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

Arrowhead Mobile Banking

55
User verdict / 100 High confidence Divided

The Arrowhead Mobile Banking app is generally easy to navigate for basic tasks, but recent updates have introduced significant issues with login, biometric authentication, Zelle functionality, and mobile deposits, leading to frequent crashes and a frustrating user experience.

4.9★ lifetime (31,143) Free to download since 2013 by Arrowhead Central Credit Union updated 0.6 mo ago recent negative 18% 120 reviews across 1 regions
Login/Authentication Zelle Functionality Performance & Stability Mobile Deposit User Interface/Experience Account Management
5★170
4★16
3★18
2★10
1★36
recent reviews across 1 regions, vs the 4.9★ lifetime average

The Arrowhead Mobile Banking app receives mixed reviews, with many users praising its ease of use for basic banking functions like transfers and checking balances. However, a significant number of recent reviews highlight persistent issues with login, biometric authentication, Zelle, and mobile deposits, often leading to frustration and difficulty accessing accounts.

What users like

  • Easy to navigate and use for basic banking tasksR1R4R13R15
  • Transfers are often instant and convenientR1R42
  • Mobile deposit feature is available and generally appreciated when it worksR25R42R250
  • Good customer service is available via phone or in-branchR43R46R47R51

What users complain about

  • Frequent login issues, authentication errors, and being logged out randomlyR11R14R16R41
  • Biometric (Face ID/fingerprint) authentication is unreliable or requires repeated setupR2R14R41R151
  • Zelle functionality is problematic, difficult to use, or completely non-functionalR12R20R26R30
  • Mobile deposit feature is sensitive, often fails, or takes a long time to processR52R94R210R247
  • App is slow, glitchy, and prone to crashingR14R41R111R120
  • Poor user interface design, cluttered, or difficult to navigate certain featuresR2R24R236R250
  • Difficulty viewing or managing multiple accounts without logging in/outR102R110R220
  • Lack of clear visual indicators for transactions (e.g., green for deposits, red for withdrawals)R8R170R189R192
  • Notifications for deposits and transactions are unreliable or delayedR56R211R248
  • Transfers between own accounts can take multiple daysR216
  • App frequently undergoes maintenance, often at inconvenient timesR57R154

Latest update · v4021.2.0

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/Authentication negative
Many users report constant issues with logging in, being logged out unexpectedly, authentication errors, and unreliable biometric (Face ID/fingerprint) login, often requiring repeated password entry or resets. This directly contradicts the developer's claim of 'easier access to the features you use most'.R2R11R14R16
Zelle Functionality negative
A significant number of users find Zelle difficult to use, with issues like being kicked out, contacts not saving, inability to send money multiple times, or Zelle simply not working at all. Some report it's a 'maze' to navigate or that the 'submit' button is obscured.R12R20R26R30
Performance & Stability negative
The app is frequently described as slow, glitchy, and prone to crashing. Users report encountering error messages, the app not responding, and general unreliability, making it difficult to complete basic banking tasks.R14R41R111R120
Mobile Deposit negative
While available, the mobile deposit feature is a source of frustration for many, with reports of it being overly sensitive, failing to accept images (especially the back of checks), or simply not working reliably, often taking a long time.R52R94R210R247
User Interface/Experience mixed
While some find the app easy to navigate, others criticize its cluttered design, poor UI, and lack of user-friendliness. Specific complaints include the chat bubble being in the way, difficulty finding ATM locations, and the removal of color-coding for transactions (green for deposits, red for withdrawals). The developer notes mention 'updates to the accounts, mobile deposit and navigation experience', but many users find the navigation and UI worse.R1R2R4R8
Account Management negative
Users express frustration with the inability to easily switch between multiple accounts (e.g., joint and personal) without logging out and back in. Some also report issues with transfers between their own accounts taking too long.R102R110R138R216

Who it's for

This app is for existing Arrowhead Credit Union members who primarily need to perform basic banking tasks like checking balances and making simple transfers, and who are willing to tolerate frequent login issues and unreliable advanced features like Zelle and mobile deposit. It is not for users who require seamless biometric login, reliable Zelle payments, consistent mobile deposits, or easy management of multiple accounts.

