Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
Head-to-head

MyDCCU Mobile vs PenFed Mobile

MyDCCU Mobile 4.9★ · Free to download 70
Winner MyDCCU Mobile
PenFed Mobile 4.8★ · Free to download 45

MyDCCU Mobile is the better choice for users seeking a more reliable and user-friendly banking app, despite recent update issues, while PenFed Mobile struggles with consistent functionality and customer support.

Full reviews: MyDCCU Mobile · PenFed Mobile

MyDCCU Mobile generally offers a more intuitive and functional experience, though recent updates have introduced bugs and login issues. PenFed Mobile, despite a larger user base, frequently frustrates users with unreliable features like mobile deposits and a clunky interface.

Head to head

Features edge: MyDCCU MobileR3R19R46R50
MyDCCU Mobile MyDCCU Mobile users appreciate features like easy account checking, mobile deposits, transfers, and budgeting tools, with some noting its ability to keep up with other banking giants R19R46R50. However, a common request is the addition of Zelle R3R51.
PenFed Mobile PenFed Mobile offers transfers to external accounts, mobile deposits, and bill pay, with some users finding it comprehensive . However, many users report issues with mobile check deposit eligibility and functionality, and problems with the bill pay system R70R73.
Ease of Use edge: MyDCCU MobileR6R9R10R13
MyDCCU Mobile Many MyDCCU Mobile users find the app quick, easy, and simple to navigate, praising its straightforward presentation and functional layout R13. However, recent updates have introduced issues like small text, difficulty finding things, and a persistent 'what's new' message blocking account views R9R10. Some also find facial recognition login inconvenient when managing multiple accounts R6.
PenFed Mobile PenFed Mobile receives mixed reviews on ease of use; some users describe it as easy, convenient, and simple to navigate . Conversely, a significant number of users find the app difficult, clunky, and frustrating, struggling to locate basic functions and experiencing issues with login processes R76.
Reliability tieR1R4R7R12
MyDCCU Mobile MyDCCU Mobile's reliability has significantly declined with recent updates, leading to constant bugs, freezing logins, and the app being down frequently R1R4R12R14. Users report issues with mobile deposits not working, slow transaction updates, and excessive verification requests R4R7R16.
PenFed Mobile PenFed Mobile suffers from numerous reliability issues, including the app freezing on the splash screen, login problems with passkeys, and general lag . Mobile check deposit is frequently cited as problematic, with auto-capture being too fast or not allowing retakes R66R70R73. The bill pay system is also reported as inoperative or confusing .
Price/Value edge: MyDCCU MobileR33R44R45R50
MyDCCU Mobile Both apps are free to download. MyDCCU Mobile users value the app for making banking easier and more convenient, allowing them to manage accounts, deposit checks, and track finances without going to the bank R33R44R45R50.
PenFed Mobile PenFed Mobile users appreciate the convenience of managing accounts and making transfers, with some highlighting benefits like 5% cash back on fuel . However, the frequent issues and poor customer service diminish its perceived value for many R76R80R90R96.
Support edge: MyDCCU MobileR2R16R36R43
MyDCCU Mobile MyDCCU Mobile users generally praise the customer service of DCCU, describing staff as kind, helpful, knowledgeable, and going above and beyond R2R36R43. However, some users report that customer service has not been able to remedy app problems like frequent verification requests R16.
PenFed Mobile PenFed Mobile users frequently criticize the customer service, citing long hold times, representatives who are unsure how the system works, and an inability to resolve issues like login errors or autopay date changes R76R80R90R96.
Pick MyDCCU Mobile if

You prioritize strong customer service and a generally easy-to-use app for daily banking, even if recent updates have introduced some temporary frustrations R2.

Pick PenFed Mobile if

You are already a PenFed member and can tolerate frequent app issues and potentially frustrating customer support interactions, especially if you benefit from specific PenFed products like cash back on fuel .

