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

Mountain America CU vs MTB Project

Mountain America CU 4.7★ · Free to download 70
Winner Mountain America CU
MTB Project 4.6★ · Free to download 40

Mountain America CU is the better choice for everyday banking needs due to its generally positive user experience, despite recent update issues, while MTB Project suffers from severe stability problems that make it unreliable for trail navigation.

Full reviews: Mountain America CU · MTB Project

Mountain America CU (MACU) offers a comprehensive banking app with many satisfied users, though recent system updates have caused significant frustration and outages. MTB Project, while praised for its trail information, is plagued by frequent crashes and navigation issues, making it unreliable for its core purpose.

Head to head

Features edge: Mountain America CUR12R13R14R24
Mountain America CU Mountain America CU users appreciate having all their banking and loans at their fingertips, including mobile deposit and bill pay R14. However, some recent updates have moved or removed features, like bill pay being hidden in a 'More' menu or the removal of card manager and memo options for transfers R12R13R24.
MTB Project MTB Project is praised for its extensive trail information, including reviews, difficulty ratings, elevation profiles, and the ability to find new places to ride . Users desire features like navigation mode, sorting by condition status, and better integration with Garmin devices .
Ease of Use edge: Mountain America CUR2R6R17R30
Mountain America CU Many Mountain America CU users find the app's layout easy to use, clear, and organized R2R17. Mobile deposits are described as quick, easy, and seamless R30. However, recent updates have made the login process cumbersome with repeated OTP step-ups and phone call verifications R6. Some users also report difficulty viewing joint accounts .
MTB Project MTB Project is generally considered easy to use for discovering and planning rides . However, the user interface is criticized for tiny text, poor button placement, and the requirement to log in for basic functions like marking favorites . The app also has an issue where it constantly pops up spammy windows for Onyx mapping R63.
Reliability edge: Mountain America CUR4R9R10R11
Mountain America CU Mountain America CU has faced severe reliability issues, particularly with recent system updates that caused multi-day shutdowns of online banking and app access, leaving users unable to view accounts, make transfers, or pay bills R4R10R11R16. Users also report issues with Zelle not loading and notifications not working until the app is opened R9.
MTB Project MTB Project is highly unreliable, with numerous reports of the app crashing constantly, especially when zooming, moving the map, or in areas with low or intermittent cell service R61R63. Some users also experience issues with recording rides and maps not loading without service .
Price/Value edge: Mountain America CUR3R8R23R60
Mountain America CU Mountain America CU is a free banking app, and many users find it provides excellent value for managing their finances, with some calling it the 'best CU' they've been with R8R23R60. However, some mobile deposit holds can be inconvenient R3.
MTB Project MTB Project is a free app, and users appreciate not having to pay a monthly subscription for trail searching, viewing it as a community-driven resource . However, some users feel that since OnX acquired it, the app has become glitchy, and they are paying for it through an OnX account, expecting better performance .
Support edge: Mountain America CUR7R26R27R32
Mountain America CU Mountain America CU receives mixed reviews for customer service. Some users praise the excellent and friendly service from staff in branches and good customer support for the app R26R32. However, others describe customer service as frustrating, inept, and unresponsive, especially regarding issues like fraud processes or obtaining car titles R7R27.
MTB Project Reviews for MTB Project do not frequently mention direct customer support experiences. The issues primarily revolve around app functionality and stability, with users expressing frustration directly at developers for crashes and lack of updates R72.
Pick Mountain America CU if

You need a full-featured banking app for daily financial management, including mobile deposits and bill pay, and are willing to tolerate occasional app glitches or temporary outages R2R14.

Pick MTB Project if

You are a mountain biking enthusiast looking for a comprehensive database of trails and are willing to deal with frequent app crashes and navigation issues, potentially using it as a secondary resource .

Evidence note: Both apps are free to download, so there isn't a free-vs-paid asymmetry. Mountain America CU's recent negative reviews are heavily skewed by major system update outages, which temporarily impacted many users. MTB Project's negative reviews consistently highlight severe stability issues.

