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

My CFCU Mobile

45
User verdict / 100 High confidence Divided

My CFCU Mobile receives praise for its customer service and basic banking functions, but recent updates have introduced significant issues with Zelle, facial recognition, mobile check deposits, and overall app stability, leading to a decline in user satisfaction.

4.8★ lifetime (5,993) Free to download since 2013 by Certified Federal Credit Union updated 1.7 mo ago recent negative 35% 98 reviews across 1 regions
App Performance & Stability Feature Malfunctions Login & Access Issues Customer Service User Interface & Experience
5★50
4★5
3★9
2★6
1★28
recent reviews across 1 regions, vs the 4.8★ lifetime average

My CFCU Mobile is a free banking app that allows users to manage their accounts. While many users appreciate the credit union's customer service and the app's basic functionality for transfers and balance checks, recent updates have caused widespread issues with features like Zelle, facial recognition, and mobile check deposits, along with frequent crashes and slow performance.

What users like

  • Excellent customer service from the credit unionR2R4R14R18
  • Easy and convenient for basic account management like checking balances and transfersR17R22R26R40
  • Some users report successful mobile check deposits and transfers without issuesR47R49R51

What users complain about

  • Zelle functionality is broken or missing, preventing transfers to external partiesR1R3R16R27
  • Facial recognition and Touch ID features are not working or are difficult to set upR5R8R12R19
  • Mobile check deposit feature is unreliable or completely broken for many usersR15R73R81R82
  • Frequent app crashes, freezing, and slow performanceR6R7R24R43
  • Users are frequently logged out or locked out, requiring password resetsR25R29R38R63
  • Issues with Plaid integration, preventing connections to other financial servicesR11R13
  • New update changed the interface, making it less user-friendly, harder to navigate, or with large fontsR7R35R36R58
  • Delayed alerts for transactions and withdrawalsR20R27
  • Difficulty selecting accounts for bill payments, requiring manual transfers firstR37

Latest update · v5.16.113

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

Improved performance and Bug Fixes

Recurring themes

App Performance & Stability negative
Many recent reviews report the app is slow, laggy, crashes frequently, freezes, and often times out or logs users out unexpectedly. This contradicts the developer's notes claiming 'Improved performance and Bug Fixes'.R6R7R24R43
Feature Malfunctions negative
Key features like Zelle, facial recognition, and mobile check deposits are widely reported as not working or being highly unreliable. Users cannot make Zelle transfers, facial recognition fails to log them in, and mobile check deposits frequently error out.R1R3R5R8
Login & Access Issues negative
Many users experience difficulty logging in, being frequently logged out, or getting locked out of their accounts, often requiring password resets. This significantly hinders access to their banking information.R25R29R38R63
Customer Service positive
Despite app issues, many users consistently praise the credit union's customer service, describing employees as helpful, kind, pleasant, and informed.R2R4R14R18
User Interface & Experience negative
Recent updates have led to complaints about the app's new format, with some finding it less user-friendly, difficult to navigate, or having issues like excessively large fonts.R7R35R36R58

Who it's for

This app is for existing Certified Federal Credit Union members who primarily need to check balances and perform simple transfers within their accounts R40R47R51. It might be suitable for users who value strong customer service from their credit union R14R18 and are willing to tolerate significant app issues for basic functionality. Users who rely on Zelle, facial recognition, mobile check deposits, or expect a stable, modern banking app should skip this R1R8R82.

Evidence note: The recent reviews skew heavily negative, with many 1-star ratings detailing numerous critical bugs and performance issues. This contrasts sharply with the lifetime rating of 4.81, suggesting a significant negative trajectory in user experience following recent updates. The developer's notes about 'Improved performance and Bug Fixes' are directly contradicted by a large number of recent user reports.

Frequently asked

Does My CFCU Mobile support Zelle for money transfers?
No, many recent reviews indicate that Zelle functionality is either completely broken or missing from the My CFCU Mobile app, preventing users from making transfers to other people or outside the bank R1R3R16R27.
Is facial recognition or Touch ID available and working in the app?
While some users mention facial recognition, many recent reviews report that the feature is not working, cannot be enabled, or only works after manually entering a password, making it unreliable for quick logins R5R8R12R19.
Can I deposit checks using the mobile app?
Many recent users report significant problems with the mobile check deposit feature, stating it often fails to upload pictures, takes a long time, or simply does not work at all R15R73R81R82.
How is the app's performance and stability?
Recent reviews indicate poor performance and stability, with users frequently reporting the app is slow, laggy, crashes often, freezes, and logs them out unexpectedly, directly contradicting the developer's claims of improved performance R6R7R24R43.

