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

Travis CU Mobile

45
User verdict / 100 High confidence Divided

The Travis CU Mobile app offers convenient banking features and is generally easy to navigate for basic tasks, but it suffers from frequent performance issues, login problems, and missing or broken functionalities, leading to a frustrating user experience for many.

4.8★ lifetime (31,006) Free to download since 2013 by Travis Credit Union updated 5.7 mo ago recent negative 36% 120 reviews across 1 regions
App Performance Login & Security Feature Functionality User Experience & Design Loan Payments Transaction Categorization
5★123
4★23
3★13
2★17
1★74
recent reviews across 1 regions, vs the 4.8★ lifetime average

Travis CU Mobile is a free banking app that allows users to manage accounts, transfer funds, and pay bills. While some users find it convenient and easy to use, a significant portion of recent reviews highlight issues with app stability, login reliability, and the functionality of key features like mobile deposit and Zelle.

What users like

  • Easy to use and navigate for basic banking needsR5R15R19R20
  • Good customer service from the credit unionR8R10R11R14
  • Provides quick access to account information and balancesR16R23R26

What users complain about

  • Frequent freezing, slowness, and crashingR3R161R169R196
  • Login issues, including difficulty with Face ID/Touch ID, constant re-verification, and accounts getting lockedR9R75R123R125
  • Mobile check deposit feature is often broken or unreliable, with issues like black screens and failed auto-captureR48R58R73R85
  • Zelle functionality is missing or does not work within the appR76R183R37R41
  • Transaction categorization by AI is inaccurate and annoying, lacking an opt-out optionR1
  • Bill Pay feature has issues, including missing memo sections and problems with access on certain devicesR46R159R183R192
  • Outdated design, difficult navigation, and lack of modern features like widgets or card controlsR66R104R109R121
  • Issues with transfers, including failed instant transfers and money being heldR50R81R83R99
  • Difficulty paying loans, with charges for phone payments and inconvenient methods like requiring checksR107R128R131R135

Latest update · v21.2.0

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

Minor bug fixes in new version

Recurring themes

App Performance negative
Many users report the app is slow, freezes frequently, crashes, or gets stuck on loading screens, making it difficult to complete tasks. This contradicts the developer's notes about 'minor bug fixes' as users still experience significant performance issues.R3R91R96R133
Login & Security negative
Users consistently face problems logging in, including Face ID/Touch ID not working, accounts getting locked out, needing to reset passwords frequently, and constant re-verification requests via text, even immediately after logging in.R9R75R123R125
Feature Functionality negative
Several key features are reported as broken or unreliable. Mobile check deposit often fails with black screens or incorrect auto-capture. Zelle is either missing or non-functional. Bill Pay has issues like missing memo sections and access problems on certain devices. Transfers can fail or take too long to post.R46R48R50R58
User Experience & Design negative
Many users describe the app as not user-friendly, difficult to navigate, and having an outdated design. Specific complaints include jumbled layouts, oversized elements, difficulty finding statements, and a lack of modern features like widgets or card controls.R33R66R87R92
Transaction Categorization negative
The AI-driven categorization and renaming of transactions is a significant point of frustration, with users constantly having to correct inaccurate changes and no option to disable the feature.R1
Loan Payments negative
Users find it difficult to pay loans through the app, often resorting to inconvenient methods like writing checks or facing a $10 fee for phone payments. There's a desire for easier payment options like debit card or electronic transfer.R107R128R131R135

Who it's for

This app is for existing Travis Credit Union members who need basic account management and are comfortable with potential technical glitches and an older interface R5R15. It is not for users who expect modern banking app features like reliable Zelle, advanced mobile deposit, or seamless login experiences, or those who need to frequently pay loans via debit card R76R85R107.

Evidence note: The recent reviews skew significantly negative, with many 1- and 2-star ratings detailing numerous functional issues. While there are positive reviews praising ease of use and customer service, they often refer to the credit union itself or basic app functions, rather than specific features that are frequently criticized. The developer's notes mention 'minor bug fixes,' but recent reviews contradict this, indicating ongoing and significant bugs.

