Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
User consensusAlternativesIs it worth it?
Better options than

Meritrust Mobile alternatives

Meritrust Mobile users often look for alternatives due to persistent app performance issues, including frequent crashes, login problems, and an unintuitive interface. Many also find the process for making loan payments and transfers overly complicated. Alternatives offer varied solutions, from improved mobile access to different banking or payment experiences.

Why users look for alternatives to Meritrust Mobile

The alternatives

GoSpotCheck Team
4.4★ · 24,404 ratings · Free

GoSpotCheck Team is an app designed for field operations, allowing users to complete 'missions' which often involve data capture, inventory counts, and photo submissions R52R55. It aims to be user-friendly and easily accessible for account-related information R55.

Better for: This app is better for businesses or individuals who need to manage and complete tasks in the field, especially those involving inventory, audits, or data collection that requires photo evidence R52. Users who value a user-friendly interface for field tasks might prefer it R55. However, potential users should be aware of reported issues with scanning barcodes, app crashes, and slow performance R53R54.

Head-to-head: Meritrust Mobile vs GoSpotCheck Team
Helium Mobile
4.8★ · 14,598 ratings · Free

Helium Mobile offers mobile phone service, with some users experiencing good service quality and responsive customer support for issues like stolen SIM cards R66R69. The app is generally seen as nice, though some users find the 'cloud points' system confusing .

Better for: Helium Mobile might suit users looking for a mobile phone service, particularly if they prioritize customer service R69. However, potential users should be aware of widespread issues regarding the availability of a 'free plan' R65R68, difficulties with updating payment methods or addresses within the app , and concerns about data throttling without warning . There are also reports of high spam call volume with new numbers and difficulties canceling service .

Head-to-head: Meritrust Mobile vs Helium Mobile
Meritrust Business
4.8★ · 8,256 ratings · Free

Meritrust Business is an app for business banking, with some users finding it great for managing accounts R80. It has seen improvements, such as the mobile check deposit feature working again for some users R92.

Better for: This app is better for Meritrust members who need a dedicated business banking app R80. It may be suitable for those who rely on mobile check deposit, as that feature has been fixed for some R92, although others still report camera problems R81R91. Users should be aware of potential issues with delayed alert notifications R79, login difficulties on the mobile app despite working on web browsers R82, and a short timeout period . Some users also find external transfers difficult and report inaccurate balance information .

Head-to-head: Meritrust Mobile vs Meritrust Business
HID Mobile Access
4.7★ · 8,139 ratings · Free

HID Mobile Access provides a way to unlock doors and access buildings using a mobile device, with some users finding it secure, friendly, and a 'game changer' for modernizing access .

Better for: This app is better for individuals who need mobile access to residential buildings, elevators, or other secure areas R98. It offers a convenient alternative to physical keys or cards . However, users should be prepared for inconsistent performance, especially when the phone is locked R98, and slow detection or poor connectivity R96. iPhone users may find it less convenient than Android, requiring the app to be open and potentially triggering Apple Pay R93. There are also reports of significant battery drain after updates R94 and the need for frequent re-logging or reinstallation .

Head-to-head: Meritrust Mobile vs HID Mobile Access
Upay.net
4.9★ · 5,060 ratings · Free

Upay.net is a payment platform that users describe as easy to use, fast, and reliable, with a wide variety of deals and special offers R108. The development team is seen as constantly improving the app R108.

Better for: This app is better for users looking for a convenient and reliable payment service with ongoing improvements and special offers R108. However, potential users should be cautious about reports of high service fees R109R111R113R115 and alleged scamming practices, including requests for ID information after payments R107. Some users also report the app being 'crooked,' not working properly, and requiring frequent re-login .

Head-to-head: Meritrust Mobile vs Upay.net
Stick with Meritrust Mobile if

You should stick with Meritrust Mobile if you primarily use the online service frequently , appreciate the in-person customer service at branches , or have found recent updates to improve the app's performance for your specific use .

