Summit Credit Union
The Summit Credit Union app has recently undergone a major update, resulting in a mixed reception where some users praise its new features and ease of use, while many others report significant issues with login, functionality, and a clunky, less intuitive interface.
The Summit Credit Union app received a major update 14.7 months ago, which has led to a polarized user experience. While some users appreciate the new features, modern interface, and improved financial management tools, a significant portion of recent reviews highlight persistent problems with logging in, app stability, and a perceived decline in usability compared to the previous version.
What users like
- New update is easy to use and convenient for managing accounts.R1R8R14R56
- Offers new features like spending analysis, balance widgets, and customizable views.R23R28R34R39
- Improved security with Face ID functionality for some users.R33R37
- Allows for easier external transfers and principal-only payments online.R39
- Provides good visibility of transactions and spending habits.R28R62
What users complain about
- Frequent login issues, including continuous 'proof you are human' loops, robot verification failures, and account lockouts.R10R18R238R93
- App often experiences maintenance errors, service unavailability, freezing, and crashes.R6R11R73R85
- New interface is clunky, unintuitive, and harder to navigate, with too much clutter.R5R22R32R38
- Mobile check deposit feature is unreliable or completely non-functional for many users.R20R108R113R155
- Difficulty viewing credit card transactions and making payments within the app, sometimes requiring use of a browser.R25R89R135R143
- Face ID/facial recognition often fails or requires frequent re-setup.R64R66R87R153
- Requires turning off VPN to log in, which is a security concern for some users.R35R86
- Users report issues with seeing all accounts, especially business or joint accounts, or having to switch profiles.R24R42R194
Latest update · v5.0.3
What the developer says changed (the verdict above weighs this against what reviewers report):
Well…the whole app! LOTS of easy new features in this upgrade from the former Summit mobile app. But it’s still all about making your finances stress-free, and your financial future more secure. Check out the new tools and many of your familiar favorites, too.
Recurring themes
Who it's for
This app is for existing Summit Credit Union members who are willing to navigate a potentially clunky interface and deal with occasional login or feature issues, but value the credit union's strong customer service R9R19. It might be suitable for those who appreciate new financial tracking tools and customization options R23R39. It is NOT for users who prioritize a seamless, highly reliable mobile banking experience with consistent Face ID, easy mobile deposits, and full credit card management within the app R10R18R89R113.
Evidence note: The developer's notes claim "LOTS of easy new features" and a focus on "stress-free" finances, which directly contradicts many recent reviews citing clunky UI, login frustrations, and broken features R10R11R38R42. The app's lifetime rating is high, but recent reviews skew significantly negative, indicating a downward trajectory in user satisfaction following the last major update.
Frequently asked
Does the Summit Credit Union app support Face ID?
Can I deposit checks using the mobile app?
Is the new app update easy to use?
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.
- [R1] Me facilita todo: Es fácil de usar y muy conveniente. Me gusta administrar mi cuenta con esta aplicación.
- [R8] Convenient: The app is pretty easy to use and very convenient. My only negative is they have such a low limit on Zelle transfers.
- [R14] Works for me: The app is easy to use. The service is always great!
- [R56] Best banking app ever: I never had any problems with the app. Easy to transfer and get things done!
- [R23] LOVE ❤️ So easy to use!!!: App is so easy to use and I LOVE all of the new features that help me manage and my money and make sure I am on track. This app is jam-packed with amazing tools - seriously there are too many things to list - my favs are dashboard view, the spending analysis, the ability to check on my CD’s, the balance widget (game-changer) and the spending alerts. Even though there are
- [R28] Great update !: I like the new visibility of transactions now . Seems way easier to keep an eye on your spending habits !
- [R34] Updated App works great!: The new app has so many more features than the old one. I can do whatever I need right on the app, no need to log into a browser for certain things. Way to go Summit!
