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

Zions Bank Mobile Banking vs Central Bank

Zions Bank Mobile Banking 4.7★ · Free to download 60
Winner Central Bank
Central Bank 4.9★ · Free to download 65

Central Bank has a slight edge due to its more consistent performance and easier login process, despite both apps facing issues with reliability and mobile deposits.

Full reviews: Zions Bank Mobile Banking · Central Bank

Both Zions Bank Mobile Banking and Central Bank apps struggle with reliability, frequent crashes, and mobile deposit issues. Central Bank generally offers a more user-friendly experience and better customer support, while Zions Bank users report more widespread login problems and feature malfunctions.

Head to head

Reliability and Stability edge: Central BankR4R7R9R18
Zions Bank Mobile Banking Many Zions Bank users report frequent issues with the app not loading, crashing, or displaying error codes like 1002 or 1003, making it unusable for extended periods R4R7R9R18. Some users have had to uninstall and reinstall the app multiple times, or resort to using a browser .
Central Bank Central Bank users also experience app crashing, freezing, and login errors, particularly after updates . Some users can only log in successfully after reinstalling the app .
Mobile Deposit Experience tieR8R28R33R37
Zions Bank Mobile Banking Zions Bank users find the mobile deposit feature difficult to use, with issues like slow processing, unclear error messages, freezing, and problems with the auto check capture R8R28R33R37.
Central Bank Central Bank also receives complaints about slow mobile deposits, holds on checks, and the feature not working at all, sometimes showing double squares for pictures .
Login and Security edge: Zions Bank Mobile BankingR51R3R19R12
Zions Bank Mobile Banking Zions Bank users report issues with Face ID not working R51, VPN login denial R3R19, and a multi-factor authentication process that requires too many clicks R12.
Central Bank Central Bank users find the login process annoying, with frequent errors, issues with temporary codes, and a frustrating 'secret word' requirement that often disappears .
Features and Functionality edge: Central BankR6R30R54R2
Zions Bank Mobile Banking Zions Bank users complain about a new format that shows less transaction detail R6R30R54, delayed balance updates and notifications R2R12, and issues with features like rewards and transfers not working after updates R16R25. Some wish for 'buckets' or 'pockets' for organizing money .
Central Bank Central Bank users find the app simple and easy to use for transfers and tracking mortgages . However, some note that transaction details are not as comprehensive or up-to-date as other bank apps . The Money Manager feature is difficult to navigate , and Quick Look may not work .
Customer Support edge: Central BankR27R31R62R71
Zions Bank Mobile Banking Zions Bank users report poor customer assistance, with local branches having no insight into app issues and customer service being unhelpful or rude R27R31.
Central Bank Central Bank users generally praise their local branches and customer service for being friendly and helpful R62R71. However, some note difficulty reporting issues within the app and issues with fraud departments freezing accounts without notification .
Pick Zions Bank Mobile Banking if

You prioritize a slightly less frustrating login experience, even if the app has widespread reliability issues and less intuitive features R51R3R19.

Pick Central Bank if

You value a generally easier to use app for basic transactions and responsive customer service, despite potential login quirks and slow mobile deposits .

Evidence note: Both apps have a significant number of negative recent reviews, indicating a decline in user satisfaction, particularly regarding app stability and core banking features. The lifetime ratings are high for both, but recent feedback suggests current performance is not meeting expectations.

Frequently asked

Do these banking apps have issues with mobile check deposits?
Yes, both Zions Bank Mobile Banking and Central Bank apps have recurring problems with mobile check deposits, including difficulty capturing images, freezing, and long hold times for funds R8R28R37R42.
Are there frequent login problems with Zions Bank Mobile Banking or Central Bank?
Both apps experience frequent login problems; Zions Bank users report error codes like 1002/1003 and issues with Face ID and VPNs R4R7R9R18, while Central Bank users face persistent login errors, issues with temporary codes, and a problematic 'secret word' requirement .
How do recent updates affect the apps?
Recent updates have negatively impacted both apps; Zions Bank users report a new format that shows less transaction detail and broken features like rewards and transfers R6R16R25R54, while Central Bank users experience slower loading times and increased crashing after updates .