What reviewers actually said

Built only from these 98 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. [R2] 5/5 · US Best Union: Very very happy with my UNION
  2. [R4] 5/5 · US Thanks Ruby!: So helpful and kind! God Bless you!!!
  3. [R14] 5/5 · US Love this Credit Union!: I’ve been with them for many years and I love their customer service and competitive rates! Keep up the great work!!
  4. [R18] 5/5 · US Banking with certified federal credit union: I love banking with Certified federal credit Union, the employees are so pleasant and very informed, and they really help me out whenever I need it. They are the best.
  5. [R17] 5/5 · US Excellent Mobile App: The Certified Federal mobile app allows me to do everything I need or want quickly and easily. Very nice to use.
  6. [R22] 5/5 · US Easy and convenient: I like that I am able to get access to my account quick and easy. I can troubleshoot without having to call the bank for most simple cases.
  7. [R26] 5/5 · US Love this app: Thanks for making it so user friendly. I have used it for many years and will continue to for many more.
  8. [R40] 5/5 · US Great app: Love using this app to do quick transfer, check on my balance and balance history. Makes life a little bit easier.
  9. [R47] 5/5 · US No hitches: Used app for several years and have no problems depositing from home or transferring from anywhere. Simple, straightforward app with no problems whatsoever. Easy access to all accounts. I couldn’t ask for more.
  10. [R49] 5/5 · US Best Bank Ever: I have been using this app for years and it has been the best around. I love this app for multiple reasons. If you’re on the fence about this app, take my testimony as a shove over the fence to get it. This app allows me to have multiple accounts so that I can separate my money from each other. It’s like a virtual wallet!!!
  11. [R51] 5/5 · US On vacation in Mexico and the service is great: I’m visiting my family in Guadalajara, went to celebrate my father’s birthday and I needed to make a transfer from my savings account to my checking account to pay the bill at the restaurant, the app worked excellent
  12. [R1] 1/5 · US Zelle does not work: There is no much left to say, I have not been able to make a single transfer with Zelle.
  13. [R3] 1/5 · US Worse app: This app or branch need to upgrade to modern times !!! Cant connect to any tap for my phone or zelle a d sending people money is a hassle
  14. [R16] 4/5 · US Review: Love the app, only wish it would have Zelle!
  15. [R27] 2/5 · US This app is annoying: This is not like a no normal bank app I can’t set up mobile alerts. I can’t do transfer money to anyone out side the bank. I’m annoyed
  16. [R5] 2/5 · US Can’t enable face ID: There’s no option for setting the face ID login in the security settings.
  17. [R8] 3/5 · US Facial recognition doesn’t work: Everything’s pretty nice on the new app except facial recognition doesn’t work to save your life. Please fix this.
  18. [R12] 4/5 · US Cool update but: After so many years of a plain app it finally got an update. So far I’m liking except….. I can have the facial recognition to open it up. I can’t find where to add that feature 😫
  19. [R19] 1/5 · US Face recognition password: Every time I go to login, I have to put in my password the face recognition doesn’t work. It only works after I put in my password every time.
  20. [R15] 5/5 · US Deposit check thru mobile app: Just when you deposit a check it takes long it doesn’t get it at the first time and it’s frustrating
  21. [R73] 3/5 · US Photo deposit: Photo deposit feature still doesn’t work. Been about a year?????
  22. [R81] 1/5 · US Cannot upload pictures for mobile check deposit: Since this new upgrade, now I cannot upload my pictures for mobile check deposit! Please fix the problem?! The credit union is also closed on weekends?! Very inconvenient.
  23. [R82] 1/5 · US Crappy App: I can no longer make remote deposits with this app. Now, I get an error message. Every. Single. Time. Horrible app.
  24. [R6] 4/5 · US Needs a new update: I sign in to my account and once I’m in the application vanishes from my phone to my homepage. This needs a new update.
  25. [R7] 1/5 · US New update is horrible: I dislike this update so much. Nothing is actually up to date in your account when you move things around. App also crashes and takes forever to log in.
  26. [R24] 3/5 · US Laggy: When selecting certain account it takes a long time to load. At times even times out.
  27. [R43] 5/5 · US Lily: App constantly crashes and sometimes refuses to work on sign in! Needs improvement, it’s ridiculous! I have been using it for years and it just continues to be worse.
  28. [R25] 3/5 · US Logged out: I like it but after not using it for a few days it longed me out and I it was a big deal logging back in. Ugh please change that feature
  29. [R29] 1/5 · US All nicknames taken.: I hate this system. What a pain to get on my acct. I select delivery preference as email. Asks for authentication code but I don’t get the code in email.
  30. [R38] 1/5 · US Terrible App: Every time I try logging in, it locks me out and I have to reset my password which takes a long time. It’s unreliable when I need it most so I hardly log in. I’m going to change banks because I’m fed up with not being able to access my account online.
  31. [R63] 1/5 · US FIX YOUR APP!! (iPhone 8 Plus): This app used to work pretty well. It started to unravel when they added Touch ID. After this latest update, it’s a total JOKE! I literally have to reset my phone BEFORE I CAN USE THE APP, EVERY SINGLE TIME! When I click on the app, it says my session timed out, even though I log out manually each time. It’s just dead, it won’t do anything until I do a reset on
  32. [R11] 1/5 · US Worst bank: You can even use plaid, when you try to have a loan in other banks or any loan company you can’t access in their bank when you use plaid and it goes to sign in bank is either bank is in active or can’t see your bank. Worst ever
  33. [R13] 1/5 · US Terrible system: Been on hold for the last 4 days it seems ! Updated system has me locked out of my PLAID account! And the credit card company says it’s not there system at fault delaying my refund
  34. [R35] 1/5 · US The new format is too hard to work with: I was shocked when I opened my VonsCU APP- which I loved- to discover that the font is SO LARGE I can’t read anything without having to click through every screen, and even then all the information I used to get on one page is not there. PLEASE return it to the way it was.
  35. [R36] 2/5 · US App: Like the old format
  36. [R58] 2/5 · US Antiquated and Slow: Though I love being able to access my accounts, this app leaves a lot to be desired. It’s like an app that looks like it was designed by a high schooler: basic and slow. My main bank account is with Wells Fargo and their app is so much better, quicker and much more user friendly. Thankfully this is my secondary banking institution because it’s my employers credit union. Love t
  37. [R20] 3/5 · US Alerts: Alerts are delayed would be nice to get instant alert of withdrawls and transactions and not hours later
  38. [R37] 3/5 · US Paying Bill Account Options: Before I was able to choose from which account I wanted to pay my bill from but now I can’t. So now I have to constantly transfer money before paying my bill which makes it inconvenient. Hope they fix that.

Synthesized from 98 recent App Store reviews · updated July 2026 · View on the App Store