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

CFCU Mobile vs My CFCU Mobile

CFCU Mobile 4.9★ · Free to download 60
Winner CFCU Mobile
My CFCU Mobile 4.8★ · Free to download 50

While both apps suffer from significant technical issues, CFCU Mobile appears to have a slight edge due to its higher number of positive reviews regarding ease of use and functionality, despite its frequent maintenance and login problems.

Full reviews: CFCU Mobile · My CFCU Mobile

Both CFCU Mobile and My CFCU Mobile are plagued by persistent technical issues, including login problems, slow performance, and unreliable features like mobile deposit. CFCU Mobile, despite its flaws, receives more frequent praise for being user-friendly when it does work, while My CFCU Mobile users express frustration over missing features like Zelle and consistent biometric login failures.

Head to head

Features edge: CFCU MobileR2R3R8R10
CFCU Mobile CFCU Mobile users report issues with mobile deposit clearing times and limits R2, inability to pay bills or transfer between all accounts R10, and a lack of account aggregation after an update . Some also desire to view interest rates and totalized account amounts R3, and better card locking UI . However, some users find it convenient for paying bills and accessing transactions R8.
My CFCU Mobile My CFCU Mobile users frequently complain about the absence of Zelle for money transfers R61R64R81R83 and issues with mobile check deposit R80. Users also report difficulty setting up mobile alerts and the inability to choose which account to pay bills from .
Ease of Use edge: CFCU MobileR8R11R12R19
CFCU Mobile Many CFCU Mobile users find the app easy to use R8R11. However, others report difficulty linking bank accounts R12, a new update making it harder to use and requiring '20 Questions' to log in , and a lack of running balance after transactions R19.
My CFCU Mobile My CFCU Mobile users describe the app as not user-friendly , difficult to sign in , and having a new format with large font that makes it hard to read . Some users appreciate its simplicity and ease of access .
Reliability tieR1R4R7R13
CFCU Mobile CFCU Mobile is frequently criticized for being slow R4, constantly under maintenance during normal hours R7R13, and having login issues, including biometric security failures R1. Users also report the app force closing R22, not loading R7, and having issues with mobile deposit R33R45.
My CFCU Mobile My CFCU Mobile users experience frequent crashes , slow performance , and persistent login problems, especially with facial recognition R63R67R74. Users also report being locked out , sessions timing out , and the app not working at all sometimes .
Price/Value tieR5R9R14R23
CFCU Mobile Both apps are free to download. Users of CFCU Mobile generally praise the credit union itself for excellent service, good interest rates, and helpful staff, suggesting good value from the institution despite app issues R5R9R14R23.
My CFCU Mobile My CFCU Mobile users also express strong satisfaction with the credit union's customer service, competitive rates, and helpful staff , indicating good value from the credit union, even if the app is problematic.
Support tieR5R9R10R22
CFCU Mobile CFCU Mobile users report calling the bank for issues R10 and being on hold R22. However, many reviews highlight the excellent, friendly, and helpful staff of the credit union itself R5R9R23.
My CFCU Mobile My CFCU Mobile users mention being on hold for a long time when trying to resolve issues and needing to call the bank for simple cases . Similar to App A, the credit union's staff is frequently praised for being helpful and providing great customer service .
Pick CFCU Mobile if

Pick CFCU Mobile if you prioritize an app that, despite its flaws, is generally considered easy to use when functional, and you value a credit union with highly praised in-person and phone customer service R8R11.

Pick My CFCU Mobile if

Pick My CFCU Mobile if you are a long-time member of the credit union and are accustomed to its services, and you value a credit union with excellent customer service and competitive rates, even if the app itself is problematic .

Evidence note: Both apps have a significant number of negative reviews focusing on technical issues and poor app performance, which contrasts with their high lifetime ratings. The positive reviews for both apps often praise the credit union itself rather than the app's functionality.

Frequently asked

Do these apps support biometric login like Face ID or Touch ID?
CFCU Mobile has biometric security but users report it often fails, requiring frequent password entry and resets R1. My CFCU Mobile users also report that facial recognition does not work or is difficult to set up R63R67R74.
Can I use Zelle with these apps?
CFCU Mobile reviews do not mention Zelle. My CFCU Mobile users frequently complain that Zelle is not available or does not work, making money transfers difficult R61R64R81R83.
Are there issues with mobile check deposit?
CFCU Mobile users report slow clearing times for mobile deposits (2-3 days) and a $10K per 24-hour limit R2. Some also experience errors when trying to deposit certain types of checks R33 or general unreliability R45. My CFCU Mobile users also report that the photo deposit feature often does not work or takes a long time R80.

