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

Navy Federal Credit Union vs Chase Mobile®

Navy Federal Credit Union 4.9★ · Free to download 60
Winner Chase Mobile®
Chase Mobile® 4.8★ · Free to download 75

Chase Mobile® generally offers a more reliable and user-friendly experience for core banking functions, despite some complaints about specific features and customer service, while Navy Federal Credit Union's app is plagued by frequent bugs and performance issues.

Full reviews: Navy Federal Credit Union · Chase Mobile®

Chase Mobile® is generally praised for its ease of use and reliability for daily banking tasks, though some users express frustration with specific features and customer support. Navy Federal Credit Union's app, despite its high lifetime rating, faces numerous recent complaints about bugs, slow performance, and frequent maintenance outages.

Head to head

Features tieR11R16R18R19
Navy Federal Credit Union Navy Federal Credit Union offers standard banking features like transfers, bill pay, and mobile deposits, but users report issues with specific functionalities. Problems include difficulties with savings goals R16R18, credit card payment processing R19, and a glitchy rewards site . Some users also miss the iOS widget R11 and desire a clear auto-pay option .
Chase Mobile® Chase Mobile® provides a comprehensive set of features for managing accounts, making deposits, and using Zelle . Users appreciate the ability to customize their home page and the convenience of biometric login . However, there are complaints about the travel rewards feature being clunky , issues with the 'Pay in 4' option , and difficulties with external account linking .
Ease of Use edge: Chase Mobile®R7R8R15R22
Navy Federal Credit Union While some users find Navy Federal Credit Union's app easy to use and navigate , many recent reviews highlight significant usability problems. These include slow loading times R7, the app locking up or freezing R7R8, and display issues like screens not fitting the phone R15. Users also report issues with mobile deposits R31R56 and persistent notification badges that can't be cleared R22.
Chase Mobile® Chase Mobile® is frequently praised for being easy to use, navigate, and convenient . Users appreciate the quick access to balances and payments with biometrics . However, some find the app not very user-friendly compared to competitors R72, and there are complaints about font size changes after updates and the app forcing paperless options at login .
Reliability edge: Chase Mobile®R3R6R7R9
Navy Federal Credit Union Navy Federal Credit Union's app has significant reliability issues, with users frequently reporting it not loading , locking up R7, or being inaccessible due to maintenance R3R9R34R50. Many users describe the app as buggy and inconsistent, with multiple updates failing to resolve core issues R6R37.
Chase Mobile® Chase Mobile® is generally seen as reliable, with many users stating it has never given them problems and that it runs smoothly . However, there are reports of the app getting stuck in login loops with Face ID , issues with autopay not functioning correctly , and the app forcing updates that prevent access for users with older phones R64R95.
Customer Support tieR1R3R4R37
Navy Federal Credit Union Navy Federal Credit Union receives numerous complaints about poor customer service, including long wait times R1, unanswered calls R3, and a general lack of helpfulness R4R52. Users also express frustration with the lack of warnings about fraudulent activity and app issues R37.
Chase Mobile® Chase Mobile® users also report issues with customer service, describing it as useless and unhelpful, especially with specific features like 'Pay in 4' or Zelle verification . Many users desire a live chat option with human agents instead of bots R72R78.
Price/Value edge: Navy Federal Credit UnionR5R14R48R52
Navy Federal Credit Union Navy Federal Credit Union is generally perceived as offering good value, with some users highlighting competitive rates R48R52 and overall satisfaction with the bank R5R14. The app itself is free to download.
Chase Mobile® Chase Mobile® is free to download, but some users complain about high annual fees for certain products and predatory overdraft fees . There are also complaints about a lack of benefits and low APYs .
Pick Navy Federal Credit Union if

You are a member of Navy Federal Credit Union and prioritize competitive rates and overall bank satisfaction, and are willing to tolerate frequent app bugs and performance issues R5R14R48R52.

Pick Chase Mobile® if

You prioritize a generally reliable and easy-to-use banking app for daily transactions and account management, even if some specific features or customer service interactions can be frustrating .

