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Updated July 2026 · real, multi-region App Store reviews
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The verdict on

CentralMOBILE

30
User verdict / 100 High confidence In trouble

CentralMOBILE's recent performance is severely hampered by persistent login issues, frequent crashes, and unreliable biometric authentication, despite some users praising the bank's customer service and the app's core functionalities when it works.

4.8★ lifetime (4,483) Free to download since 2014 by Central Bancshares, Inc updated 4.5 mo ago recent negative 63% 120 reviews across 1 regions
Login Issues App Crashes Security Questions Biometric Login Mobile Deposit Customer Service
5★33
4★8
3★4
2★16
1★62
recent reviews across 1 regions, vs the 4.8★ lifetime average

CentralMOBILE, the banking app for Central Bancshares, Inc., is experiencing a significant downturn in user satisfaction due to widespread technical issues. While the bank itself receives high praise for its customer service, the app frequently fails to allow users to log in, crashes, and has problems with features like Face ID and mobile check deposit. This contrasts sharply with its high lifetime rating, indicating a recent negative trajectory.

What users like

  • Bank offers excellent customer service and is highly regarded by usersR2R5R10R32
  • Mobile check deposit is a convenient feature when functionalR42R52R60R66
  • App is easy to use and navigate for basic functions when workingR4R36R45R53

What users complain about

  • Frequent login failures and 'sorry for inconvenience' messages prevent accessR1R3R7R11
  • App crashes immediately upon opening, especially after iOS updatesR8R16R20R21
  • Biometric login (Face ID/Touch ID) is unreliable and often stops workingR37R43R44R50
  • Users are repeatedly asked irrelevant or unset security questions, leading to account lockoutsR77R86R87R91
  • Some users report issues with external transfers and viewing all linked accountsR6R116
  • Missing features like viewing payment history, memo options for payments, and account/routing numbers within the appR13R35R110R121

Latest update · v25.2.100

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

We are continually releasing new updates to further improve your mobile banking experience. This version includes user interface improvements, security updates and bug fixes. Please be sure to turn on automatic updates to make sure that your app is always up to date.

Recurring themes

Login Issues negative
Many users report consistent problems logging into the app, frequently encountering 'sorry for the inconvenience' messages or being unable to proceed past the login screen. This often forces them to use the website instead or contact customer support.R1R3R7R11
App Crashes negative
A significant number of recent reviews indicate the app crashes immediately upon opening, particularly after phone or iOS updates. This directly contradicts the developer's notes claiming bug fixes.R8R16R20R23
Security Questions negative
Users are frustrated by the app repeatedly asking security questions they never set up, or irrelevant questions, which often leads to account lockouts and the inability to access their banking.R77R86R91R92
Biometric Login negative
Face ID and Touch ID features are frequently reported as unreliable, working intermittently or stopping altogether after a short period, forcing users to manually enter passwords.R37R43R44R50
Mobile Deposit mixed
While many users appreciate the convenience of mobile check deposit, some report issues with it crashing, not showing up for days, or having deposit limits that make it unusable for larger checks.R42R51R52R60
Customer Service positive
Despite app issues, many users consistently praise Central Bank's customer service, describing employees as helpful, kind, and going the extra mile.R2R5R10R32

Who it's for

This app is for existing Central Bank customers who value strong in-person or phone customer service and are willing to tolerate significant app instability, often resorting to the bank's website for transactions R3. It is not for users who rely heavily on mobile banking for daily access, quick transactions, or those who expect consistent functionality and reliable biometric login .

Evidence note: The recent reviews skew heavily negative, with a significant number of 1-star ratings detailing consistent and severe app malfunctions. This contrasts sharply with the high lifetime rating, suggesting a recent decline in app quality. The developer's notes mention bug fixes, but recent reviews strongly contradict this, especially regarding crashes and login issues.

Frequently asked

Does CentralMOBILE support biometric login like Face ID or Touch ID?
Yes, CentralMOBILE offers Face ID and Touch ID, but many users report that these features are unreliable, often stop working after a short period, or require a password entry even after biometric authentication R37R43R44R50.
Can I deposit checks using the CentralMOBILE app?
Yes, mobile check deposit is available and praised for its convenience by some users, but others have experienced issues with the feature crashing, deposits taking up to two days to appear, or having limits on the check amount R42R51R52R60.
Does CentralMOBILE work with the latest iOS updates?
Many recent reviews indicate that CentralMOBILE frequently crashes immediately upon opening after iOS updates, with users reporting issues with iOS 16 and even older versions like iOS 14.5, suggesting the app is slow to adapt to new operating system versions R27R28R29R30.