Evidence note: The sample of recent reviews skews heavily negative, with a recent-negative score of 0.184, which is significantly higher than the lifetime rating of 4.902. While many positive reviews praise ease of use, the negative reviews consistently highlight critical functional issues post-update. The confidence is high due to the strong recurrence of specific complaints across multiple reviews.

Frequently asked

Does the Arrowhead Mobile Banking app support Face ID or fingerprint login?
Yes, the app allows users to set up Face ID and fingerprint authentication, but many recent reviews indicate that this feature is unreliable, often fails, or requires users to re-enter their password repeatedly R2R14R41R151.
Is Zelle easy to use within the Arrowhead Mobile Banking app?
No, many users report significant difficulties with Zelle, describing it as a 'maze' to navigate, frequently kicking them out, or simply not working at all for sending money, especially to existing contacts R12R20R74R129.
Are there issues with mobile deposit in the app?
Yes, several users experience problems with mobile deposit, noting it is very sensitive, often fails to accept check images (especially the back), or takes a long time to process R52R94R210R247.
Can I easily manage multiple accounts (e.g., joint and personal) in the app?
No, many users find it difficult to manage multiple accounts, often having to log out of one and log back into another to view different accounts, which is considered a hassle R102R110R220.

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 Easy to Navigate: This mobile banking is great and very easy to use. Transfers are instantly completed when initiated. Like it a lot.
  2. [R4] 5/5 · US My opinion: Easy to navigate.
  3. [R13] 5/5 · US Banking made easy: Great app. Easy to follow
  4. [R15] 5/5 · US Love it: So easy to use
  5. [R42] 5/5 · US Quick, Easy, Fast!: I really enjoy my Arrowhead mobile banking app because of its quick facial recognition, easy navigation, and my banking is done lickety split. I can transfer money, use mobile deposit to deposit checks, and Zelle which makes everything so convenient. I highly recommend this app.
  6. [R25] 5/5 · US The mobile banking app: The App has been the most convenient way to use and maintain my banking account witch is convenient to deposit my checks instead of going into the bank ,I love this app .the only thing That’s lacking from Arrowhead Bank is not being able to Zelle big amounts of money to my landlord till there familiar with it other than that I love the app
  7. [R250] 2/5 · US Great for viewing balances, but not much else: This app looks like it hasn’t been updates in a decade. The interface is extremely slow, mobile deposit is hit or miss, and it’s just not user friendly. Please update this app!!!
  8. [R43] 4/5 · US Great customer support: I have to admit that the mobile app glitches occasionally; however, the phone and in branch support are excellent. Seeing their smiles when you walk through the door makes one feel at ease. No matter how long my issues take, they are always friendly and still professional.
  9. [R46] 5/5 · US Customer Service: Arrowhead Credit Union’s customer services vary from live chat with with an arrowhead credit union employee to calling them, the employees are always very friendly and helpful and the app allows union members to see all their finances. Would definitely recommend.
  10. [R47] 5/5 · US New member: Excellent customer service
  11. [R51] 5/5 · US Mi experiencia con Arrowhead.: Todas las veces que he necesitado de los servicios del banco, he sido atendido con cortesía por personal atento y profesional. Tanto en las sucursales como por teléfono. Entonces estoy agradecido y contento de tener mi cuenta en Arrowhead.
  12. [R11] 1/5 · US Broken again!!!: App is broken again! Authentication error! Tried a wrong password, that gives a bad credentials error, so that’s not the issue. They need to hire whoever develops Navy Federal’s app, it Always works
  13. [R14] 1/5 · US Terrible app: The app frequently crashes during use, often without warning. In addition, I am repeatedly prompted to sign in multiple times within a single session, even though Face ID is enabled on my device. This defeats the purpose of having biometric authentication and significantly disrupts the user experience. These issues have made it difficult to reliably access my account and complete bas