Frequently asked

Are there any major issues with the Mountain America CU app?
Yes, recent system updates for Mountain America CU caused significant outages, with users reporting the app and online banking were shut down for up to four days, preventing access to funds, transfers, and bill payments R16R25R31R33.
Is MTB Project reliable for trail navigation?
No, MTB Project is not reliable for trail navigation as numerous users report the app crashes constantly, especially when zooming, moving the map, or in areas with low or intermittent cell service, making it unusable in critical moments on the trail R61R70R72R79.
What features do users like about Mountain America CU?
Users of Mountain America CU appreciate the easy-to-use layout, clear visibility of information, and convenient features like mobile deposit, access to all banking and loan information, and timely reflection of daily movements R2R14R17R20.
What are the main complaints about MTB Project?
The main complaints about MTB Project are frequent app crashes, especially when interacting with maps or in areas with poor cell service, a glitchy user interface, and issues with recording rides R61R63R70R72.

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. [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.
  2. [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.
  3. [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!
  4. [R24] Mountain America CU 3/5 · US Used to be better: Some of the functionality that used to be available in the app has been taken away over time. For example, I used to be able to add a memo for future and recurring transfers, but I no longer can. Also, transaction details have been removed. For example, withdrawal transfers used to show where the money was transferred to, but they no longer do.
  5. [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.
  6. [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.
  7. [R17] Mountain America CU 5/5 · US Best Banking App: Easy to use and organized.
  8. [R30] Mountain America CU 5/5 · US Easy Deposit: So easy to make a deposit, this was my first time, I’ll do it again
  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. [R9] Mountain America CU 3/5 · US Notifications are terrible: I have turned my notifications on and off multiple times and I still never receive them until I open the app and see that my account has been in the negative for the past three days. The whole point of notifications is to notify.
  11. [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.
  12. [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.
  13. [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.
  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. [R23] Mountain America CU 5/5 · US Best Bank!!: The best banking experience I’ve ever had! Folks are awesome to work with. Everything is easy access! Love them! Thanks!!
  16. [R60] Mountain America CU 5/5 · US The best!: I have been with MACU for 28yrs. They are always friendly and professional. Getting loans of all types, setting up new accounts, or transferring money are all fast and easy. I wouldn’t bank anywhere else in the world. My money stays with Mountain America Credit Union.
  17. [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.
  18. [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.
  19. [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.
  20. [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.
  21. [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
  22. [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,
  23. [R31] Mountain America CU 1/5 · US I don’t want to be their customer anymore: The changes they implemented that made them shutdown everyone’s access to the app destroyed hundreds of people’s financial security in one weekend. The executive who approved this needs to be shamed and lose their job.
  24. [R33] Mountain America CU 1/5 · US System update: Who’s big idea was it to update everything all at once the first week of the month??!! Doesn’t even allow for any kind of online transactions!!! Then when I call they told me to just pull cash out. People have bills that they can’t just go pay with cash!!!
  25. [R61] MTB Project 2/5 · US Unstable: Crashes often, UI is hideous and text runs into graphic blocks. Borderline unusable.
  26. [R70] MTB Project 1/5 · US Nothing but crashes: Used the app for years with no issue, but using it with low service now and it continuously crashes. Very disappointing and makes the app completely unusable. Also please update your UI for Liquid Glass, the app looks terrible
  27. [R72] MTB Project 3/5 · US Love it, but…: MTB Project is a fantastic app for finding trails, but when in an area with on and off cell signal the app was crashing constantly. Fortunately, I had other map apps to help me navigate. I was following a pinned route and it was very frustrating to have the app continuously crash trying to find my way. To the developers, please make the app function better without cell service and w
  28. [R79] MTB Project 1/5 · US Always crashes: I really want to like this app, but no matter what I do, whether it’s zooming out to look at maps, or search trails, the app always crashes. Worth noting I’m on a new iPhone 17 Pro
  29. [R20] Mountain America CU 5/5 · US Depósitos: Excelente refleja los movimientos diarios a tiempo
  30. [R63] MTB Project 3/5 · US Works ok with a few major bugs: I love this app for planning rides, but for usinig it to navigate it has several major issues. The first is it constantly pops up a spammy window for Onyx mapping, somtiimes this window will not close on my phone. It happens constnatly. The other issue is when I'm trying to use the app to navigate on a ride, if I use my phone for a brief time to take a photo, I co

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