Evidence note: Navy Federal Credit Union has a higher lifetime rating, but recent reviews are heavily skewed negative, focusing on app performance and reliability issues. Chase Mobile® has a slightly lower lifetime rating but a more balanced mix of recent positive and negative feedback.

Frequently asked

Does Navy Federal Credit Union's app have frequent maintenance?
Yes, Navy Federal Credit Union's app is frequently reported to go down for maintenance, often at inconvenient times like weekends, which can prevent users from accessing their accounts or making transactions R3R9R34R50.
Are there issues with mobile deposits on the Navy Federal Credit Union app?
Yes, some users of the Navy Federal Credit Union app have reported issues with mobile deposits, including the screen freezing or checks being marked as blurry even with good lighting R31R56.
Does Chase Mobile® offer live chat support?
Chase Mobile® users have expressed a desire for live chat support with human agents, as current options often involve AI or bot responses that are not helpful R72R78.
Can I use Chase Mobile® on an older phone?
Some Chase Mobile® users with older phones have reported being forced to update their app, which then prevents them from accessing their accounts unless they buy a new phone R64R95.

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. [R11] Navy Federal Credit Union 5/5 · US Bring Back the Widget: A few iOS versions ago, there was a widget I could have on my phone home page. I wish they would bring that option back.
  2. [R16] Navy Federal Credit Union 1/5 · US Issue with savings goal: I have money in my savings goal, but when I try to make a transfer it’s saying that I have $0.00 in my savings goal account. Needs to be fixed asap!
  3. [R18] Navy Federal Credit Union 3/5 · US Good but could be great…: First let me say, I love my navy federal app. It’s easy to use, information is clear and I generally just like the interface, but there needs to be better strides in customization and options for editing accounts. One of my biggest gripes is the new “my savings goals” advertised as an easy way to save money and create savings groups for things you want. In theory this is
  4. [R19] Navy Federal Credit Union 1/5 · US Can’t make credit card payment: I have been trying to pay my credit card bill and the app continuously says it is experiencing an error.
  5. [R7] Navy Federal Credit Union 1/5 · US Locks ups: Login still slow and app still locks up after login just like last update on iPhone. Unusable again. I have to use the old app on my iPad that I have not updated. And I have reset and test every change allowable both on phone and router. The last resort is to delete app and install from scratch. Sucks to do that.
  6. [R8] Navy Federal Credit Union 4/5 · US Recent issues: I’ve been experiencing issues with the app freezing up anytime I attempt to set cardholder limits or Freeze/Unfreeze another users credit card. This issues also sometimes occurs when checking upcoming transactions. Otherwise it’s a great app.
  7. [R15] Navy Federal Credit Union 3/5 · US Fix it: After the last version my app doesn’t fit my iPhone 16. The accounts page is now wider and it cuts off the sides. Page doesn’t rotate so I have to guess what the cut off side says.
  8. [R22] Navy Federal Credit Union 1/5 · US Stuck Badge Notification.: The app is showing a number 1 as a badge notification count, but I don’t have any notifications at all in the app. When I log into the to app to look for any messages or notifications, I cannot find any. I have deleted the app, deleted it’s data from my phone, restarted my phone and reinstalled the app, hoping this will clear that erroneous badge count. After the app
  9. [R3] Navy Federal Credit Union 3/5 · US Maintenance and 24/7 help: If they have maintenance York screwed. a random charge you know comes through and you don’t call them they block your card then when you do try to call them about it they don’t answer the line and sit around chat up their buddies, 24/7 help is a joke. Wake up and do your job.
  10. [R6] Navy Federal Credit Union 3/5 · US Good FI / App is buggy and Core system needs completion of real time upgrade desperately: Can you please fix the switch user feature? It is very unreliable and frequently gets in to a state when switching that leaves the app broken and the only way to fix is to log out and back in again. It will report “We are having trouble displaying your information upon switching. Please try again.” The only
