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

Mountain America CU vs onX Backcountry

Mountain America CU 4.7★ · Free to download 70
Winner Mountain America CU
onX Backcountry 4.8★ · Free + IAP 55

Mountain America CU is better for daily banking needs with generally positive feedback on its layout and mobile deposits, while onX Backcountry is a specialized mapping app that receives praise for its accuracy but is heavily criticized for its pricing model and numerous app issues.

Full reviews: Mountain America CU · onX Backcountry

Mountain America CU offers a generally well-regarded banking app with easy mobile deposits and a clear layout, despite recent update issues and occasional downtime. onX Backcountry is praised for its accurate outdoor mapping but faces significant user frustration over its multi-app, multi-subscription pricing, missing features, and technical glitches.

Head to head

Features tieR2R12R13R14
Mountain America CU Mountain America CU users appreciate having all their banking and loans at their fingertips, with many praising the ease of mobile deposits and the clear layout R2R14. However, some recent updates have removed or relocated features like Bill Pay and the ability to add memos for transfers, causing frustration R12R13. Issues with Zelle not loading and problems with joint account access are also reported .
onX Backcountry onX Backcountry is valued for its accurate mapping, offline map capabilities, and the ability to create custom routes . Users find it incredible for hiking and dispersed camping R65. However, many users complain about missing tools, the inability to build routes from a desired location without including current location, and the removal of features like the weather button . Several users also note a lack of trails in certain areas compared to competitors R79R104.
Ease of Use edge: Mountain America CUR2R6R15R17
Mountain America CU Many Mountain America CU users find the app easy to use, with a clear and organized layout R2R17. However, recent updates have introduced issues like too many OTP (one-time password) step-ups, cumbersome phone call verification, and difficulties logging in R6. Some users also report that the app doesn't load when connected to WiFi or after system updates R15.
onX Backcountry onX Backcountry is described as intuitive and easy to use by some, with a quickly accessible layout . However, a significant number of users find the app difficult to use, not intuitive, and plagued by interrupting prompts and required logins . Route building is particularly cited as a frustrating and pointless feature .
Reliability edge: Mountain America CUR1R4R10R11
Mountain America CU Mountain America CU users report frequent and severe reliability issues, particularly after system updates. Problems include the app not working, constant errors, inability to log in, accounts not loading, transactions not showing, and transfers not going through R1R4R10R11. A major point of contention was a 4-day shutdown of online banking and the app, which caused significant financial disruption for many R16R25.
onX Backcountry onX Backcountry users experience glitches, crashes, and issues with maps not downloading or loading details . Some report that about half of their saved trails have an 'Error Loading' message, and elevation data is not available in offline mode . There are also complaints about outdated trail information and landowner updates .
Price/Value edge: Mountain America CUR2R3R5R8
Mountain America CU Mountain America CU is a free-to-download banking app. Users generally focus on the functionality and service of the credit union itself, rather than app pricing R2R5R8. Some express dissatisfaction with holds on mobile deposits, which can be inconvenient R3.
onX Backcountry onX Backcountry is heavily criticized for its pricing model, with many users feeling it's overpriced and a 'money grab' R67R70R76. Users are frustrated by the need for multiple subscriptions for different onX apps (hunting, off-road, backcountry) and the perception that features are removed from lower tiers to force upgrades R70R76. Some feel they are paying for public information available for free elsewhere . There are also reports of being charged after canceling subscriptions .
Support edge: onX BackcountryR7R26R27R32
Mountain America CU Mountain America CU receives mixed reviews for its customer service. Some users praise the support, describing it as great, friendly, and helpful R26R32. However, others report frustrating, inept, and horrible customer service, especially when issues arise with fraud processes or loan-related paperwork R7R27.
onX Backcountry onX Backcountry receives positive feedback for its customer support, with users reporting quick and helpful responses to login issues and general inquiries . They also offer free seminars and tutorials to help users learn the app's features .
Pick Mountain America CU if

You need a reliable, easy-to-use banking app for daily financial management, including mobile deposits and loan access, and value a clear layout R2R14.

Pick onX Backcountry if

You are an outdoor enthusiast looking for accurate mapping and route-finding capabilities for hiking, camping, or hunting, and are willing to navigate its complex pricing and occasional glitches R65.

Evidence note: Mountain America CU has a much larger volume of reviews, with recent negative reviews heavily skewed by a major system update that caused significant downtime and functionality issues. onX Backcountry's reviews are more consistently critical of its pricing model and fragmented app ecosystem.

Frequently asked

Is Mountain America CU's app reliable for daily banking?
Mountain America CU's app is generally considered reliable by many users for daily banking, with praise for its layout and mobile deposit feature R2, but it has experienced significant outages and login issues, particularly after recent system updates R4R16R25.
How does onX Backcountry's pricing work?
onX Backcountry operates on a subscription model with in-app purchases, but users frequently criticize it for requiring separate subscriptions for different onX apps (e.g., hunting, off-road) and for perceived 'bait and switch' tactics where advertised features are not included in initial subscriptions R63R67R70R76.
Does onX Backcountry have good trail coverage?
While some users find onX Backcountry excellent for finding land and trails R65, a significant number of reviews indicate that it has limited trail coverage, especially in certain regions, and often lacks trails found on free alternatives like Google Maps or competitors like AllTrails R79R81R104.

