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

Metro Credit Union

55
User verdict / 100 High confidence Divided

The Metro Credit Union app has recently experienced significant technical issues, including frequent crashes, login problems, and mobile deposit failures, despite a generally positive long-term reputation for customer service and ease of use.

4.9★ lifetime (5,445) Free to download since 2014 by Metro Health Services Federal Credit Union updated 0.6 mo ago recent negative 17% 120 reviews across 1 regions
App Stability Login & Authentication User Interface & Experience Mobile Deposit Customer Service
5★115
4★13
3★4
2★9
1★18
recent reviews across 1 regions, vs the 4.9★ lifetime average

The Metro Credit Union app, despite a high lifetime rating, is currently facing a wave of negative reviews due to critical functionality issues post-update. Users report frequent app crashes, persistent login problems, and unreliable mobile deposit features, directly contradicting developer claims of an improved experience. While many long-term members praise the credit union's customer service, the app's recent performance is a major concern.

What users like

  • Excellent customer service from the credit union staffR6R21R22R28
  • Easy to use interface and navigation for many usersR25R26R27R30
  • Convenient features like remote check deposit and fund transfersR36R37R47R55
  • Ability to customize and organize accountsR25R42R43R48

What users complain about

  • App frequently freezes or crashes, making it unusableR4R11R12R15
  • Persistent login issues, including needing to re-login constantly and invalid credentialsR3R8R10R17
  • Mobile deposit feature is unreliable or not workingR6R11R110R153
  • Lack of modern biometric login options like Touch ID or Face ID for some usersR156R157R78
  • Difficulty changing transfer dates or managing bill pay optionsR7R60
  • Concerns about unexpected fees or early bill payments causing overdraftsR1R9R82

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

App Stability negative
Many recent reviews report that the app frequently freezes, crashes, or force closes, making it difficult or impossible to use. This issue is widespread and has been ongoing for weeks for some users, directly contradicting the developer's notes about an 'easier access' experience.R4R11R12R15
Login & Authentication negative
A significant number of users are frustrated with persistent login problems, including being forced to log in every time despite selecting 'remember me,' issues with device verification, and invalid login errors. Some also note the absence or unreliability of Touch ID/Face ID.R3R8R10R17
Mobile Deposit negative
The mobile deposit feature, highlighted as updated in the release notes, is frequently reported as non-functional. Users experience freezing, camera access issues, or being told they are 'not eligible' to deposit checks.R6R11R110R153
User Interface & Experience mixed
While many users praise the new app's look, ease of use, and customization options, some find the 'upgrade' to be a regression, harder to read, or prefer the old interface.R25R26R27R30
Customer Service positive
Many long-term members consistently praise Metro Credit Union's excellent customer service, describing staff as helpful, patient, and making them feel like family. This positive sentiment often contrasts with their frustration over the app's recent performance.R5R6R13R16

Who it's for

This app is for existing Metro Credit Union members who need basic banking functions on the go, provided they can navigate the current technical issues. It might be suitable for those who value strong in-person or phone customer service from their credit union R28 and are willing to tolerate an unreliable app experience. It is NOT for users who rely heavily on mobile banking for daily transactions, remote deposits, or consistent, hassle-free access R10R11.

Evidence note: The recent reviews skew heavily negative regarding app functionality, which contrasts sharply with the high lifetime rating. The developer's notes claim improvements to core features, but recent user experiences directly contradict these claims, particularly for mobile deposit and navigation. The positive sentiment is largely directed at the credit union's overall service, not the recent app performance.

Frequently asked

Does the Metro Credit Union app support Touch ID or Face ID?
While some users report having fingerprint capability, many recent reviews indicate that Touch ID is lacking or unreliable, and facial recognition is not consistently available or working, forcing users to manually log in frequently R39R41R59R73.
Can I deposit checks using the Metro Credit Union app?
The app is intended to support mobile check deposits, and some older reviews praise this feature, but many recent reviews report that the mobile deposit function is not working, freezing, or showing users as 'not eligible' after the latest update R6R11R36R68.
Is the Metro Credit Union app easy to use?
Many users find the app's interface easy to use and navigate, with convenient features for managing accounts and transfers R25R26R27R30. However, this ease of use is often overshadowed by critical bugs that prevent basic functionality R4R11R12R15.

