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Updated July 2026 · real, multi-region App Store reviews
Head-to-head

SAFE Federal Credit Union vs Truliant

SAFE Federal Credit Union 4.8★ · Free to download 65
Winner Truliant
Truliant 4.8★ · Free to download 70

Truliant has a slight edge over SAFE Federal Credit Union due to its generally more reliable app performance and better user experience, despite both apps having issues with mobile deposit and certain features.

Full reviews: SAFE Federal Credit Union · Truliant

Both SAFE Federal Credit Union and Truliant offer free banking apps with high lifetime ratings, but recent user reviews highlight significant issues for both, particularly with app stability, mobile deposits, and bill pay. Truliant's app, while not perfect, appears to have fewer critical failures and more positive feedback on its recent updates compared to SAFE Federal Credit Union.

Head to head

App Performance & Reliability edge: TruliantR1R13R15R17
SAFE Federal Credit Union Many users report that the SAFE Federal Credit Union app is slow, crashes frequently, and often fails to load information or allow access to accounts R1R13R15R17. Recent updates have been particularly problematic, leading to login issues, requiring constant re-updates, and making the app unusable for some R23R33R43.
Truliant Truliant users also experience app crashes and login screen issues . Some report flashing bars, data display errors, and transactions showing multiple times after recent updates . There are also complaints about random outages and glitches preventing feature use . However, some users praise recent enhancements for smoother navigation and faster results .
Features & Functionality tieR1R3R4R6
SAFE Federal Credit Union SAFE Federal Credit Union users complain about the new Bill Pay system being antiquated, not showing pending payments, and often requiring physical checks that take up to 10 days R3R6. Mobile check deposit is either missing or problematic R9R31. External transfers are difficult or non-existent in the app, forcing users to the website where it also fails R4. The credit card section often loads a third-party webpage, which users find annoying and less simple R1R19. The app lacks Zelle access R60.
Truliant Truliant users report mobile check deposits taking too long, sometimes being approved then declined, and having a 30-day limit not stated in the app R61R69. The app also lacks Zelle support, making instant transfers difficult R84R90R102. Some users find the credit card section loads slowly or not at all . The quick balance feature is reported to be broken . A card lock feature is missing .
Ease of Use edge: TruliantR16R19R24R26
SAFE Federal Credit Union Many SAFE Federal Credit Union users find the app difficult to navigate and use, especially after recent updates . Setting up and logging in is often problematic, with invalid information messages and issues with Touch ID R43. Some users miss the simplicity of the old app R19. However, some users find it easy to use for daily tasks and transfers R16R24R26.
Truliant Truliant's app has received mixed reviews on ease of use. Some users praise its user-friendliness and easy navigation . However, others find recent updates have made the login process less seamless and the home page cluttered . There are also reports of issues with the check deposit camera and difficulty accessing the desktop site from the app on an iPhone .
Transaction Speed & Access to Funds tieR7R35R37R40
SAFE Federal Credit Union SAFE Federal Credit Union users complain about slow transaction processing, delays in direct deposits, and pending items taking too long to clear R7R40. Some report not having access to their account for days due to updates or technical issues R35R37.
Truliant Truliant users frequently mention long transfer times, with external transfers taking more than 3 days . Mobile check deposits are often held for several days, sometimes up to 5 days, even for cashier's checks or checks from other Truliant accounts, which is problematic for business users R61.
Customer Service & Support tieR3R30R32R36
SAFE Federal Credit Union Some SAFE Federal Credit Union users praise the customer service as outstanding and helpful, especially with fraud recovery R30R32R36. However, others report that reps acknowledge issues with the bill pay system but nothing changes R3. There are also complaints about unresponsiveness to emails and phone numbers leading to fax lines .
Truliant Truliant receives positive feedback for good customer service and friendly staff in branches . However, some users report ongoing online banking problems that are not corrected despite messaging, calling, and in-person visits . Customer service is also reported to be closed on weekends, which can be an issue for card locking .
Pick SAFE Federal Credit Union if

You prioritize in-person service and have historically had a positive experience with SAFE Federal Credit Union's branch staff R30R32R36.

Pick Truliant if

You are looking for an app with generally smoother navigation and functionality, despite some recent update hiccups, and appreciate a credit union with a long-standing positive reputation .

Evidence note: Both apps are free to download, so the free-vs-paid asymmetry rule does not apply. The reviews for both apps show a significant number of negative experiences, particularly concerning recent updates, which is common for banking apps. While Truliant has a higher number of ratings, both apps have similar lifetime average ratings, indicating that while many users are satisfied, a vocal segment faces significant issues.

Frequently asked

Do these apps support Zelle for money transfers?
Neither SAFE Federal Credit Union nor Truliant's apps currently support Zelle for instant money transfers, which users find makes it difficult to transfer money quickly without third-party fees R60R84R90R102.
Are there issues with mobile check deposits in these apps?
Yes, both apps have reported issues with mobile check deposits; SAFE Federal Credit Union users mention the feature is missing or doesn't work R9R31, while Truliant users report deposits taking too long, being held for several days, or being declined after initially appearing approved R61R69.
How do recent updates impact user experience for these apps?
For SAFE Federal Credit Union, recent updates have been largely negative, causing login difficulties, crashes, slow performance, and a less user-friendly experience R1R23R33R43. For Truliant, recent updates have a mixed reception, with some users praising smoother navigation and enhancements , while others report new login steps, cluttered interfaces, and ongoing glitches .

