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

Meritrust Mobile

20
User verdict / 100 High confidence In trouble

The Meritrust Mobile app has seen a significant decline in user satisfaction following a recent update, with many users reporting critical functionality issues, a clunky interface, and a preference for the previous version.

4.6★ lifetime (7,373) Free to download since 2023 by Meritrust Credit Union updated 8.3 mo ago recent negative 78% 120 reviews across 1 regions
App Performance User Interface/Experience Loan Payments & Transfers Missing Features Login & Verification
5★17
4★3
3★11
2★22
1★90
recent reviews across 1 regions, vs the 4.6★ lifetime average

Recent reviews for the Meritrust Mobile app indicate a strong negative sentiment, primarily due to a recent update that users describe as a downgrade. Many report issues with app performance, a confusing interface, and difficulty performing basic banking tasks, contrasting sharply with the app's previously high lifetime rating.

What users like

  • Some users find the new app's performance improved after recent changes.R35
  • A few users appreciate new features and personalization options.R113R126
  • Customer service representatives are sometimes helpful with app issues.R94R143

What users complain about

  • The app frequently crashes, freezes, or fails to load, making it unusable for many.R2R3R7R32
  • Users report difficulty with basic functions like making loan payments, transferring money, and paying bills.R4R11R12R17
  • The new interface is widely criticized as clunky, unintuitive, outdated, and less user-friendly than the old app.R10R18R25R29
  • The app lacks essential features like a quick balance widget and landscape mode for tablets.R9R36R57R71
  • Notifications for transactions are significantly delayed, making them unhelpful for real-time tracking.R51R59R95
  • Users frequently have to re-verify their device or log in multiple times, even after saving credentials.R15R26R37R91
  • The app has broken connections with third-party services like Plaid.R24R39R55

Latest update · v2025.08.001

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

Bug fixes and performance improvements

Recurring themes

App Performance negative
Many users report that the app is slow, clunky, frequently crashes, freezes, or fails to load accounts or information, making it difficult or impossible to use. This directly contradicts the developer's notes about 'performance improvements'.R2R3R7R13
User Interface/Experience negative
A significant number of reviews criticize the new app's design as outdated, unintuitive, confusing, and less user-friendly compared to the previous version. Many express a strong desire to revert to the old app.R9R10R18R25
Loan Payments & Transfers negative
Users frequently encounter difficulties making loan payments or transferring money. Issues include a convoluted multi-step process, requirements to transfer to a savings account first, and the app freezing or declining payments.R4R11R12R17
Missing Features negative
Several users lament the removal of features present in the old app, most notably the quick balance widget and the lack of landscape mode for iPad users. Other missing functionalities include the ability to search transactions or view specific date ranges.R9R36R57R71
Login & Verification negative
Users report persistent issues with logging in, including the app failing to remember usernames, requiring frequent device re-verification, and being logged out unexpectedly during transactions.R3R15R26R37

Who it's for

This app is for existing Meritrust Credit Union members who are willing to tolerate significant app performance and usability issues. It is not for users who prioritize a smooth, intuitive, and reliable mobile banking experience R7R29.

Evidence note: The recent reviews are overwhelmingly negative, with a recent-negative score of 0.783. While there are a few positive reviews, they are significantly outnumbered and often acknowledge the app is not as good as the previous version . The high lifetime rating (4.58) indicates a sharp negative trajectory in user satisfaction following the recent update, which is the focus of these reviews.

Frequently asked

What are the main problems with the Meritrust Mobile app?
The main problems with the Meritrust Mobile app are frequent crashes, freezing, and failure to load, making it difficult to access accounts or perform transactions R2R3R7R32. Users also widely criticize the app's clunky, outdated, and unintuitive user interface R10R18R25R29.
Has the app improved with recent updates?
While the developer notes mention 'bug fixes and performance improvements,' recent user reviews largely contradict this, with many users reporting continued or new issues with crashing, freezing, and slow performance R2R3R7R32. A few users, however, did note some improvements in performance R35.
Can I make loan payments easily through the app?
Many users report significant difficulty making loan payments through the app, describing the process as confusing, multi-step, and often requiring transfers to a savings account before payment can be made R4R11R19. Some users also experienced the app freezing or declining payments R12.
Does the app have a quick balance widget or landscape mode for tablets?
No, many users complain that the new app removed the quick balance widget that was available in the old version R36R71. Additionally, the app does not support landscape mode for iPads, forcing users to use it in portrait orientation R9R57.