Frequently asked

Does the Travis CU Mobile app support Zelle?
No, many recent reviews indicate that Zelle functionality is either missing from the app or does not work properly, even though the website might suggest otherwise R76R183.
Can I deposit checks using the app?
Yes, the app has a mobile deposit feature, but many users report it is unreliable, with issues like the screen turning black, auto-capture failing, or checks being reversed R48R58R73R85.
Are there fees for paying loans through the app or by phone?
While the app aims to facilitate loan payments, some users report difficulty, and paying by phone incurs a $10 fee R128R131.
Does the app have Face ID or Touch ID login?
The app does offer Face ID/Touch ID, but many users experience frequent issues with it, often requiring manual password entry or leading to account lockouts R76R123R141R195.

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. [R5] 5/5 · US Easy to use app: Simple and meets pretty much all your online banking needs.
  2. [R15] 5/5 · US User friendly!: Been with TCU for over 25+ yrs. Very happy with this institution and their mobile app has been easy to navigate and secure. That’s important in today’s world specially for seniors 👌🥰
  3. [R19] 5/5 · US User friendly: Easy to use
  4. [R20] 5/5 · US Great Ap: I have banked with TFCU for many years I have had very little problems with this credit union. The Ap is also very user friendly. If I have any problems I can always call Travis CU for help.
  5. [R8] 5/5 · US Team: Great customer service!
  6. [R10] 5/5 · US Banking with Travis Credit Union: To whom it may concern, I been with Travis Credit Union for over 15 years. This bank is hands down is the BEST in customer satisfaction. They always provide a warm sincere welcome every time I walk into the bank at the Vallejo branch with a smile. Even on the phone, the customer service is excellent. It’s a great feeling to be part of a bank which has employees w
  7. [R11] 5/5 · US Loyal customer: I’ve been with Travis credit union for many years now and have always had good experiences. Even when something has gone wrong or needed attention, they were understanding and quick to a solution. Even now that I’m out of state, I still keep my account active because they’re that good.
  8. [R14] 4/5 · US No problem: Good customer service
  9. [R16] 5/5 · US Travis CU Mobile: Great apt to keep instantaneous info on your accounts, transfer funds to various accounts - just great
  10. [R23] 5/5 · US She: I enjoy the app. It gives me a overview of everything good and bad.
  11. [R26] 4/5 · US Great layout: Everything is easy to see, search, balances, etc. and intuitive to navigate.
  12. [R3] 3/5 · US Convenient but freezes too much: The app while convenient is slow. I often have to close and reopen it just to be able to do anything or look at my money. Other banking apps are not this slow and glitchy.
  13. [R161] 1/5 · US Sorry: App is very slow and buggy. Travis CU needs to invest more into IT or a decent software dev
  14. [R169] 3/5 · US Slow: If app was a little faster, I’d give it a 5 star. All other banking app is up to date and fast.
  15. [R196] 1/5 · US Trash: All this app does is crash. You log in and click on your account and it crashed over and over again. Id expect more from a Credit Union. Straight garbage app.
  16. [R9] 2/5 · US Log in trouble: I am no longer able to log in by my computer only by phone. It is extremely frustrating.
  17. [R75] 1/5 · US Password rest: I can’t even rest my password on the app or even the website
  18. [R123] 1/5 · US App Does not save login: No matter how many times I ask it to save the login it does not so each month I have to try to figure out the login 😤 old school company and tech that doesn’t work - wish I had gotten my car loan from a different bank!
  19. [R125] 1/5 · US Total Crud: There are two components to activate the ap. The first is the ID and the second is the password. I store them in an ap, “KeePass Touch” which holds IDs and generates very secure passwords and stores them. You have to be able to put both of them into the Travis CU before it will work. Here is what REALLY happens: 1. Copy ID from KeePass. 2. Go to Travis CU and paste the is into the Trav
  20. [R48] 2/5 · US Deposit feature broken: Every time I try to do a mobile deposit my screen goes black. My camera works perfectly fine. I have to kill the app after that and try again. Same thing. This isn’t the first time I tried to deposit through app.