  14. [R16] 1/5 · US The app is horrible: The app is always having issues connecting, gives a “authentication needed” message but doesn’t allow you to do anything to resolve it, then you get a “system is not responding, try again later” message and you can’t view your balance or anything making it completely useless. I hate this app and wish Arrowhead would fix it. It sucks
  15. [R41] 1/5 · US Glitchy & SLOW!: Almost always encountering issues with this app. It is SO slow and glitchy! The “remember me” option often gets wiped and you have to manually enter member id & password again. Then authorize Face ID AGAIN. The chat feature is also hard to find as sometimes the bubble doesn’t even appear. If you are in the middle of being helped in a chat and have to navigate to another part of th
  16. [R2] 4/5 · US This app is SLOW & SUCKS: Cluttered, bad UI design, annoying to use. Remember is bad and can’t use saved face or fingerprint. Tired of typing my password every, single. time. Took forever to find it in setting. Ask once and that’s it. Chat bubble is always in the way, needs a way to hide it too. Locations page to find ATMs sucks too. Only shows sketchy places and have to resort to my map app. Like
  17. [R151] 1/5 · US Horrible login: This app is terrible it constantly crashes and then forgets all of my sign-in settings -yes, I keep my apps up to date and I gave it permission to use biometrics on this phone through settings. - I have my banking apps set up with biometrics so I can automatically sign in with Face ID. The app allows us to set up biometrics but it barely works and then the “remember me” option is
  18. [R12] 5/5 · US Mobile Banking Review: Love this app. The only thing I wish would be easier is Zelle. Takes a while to add someone and sometimes doesn’t let me Zelle certain people. Don’t know why that is
  19. [R20] 3/5 · US App: Love the App but for using Zelle is like a maze and harder to use. I get it playing safe but it’s almost impossible to use Zelle on here.
  20. [R26] 4/5 · US Good & Bad: Zelle kicks me out repeatedly and I have to start over. Annoying. Thx for the help-yourself routing, electronic & accounting info.
  21. [R30] 5/5 · US Ram: The app is convenient and easy to use. The only issue I have is my camera doesn’t always pick up the QR codes. When I’m trying to purchase something by using Zelle.
  22. [R52] 2/5 · US Mobile deposit: I have had more problems than not with the mobile deposit. It did not use to be as sensitive as it seems to be now? Took me 20 min to deposit one check tonight because it continued to deny my image of the back after I managed to get the front excepted. Not sure if it’s just me or if you have had other complaints? Thank you for being awesome though when I come In or call in with an
  23. [R94] 3/5 · US I want to rate higher: I am still having so many issues with the mobile deposit all the changes have been amazing so far! But every time I gave to upload a mobile deposit I’m annoyed and frustrated because 8/10 times it doesn’t work even with perfect lighting. Oh well maybe one day it will work
  24. [R210] 2/5 · US Too many issues: So I like the new app look. But I and some family have had issues. Last week my account balance was negative when it shouldn’t have been. I contacted arrowhead and was told that at night the balance will be wrong because the app hadn’t caught up to my transfer. However the transfer was in Green showing a deposit but the actual balance did not reflect it. Also at night I was not ab
  25. [R247] 1/5 · US How is this not fixed yet?: I love ACU…been a member for 35+ years. How have they not resolved their online and app issues yet? I have had many conversations over the past two years and it’s always the same answer…they are working on it. And I just read through the comments and everyone has the same ongoing issues with mobile deposits, etc. Every time I have talked to tech support, and supervisors
  26. [R111] 3/5 · US Glitches: Only problem with this app is how bad it glitched
  27. [R120] 3/5 · US Logging me out: I don’t know why my app keeps crashing and logging me out. It’s frustrating. I’ve refreshed re downloaded and still keeps logging me out
  28. [R24] 3/5 · US Good app can be improved: UI could be more user friendly
  29. [R236] 1/5 · US Not loving the new APP: Just logged into the new app and it looks like all my payments will now be made through Apple Pay. So much extra. The old app worked great, this took days to update! Was not ready when it was promised, all the extra steps so not cool. Not user friendly at all… I’m NOT looking forward to the phone calls from grams because she can’t use this one… so upset! 😪 My mom is even st
