions, vs the 4.8★ lifetime average

The Bank With United app is generally appreciated by users for its straightforward interface and convenience in managing basic banking needs like mobile deposits and transfers. However, a notable portion of recent feedback points to recurring problems with logging in, Face ID functionality, and a perceived lack of advanced features compared to other banking applications.

What users like

  • Easy and convenient for basic banking transactionsR1R2R4R9
  • Mobile check deposit feature is easy to use for someR8R9R60
  • Good for transferring money between accountsR26

What users complain about

  • Frequent login issues, including Face ID failures, password recognition problems, and being locked out of accountsR14R27R30R32
  • Lacks essential features found in other modern banking apps, such as viewing account/routing numbers, modifying alerts, or robust card controlsR22R63R67R90
  • App is slow, clunky, or frequently experiences server downtimeR79R83R99R160
  • Zelle functionality is problematic or non-existent for some usersR70R152R176
  • Mobile check deposit feature can be manual, clunky, or have interface issuesR110R138R171R213
  • Transactions can take a long time to clear or reflect in the balanceR145

Latest update · v5.0.45

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

This update contains bug fixes and performance improvements. We are continually working to deliver an exceptional user experience within the app. Turn on auto-updates to ensure that you always have the latest version.

Recurring themes

Login & Access negative
Many users report consistent problems logging into the app, including Face ID failing, passwords not being recognized, requiring frequent password resets, and being locked out. This contradicts the developer's claim of bug fixes and performance improvements in the latest update. Issues range from the app being unable to process requests to needing security codes that don't work.R14R27R30R32
Missing Features negative
Reviewers frequently mention that the app lacks basic and advanced features common in other banking apps, such as viewing account/routing numbers, modifying alerts, robust card controls (lock/unlock), or two-factor authentication options. Some find the interface unintuitive and outdated.R22R63R67R68
Performance & Stability negative
Users report the app is slow to load, clunky, frequently down, or experiences errors, making it unreliable. This directly contradicts the developer's notes about performance improvements.R79R83R99R109
Ease of Use (Basic) positive
Despite the issues, many users find the app easy and convenient for core functions like checking balances, making mobile deposits, and transferring money between accounts.R1R2R4R9
Zelle & Transfers mixed
While some find Zelle easy to use, others report it doesn't work at all or is difficult to navigate within the app.R8R9R10R70

Who it's for

This app is for existing United Bank customers who primarily need a simple way to check balances, deposit checks, and transfer money between their United Bank accounts R1R2R9. It might be suitable for users who are not looking for advanced features or who are comfortable with occasional login troubleshooting .

Evidence note: The recent review sample skews negative, with a significant number of users reporting persistent login and functionality issues. While there are positive reviews praising ease of use, the depth and recurrence of negative feedback regarding core functionality like login and missing features suggest these are widespread problems, despite the lifetime rating being very high. The developer's notes about bug fixes are directly contradicted by ongoing user reports of these very issues.

Frequently asked

Does the Bank With United app support Face ID login?
While the app is intended to support Face ID, many recent reviews indicate that Face ID frequently fails, requiring users to enter passwords or reset their login credentials R27R79.
Can I see my account and routing numbers in the app?
No, several users report that the app does not display essential information like account or routing numbers, requiring them to call the bank or visit a branch to obtain it R63R125R171.
Are there issues with Zelle in the United Bank app?
Some users report significant problems with Zelle, stating it doesn't work on the app or is difficult to use, while others find it convenient R8R70R152R176.
Does the app offer two-factor authentication for security?
According to user reviews and bank confirmation, the app lacks a two-step verification option, which some users consider a major security flaw R164R170.