  21. [R58] 4/5 · US New Update Ruined Check Deposit Function: I have loved this app and never had any complaints. However with the recent update, I can no longer deposit checks with the app. It allows me to enter the amount, but when I tap the button to take a picture of the front of the check, the screen turns black and nothing happens. I tried multiple times, and restarted my phone; still doesn’t work. I hope this
  22. [R73] 2/5 · US Redesign ruined the app: I’ve been using this app for years with no problems until the recent update. The new auto capture feature for the deposit never works properly. The old version had a manual capture that worked just fine every time but now I have to wait for the auto capture to fail multiple like it always does before it will allow me to do it manually. It makes the whole process take way l
  23. [R85] 1/5 · US Used to be great.: This app used to be great and I never had a problem with them before now, this new update made the mobile deposit much worse to the point it’s unusable, first it automatically try’s to take the picture for you and doesn’t read the check correctly, after I took it manually a second time it still said it couldn’t read it and asked me to do it again. The third time it finally worke
  24. [R76] 3/5 · US App redesign is OK - Missing Zelle: Had login issues saving passwords or using Face ID with previous version, improved with update. Zelle does not work. It’s not even visible from within the app, even though the website says it should be there. Using zelle app routes you back to the TCU app with no resolution. Almost there!
  25. [R183] 3/5 · US Unable to use Bill Pay: I have been unable to use Bill pay and Zelle on Safari every time there is an update
  26. [R37] 4/5 · US Only 4 stars can be 5: As a business owner using Travis Mobil has been great for the exception of the mobile deposit limits of 25k. Not business friendly. Also Travis needs to get Zelle accounts to work with their business aaccounts
  27. [R41] 4/5 · US Zelle: How to zelle money with this app
  28. [R1] 1/5 · US Stop with AI: Whatever this new AI situation you have going on with categorizing and renaming transactions needs to go. Month in and month out I am constantly reverting things back to the original name (payroll company name for example) because the AI constantly changes it to the wrong thing. I absolutely hate it, it’s inefficient, and annoying. If you’re going to push the feature out, at least gi
  29. [R46] 2/5 · US Bill Pay Memo Section: I’m disappointed that the memo section/text box in Bill Pay has been removed. Why did you remove it? Will you please add this feature back to Bill Pay? Thanks! UPDATE 11-12-24: The memo feature has always worked when logging in via the website, however, it’s still unavailable on the TFCU App. I’ve used bill pay a few times since your response to no avail.
  30. [R159] 2/5 · US Travis app and website: Typically it is slow both app and website and the bill pay doesn’t work on all my computers it has cookies and my systems want to block the site and doesn’t always work and I’ll have to pay bills off of my phone app
  31. [R192] 1/5 · US Needs work: I am a LONG time member, and do virtually ALL my banking on line, some with the app and some in a browser window. Recently, the iPad version of the app stopped letting me see the bill pay function, and instructing me to clear some data and check settings IN MY BROWSER! I’m not USING a browser, when I do it works fine … and the app works fine on my smartphone??
  32. [R66] 2/5 · US Please Fix your App!: Update! App still isn’t working properly. Still cuts off several choices for screens and is so oversized it’s hard to see anything. I’ve even tried deleting the app entirely and reinstalling to no avail. And no, I’m not going to change my entire phone settings just to placate this one app. Why is it like this? Please put it back the way it was! I don’t know what happened to
  33. [R104] 1/5 · US Outdated app: Apps states it was last updated 8 months ago but I don’t see how. Layout is very dated and it is difficult to navigate through, you really have to set time aside to play around and successfully do one thing(such as add account). This app needs major updates that are user friendly and straightforward navigation.
