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

Metro Credit Union Mobile

30
User verdict / 100 High confidence In trouble

The Metro Credit Union Mobile app is currently experiencing significant issues with functionality, login, and outdated features following a recent update, despite some users finding it easy to use for basic banking.

4.8★ lifetime (17,341) Free to download since 2014 by Metro Credit Union updated 2.1 mo ago recent negative 65% 120 reviews across 1 regions
Login Issues Performance & Stability Missing/Broken Features Payment Difficulties Ease of Use (Basic)
5★66
4★9
3★13
2★24
1★138
recent reviews across 1 regions, vs the 4.8★ lifetime average

Recent reviews for the Metro Credit Union Mobile app indicate a sharp decline in user satisfaction due to numerous bugs, login problems, and missing features after a major update. While a segment of users still praise its ease of use for simple tasks, the overwhelming sentiment points to a broken and frustrating experience that contradicts the developer's claims of improved performance and navigation. The app's lifetime rating of 4.76 suggests a positive history, but the recent negative trend (0.648 recent-negative signal) indicates a significant downturn in quality.

What users like

  • Easy to use for basic banking tasksR1R5R8R12
  • Convenient for banking on the go and managing finances remotelyR5R7R12R28
  • Good customer service experiences reported by some usersR7R26R31R63

What users complain about

  • Frequent login issues, including Face ID/Touch ID not working, error messages, and forced re-entry of passwordsR3R13R32R38
  • App is slow, lags, and frequently crashes or freezesR24R38R39R40
  • Many features are missing, broken, or difficult to use compared to the old app or competitorsR4R22R29R41
  • Users are forced to use text message verification codes repeatedly, even with biometrics enabledR70R103R107
  • Payments are difficult to make, with limited options and delays in processingR2R4R25R29

Latest update · v26.1.401.1

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

Bug Fixes Improved Performance and navigation

Recurring themes

Login Issues negative
Many users report consistent problems logging into the app, including Face ID/Touch ID not working, frequent error messages, being kicked out, and needing to re-enter passwords multiple times. This directly contradicts the developer's claim of 'Improved Performance and navigation'.R3R13R32R38
Performance & Stability negative
The app is frequently described as slow, lagging, crashing, or freezing, making it unreliable and frustrating to use. This directly contradicts the developer's claim of 'Improved Performance and navigation'.R24R38R39R40
Missing/Broken Features negative
Users report that many previously available or expected features are now missing or non-functional, such as card lock/unlock, searching old transactions, full account number viewing, check deposit, and the ability to add memos to checks. The new UI is also widely disliked.R4R22R29R41
Payment Difficulties negative
Users struggle with making payments, citing limited payment options, delays in processing, and issues with scheduling payments that can lead to late fees and credit score impacts.R2R4R25R29
Ease of Use (Basic) positive
Despite the numerous issues, a significant number of users still find the app easy to use for very basic functions like checking balances and recent activity.R1R5R8R12

Who it's for

This app is for existing Metro Credit Union members who need to perform very basic banking tasks like checking balances and recent activity, and are willing to tolerate frequent technical issues and limited functionality R1R5. It is NOT for users who expect a modern, reliable, or feature-rich banking app, or those who need to make payments, deposit checks, or manage account details frequently R13R29R105.

Evidence note: The recent reviews heavily skew negative, with a strong consensus on login issues, performance problems, and missing features following a recent update. The positive reviews, while present, often refer to the app's basic usability rather than its full functionality or stability. The developer's release notes for 'Bug Fixes' and 'Improved Performance and navigation' are directly contradicted by the user feedback.

Frequently asked

Why is the Metro Credit Union app not working for many users?
Many users report that the Metro Credit Union app is not working due to frequent login errors, Face ID/Touch ID failures, slow performance, crashes, and missing or broken features following a recent update R13R32R46R52.
Does the Metro Credit Union app support Face ID or Touch ID?
While some users previously had Face ID working, many recent reviews indicate that Face ID and Touch ID features are currently not working or require re-registration after the latest update, forcing users to manually enter passwords R32R67R72R75.
Can I deposit checks using the Metro Credit Union app?
Several users report issues with mobile check deposit, stating that the button leads to a blank screen or an error message, making it non-functional for them R105R111.
Are there issues with making payments through the Metro Credit Union app?
Yes, users report difficulties making payments, citing limited payment options, delays in processing, and problems with scheduling payments that can lead to late fees R2R4R25R29.