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 Appreciating United Bank: I am so thankful to have this bank at my side when I need it. The phone app is easy and convenient to use and I am not a young person. Thank you for the easy access.
  2. [R2] 5/5 · US For busy people: Loving being able to do my transactions on the go.
  3. [R4] 5/5 · US Business Owner: Love my united bank app! Love the folks at Rosemar branch! Everything is so easy!
  4. [R9] 5/5 · US Making life simple: I love the app it makes it so simple to bank no matter it’s a check to deposit or I need quick cash or even paying someone with Zelle could not be happier
  5. [R8] 5/5 · US Deposit check via United bank app Zelle: Perfect, convenient, easy
  6. [R60] 5/5 · US Easy mobile deposit: I am not one to use mobile depositing, but this was really easy to do. Just follow directions and it’s done.
  7. [R26] 5/5 · US Great Bank: I love how easy it is to transfer money between accounts on the App.
  8. [R14] 1/5 · US It’s not signing me in.: Keeps asking for my login info. I always put it in correctly then I have to get a code and then it says App is unable to process.
  9. [R27] 3/5 · US Issues: About once a month, Face ID is not accepted, and I have to sign in with username and password. Not a big deal, but it seems every time I do, apparently my password is always wrong! Go to change it, and “New password can’t be the same as old password”. Apps fine for the most part. I’m just so tired of randomly having to go through the process of changing my password once a month.
  10. [R30] 3/5 · US Login: Not sure why it will log me out of my online banking then I would have to create a new password
  11. [R32] 1/5 · US Trash app: I’m so tired of opening this app and constantly keep asking me for security codes received via SMS that doesn’t work. I’m transferring my money to another bank.
  12. [R22] 1/5 · US Low balance: Wish the app provided low balance alerts.
  13. [R63] 1/5 · US No features: Honestly this is the worst banking app I’ve used. Missing essential features that other banking apps have BY DEFAULT! Where to start… I can’t even see my banking account number or routing number, I had to call to get that information. I can’t change my email or number, I would literally have to call or go to a branch for that. Man this is ridiculous!! Who ever developed this app needs
  14. [R67] 1/5 · US Missing basic function: Needs show password option enabled; constantly disabling passcode: My parents are old and have poor eyesight. They login to check their balance on a daily basis. They get their passwords wrong so many times because of this. They end up getting locked out, which disables the passcode/fingerprint functions. And, sometimes, I have to change their password entirely on the webs
  15. [R90] 1/5 · US Limited mobile deposit functionality: The app should allow for a multiple check mobile deposit. Competitors like USAA have this functionality.
  16. [R79] 1/5 · US Review of your App: I find this app to be very slow. This app is “down” for various reasons many times. This app just out of the blue will not let me do facial I.D and makes me use a password which slows it down even more. It takes 3 times longer to load after logging in than any of the other two banks I bank with (BOA and SECU). I have overdrawn my account twice from not being able to log in over
  17. [R83] 1/5 · US Service is down more than it is up: Have used this mobile app for YEARS and it’s a 60/40 chance the servers are down or are incredibly slow. Not a client side issue because I have tried accessing on wifi, data, and on different devices.
  18. [R99] 2/5 · US Better have a lot of passwords ready: This app is so annoying. So many times there server is down. You will try and log in and get an error message. Face ID won’t work when this happens, so it ask for a password. Give them a valid password and it says it’s wrong. I’ve been locked out of my account SO MANY TIMES. Not fun!!! Writing this review in hopes that the developers can correct this problem
  19. [R160] 3/5 · US Heavy: Loads very slowly and sometimes I have to try more than once before it picks up face detection
  20. [R70] 2/5 · US Frustrating: Zelle doesn’t work on app. I have an iPhone 16 pro max. It didn’t work on the previous iPhone I had either. It’s taking forever for customer care to get IT to fix this issue. Contemplating on closing my account.
  21. [R152] 1/5 · US Easily use Zelle??: HOW????
  22. [R176] 1/5 · US Difficult to use Zelle.: Too many clicks and difficult yo use Zelle
  23. [R110] 3/5 · US New User: The app is simplistic enough meant easy to figure out. However it keeps signing me out. I will be signed in. Go to make a mobile deposit and it will ask me to sign in yet again. Seems to do this a lot. I’ve also found the app check deposit feature does not seem to work the best. It’s more manually done than auto capture.
  24. [R138] 1/5 · US Awful deposit feature: The “camera” button often is hidden behind the iPhone’s “Dynamic Island”. The symbols are not intuitive to go through the required steps. The photography portion must be done manually.
  25. [R171] 1/5 · US Clunky Interface: This app can give you some information you need, though not your routing and account numbers. It also makes you work too hard to do an online cheque deposit. Clunky at best.
  26. [R213] 2/5 · US Log in: Not good at all I have 2-step authentication set up and it always makes me do both because it states my account cannot be verified on the device I have use forever. Not happy with this app and also it will not let me deposit checks through the app either
  27. [R145] 3/5 · US Review: The app is nice, but I will say that I don’t like how long it takes for transactions to come out of my account. Pending transactions can take days especially if it’s over the weekend. Also I only get text alerts with some transactions from select businesses, but not all. My suggestion would be for the amounts pending to automatically reflect in my ending balance so I don’t think I have mo
  28. [R68] 2/5 · US Why????: Please tell me why! Why can’t United Bank label the little green plus Circle at the bottom and tell you what it’s for? Why isn’t deposit checks under the more button? Would making it easier for depositors be a crime? Frustrated with the app.
  29. [R109] 2/5 · US App: The app seems to always have some problems… using features, have to delete and reinstall a few times. Had to call to reestablish direct deposit.
  30. [R10] 3/5 · US Hard time with online banking: I’m not able to transfer money between my accounts and nobody can fix the problem
  31. [R7] 4/5 · US Mostly Good: The app works well but has a couple of shortcomings. First, it will often not allow fingerprint log-in - you often have to kill the app and relaunch. The “log-in with Touch ID” button does nothing. Second, you can’t see your pending bill pays like you can on the website.
  32. [R13] 4/5 · US Sign in with Face ID: The app no longer allows me to sign in with Face ID
  33. [R21] 4/5 · US 👍: Works pretty well but asks for face identification every time. Would be nice if that could be permanently toggled off.
  34. [R125] 2/5 · US Added features: More features need to be added to the app such as being able to view your account number
  35. [R164] 2/5 · US App is severely lacking..: This day and age the app is antique. No 2 step verification, you can’t modify alerts (mine don’t work anyway) and it takes forever to get logged in. Folks, put some money into the app.
  36. [R170] 1/5 · US How is this possible in 2023?: Besides the rookie design, it has a major security flaw. There’s no option to set up two step verification. When I noticed it for the first time, I did not believe it. I contacted the bank, and they surprised me with confirming lack of such feature. While there are new more secure methods to secure important accounts like this, the two step verification should b

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