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. [R6] 5/5 · US Metro FCU: I moved to Denver CO 2 yrs ago this month the only thing I knew I would have a big problem with was Metro didn’t have a location in Denver and I knew I did Not want to change to another credit union! I’ve been with them since I think at least 1987 maybe before! They’ve helped me in bad times and been there in my good times too! But I’m going to contact them I’m having trouble depositing
  2. [R21] 5/5 · US Bank for the people!: Love the bank, staff and the services provided by the bank!!
  3. [R22] 5/5 · US #lovemyMetro: The app is such a great tool! Easy to use and the convenience of checking my account at the touch of my fingertip is a GAME CHANGER! When I do go inside the bank or thru the drive thru, the tellers & bankers are genuinely glad to help you and answer questions, good conversation even for a short time. Even over the phone, great customer service is consistent. After experiencing other
  4. [R28] 5/5 · US Supervisor: I have been with metro for over seven years and I have had great customer service for all seven years any problems they solved anything I need they were there to help I love MetroCU and I will go nowhere else
  5. [R25] 5/5 · US Just a Great App: Love that I can customize the app for me! It’s everything I need.
  6. [R26] 5/5 · US 👍: Easy to use and very convenient.
  7. [R27] 5/5 · US Convenient: I love how the app is easy to use
  8. [R30] 5/5 · US Great: Easy to use interface. Love the app. I do most of my banking on it.
  9. [R36] 5/5 · US Love the app: Metro credit union is a amazing bank. I love using the mobile app. It’s easy to use, very convenient and I love the option to deposit checks remotely. If you are looking for a bank that treats you like they have known you for years and a easy to use online source metro is for you!!!!
  10. [R37] 5/5 · US Love Metro Credit Union!!: This app is the most helpful thing I can use! Easy for transiting money and I’m so glad that I have access to it!
  11. [R47] 5/5 · US Long time member who doesn’t like change!: Honestly, I didn’t care for the new app at first because it was different than the old app, and I’m not a fan of change. However, now that I’ve been using the new app for a few months, I actually like it better. Remote deposit capture is much easier to use, and I can easily transfer to and from my accounts at other banks. I also like that I can see all of
  12. [R55] 5/5 · US The New App: I love it. You can do so much more now with this new app. I can finally transfer to different banks without needing to call in. My banking is so much easier now. I can even color code all of my accounts. Great stuff Metro.
  13. [R42] 4/5 · US Love this app: Easy to use and has all the functions that I use when I am on the go! I do wish there was a better way to organize accounts.
  14. [R43] 5/5 · US Great new features!: The new app has so many new features that make my banking experience very personal and easy to manage!
  15. [R48] 5/5 · US Great features: I really like how I can see all the accounts I’m associated with on one screen with one login. Easy to use and I like that I can hide and rearrange all my accounts.
  16. [R4] 1/5 · US All it does is freeze: Can only look at balance anytime I’ve ever tried anything else it just freezes
  17. [R11] 1/5 · US Force close: App has been force closing for weeks! (4 now) Despite removing the app and reinstalling it. As soon as I put in my password, the app will think for a few seconds then send me back to my Home Screen. Irritating would be putting it lightly. I’ve had to double up on running to the bank for a month now. Cannot remote deposit, which is very inconvenient.
  18. [R12] 1/5 · US Can’t login anymore: This app crashes after the latest update. Can’t login anymore.
  19. [R15] 3/5 · US Bank is great, app is awful: App constantly freezes when trying to open it.
  20. [R3] 2/5 · US Login: I have to login every time even when I say “remember me”
  21. [R8] 1/5 · US Shouldn’t have to name device every time: Verification process is wonky, never remembers device and will crash from time to time. Find a better developer, and find a better debit card provider. Card peels every 6 months and requires me to get a new one frequently
  22. [R10] 1/5 · US App doesn’t work: The newest app hasn’t worked since it came out. If you call about it they’ll tell you nothing is wrong with it but it’s not just me, nobody in my family can use it. Looking to switch banks, having an app that works is a big deal.