  30. [R102] 1/5 · US Make it easier to switch between accounts: You need to make it easier when I have joint accounts to switch between mine and someone else’s. I shouldn’t have to log out of mine and into the other account. I shouldn’t need to have multiple logins. Other banks don’t have this issue. It’s one log in for everything. FIX THIS!!!
  31. [R110] 3/5 · US Good app could be better: It’s a good app, but it would be better if you could view multiple of your accounts without having to log out and in and out and in and out and in again. It’s a hassle just to check my joint account and my personal account.
  32. [R220] 1/5 · US Not impressed: Since your not gonna let me add my other arrowhead accounts to the snap shot view you can at least allow me to log out so I can check the other accounts. The app currently won’t let me log into other accounts other then the first one I logged into.
  33. [R8] 5/5 · US Overall satisfied: Overall I get what I need from the app. I wish it would make the deposits a different color like it used to do before.
  34. [R170] 1/5 · US Stop changing things!: The app no longer shows your deposit amounts in green and withdrawal amounts in red. Super frustrating and confusing for elderly family members!!
  35. [R189] 1/5 · US Worked until latest update: Deposits no longer show up in green any longer. Please fix Why has this taken so long to fix? Please send me the code base and I will fix it for you. Ever heard of Agile software development?
  36. [R192] 3/5 · US Change the coloring again: The app needs to go back to when the new version was first released. It would show green for credits and red for withdrawals. Now everything is all black for both, hard to tell from the two
  37. [R56] 2/5 · US App doesn't notify me about deposits: I've been with Arrowhead for about 15 years. This app is still problematic even after the overhaul. I don't get notifications about deposits etc. until i click on the app and open it. (Yes, I have notifications turned on for this feature) SUPER FRUSTRATING. I've uninstalled/ re-installed the app and still... Same issues.
  38. [R211] 2/5 · US Update: With the new update it takes way longer to see new transactions and balances. I’ve counted up to 7 minutes. This is so inconvenient.
  39. [R248] 2/5 · US Needs a new update!: I enjoy this app and mobile deposit . But not having the option of receiving text or email notifications from the app or bank with any transaction was the problem. And the app crashes more than enough times and it’s frustrating.
  40. [R216] 1/5 · US Transfer: Why does it now take a couple days to transfer from my savings to my checking. My funds are there and visible. I pay all my bills from my checking. So now I have to wait 2 + days to transfer within my own account? Why does it say that there is no payment history for my bills/payee? Will that be transferred over or updated?
  41. [R57] 2/5 · US neeeds work fasho.: app always under maintenance, it’s really annoying bec it be the worst times ever. other than that, it’s alright.
  42. [R154] 1/5 · US App rarely works: There are way too many flaws and dysfunctions. They say you can do zelle but mine doesn’t work. I’ve called twice and nobody bothers to call me back with a resolution. Constant maintenance and still an app that is only working half the time. Lately with when log in and go to your account and then it boots you out and you have to re login, again. It’s so frustrating, and time co
  43. [R138] 1/5 · US Arrowhead CU app: App needs help, can’t transfer from Arrowhead accounts. Just to link an account is hard enough!
  44. [R74] 2/5 · US Zelle hasnt worked in a month!: I have deleted the app, reaet my phone, Zelle just stopped working I just get an error message every time I try to use it. There's not even an option for Zelle on the website when I try from my laptop. Super random
  45. [R129] 3/5 · US Zelle doesn’t work properly: I love everything else about the app, but when I want to send money to someone through Zelle, I can do it only once. After that I put in their information in to send money, it says that that contact already exists and to select new information. But it doesn’t even show me that their information is in my app. So I have no way of sending them money more than once unless

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