  11. [R9] Navy Federal Credit Union 3/5 · US Has Become Trash: This app used to be great. The amount of times this app shuts down for maintenance (during the weekends btw) you’d think it would get better. It has not. Trying to create a cashier’s check request and this app won’t allow me to pull money from the correct account. Currently looking for another financial institution alternative.
  12. [R1] Navy Federal Credit Union 1/5 · US Customer service: I had an urge matter I needed answering and instead of answering navy reader customer support made me wait hours and didn’t even answer as well as the instagram navy federal had answered faster then the actual company.
  13. [R4] Navy Federal Credit Union 1/5 · US I Hate Navy Federal: If I had a triple negative zero that would be the rating. They lie like no tomorrow. Absolutely hate them.
  14. [R37] Navy Federal Credit Union 1/5 · US App issues: There is an ongoing issue with app and it’s been a few days any word on the resolution time ?
  15. [R5] Navy Federal Credit Union 5/5 · US Best of All: You won’t find better than NFCU, period.
  16. [R14] Navy Federal Credit Union 5/5 · US BEST BANK & APP EVER: I literally don’t care what anyone says.. I’ve tried every bank even fintech banks but nothing comes close to Navy Federal! The best bank and app all in one! I will be with NFCU for life ❤️
  17. [R48] Navy Federal Credit Union 3/5 · US This last update - terrible: I’ve gone all-in with NFCU, I do my main banking, switch car loans over, credit cards, etc because the rates are competitive, ease of use apps/features and I liked having everything centralized. Recently I’ve become team cash back and redeeming rewards was easy, I’d transfer them to my savings account - zero restrictions, whether it was cents or dollars worth = easy pe
  18. [R52] Navy Federal Credit Union 1/5 · US Great Rates, HORRIBLE SERVICE: My friends in the military were definitely right; Navy Fed has better rates but HORRIBLE customer service/response times. Took 4 weeks to apply to become a member with a 740 credit score. Took several days of non responses for my mortgage application to finally get some answers. Their platinum credit card is a great starting card. But the person I applied with had ze
  19. [R34] Navy Federal Credit Union 2/5 · US It’s alright ig: It’s a good bank but whenever I wanna use my card the bank is always in maintenance!!!!!
  20. [R50] Navy Federal Credit Union 5/5 · US Down time for maintenance: This app is usually really good. But it goes down at the most inconvenient time. Like on a Saturday day night at 9 pm.
  21. [R31] Navy Federal Credit Union 1/5 · US Can’t do mobile deposits anymore: Since a recent update (I believe 2026.6.1) I’m no longer able to do mobile deposits. When I take a picture of the front of the check, the entire screen turns white and just stays there frozen. I’ve tried turning off auto capture, flash, restarting app, restarting phone, my phone has the latest iOS update, everything. The bug is in the app.
  22. [R56] Navy Federal Credit Union 4/5 · US pretty great: fix the mobile deposit there shouldn’t be no reason that i take the best photos of my life with my phone and it still says blurry even though i literally just cleaned my camera before taking the photo and have perfect lighting… example im dealing with this issue now and i’m right now im next to my window with the light on and it’s still saying blurry.
  23. [R72] Chase Mobile® 3/5 · US Meh: I’d give it 2.5 if I could. There’s nothing special about it. It’s not very user friendly. I’ve had Capital One and Discover for years and their apps and chat bot are extremely helpful and useful Ive almost never had to call them. Which is what we want right? Anything that makes it easier to do from our phones, on our own, without having to go in or call.
  24. [R78] Chase Mobile® 3/5 · GB Need to offer Live chat service: Please offer live chat service with live humans not robot. Even if there is wait time for the response.
  25. [R64] Chase Mobile® 1/5 · US Forced Update 😡: They deserve ZERO stars. Chase is forcing customers with older phones to “update” their APP and not providing basic service to customers who may fall below a socio-economic threshold. Also, some people like their older phones, and should not be forced to buy a new phone just to get access to their account.
  26. [R95] Chase Mobile® 1/5 · US SO WACK: I can’t use the app now because of updates??!! Really??? Thanks alot!!! Now I can’t get into my accounts!!! So I have to buy a new phone to use my account 👎

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