Evidence note: No alternative had too few reviews to judge.

Frequently asked

Why do users find Meritrust Mobile difficult to use?
Users find Meritrust Mobile difficult to use because it frequently crashes, fails to load, or has login errors R1R4R13R45. Many describe the app as unintuitive, requiring more steps for operations, and making basic tasks like finding account information or setting up payments frustrating R7R15R18R21.
Are there issues with making loan payments on Meritrust Mobile?
Yes, there are significant issues with making loan payments on Meritrust Mobile, as users report it's very hard and frustrating R8R24. The process often requires customers to first transfer money into a savings account and then make the payment from there, which adds hassle and can take at least a day R6R8.
Does Meritrust Mobile have problems with mobile check deposit?
For Meritrust Business, some users initially reported problems with the camera for mobile deposit, with the screen being blurry or not working R81R91. However, an update in January 2023 resolved this issue for some, making the mobile check deposit feature work again R92.
What are the main complaints about HID Mobile Access?
The main complaints about HID Mobile Access include inconsistent performance, especially when the phone is locked, often taking a while or not working at all R98. Users also report slow detection and poor connectivity to unlock doors R96, significant battery drain after updates R94, and the inconvenience for iPhone users who may need to open the app and potentially trigger Apple Pay R93.
Does Upay.net have high fees?
Yes, Upay.net is reported to have high service fees, with users stating that it's "too much fee" and "very expensive" compared to alternatives like Xoom R109R111R113R115. For example, one user noted a $0.70 fee for a $5 transfer R111.