Evidence note: Both apps are free to download, so there is no free-vs-paid asymmetry. Reviews for MyDCCU Mobile show a strong split between users who love the app and those who are frustrated by recent updates, indicating a potential decline in recent user experience despite a high lifetime rating. PenFed Mobile's reviews consistently highlight significant functional issues.

Frequently asked

Does MyDCCU Mobile support Zelle?
No, MyDCCU Mobile does not currently support Zelle, which is a feature many users have requested for instantaneous money transfers R3R51.
Are there common login issues with MyDCCU Mobile?
Yes, recent updates to MyDCCU Mobile have caused frequent login issues, including the app freezing, requiring multiple verifications, and being unable to access accounts online or mobile R4R12R14R16.
Is mobile check deposit reliable on PenFed Mobile?
No, mobile check deposit on PenFed Mobile is frequently reported as unreliable, with users experiencing issues like ineligibility, auto-capture being too fast, and no option to retake photos R66R70R73R90.
How is PenFed Mobile's customer service?
PenFed Mobile's customer service is often criticized by users for long hold times, representatives lacking knowledge about the system, and an inability to resolve app-related problems R76R80R90R96.

What reviewers actually said

Built only from these 110 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. [R3] MyDCCU Mobile 3/5 · US Zelle: Would be better if it had Zelle
  2. [R19] MyDCCU Mobile 5/5 · US DCCU mobile: I love DCCU . I can check my account and deposit to my account on mobile.
  3. [R46] MyDCCU Mobile 5/5 · US Ease of use: Definitely my favorite banking app. The next closest one is Navy Federal. The way you can see how much money has come in and left in a 30 day period is definitely my favorite part. Eye opening for budgeting. In a good way.
  4. [R50] MyDCCU Mobile 5/5 · US Easy to Use: I really enjoy the DCCU mobile app for its overall functionality. You can see all of your accounts, make payments, deposit checks, and view transactions with a few simple thumb clicks.
  5. [R6] MyDCCU Mobile 3/5 · US So much better!: Much better than before, with only one pet peeve- I hate that the facial recognition login is instant when you open the app. I access an account and also my husband’s account from time to time, but no matter what, every time I open the app, it opens his account instantly. Then I have to logout and retry it, with my phone pointed away from my face so it will “fail”. Sometimes I for
  6. [R9] MyDCCU Mobile 3/5 · US Text is way too small: Love the old app. Not the new one. Only things is, the text is too small.
  7. [R10] MyDCCU Mobile 1/5 · US Terrible: This app update is terrible and even after looking up how to find things I still can’t find it. Made it look bad and changed things that people were used to.
  8. [R13] MyDCCU Mobile 5/5 · US Works great: The mobile app is quick,easy and the info on it is always up to date.
  9. [R1] MyDCCU Mobile 1/5 · US Worst Bank OAT: I had to switch my checking account to a whole other bank because Dupont is just so bad with the constant bugs, issues, and annoyances. It's not even just a me thing, it's an inconvenience to my peers as well. Seriously! My card went poof from the bank system entirely out of no where the other week; thousands of points. New cars, no points! Awful bank.
  10. [R4] MyDCCU Mobile 1/5 · US App constantly down: Mobile deposit doesn’t work after recent update. Login freezes. Latest update has been so frustrating I’ll be switching banks. It’s 2023.
  11. [R7] MyDCCU Mobile 1/5 · US Do not like the last update!: It used to be accurate as soon as I made a transaction, now it takes a few days for the system to catch up!
  12. [R12] MyDCCU Mobile 1/5 · US New Update Doesn’t Work: New update doesn’t allow me to access my account online or mobile. Was asked to delete several times and RE-install with no success. Should have been done on a weekend not in a business week! Clearly wasn’t tested. Said may be too much traffic trying to login. If that’s the case then this would be a complete failure!
  13. [R33] MyDCCU Mobile 5/5 · US Keeping up with finances: We use the DuPont app to track our checking account almost every day. Easy to use. Up to date info on transactions. Watch for any questionable withdrawals. If you have an account with DCCU the app is essential.