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] Mountain America CU 5/5 · US Great App: I love the layout of this app and everything is easy and clear to see unlike other banking apps. And Mountain America credit union is just pretty awesome.
  2. [R12] Mountain America CU 3/5 · US Please consider: I am not happy with the recent update that moved the Bill Pay under the “More” menu. I would much rather have Bill Pay shortcut than the Manage Card shortcut. Besides the app issue, I am happy to be banking with MACU.
  3. [R13] Mountain America CU 1/5 · US Took away profiles: Update made profiles difficult. Not improvement. Thinking of leaving this credit union because of this.
  4. [R14] Mountain America CU 5/5 · US Everything i need...: all of my banking and loans at my fingertips. Thank you for an awesome app!
  5. [R6] Mountain America CU 3/5 · US Too many step ups: Please bundle your OTP step ups so that if I am stepped up previously in a session, I am not repeatedly stepped up for everything I do in that session.
  6. [R15] Mountain America CU 3/5 · US Doesn’t always work: The app doesn’t load when I’m connected to WiFi.
  7. [R17] Mountain America CU 5/5 · US Best Banking App: Easy to use and organized.
  8. [R1] Mountain America CU 1/5 · US App not working: Bank and App are awful, don’t use them!!!!
  9. [R4] Mountain America CU 1/5 · US Can’t view anything: It has been almost 2 months and I haven’t been able to log into any of the accounts. Just a constant error. No attempt to fix the problem. Not a place Im happy with.
  10. [R10] Mountain America CU 2/5 · US Online banking is broken: The online banking system is broken. I can’t see any transactions after June 20, 2026.
  11. [R11] Mountain America CU 4/5 · US Won’t open: I really love this business but every time I try to open the app to see how much money is in the account it says “ request timed out “. Then continues to load. So I never see my money.
  12. [R3] Mountain America CU 3/5 · US Deposits: Most of the time they place a hold on mobile deposit. Apparently all of the fraud even though I’ve had my account for 10 years without any issues. On one I understand they have to combat fraud on the other hand. It’s very difficult because I can’t always get away to make a deposit.
  13. [R5] Mountain America CU 5/5 · US Meow: Probably one of the better banks haven’t had one issue
  14. [R8] Mountain America CU 5/5 · US Best CU I’ve been with: Joined Right After the Pandemic, couldn’t have made a better choice for my Banking Needs.
  15. [R7] Mountain America CU 1/5 · US Beware!!: Do not trust this credit union!! Go elsewhere. I was a customer for years. Everything is great until something goes wrong. Then their colors show!! Their fraud and security processes are inadequate and terrible. Their customer service systems are frustrating and inept.
  16. [R26] Mountain America CU 5/5 · US Yes 👍: I love the friendly service I receive at Riverto (Jose) and Lupita at Orem. Language doesn't matter since they are bilingual and treat all customers equally. They are very kind, which is why I like them, and also because of the safety of Mountain's service.
  17. [R27] Mountain America CU 2/5 · US Customer Service is bad: We got a car loan through them. When I tried to get my title from them to register it in my home state, they blew off my multiple emails and calls and we were forced to extend the cars temporary registration which isn’t cheap. Horrible service.
  18. [R32] Mountain America CU 5/5 · US New program: James Hilton was such a big help when they did the huge system update! He made explained everything in a clear way! Highly recommend using mountain America for your banking.
  19. [R16] Mountain America CU 2/5 · US 4 day shut down: Shut down for 4 days, I expect a pristine app experience now. This morning without warning the app is down again
  20. [R25] Mountain America CU 1/5 · US System updates: the person(s) who decided that shutting down the online banking system for an entire weekend+ should be fired. I live 2 hours from a branch so I rely on mobile deposits, I also rely on the app to transfer funds in order to Venmo my subcontractors. Thankfully I have another financial institution, which you guys have made me use. Now that my most recent deposits are in that account,
  21. [R63] onX Backcountry 3/5 · US Bait and switch: I downloaded and set up a one year elite for $80. When I logged into the app it showed me an offer for $40. When I clicked on it, it said I was already subscribed. So why didn’t I get the offer when signing up?
  22. [R67] onX Backcountry 1/5 · US Misleading: Signed up for their year promo deal only to find out they scam you to pay more money for the options you believe your getting in the advertising, but aren’t there!
  23. [R70] onX Backcountry 1/5 · US Forgot how cheap and greedy these developers are. Deleted all their apps.: The OnX world continues to grow at a rate only outpaced by their greedy fees. There are many OnX specialty apps these days, and every single one of them has its own fee and usually limited to 1 state. You would think it would be 1 app with all those features. Afterall, if you’re hunting or fishing, you’re driving and hi
  24. [R76] onX Backcountry 1/5 · US Over priced: I prefer Gaia GPS app because you can have all of your activities in ONE app. Why do I need separate apps and separate subscriptions for my activities?
  25. [R65] onX Backcountry 5/5 · US This app is incredible for hiking and back country camping: We use it to find land where we can disperse camp and the trails are a plus.
  26. [R79] onX Backcountry 2/5 · US Very few trails: Living in the southern US, backpacking trails aren’t always easy to find. I thought this app could show me some options that AllTrails didn’t, but it had no new options and didn’t even include most of the trails featured on AllTrails. And it requires a subscription. Garbage.
  27. [R81] onX Backcountry 3/5 · US All Trails is way better: That’s it - that’s the review.
  28. [R104] onX Backcountry 1/5 · US No trails: This app kinda sucks. It’s very expensive. It has great looking maps, but literally no trails on the app. If you go from Mountain project to OnX to explore routes…you will find none. It only shows you useless boundary lines that you would rather not have unless your hunting. You can make your own routes…although that kinda defeats the purpose. I dont know… maybe its operators error…

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