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] Meritrust Mobile 1/5 · US Never loads: It’s like you need to be tapped into a nasa satellite to even load the app
  2. [R13] Meritrust Mobile 1/5 · US Trash: The app crashes over and over, never loads or pulls up, constantly has errors, and over half the time you can’t even get passed the login screen. Considering switching banks just based on how bad this app runs and inaccessibilities of my account through the app.
  3. [R45] Meritrust Mobile 1/5 · US Crashes to Home Screen constantly: Since the latest update the app crashes to the home screen on any action. Transfer, view account, anything at all, instant crash. The app is completely unusable at the moment.
  4. [R46] Meritrust Mobile 1/5 · US Poor update: Recent updates cause the app to crash any time I do anything other than log in. There is no way to report it as when I try it will not let me.
  5. [R4] Meritrust Mobile 1/5 · US App won’t work: This app is garbage. No matter how many times I try, I can never log into it.
  6. [R11] Meritrust Mobile 4/5 · US Verifying: I have to verify my phone almost every time I log in after I’ve told it that this is my phone. Really annoying otherwise good
  7. [R48] Meritrust Mobile 2/5 · US Bugs: I’ve had the same phone the whole time I’ve been at meritrust. Always used this same phone to log in. Now all of a sudden, every time I get on the app of this phone, it makes me re-log in every time because it’s a “different” or “un trusted” device. That is so annoying
  8. [R7] Meritrust Mobile 1/5 · US Confusing: I’ve had a couple auto loan apps and this one is by far the most not self explanatory app when it comes to transferring money into the account and around the account. Very frustrating app to work with and set up auto payments 🙅
  9. [R15] Meritrust Mobile 3/5 · US Awful app.: Meritrust used to have the best app of all the financial institutions I use. Then they upgraded and now it’s awful. Very unintuitive.
  10. [R18] Meritrust Mobile 3/5 · US Where is account information?: I’m not 100% sold on this new app. Finding my full account information used to be so simple. Now it’s buried and so obscure I can’t even find it. By design or just an oversight???
  11. [R21] Meritrust Mobile 3/5 · US Not an improvement: I was very happy with the old app. This one is slow and every operation takes more steps.
  12. [R6] Meritrust Mobile 3/5 · US Loan payments: I’m regretting switching my loan payment over to this credit union. They’ve serviced it well. The problem is how tough they make it to simply make a payment. They require the customer have a savings account and that they make the payments from it. So there’s this huge hassle every month to make an external transfer into this account (which takes at least a day or two to process) bef
  13. [R8] Meritrust Mobile 5/5 · US Payment.: Very hard to just make a loan payment. Having to transfer to an account and then pay your payment from that is absurd.
  14. [R24] Meritrust Mobile 1/5 · US Car Payment: Dice we got this loan it has been nothing but trouble to use the app to make the payment! My husband has called multiple times and nobody seems to be able to help him! We set up direct debit. The payment was taken out and then returned to our account. I transferred money to our credit union account to pay the car payment and for two weeks I have been trying to do so but every time I t
  15. [R3] Meritrust Mobile 3/5 · US Bill Pay - Can’t see payee details: Why can’t I see the address info of the payees I’m paying in bill pay? It’s nice it finds something and seems to confirm with zip code, but I don’t feel confident that a smaller local company is going to the right place. I don’t need to have the ability to change anything, simply show me a street address. Finances are about how we feel as much as functionality.
  16. [R9] Meritrust Mobile 3/5 · US Bug Problems: Can’t type any numbers for bill pay or transfers, the keyboard won’t pop up. Just a bug they need fixed.
  17. [R39] Meritrust Mobile 1/5 · US Issues: The save the username button doesn’t work properly, also overnight the balance will change back to the amount that was previously deposited not quoting the correct bal.. which could potentially cause overdraft!
  18. [R12] Meritrust Mobile 3/5 · US Needs a widget: I miss the old app that had the “quick view” widget for balances.
  19. [R40] Meritrust Mobile 1/5 · US Recent IOS update: This app is basically unusable on my iPhone 14 Pro Max after the recent iOS update. I keep getting error messages when trying to use the app. Tried deleting the app and reinstalling and it still work work
  20. [R19] Meritrust Mobile 1/5 · US If It Ain’t Broke: I use my Ipad 99% to check my accounts. Now I cannot see what I need to see because screen will NOT reformat t0 landscape. Once this gets fixed then you will have a descent app. I have other financial accounts and EVERY ONE of them I can view in landscape mode on my IPad. Please fix this.
  21. [R52] GoSpotCheck Team 4/5 · US Inventory Count: The one problem to fix is a search for locating the numbers of the product to make it faster to do inventory.
  22. [R53] GoSpotCheck Team 3/5 · US small issues can be hugely frustrating: several persistent issues. it crashes sometimes in the middle of a mission & loses all my progress (photos, notes, etc) so i have to go back and redo everything i just did. it also freezes up randomly and takes forever to start responding again. ***this next “issue” is more of a preference/suggestion than a true issue, but i think it would be a lot more ef