- [R39] New app, more possibilities!: App has been amazing so far! So much more I can now utilize. External transfers are easier to setup, can finally make principle only payments online and not having to come in, and navigation has never been simpler! Can always remove the financial help widgets as well if needed since it’s extremely customizable.
- [R33] love this app!: face id finally works! super easy to navigate and very aesthetically pleasing
- [R37] Thank you!: Thank you for not making me redo my full password every time I fat finger the last digit in my 18 digit password!!!! Biggest update ever!!
- [R62] Very convenient: I review my account on a daily basis. I enjoy the details of withdraws and deposits showing the totals on each transaction. It is an app that I use every day and it is essential.
- [R10] Prove you are human: After being on basic hold for 25 min trying to solve this continuous loop of “proof you are human” code…… still not working! Had to hang up as I couldn’t wait any longer. No IT Dept to assist on the phone. Frustrating to say the least!
- [R18] Robot Verification doesn’t work: The app is helpful but I can’t login any longer. It’s stuck on the robot verification. It asks me to check the box, I do, then it loads for a second and then asks me to check the box again.
- [R238] Concerned: Had this app for many years and it’s always worked well. Tonight I tried logging in and suddenly my credentials no longer work. Getting an error message. I use facial recognition and when that didn’t work I used the password. Account locked and now it’s telling me my personal info doesn’t match what’s on file. Can’t even reset the password. Not too happy right now
- [R93] Locks you out: I’ve been locked out of the account to tell me I need to pay. How can I pay accounts I’ve been locked out of?
- [R6] The app is excellent, just crash sometimes.: The app works and gets the job done, but from time to time it freeze and stop working. I am sure it is something that it’s getting worked on.
- [R11] App seems to be under maintenance a lot.: It’s seems like I am unable to get into my app with unknown errors that relate to app maintenance, being given errors with no solution when I need access to my money now, not later.
- [R73] App does not work half the time: The app used to be great, never really had problems getting on it. Recently the app has been having a lot of problems where it will say service is unavailable. This can be crucial if you need to move money around. These unavailable issues have been a lot more common recently. Everything else on the app works well. Until this problem is fixed it will stay at a 3 for
- [R85] Does what it needs to, but lacks WOW: The app is certainly useful. Everything that Summit offers is available, but not always mobile optimized. It doesn’t always work as it should however - several days of no ability to log in and often a “freeze” when trying to access the credit card portal. Very frustrating when you make payments every day and are religious on monitoring card activity. I rea
- [R5] App: Very clunky
- [R22] Better and worse: This new version is better at consolidating accounts but worse at presenting them. So little info is allowed per screen compared to the old version. I sish there were s way to display accounts in a “comact” mode, more information per screen.
- [R32] Switch back to the old app!: I absolutely hate the new app. Hard to navigate. Everything looks the same. I don't feel like it's user friendly at all- I Luke's on the old one it had just the accounts and you clicked on whatever you were looking for.
- [R38] Polished Look. Painful Use.: The recent app update is perplexing. The new UI is clunky, unintuitive, and frustrating to use. Switching between credit cards and checking/savings accounts now requires adding separate profiles, creating unnecessary complexity and extra taps. The main view is cluttered with unnecessary tiles and analysis features, making it harder to access essential banking tools qui
- [R20] Overall great app: The app is great for most things. Once in a while an electronic deposit doesn't work due to poor handwriting and I have to take it to the bank (my old bank simply accepted as pending until a human could review and approve). Everything else works well.
- [R108] Camera for mobile check deposit never works.: Camera never lines up with check correctly.
- [R113] Mobile deposit does not work: This app used to work really well. Mobile deposits were simple and easy and worked every time, no problem. Then a change was made to the app and it now rejects the deposit every time. Please fix this so I can deposit checks again without going to the bank (which is never open outside work hours)
- [R155] Satisfaction: I can’t access my mobile deposit
- [R25] can't make payments: Since the new update I cannot make my car payments anymore. I now have to go in person to pay and it's frustrating because I work 9-5 Mon-Fri therefore I have come Saturday which makes my payments late. I can't wait to fully pay off this loan so I no longer have to bank here.