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. [R2] 5/5 · US The best bank: The best company also the best BANK
  2. [R5] 5/5 · US Local service: Central Bank is like family! They always go the extra mile to help with my banking needs
  3. [R10] 4/5 · US Central has been helpful: Had a stroke and they worked with me being very patient helping me keep my account straight!!
  4. [R32] 5/5 · US Tiffany: I love Central Bank. I have banked with them for 3 1/2 years since we moved. Two of my teens have student accounts and have done great saving money. Everyone is helpful and kind with transactions, questions and service.
  5. [R42] 5/5 · US Easy to manage my accounts: I can transfer money easily or check my bank balance within seconds. Love the ability to deposit checks from home. No technical issues ever.
  6. [R52] 5/5 · US Fantastic: Great App. Easy to use and very easy to navigate through your accounts. Mobile deposit is easy to use!!! Thanks Central Bank. FaceID never works on this app.
  7. [R60] 5/5 · US Very Nice Central Bank!: I love the app and my wife uses the iPad version. Mobile deposit is the best thing ever. I can pay bills fast and transfers to other people is really nice.
  8. [R66] 5/5 · US Works great: Use often to deposit checks and occasionally to pay bills. Works well. usually any problems are my own user errors.
  9. [R4] 4/5 · US Best Bank: CB mobile app is superb just like their employees.
  10. [R36] 5/5 · US Review: Works great!
  11. [R45] 5/5 · US ! READ HERE !: I used this bank and furthermore this app since it was the quickest way for me to acquire a bank account before basic training. Now, a year later deployed. This app is quite outstanding. The simplicity is out driven only by how fluid everything is. My only gripe would be that on occasion this app under goes maintenance and does not inform me. So sometimes I’ll need to check my balan
  12. [R53] 5/5 · US Central Bank App: The Central Bank App is simple, uncomplicated & easy to use which makes banking a pleasure!
  13. [R1] 2/5 · US Not working often: Too many times this app is not working or temporarily out of service
  14. [R3] 1/5 · US App login terrible: Logging into the app is horrible consistently won’t login saying sorry for the inconvenience. Then I go to the website and login without issue, back to the app no can do. I’ve reset my password multiple times for no reason because the app won’t let me login. This app is trash better off just saving the website in your browser and accessing that way.
  15. [R7] 3/5 · US App not signing in: This app is overall really good and I like central bank. The app will not log me in about 1/3 of the time. I’ll have to wait a few hours and try again this epically happens at night for some reason. I also switched from android to apple and the problem seems consistent across both platforms.
  16. [R11] 1/5 · US Horrible unreliable app: Gave the app one star because I couldn’t give it a zero. It never works on the first try. Most of the time it doesn’t work at all and then you go online to the website and it’s not working either. Super inconvenient and it’s been like this for years.
  17. [R8] 1/5 · US Doesn’t work: They need to invest in updating their system. This app just closes immediately when I try and open it. I’ve deleted and reinstalled, updated. Still just closes and I have a newer phone.
  18. [R16] 1/5 · US Has become the worst!!: As of about two days ago the app no longer will load. It tells me my iPhone is either jailbroke or rooted. MY PHONE IS NOT! You need to fix your app and the developer who doesn’t know what they are doing.
  19. [R20] 1/5 · US This app need to be updated why can’t you send out an update: This app needs a update it does not work with my iPhone. no problem before new update came out now it is junk
  20. [R21] 1/5 · US Stopped working: This app hasn’t worked in weeks.
  21. [R37] 2/5 · US Face ID: The Face ID feature works about half of the time. It will work for a while then quit again. So frustrating. I never have a problem with any other app that uses Face ID.
  22. [R43] 5/5 · US Face ID: Not working as it’s supposed to
  23. [R44] 4/5 · US App Function: Great bank but please make the Face ID function work!! I’ve tried everything but I’m having to type my password in every time!
  24. [R50] 2/5 · US Face ID Issue: Face ID login will work for about a week when you download the app. Then it stops working. You have to delete the app and then download it again for it to work for another week. My whole family has this same issue.
  25. [R77] 1/5 · US No longer works, can't login: It worked in July, needs updated or something. I get a bunch of security questions I didn't set up and then it fails to login. Previous version worked perfectly but current version is crap
  26. [R86] 1/5 · US Terrible!: This app is terrible! Every time I try to log in it asks me security questions that I have never set up and it ends up locking me out of my account! I end up having to reset everything because of it!! I would love if they could fix this! The app is the easiest way for me to deposit checks and now I can't! PLEASE FIX THIS!!!!
  27. [R87] 1/5 · US Never works: If you want to continually log in and answer questions only to be locked out even with the correct password or you want an app that doesn't work, this one is for you.
  28. [R91] 1/5 · US Deserved 0 stars: Worst app ever made. Asks you security questions you never even set up.
  29. [R6] 2/5 · US Needs fixing: Can NOT make external transfers using CENTRALMOBILE APP. It keeps kicking out of the peogram.
  30. [R116] 3/5 · US Needs help: Can't check my other accounts other the one. They said they link them all but still can't. Please fix it.
  31. [R13] 3/5 · US Receipt: I wish you would update the app so that you can view receipts. I can see where money was spent, but can’t see what it was spent on.
  32. [R35] 4/5 · US Really good app: Really simple and smooth app, but I don’t like I can’t find my account number and routing within the app
  33. [R110] 5/5 · US Not an improvement: I was hoping the new app would be better than the old one. But it has more limited access than the iPad app and the iPad app is very very limited as well. I used to use the iPad to check my account for discrepancies with my own records and reconcile my accounts with my own records. This app makes that much much harder and I can't even see the check number from the app. Neither
  34. [R121] 5/5 · US Newer Version Needs Help: This app update did not improve, in my opinion. I was in love with the former options and used them multiple times weekly for all my banking. The new app needs help before I feel the same for it. This new version took away several important features that the former app carried. Specifically: Payment history viewing And The Memo option for payments Removing these two
  35. [R23] 2/5 · US ITS NOT WORKING RIGHT NOW!: It won’t open the app for me and the only way I am able to access my money is through the website. There is no new update and I have restarted my phone and redownloaded the app. Nothing. But I hope it will be fixed soon.
  36. [R92] 1/5 · US Aggravating!!!: Keeps asking security questions that we have no answers for or ever used. Simply will not allow me to access through this app
  37. [R51] 4/5 · US Capturing image: Needs bigger spot for depositing checks
  38. [R27] 1/5 · US Does not work with iOS 16: App crashes immediately now after updating iPhone to iOS 16.
  39. [R28] 1/5 · US iOS 16: Will not open with iOS 16.
  40. [R29] 1/5 · US Does not work with iOS 16: App fails after iOS 16 update. Deleted and reinstalled with same results.
  41. [R30] 3/5 · US Problems: The app is not working with iOS 16. It crashes immediately upon opening.

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