  34. [R109] 2/5 · US The CU is ok, app LACKS: On top of not having an updated debit card with a tap reader, the app also lacks. There are no widgets, no banner alerts when I spend money. No way to decline a purchase, they charge it and charge you an overdraft fee like a traditional bank. My other banks decline it and text me to get my things together lol It finally has mobile deposit, but it glitches just as much as
  35. [R121] 1/5 · US Upgrade the app already: You can’t even see what your monthly bill is. This app is like the quality of the first apps created. I hate their app so much I’m thinking of switching. Horrible!
  36. [R50] 2/5 · US Failed Transfers: I have done numerous instant transfers from my savings to credit card and they have not posted. However the money was promptly removed from my savings account. The app is going down hill.
  37. [R81] 2/5 · US New app not so great: I am disappointed with the new app. Maybe this is the bank but instead of withdrawals going thru within a day. It takes 3 or more. And this is business days. Deposits take longer. They are sitting there pending and I am waiting for them to go thru. Also not all of my purchases show up as fast. I bought something and it didn’t show up till way later that day and it took 3 days
  38. [R83] 2/5 · US Online banking: The new update on the app made online banking worse in my opinion. I’m constantly going into the nearest Travis near me and asking many questions because everything is so much more confusing. A lot of my money gets held for absolutely no reason. I get helped but then it happens again.
  39. [R99] 3/5 · US Could be bettter: Have issues transferring funds to other bank
  40. [R107] 3/5 · US Could be better: Would be more convenient if we could make our loan payments with debit card or electronic transfer instead of having to buy checks just make a payment to you. Nobody uses checks anymore. You should get with the times.
  41. [R128] 1/5 · US Frustrating: It makes it so difficult just to pay your loan. And if you call to pay they charge you $10 more. Have to write a whole check and upload it just to make a payment, would be easier to just let you pay by card or by entering your checking account info.
  42. [R131] 1/5 · US Terrible wait times: The app is so hard to reset when you forget user I’d/ password. Can’t mobile pay through app unless you have a checking account with them. Please change this and get with the times. Taking a pic of a check to pay a bill is kind of ridiculous.
  43. [R135] 1/5 · US Very confusing and difficult: Travis credit union makes it VERY difficult to navigate their app and pay your auto loans. Not to mention the customer service line is a 4 hour wait with 80 people in line. Definitely looking for a different loan holder.
  44. [R91] 1/5 · US Why??: Why would you release an “update” that disables a working app, and replaces it with an app that isn’t even working yet? This is reminiscent of the last time there was a major overhaul, when the new version took approximately 157X longer to load anything than the previous. Maybe next time, can you please make sure whatever you’re releasing is actually up and running first?
  45. [R96] 1/5 · US Doesn’t work: I’ve tried using this app several times and it’s never worked, after entering my password it just stays on a never ending loading circle.
  46. [R133] 1/5 · US Review: The app is slow and not user friendly.
  47. [R33] 2/5 · US New update: What the heck happened? It all of a sudden looks like a complete jumbled mess, and it won’t let me properly log out, which means that when I try to open it again, it may not let me since all I did was close the app instead of logging out. It literally worked fine, what was this update supposed to do?
  48. [R87] 1/5 · US Horrible: Don’t like the update. The old one was totally fine.
  49. [R92] 1/5 · US Terrible: This app is not user friendly at all. Worst banking app ever.
  50. [R141] 1/5 · US Frustrated: I have to reset my password about every 2 months. I am using Face ID and don’t think my appearance changes that frequently. It’s very frustrating having to call in and wait for someone to unlock app access even after changing my PW on the desktop.
  51. [R195] 2/5 · US Can’t find my app: This was a great app and convenient for mobile banking. Now I find it constantly drops or says my session has expired multiple times in a row. Constantly having to re enroll for thumbprint access as it loses that as well. For being such a fantastic bank they could spend a little money to improve this aspect of their banking.. too much frustration!

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