- [R89] App is Trash: While I like the bank, their staff, and their services- The app is absolute trash. You can’t do much on it, even to make a payment or view transactions on your account you have to log into the browser website which defeats the majority of the purpose of having the app.
- [R135] What is the point.: I opened my app today to check the balance on my credit card and imagine my surprise when Summit has taken away the option to view your credit card transactions on the app. I had to go on the website to view anything of actual use to do with my credit card. Please just put the option to view credit card transactions back on the app. JFC.
- [R143] Never shows anything: If you want something basic this is it. It will give you a balance and that’s about it. You can’t see no transactions you did or pending nothing. I have my bank acct credit card acct along with loan acct. I can’t see payments charges nothing. So frustrating. I deleted it and readded thinking ok maybe that will work. Nope!!!really hope they fix this.
- [R64] Please fix facial recognition feature: I often have to delete and reinstall the app to get this feature to work. 😬
- [R66] Don’t understand: App won’t save Face ID
- [R87] No Face ID: The app asks for login credentials every single time I try to login using Face ID, defeating the purpose. Very frustrating. If the dev team sees this and has any suggestions for resolving once and for all, will gladly take that input.
- [R153] App has … issues: Unable to get Face ID to work. Just keeps saying successful and then immediately unchecking the toggle. Password authentication doesn’t have the tagging correct to enable password manager automatic identification. Have to manually search for it every time I go to log in. And once i do actually get it to fill the fields it then fails to login as the entries end up duplicating my
- [R35] Unusable: You have to complete a captcha each time you login, which fails every time if you use a VPN. The recent app over haul is not user friendly.
- [R86] Unable to complete request when signing or logging in.: I use VPN on my iPhone for secure network connection. I have to turn off VPN in order to sign in through the app. This is the only app that will not work with when VPN is on. For this reason I gave it a 3 star.
- [R24] Accounts: I wish I could see all my accounts even the business on the home page without having to switch users
- [R42] New banking experience is hideous: Used to be intuitive and feature-rich. However, Summit has sacrificed all that in favor of a bunch of "financial health trackers" and "projected spending" widgets that don't apply to most. Account balance view has been relegated to a tiny portion of the screen. Worst of all, you now need TWO accounts to view personal and joint account details. Used to be able to
- [R194] New version has less: I can’t access any of my joint accounts now on this new version. I had to authenticate twice with texts and nothing is improved and now I can’t access all of my accounts on the mobile app. Hoping this is temporary and it will be back to normal but I know upgrades have half problems when first issued so I’m hoping this crappy version improves
- [R29] Dislike the new app: I used to be able to see so much more! Like when paychecks were pending and when a check was going to be released. Now it’s so confusing! There’s so much going on I can’t find anything and I had to rearrange everything. I’ve had it for a month and I just hate it.
- [R30] BIGGER, BOLDER, BETTER!: The new Summit app is great! Everything is clean & modern, easy to use & understand. Thanks, Summit CU!
- [R21] Zelle: Tried to send money to daughter using Zelle. Could NOT find Zelle in my app and the app is current.
- [R53] Updated App: They updated their mobile Provider and now I can’t schedule external transfers. So irritated!
- [R9] Good People: The staff is always willing to accommodate my requests and needs.
- [R12] Great Relationship: I’ve been with Summit Credit Union for 33 years. They have always been the financial mentor and partner I can count on.
- [R19] Summit, great employees: I have been with Summit credit union a long time. The institution and their employees are wonderful and always are willing to help. They treat me like family and I do not know what I would do without all of these people.💯
- [R26] Watertown Branch: Jake from Watertown branch is a amazing person! very helpful! You are very lucky to have him on your team!!
- [R168] New Mobile Check Deposit needs work: The new “auto photo” function the app uses never works. Please go back to the manual photos that always worked before, rather than making us wait until time passes while the auto function doesn’t work.
Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store