  23. [R17] 2/5 · US Why do you guys keep logging me out: I have Face ID and everything and it randomly logs me out in situations I need transfers please for the love of god fix this
  24. [R110] 1/5 · US Cannot deposit the check: Cannot deposit the check which is the only reason I use this app...said "not eligible" after updated. Very disappointed.
  25. [R153] 1/5 · US Mobile deposit freezing: The mobile deposit update isn't working properly. The whole app isn't working like it should. It's freezing when I try Anything now. It completely froze after I deposited a check and I had to restart my phone. Then it froze trying to do bill pay right when I needed to choose the account. Please UPDATE!
  26. [R156] 3/5 · US Decent App, Lacks Touch ID: The app does what is supposed to, but lacks Touch ID. Metro get up to speed and add Touch ID login!
  27. [R157] 2/5 · US Touch ID: This newer update is a lot worse than the previous version. A Touch ID option would be a great enhancement along with the app being more user friendly and easier to navigate.
  28. [R78] 4/5 · US Need to stay current with tech: Would be nice when phones upgrade the app tech upgrades with it. Firngerprint was late and still not facial recognition. Colleagues with other financial institutions have upgraded months ago. Overall everything else works well.
  29. [R7] 4/5 · US Doesn’t let me change the date when transferring funds: This new version won’t let me change the date when I’m transferring funds
  30. [R60] 4/5 · US Use it all the time: I would give it 5 stars but I wish you could do more things with bill pay like you can if you were to log in to the website. Example would be change amounts being paid, due dates, automatic transfers and so on. I love bill pay and so worth it every month. For the most part I can set it and forget it but occasionally I have to go in and adjust the amounts being dispersed and I
  31. [R1] 1/5 · US Thiefs: Would not bank with them they’ll charge you right then and there place the transaction on hold then charge you again once it’s done pending and do nothing about it this has happened way too many times with sorry metro credit union DO NOT I REPEAT DO NOT BANK WITH THEM find someone bigger and better fnbo or Centris if you want a credit union
  32. [R9] 1/5 · US Took Money!!: The it charged more in fees than what was in my savings account my parents set up for me as a child. Makes it hard to set good habits for children learning about money.
  33. [R82] 1/5 · US Terrible bill pay system: When I say I want to pay a bill on the first of the month, that means take the money out of my account on the first of the month because I am paid on the last day of the month. Instead they often pull out 1-2 days early and sometimes if there is a holiday or weekend even earlier than that. Do not trust them. They will overdraw you and then charge you fee when their system
  34. [R5] 5/5 · US Review of metro Credit Union: Metro credit Union is the best credit union that I have ever tried. I recommend them to anyone.
  35. [R13] 5/5 · US Forever with MHCU: Member since 1985? Or close to.
  36. [R16] 5/5 · US THE BEST FAMILY BANK: It feels like family being with Metro Credit Union You for the past 10 years. Thanks Metro for making us feel at home.
  37. [R39] 5/5 · US Great App - One issue: I love the app and the new update. I would give it five stars, but it’s getting pretty annoying to have to log in every. single. time. Even after I select “Remember Me” & “Remember This Device” multiple times in the same day. I also have my Touch ID login set up and it still makes enter my username & password. It gives a message that says “You haven’t logged in awhile” even
  38. [R41] 4/5 · US Please fix log-in issues: Repeatedly making me enter password when I have facial recognition set up for logging in.
  39. [R59] 5/5 · US Nice App: The app is ok. The issue i have is the face recognition doesn’t work 75% of the time.
  40. [R73] 5/5 · US Good with issues: You have a very good app when it works. I am regularly having to reintiate my biometric finger print. This is the only app I have this issue with.
  41. [R68] 5/5 · US Great app: We’ve always been happy banking with Metro and we were sad to think about finding a new credit union when we moved out of state. However, Metro’s app is so convenient and their check deposit feature works flawlessly, so we plan on continuing with metro and doing our banking from afar!

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