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. [R35] 5/5 · US Better: Recent changes have improved the performance of the app. I am happier with it now.
  2. [R113] 5/5 · US I love the Meritrust app!: I love all the new features! The new app gives me such much more control over my money and I love the color!
  3. [R126] 5/5 · US Spectacular: I LOVE the new app!!! From the colors to the functionality…it’s so tech forward and fun to use. I like how I can personalize it and arrange my accounts and services how I want to see them. The accounts have so much information and ability to navigate through the system so easily!!! Great job Meritrust!! You make banking fun!!
  4. [R94] 5/5 · US Works after a call from Nick: I’ve been a Meritrust member for 20+ years, but didn’t realize that my checking account number and member number are different. I tried to re enroll for the online and mobile app but it kept giving me an error, so I sent a message on the chat. The following day, Nick called and was very helpful and patient with me while I tried to re enroll. He got everything working
  5. [R143] 5/5 · US Extra Account: Justin over at the MeriTrust branch on E 21st St N helped me open up my extra account. He was extremely knowledgeable, helpful and very friendly and courteous. Justin was ABOVE and BEYOND my expectations; which are ALWAYS high! He even set up my mobile banking app and my mobile account for me! Justin was a sheer delight to work with. I was a customer previously about 10 years ago an
  6. [R2] 1/5 · US Never loads: It’s like you need to be tapped into a nasa satellite to even load the app
  7. [R3] 1/5 · US App won’t work: This app is garbage. No matter how many times I try, I can never log into it.
  8. [R7] 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.
  9. [R32] 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.
  10. [R4] 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 🙅
  11. [R11] 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.
  12. [R12] 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
  13. [R17] 2/5 · US App improvements: App isn’t very smooth. Difficult to pay a cc have to do external transfer and wait days then go back in to pay. Would be better to be Apple to just pay the bill.
  14. [R10] 1/5 · US Difficult to Use: It's backwards and not user friendly. Still have to call in for information that should be able to access in the app. Not able to make payments ahead.
  15. [R18] 1/5 · US Outdated hard to use website and app: Use websites and apps all day every day. Nothing is as hard to use as this website. Customer service isn't much better.
  16. [R25] 1/5 · US Not intuitive: Harder to use than the old app. Really not a fan of this layout or how it’s set up. And stop asking me for my location every single time I open app. I hit no each time. Why is there not an option to not ask me again. This is so annoying
  17. [R29] 1/5 · US Hands down…: …the worst banking app I’ve ever used. The terrible online experience is the main reason I stopped using this credit union as my main financial institution, and then they upgraded to a new app and it only got worse. Non-stop issues with doing the most basic things like transferring. It’s clunky and I have a difficult time believing that anyone used/tested this and then gave it two t
  18. [R9] 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.
  19. [R36] 3/5 · US Needs a widget: I miss the old app that had the “quick view” widget for balances.
  20. [R57] 2/5 · US This app isn’t for iPad.: Why did you change the apps. The old app was so much better and functioned properly on my iPad. Now I have to turn my iPad and docking station side ways to use. Please include an app that functions properly on an iPad.
  21. [R71] 2/5 · US No widget: Where did the widget go??
  22. [R51] 1/5 · US Notifications from app: The notifications for withdrawals or deposits I have set up take forever to actually notify me, anywhere from 5-15 hours. Old app was instant. Would be nice it this could be fixed. Both the in app notification and the text take forever. This new app is awful.
  23. [R59] 1/5 · US I miss the old app: This app has taken several steps backwards in terms of convenience and ease of use for meritrust customers. What used to be an easy process to transfer funds is now a multi-step, clunky ordeal with multiple different screens involved. The spending alerts are also useless, as I will get multiple alerts at once - hours after the actual spending has taken place. I was excited
  24. [R95] 1/5 · US Disappointed: What’s the point going through and configuring alerts if the information shows up 24 hours later? No reason with today’s technology we can’t receive an immediate text when there’s been activity on our account.
  25. [R15] 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
  26. [R26] 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!
  27. [R37] 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
  28. [R91] 1/5 · US WHAT IS THIS ?: These 5 star reviews out there have to be fake. Probably encouraged customers in their lobby or even employees to write them. Still won’t make the app as good as the old version that you took away and gave to your more prosperous customers with companies. There’s no reason you couldn’t have invested in that same style app for a secondary customer base. I’m probably going to close
  29. [R24] 1/5 · US It’s back to not working with plaid: This is the third time this has happened and the interface is still often buggy at times
  30. [R39] 2/5 · US From good to meh: The website and app change was a real downgrade and I nearly switched banks over it. Plaid functionality FINALLY returned just before I’d had enough. Still, the app and desktop site have the same limited functionality and uninspired aesthetic. The less I have to deal with it, the better.
  31. [R55] 1/5 · US Plaid connections broken: The new app and redesign broke connections with account verifier Plaid and has disconnected my accounts from all of my 3rd party services like Rocket Money and Stripe. Update to developer: Plaid is a B2B service you had connected on the previous app. You must make the connection, not the end user.
  32. [R13] 2/5 · US Not a reliable app: The Meritrust mobile app is not alway reliable.
  33. [R19] 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

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