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] CFCU Mobile 4/5 · US Mobile Deposit: I Would rate a 5 if the mobile deposits cleared the funds far faster. A certified cashiers check shouldn’t take 2-3 days to clear. When you balance is over $40k. Why is there any wait time at all? The other thing that sucks is a $10K per 24hrs mobile deposit limit.
  2. [R3] CFCU Mobile 3/5 · US Good service with a few recommendations: Please make the interest rates for the various types of accounts viewable in the mobile app. Also it would be nice to see a totalized amount of all accounts. I am always having to ask Siri to add up my 4 accounts to get a total amount I have in CFCU. The games required to get the performance checking rate is annoying. I am starting to just use SGOV and VBIL
  3. [R8] CFCU Mobile 5/5 · US Mobile App: The CFCU mobile is easy to use and always up to date. I don’t ever have any issues getting into my account and seeing transactions. I love CFCU!
  4. [R10] CFCU Mobile 1/5 · US Still unable to pay bills: Since the last upgrade, I’ve been unable to use the app to pay my credit card bill or to make transfers between my other accounts except for primary checking/saving. Everything I want to do I have to call the bank and have them do it. Frustrating.
  5. [R11] CFCU Mobile 5/5 · US CFCU: I love the app. It is very easy to use.
  6. [R12] CFCU Mobile 3/5 · US Ccfu 3 star rating: It’s too difficult to link my bank account so I can make my car and credit card payments automatically. If it was easier I’d give it 5 stars.
  7. [R19] CFCU Mobile 2/5 · US Disappointed with the app and online desktop platform: I just switched banks and now I wished I hadn’t. This app is very limited. Basically it’s a list of transactions. It doesn’t keep a running balance after each transaction. I also have deposit text notifications set and my payroll deposits are available on Friday mornings but I don’t get a text notification until midnight Friday.
  8. [R1] CFCU Mobile 1/5 · US Trash: Worst bank app I’ve ever had has biometric security but 3 times a week I have enter the password which 75% of the time I have to reset it
  9. [R4] CFCU Mobile 2/5 · US App performs terribly and is slow: The application performs terribly and is slow when trying to transfer money from or even just look at my balance, it takes forever
  10. [R7] CFCU Mobile 1/5 · US Never works: This app never loads when needed. Worse off, they CONSTANTLY due maintenance during normal hours and not over night when no one uses it. GREAT credit union, app is trash.
  11. [R13] CFCU Mobile 2/5 · US Why is it always under maintenance?: The bank itself is great, and I never have to worry about my bills being paid on time, however, constantly, the app is under maintenance. Every two to three weeks, I cannot access my money for the entire day and it is incredibly frustrating. Please, figure it out.
  12. [R5] CFCU Mobile 5/5 · US Me encanta: Excelente Federal Credit Union. Excelentes intereses para cualquier préstamo, su personal siempre es amable
  13. [R9] CFCU Mobile 3/5 · US Wanamaker location: Great service Nice people always willing to help you!!
  14. [R14] CFCU Mobile 5/5 · US Outstanding: Great service
  15. [R23] CFCU Mobile 5/5 · US Only the Best Credit Union in Norman!!: The best customer service. Each staffer works hard to provide excellent service with a smile. If you’re looking for a Credit Union run, don’t walk to CFCU.
  16. [R22] CFCU Mobile 1/5 · US Keeps force closing: After the last update - it keeps force closing! Soooo frustrating. I have the latest update on everything. Tried to go to the website and it lists an old phone number so I can’t get in that way. Every time I call I’m on hold. I can’t wait to pay off this car so I don’t have to deal with this bank ever again :(
  17. [R63] My CFCU Mobile 3/5 · US Facial recognition doesn’t work: Everything’s pretty nice on the new app except facial recognition doesn’t work to save your life. Please fix this.
  18. [R67] My CFCU Mobile 2/5 · US Can’t enable face ID: There’s no option for setting the face ID login in the security settings.
  19. [R74] My CFCU Mobile 4/5 · US Cool update but: After so many years of a plain app it finally got an update. So far I’m liking except….. I can have the facial recognition to open it up. I can’t find where to add that feature 😫
  20. [R61] My CFCU Mobile 1/5 · US Zelle does not work: There is no much left to say, I have not been able to make a single transfer with Zelle.
  21. [R64] My CFCU Mobile 1/5 · US Worse app: This app or branch need to upgrade to modern times !!! Cant connect to any tap for my phone or zelle a d sending people money is a hassle
  22. [R81] My CFCU Mobile 3/5 · US Need zelle: What we need is zelle so we could transfer Money to other people when we need to pay them or split the bill
  23. [R83] My CFCU Mobile 4/5 · US Review: Love the app, only wish it would have Zelle!
  24. [R33] CFCU Mobile 1/5 · US Mobile Deposit: I don’t know what changed, but I can no longer deposit moneygram “checks” from my renters. Now it always says there is an error and I have to take it to the bank.
  25. [R45] CFCU Mobile 1/5 · US Poor: I have been with communication for many, many years and am seriously considering switching banks. I love the mobile applications that prevent me from having to drive to a branch since I don’t have one nearby, but the features like mobile check deposit literally never work for me. I have used it on multiple occasions and have had to try at least 4 to 5 times to have my checks go through. I ha
  26. [R80] My CFCU Mobile 5/5 · US Deposit check thru mobile app: Just when you deposit a check it takes long it doesn’t get it at the first time and it’s frustrating

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