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 Great!!!!: The app is very easy to use and convenient.
  2. [R5] 5/5 · US Easiest Banking App to use: Everything about the app makes banking on the go easy.
  3. [R8] 5/5 · US Great Mobile App: Very user friendly and easy to use.
  4. [R12] 5/5 · US So great: This app is so easy to use when making payments and keeping track of financing.
  5. [R7] 5/5 · US Awesome Credit Union !!!: I’m overseas most of the time and Metro makes life so easy for traveling and banking from anywhere in the world on this App !!! Always easy to contact and available if you need help. 40 years with them !!!
  6. [R28] 5/5 · US Great tool: This is a great tool, which allows you to do business from anywhere you want. In my case I used it while I was in my own room laying down on my bed. Love it! -the only negative thing I can say: is that the money is transferred on the weekend is available 2 days later- it's not good!
  7. [R26] 5/5 · US Teller: I was in recently and the teller was helpful. He suggested I change to high yield savings that I’m eligible to have. He did this for me in the spot and I’m seeing those rewards immediately. I’m grateful, because I was just busy and not looking at my options . Thank you Young man, sorry I did not get your name.
  8. [R31] 5/5 · US User friendly: Been banking with metro for years they are easy to use and good customer service. They also go out of their way to protect your funds.
  9. [R63] 5/5 · US Super star service: Metro has the best sales and service rep Dayana was amazing she helped me set up my transfers and the app is super easy to use !
  10. [R3] 5/5 · US App is always messed up: The app is always messed on some we have a error I have to get off then go back in over n overthink I’m going to leave this bank
  11. [R13] 1/5 · US Terrible app: Loved this app until they decided to destroy it with new update. Please bring the old app back. Update: For the last few weeks the app has not been working properly. when you first login you get an error message and you’re not able access your accounts.
  12. [R32] 1/5 · US Face ID not working: for a week now face ID wont work whatever update they did ruined it. Have to do banking on my computer which is inconvenient when im out if i need to transfer something.
  13. [R38] 1/5 · US 👎🏽: App is extremely slow and makes it unnecessarily difficult for me to log back in after forgetting password
  14. [R24] 1/5 · US Awful app: Can never function right, it takes forever to upload my accounts, and NEVER word during the weekends
  15. [R39] 1/5 · US Will be leaving metro: I used metro when I was a teen and it worked out for me because I had a part time job and only a few savings. However it has not really grown with me especially in a electronic world. There is always a problem with the app, it is so slow. It needs a major glow up. There’s always a maintenance issue and The banking services take forever and I really dislike that there is not
  16. [R40] 2/5 · US The app never works: It’s always lagging or completely down
  17. [R4] 1/5 · US Paying su-ks: Don’t like how we have only one option on how to pay. Should be able to pay over phone or use cc
  18. [R22] 3/5 · US Hard to use: This app is hard to use, especially connecting other banks and transferring money
  19. [R29] 1/5 · US Extremely limited: For a bank app I’m taken a back by how limiting this bank’s options are. I can’t pay loans using my checking and routing, adding a debit or credit card as a form of payment is tightly secured most attempts will never work. Forgot your password? Get ready, nothing will work, you’ll be bounced out over and over and start questioning your own sanity. This UX is so bad had I known I
  20. [R41] 2/5 · US Transfer limit: My money is subject to a daily transfer limit??,
  21. [R70] 3/5 · US Keeps asking for code via text Everytime I log in: How do I stop that? I've registered my biometric and my device in the app yet every time I log in, it used faceid but then next page shows the option to pick to insert 6-digit code. How do I stop that? Please help.
  22. [R103] 3/5 · US Really Frustrated: I am in the Credit union via the app. Practically every move I make, even after I have logged in, forces me to get a code via text message to proceed. I think 6 times they asked me obtain the code they will send via text. Too frustrated to keep going and I never did get to the link to verify a newly opened account. This is crazy.
  23. [R107] 1/5 · US Update is terrible: The new update makes me confirm log in by a text message every time. This is making me consider switching banks. The old app was much better and simpler.
  24. [R2] 1/5 · US Predatory lender: App is set up in a way to prevent you from making payments on time they also delay the over the phone payments to force late payments, doing my best to transfer this loan to a new company.
  25. [R25] 1/5 · US Don’t trust Metro: I used their raggedy app and my payment went 30 days past due. I was a 808 Experian score. Never missed a payment before. I never got a call from Metro letting me know either I wa about to go 30 days past due. My credit goes down over 100 points in 1 shot. I call to see what happened. They tell me I scheduled the payment for the correct month but 1 year on the future. I don’t bu
  26. [R46] 1/5 · US The worst banking app: I don’t think a single day goes by where I don’t have an issue with this app!! I’d give negative stars if I could. The constant error messages is ridiculous. This alone has had me considering switching banks to one with a more reliable app.
  27. [R52] 1/5 · US “False start” logins: For about the last 6 to 8 weeks, the app has been very glitchy. It appears to log me in, but then will not actually let me access any of my account details past the initial page that shows me the balances in each account. Sometimes I log out and log back in and it works fine; other timed I can login three or four times in a row with no luck. I really should not have to work
  28. [R67] 1/5 · US Very buggy: It’s such a hassle to login. My Face ID will not work. I have to enter the password manually. I have to try a few different times because I get error messages and then once I finally login, I have to exit out of the app without shutting it down, only then I’m able to use the app.
  29. [R72] 1/5 · US Log in issues: Frequently locked out of app. What’s the use of an app if I can’t log in. Have to call in for help. And still can’t use Face ID.
  30. [R75] 1/5 · US Many problems: First, remember my password and use fingerprint ID like every other competent iOS app. Second, the app freezes if you neglect to select the “deposit to” account, and you have to start over and re-take the photos. When I select an account to view under “accounts” the screen is blank with only a title at the top. I could go on, but why bother.
  31. [R105] 1/5 · US Can’t deposit checks: The mobile deposit button leads to a blank screen. That’s pretty much the main reason I use the app. It used to be a perfectly fine app until this redesign and since then it’s been nothing but issues.
  32. [R111] 1/5 · US Who is testing your mobile app?: The old app was much better. My Face ID was working but now I have to go register to re-enable it after an upgrade? Can’t deposit a check via the app because when I click on “Deposit a Check” it just brings me to an error screen that says “please sign and write for mobile deposit on the back of the check” in red letters. Ps. When you click on “App Support” it

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