  14. [R44] MyDCCU Mobile 5/5 · US My DCCU app use: Now that we have the app it has made our life so much easier. We can check our balance on all accounts without even going to the bank and if we need to speak to someone they are right there. Don’t know how we did it so long without using it !!!
  15. [R45] MyDCCU Mobile 5/5 · US Easy to navigate and very functional!: I’ve been with DuPont for many years now, and it has always been an excellent bank. From bank locations I’ve visited to using their app and online services. Online deposits and transfers are simple and easy to navigate, and always improving. Thanks DuPont!
  16. [R2] MyDCCU Mobile 5/5 · US El mejor: Un personal amable y con oportunidades
  17. [R16] MyDCCU Mobile 1/5 · US Really went downhill: This app used to be generally pretty usable. However there was apparently a new update and now I’m being asked to verify my login 3+ times a day. If I have to be sent a verification code that often, what’s the point in having a password? I’ve tried to contact customer service with nothing done to remedy the problem. This pretty much makes the app junk now.
  18. [R36] MyDCCU Mobile 5/5 · US Extroidanary: Extraordinarily fine service and absolute integrity are to be found throughout DCCU. Dr. Win Winfree
  19. [R43] MyDCCU Mobile 5/5 · US Feedback: I like Dupont community credit Union, because I have always been watched out for and protected by your system. Everyone at the bank or all the branches have been very kind and very helpful. I appreciate everything everybody does for me. Y’all have a great day and God bless. With love, Denise McCoy
  20. [R51] MyDCCU Mobile 5/5 · US Get Zelle: Easier way to move money instantaneous
  21. [R14] MyDCCU Mobile 1/5 · US App Is Garbage: Cannot log into the app 85% of the time. I moved out of the state and if I cannot make transactions (like deposits) online I am thinking of taking my money elsewhere.
  22. [R66] PenFed Mobile 3/5 · US Scan Check issue: Scanning a check is not always successful. It scanned the front of the truck as both the front and the back. I don’t see a way to edit the back so I have to start again
  23. [R70] PenFed Mobile 2/5 · US UPDATE has made capturing checks worse: The auto capture tool for checks was working fine before. Before, You’d set the front of your check. Auto Capture it. Great. Then It’d take you back out of auto capture, you flip your check to its back , you click on back option . Auto capture. And done. Worked great! BUT Now, -it makes you do it “all at once” and too fast. If you are not fast enough turning
  24. [R73] PenFed Mobile 2/5 · US Mobile check deposit auto capture doesn’t allow retaking of photos: When using auto capture to photo checks, there is not apparent option to retake photos if necessary.
  25. [R90] PenFed Mobile 1/5 · US This is not a credit union it’s a joke: Mobile deposit doesn’t work despite having an account since 2017. I tried for the first time to use mobile deposits and I was told that my account is in eligible. I called Support multiple times and yet nobody can tell me why mobile deposit doesn’t work. This is a garbage credit union. This may as well be an online bank. It’s not a real bank. Once I finall
  26. [R76] PenFed Mobile 1/5 · US Disappointing, not a user friendly or reliable bunch: Surprisingly, their system is relatively archaic and clunky. When calling in, they make it difficult to get to a human. And then most of them don’t know for sure how their system works, or why it does or doesn’t allow things. For example, when unable to make a credit card payment from the app as normal (regularly pay off the balance each month)
  27. [R80] PenFed Mobile 1/5 · US Annoyed: I need to pay on my auto loan and wanted to move my autopay date to two days later. It’s been two months now and I still don’t have my autopay date set! I am so frustrated I don’t see why the customer service representatives cant set it up for me
  28. [R96] PenFed Mobile 1/5 · US Awful: Company has been informed that I have been getting a log in error for months and has failed to fix. Long hold times listening to the same awful song OVER and OVER and OVER. Confusing app, no feel good feelings here.

Synthesized from 110 recent App Store reviews · updated July 2026 · View on the App Store