  23. [R54] GoSpotCheck Team 1/5 · US Broken: After the update nothing works as it should making a 30 minute job into an hour plus. Thanks guys.
  24. [R55] GoSpotCheck Team 4/5 · US Good app: Great easy to use app, interface is user friendly & everything you do need to find related to your account is easily accessible..the only feedback id like to add is to please try to include an update that optimizes battery usage when using the app..i use a huge chunk battery life within two-three accounts because of this app..if yall could fix that it’d be great.
  25. [R65] Helium Mobile 1/5 · US Garbage: Advertised as being free, but my plan was canceled and app support was non existent. Complete waste of time.
  26. [R66] Helium Mobile 5/5 · US Great service: Everything works great
  27. [R68] Helium Mobile 1/5 · US Fraud: Made us add a credit card for “taxes and fees” on the free plan then turn around and increase the plan to $15 per month. Fraudulent way to make us pay money and get payment information
  28. [R69] Helium Mobile 5/5 · US Great Customer Service: My SIM card got stolen and Customer Service put my account on freeze for me as I requested. We eventually got it all sorted out. Quality people.
  29. [R79] Meritrust Business 2/5 · US Delayed alert notifications: Hoping the new app would send us immediate text alerts when our card is used, not so much. Disappointing.
  30. [R80] Meritrust Business 5/5 · US Review of app: Greta app enjoy using the app
  31. [R81] Meritrust Business 3/5 · US Still having Camara problems with mobile deposit: Is anyone else still having problems with the Camara when doing mobile deposit. Last time I left this review Meritrust replied they were working on a fix (it’s been some time ago) ????
  32. [R82] Meritrust Business 2/5 · US Login??: I just recently joined meritrust, and I can login just fine on any search engine (safari, google, whatever), but as soon as I put the exact same username and password on the mobile app, it says it’s not valid. Why have an app if it won’t even let you log in? And I tried clicking “forgot password” but it always takes me to a white screen and never sends me a new password to try, and my ori
  33. [R93] HID Mobile Access 1/5 · US Inconvenient: I agree with other reviewers. Switched from android to iPhone and now it wants to do Apple Pay every time I use it. With android I did not have to open the app but with iPhone the app has to be open. Just not convenient. This needs to be fixed and I can certainly revise my review then.
  34. [R94] HID Mobile Access 4/5 · US New Update Drains Battery: The update launched 6/29/26 is causing the app to use 24% of my battery. Please investigate and fix this issue.
  35. [R95] HID Mobile Access 3/5 · US No need for always on location: Should be no need for the app to always have location services on.
  36. [R96] HID Mobile Access 1/5 · US Generally doesn't work well: Slow to detect and give access
  37. [R107] Upay.net 1/5 · US Be aware scam they ask for your ID: After I made a payment on the platform, person from app called me to provide ID information. Be careful don’t give away your ID to these scammers
  38. [R108] Upay.net 5/5 · US Excellent app! You can really see that the team is constantly improving it. I love the wide variety of great deals and special offers. The app is easy to use, fast, and reliable. Thank you to the developers for creating such a high-quality service. Keep up the great work! · translated
  39. [R109] Upay.net 1/5 · US To much fee: Too much fee. Do something for vaqf free fee
  40. [R110] Upay.net 5/5 · US 👍👍👍: Yaxshi dastur ekan hammaga tavsiya qilaman ayniqsa operatorlari xush muomula bilan ma’lumot berdilar. Suxrob aka ga respect
  41. [R91] Meritrust Business 1/5 · US Mobile deposit: trying to make a mobile deposit and every time the screen is blurry and I get a message saying flip your phone sideways to take a picture and then it never works. I’ve tried for three days now. Please fix! I have updated my phone and checked for all updates, and nothing is prompting me to update my phone.
  42. [R92] Meritrust Business 5/5 · US Mobile check deposit is working again! 🥳: UPDATE (Jan 2023): This issue has been fixed and is working great! ORIGINAL REVIEW (Nov 2022): The mobile check deposit feature works great on my iPad but has been broken on both my wife’s and my iPhone for several months. Regardless of the phone’s orientation, the mobile deposit feature thinks the phone is in portrait orientation and prompts me to rotate
  43. [R98] HID Mobile Access 3/5 · US Not User Friendly: It works, inconsistently. If the phone is *unlocked* with the app open, it generally works 90% of the time. If the phone is *locked*, it either takes a while or doesn’t work at all about 90% of the time. My usage is for my residential building, elevators and exterior access inside the garage. Whether it has a good internet signal or not seems to affect performance. The Appl
  44. [R111] Upay.net 1/5 · US For $5, it takes $0.70. That is very expensive. · translated
  45. [R113] Upay.net 1/5 · US Unfair: ikki tomonlama pul ishlamas kerakda mard bolish kerak, dollar kursini 10000 dan hisoblab yana ustiga commission olish endi bilmadim , halol ishlash kerak , musulmonman deymiz qiladigan ishimizi ateist odam qimidi
  46. [R115] Upay.net 1/5 · US Service fee!: Service fee is too expensive to compare with Xoom, i hope I won’t use again.

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