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] SAFE Federal Credit Union 2/5 · US To slow crashes: The app is much slower than other banks and man the credit card 3rd party is annoying. It’s so slow to open, it crashes repeatedly. If you want to try to use your reward point you better set aside half your day to get to the 3rd party website. You would think a bank would have a state. Of the art website as your handling peoples money
  2. [R13] SAFE Federal Credit Union 1/5 · US Awful: App barely works and won’t let me in my account at all.
  3. [R15] SAFE Federal Credit Union 1/5 · US SAFE: App doesn’t open. Needs serious updates. Won’t load info.
  4. [R17] SAFE Federal Credit Union 1/5 · US My account: I haven’t been able to access my account in weeks
  5. [R3] SAFE Federal Credit Union 3/5 · US Bill pay: The worse system to use @ safe since its inception, we get checks sent back half the time we use it, useless because it takes so much time to put it in the system. The idiocy of it all, is that they know it, I call and the reps say it's a bad system.... this is over many years now, I'm a member since 84.
  6. [R4] SAFE Federal Credit Union 1/5 · US To much ‏ complication: Like for example, transferring money from account to account it’s not doing it. I don’t know. Why is it the app? Is there any technical issues or something else and other things not an easy one
  7. [R6] SAFE Federal Credit Union 3/5 · US Review: I love the online banking but I’m not a fan of the new Billpay.
  8. [R16] SAFE Federal Credit Union 5/5 · US Easy App: I love this App for ease of use, No one needs to go to the bank. To transfer money.
  9. [R19] SAFE Federal Credit Union 1/5 · US Loss of simplicity: Why can’t it just show my account like it used to. Now when I click on my CC it loads a webpage. Not needed
  10. [R24] SAFE Federal Credit Union 5/5 · US Easy to Use: I use the Safe mobile app almost daily. So easy. Can navigate through with ease.
  11. [R26] SAFE Federal Credit Union 5/5 · US Easy Peasy: Love how easily I can transfer my funds
  12. [R7] SAFE Federal Credit Union 2/5 · US Pending direct deposit delay: Why do my social security check delay when it show
  13. [R35] SAFE Federal Credit Union 2/5 · US Access: Y’all said it would take until MAY 18,2020 to finish your work.. it’s the 19TH !! Y’all have updated the system before so I need y’all to do better, can view nothing on my account. Can’t even talk to nobody cause y’all did this ass backwards!
  14. [R37] SAFE Federal Credit Union 1/5 · US Be proactive and not reactive: I have not had access to my account for 3 days. You sent me a new debit card but no pin. So I can’t use tele bank options. It’s not our fault y’all didn’t prepare for everyone going to mobile and internet. What are we suppose to do for now just wait???????
  15. [R40] SAFE Federal Credit Union 4/5 · US Would be great but: The transaction timing is horrible it seems to delay the amount of payments given out to the vendors or what have you call them. And it just seems that you may a little extra charges even though the clerks over the phone claim you don’t. It’s very frustrating when it seems you have an amount of money that you don’t have and it’s very frustrating when you are trying hard to accu
  16. [R30] SAFE Federal Credit Union 5/5 · US Why I love safe bank: I’ve been working with safe since I was 18 years old, good people in all the branches ready and willing to help you
  17. [R32] SAFE Federal Credit Union 5/5 · US Customer service: This bank is outstanding! My account was phished for a lot of money. They were extremely helpful and professional to help me through this process of the recovery of my money.
  18. [R36] SAFE Federal Credit Union 5/5 · US Great Service: Long time Customer and still happy
  19. [R60] SAFE Federal Credit Union 5/5 · US The app is good. Zelle access would be great!: The app runs smoothly, and has been extremely reliable. I would love to be able to transfer money via Zelle, but I know the decision to use Zelle is a credit union thing and not a mobile app limitation.
  20. [R84] Truliant 3/5 · US No Zelle: The app doesn’t support Zelle, making it unnecessarily difficult to transfer instantly, forcing users to have to pay a fee to other third party companies to have instant access to our money.
  21. [R90] Truliant 3/5 · US It’s Ight: It would be much better if it had a better notification system. Just saying. And Zelle support would be great
  22. [R102] Truliant 3/5 · US Lo que no me gusta: No tiene Zelle y los cajeros automáticos son muy lentos
  23. [R9] SAFE Federal Credit Union 3/5 · US Adequate: Last I checked, I could not deposit a check by using the image. That’s the only feature I really miss
  24. [R31] SAFE Federal Credit Union 1/5 · US Worst bank app ever: The bank needs to update everything ... I’ve been trying to deposit money to pay a loan for 2 wks and features still don’t work. I hate banking with this bank.
  25. [R61] Truliant 2/5 · US Mobile deposit is in review verification taking to long: When people need access to their funds to take care of important matters should not take the whole day. If mobile deposit is a popular option they need to expand their mobile department for faster verification.
  26. [R69] Truliant 3/5 · US Mobile check deposit: It needs to be improved. It will says it is approved then changes to under review and then declined. Was told that there is a 30 day limit but didn’t say that on the app
  27. [R23] SAFE Federal Credit Union 1/5 · US It’s a thumbs down for me: “Updated” version is trash. You literally have to be taken to the app & “update” the app each time you need to log into the app. It’s a major inconvenience & extremely aggravating to say that least.
  28. [R33] SAFE Federal Credit Union 1/5 · US Horrible: I’m not sure what the app developers are thinking, but these updates are horrible. It’s worse than actually going in the branch locations, and that’s bad enough!
  29. [R43] SAFE Federal Credit Union 1/5 · US This is stupid: What was the point of making another app and making me change my username and password and for only not letting doing it because of having technical difficulties and it’s been like that ever since it was made, Stupid decision made by Safe Federai Credit Union.

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