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. [R4] Zions Bank Mobile Banking 1/5 · US Sucks: Absolutely sucks. 60% of the time is says “cannot connext try again later” stupid app
  2. [R7] Zions Bank Mobile Banking 1/5 · US Doesn't even work: I'm not sure when, but this app doesn't even load fully anymore, it just gives me an error code 1003. And I'm not calling a help number to get the app to work, the app should just work.
  3. [R9] Zions Bank Mobile Banking 3/5 · US Please fix: When the app does load it works great and I can move money around very quickly but the problem is that the app will never load anymore and always has either a 1002 code or a 1003 code no matter where I am and how good my service is
  4. [R18] Zions Bank Mobile Banking 3/5 · US Error Code 1002: This newer version every 2nd day that i open the app it says eror code 1002.
  5. [R8] Zions Bank Mobile Banking 4/5 · US Fix your check options: Good app, but man it's a pain to dipost a check. I'll be there for 30 mins trying to wait for it to allow me to hit next. It doesn't tell me if the picture is wrong or if there's an error. But I would say this feature does suck. Please fix it
  6. [R28] Zions Bank Mobile Banking 2/5 · US Mobile Deposit: The Mobile deposit is difficult to use compared to the other banks we use.
  7. [R33] Zions Bank Mobile Banking 3/5 · US Improving but not great: Zions has always been behind in the times. It takes a long time to navigate through things and a million attempts to do a mobile deposit. It’s improving but not as good as other bank apps
  8. [R37] Zions Bank Mobile Banking 2/5 · US Unreliable mobile upload: Regularly have issues trying to upload checks. Take compliant pictures, fill in the boxes, but it doesn’t allow the option to click the next button. The app doesn’t feel stable. Especially because there are so few Zion banks across the country the mobile upload is a dealbreaker.
  9. [R51] Zions Bank Mobile Banking 4/5 · US Fix Face ID Feature: I love this app, but every time I try to login using Face ID, it says “An error occurred while trying to login using biometric data” so I have to type in my password. Very annoying.
  10. [R3] Zions Bank Mobile Banking 3/5 · US balderdash!: the nightly maintenance and vpn login denial have gotten annoyingly old. deal with them or face a shrinking customer base.
  11. [R19] Zions Bank Mobile Banking 2/5 · US No VPN compatibility: Isn’t compatible when using VPN. Terrible for security risk.
  12. [R12] Zions Bank Mobile Banking 3/5 · US New Update ruined it: App was great for years but has been declining. Transactions don’t show up very quickly anymore. MFA requires too many “clicks”.
  13. [R6] Zions Bank Mobile Banking 3/5 · US New format is a downgrade: Since the new format was launched now when I check my accounts all I can see are the #’s and barely any of the transaction details. Very frustrating. App is updated. I only use the phone app. The old format was great. Been a customer since the 90’s. Hope they can upgrade us back to a more convenient format soon. Love Zions Bank.
  14. [R30] Zions Bank Mobile Banking 3/5 · US Used to be better: Half the time I can’t see my rolling transaction history. I can only see the overall amount in each account with no details. Very frustrating. Check deposit and transfer funds work easy enough though. Bank’s interest rates are garbage unfortunately so not enough inventive to stick with it.
  15. [R54] Zions Bank Mobile Banking 1/5 · US Horrible update: This update is terrible!!! The print is so large, you have no idea what the transaction is, at a glance. You have to click on each one to see what it is. And if you click on search, but change your mind, there’s no way to go back. You have to close the app. So sorry I updated it. I’m so annoyed. It is useless. Why do they insist on making stupid changes?
  16. [R2] Zions Bank Mobile Banking 4/5 · US Delayed Messages/accurate Notification Updates: While I really love the app and being a member? I quite often am annoyed with the fact that I don’t get accurate updates on balances- I’m always being delivered the former days news. If I want to confirm my balance I have to actually open my app.. kinda defeats the purpose of notifications. I need accurate information and prompt notifications.
  17. [R27] Zions Bank Mobile Banking 3/5 · US Poor customer assistance: I called our local branch. They were professional and courteous but had no insight into the app. They gave me the customer service number. I waited to get through for twenty minutes. The woman was rude and gave me the, “Did you try updating it” solution which solved nothing. Turning phone off then back on, my solution, did the trick.
  18. [R31] Zions Bank Mobile Banking 2/5 · US Dissatisfied Customer: Your call in switch board is bad, I can’t after selecting Customer Service press zero to talk to a person. I have to wait until you go through all the options. I already know I want to talk to the operator. I don’t need to listen to all your options and the people that do can’t listen to all our options. Plus this is the 5 new debit card in a year.
  19. [R62] Central Bank 5/5 · US Review: Been with them for years especially the Lawson branch great people work there
  20. [R71] Central Bank 5/5 · US Respect: I love my local bank! Great service and the app is amazing. Thank you for all you do.
  21. [R42] Zions Bank Mobile Banking 3/5 · US Mobile deposit: Mobile deposit was simple, now there is this auto check capture feature that is ultra sensitive. It refuses to work and after it finally times out, it gives the option to manually capture. That works just fine, but takes forever to get to that point. Overall I love the app, this feature however, struck out!
  22. [R16] Zions Bank Mobile Banking 1/5 · US App isn’t good: App used to be super great and user friendly. Since it was updated in October customers can’t go in and do things on their own. Example is the rewards. Previous you could go in and get the rewards on your own. Now if you click the rewards button it won’t take you anywhere. Why can’t this app actually be updated to work decent for customers?
  23. [R25] Zions Bank Mobile Banking 2/5 · US Update: You cant do transfers on the new update please fix

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