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

Liberty Mutual Mobile vs PenFed Mobile

Liberty Mutual Mobile 4.8★ · Free to download 60
Winner PenFed Mobile
PenFed Mobile 4.8★ · Free to download 70

PenFed Mobile has a slight edge due to more consistent core banking functionality, while Liberty Mutual Mobile struggles with basic policy management and payment features.

Full reviews: Liberty Mutual Mobile · PenFed Mobile

Liberty Mutual Mobile users report significant issues with bill payment, policy changes, and the intrusive nature of its RightTrack program. PenFed Mobile, while not without its flaws in mobile check deposit and login consistency, generally provides a more reliable experience for core banking tasks.

Head to head

Features & Functionality edge: PenFed MobileR1R3R4R6
Liberty Mutual Mobile Liberty Mutual Mobile offers features like managing multiple rentals and quick claim responses, which some users find beneficial R14. However, many users report critical failures in core functionalities such as paying bills, making policy changes, and accessing ID cards R1R4R12. The RightTrack program, intended for discounts, is criticized for its intrusive location tracking and inaccurate driving assessments R3R6R13R37.
PenFed Mobile PenFed Mobile allows users to manage accounts, pay bills, transfer funds, and make mobile check deposits, which many find useful . However, there are recurring complaints about the bill pay system being difficult to use or inoperative, issues with mobile check deposit auto-capture, and difficulty finding specific information like routing numbers R66R70.
Ease of Use edge: PenFed MobileR5R10R16R20
Liberty Mutual Mobile Some users find Liberty Mutual Mobile easy to navigate and functional, providing necessary information quickly R5R20. However, a significant number of reviews describe the app as difficult to use, with broken links, sign-in failures, and a confusing interface R10. Issues like the inability to make simple policy changes or pay bills within the app contribute to a frustrating user experience R16R33.
PenFed Mobile PenFed Mobile is often praised for being easy to use, accessible, and intuitive for managing accounts and transfers . Conversely, some users find it difficult to locate specific functions, experience login issues, or encounter problems with the mobile check deposit auto-capture being too fast or not allowing retakes R70.
Reliability & Performance edge: PenFed MobileR10R15R19R23
Liberty Mutual Mobile Liberty Mutual Mobile's reliability is a major concern, with users reporting the app not updating payments or dates, policies going missing, and features simply not working R15R19R23. Login issues and technical glitches, such as permission loops for RightTrack, are also frequently mentioned R10.
PenFed Mobile PenFed Mobile users experience occasional login errors, lag, and issues with features like card lock/unlock or Zelle . Mobile check deposit is particularly problematic for some, with auto-capture issues and eligibility problems R66R70R73R95. Despite these, many users describe the app as generally reliable for electronic banking .
Customer Support tieR1R7R10R14
Liberty Mutual Mobile Liberty Mutual Mobile users report significant frustration with customer service, citing unhelpful tech support, difficulty reaching anyone, and agents denying mistakes R1R7R10R19. Some positive experiences mention quick claim responses and professional agents R14.
PenFed Mobile PenFed Mobile users have mixed experiences with customer support. Some praise the service as excellent, understanding, and helpful, especially for phone calls . However, others report long hold times, difficulty reaching a human, and representatives being unable to fix app issues or explain system problems R95.
Price/Value edge: PenFed MobileR2R5R6R11
Liberty Mutual Mobile Some Liberty Mutual Mobile users report lower premiums compared to previous insurers and appreciate the value R5. However, others express dissatisfaction with high insurance costs, lack of expected discounts, and being overcharged R2R11R19. The RightTrack program, intended to offer discounts, is criticized for its strict and often inaccurate tracking, making it difficult to achieve savings R6R13.
PenFed Mobile PenFed Mobile users appreciate benefits like 5% cash back on fuel and a good point system . While there are no direct complaints about fees or pricing within the app context, the value is tied to the overall credit union services, which some find excellent .
Pick Liberty Mutual Mobile if

You prioritize quick claim responses and managing multiple rental policies, and are willing to tolerate significant app inconsistencies for policy management and bill payment R14.

Pick PenFed Mobile if

You need a mobile banking app for essential tasks like managing accounts, making transfers, and paying bills, and can overlook occasional issues with mobile check deposit and login consistency .

Evidence note: Both apps are free to download, so there is no free-vs-paid asymmetry. Reviews for both apps show a mix of positive and negative feedback, with recent negative reviews for Liberty Mutual Mobile often highlighting critical failures in basic functionality.

Frequently asked

Can I pay my bill using the Liberty Mutual Mobile app?
Many users report significant difficulty or complete inability to pay bills directly through the Liberty Mutual Mobile app, often being forced to use the website or set up autopay instead R1R4R12R33.
Does PenFed Mobile have issues with mobile check deposit?
Yes, several PenFed Mobile users report problems with the mobile check deposit feature, specifically with the auto-capture tool being too fast, not allowing retakes, or accounts being deemed ineligible R66R70R73R95.
Is Liberty Mutual's RightTrack program intrusive?
Yes, users find Liberty Mutual's RightTrack program intrusive due to its requirement for 24/7 precise location access, which also drains phone battery and can inaccurately penalize driving behavior, even for hands-free phone use or as a passenger R3R6R13R37.

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] Liberty Mutual Mobile 1/5 · US Where is Contact Us Information?: Can’t believe that there is no information about how to contact you in the app. Cannot setup auto payment. Billing is incorrect but can’t reach anyone to fix it.
  2. [R3] Liberty Mutual Mobile 3/5 · US Intrusive: Feeling like too many allow on settings and access given in order to opt into program, feels intrusive
  3. [R4] Liberty Mutual Mobile 1/5 · US Has the worst bill pay system: Not only does the application have the worst bill paying system I’ve ever seen in my life, but the website is just as bad typically I move my money around different accounts, but there is legit no way to just pay a bill even with the auto pay bill feature if you wanted to manually pay your bill, you have to jump through a ton of hoops, I don’t recommend this for anyo
  4. [R6] Liberty Mutual Mobile 3/5 · US 24/7 Precise Location Req’d for RightTrack - not cool: Very disappointed the safe driving discount requires nonstop access to your precise location, especially since I work from home and don’t drive for days. An invasion of privacy to see your customers’ location 24/7! Find a better way. Also, you’re killing my phone battery.
  5. [R5] Liberty Mutual Mobile 5/5 · US Great insurance, great service, easy app: We switched from Farmers and couldn’t be happier! The premiums are half what we were paying, the service is great.
  6. [R10] Liberty Mutual Mobile 1/5 · US Worst app I’ve ever used: I can not set up the app on her phone. Tech support is useless.
  7. [R16] Liberty Mutual Mobile 2/5 · US Unnecessarily difficult: The app is good, unless you want to make the most basic changes to your policy. I have tried multiple times to just add a Landlord to my renter’s policy, and it gives me an error saying that I need to call tech support to make that change. Same thing with literally just adjusting my address. It shouldn’t be this complicated. If you can’t make these simple changes on the ap
  8. [R20] Liberty Mutual Mobile 5/5 · US Easy and functional!: Most apps aren’t intuitive- you have to dig for the info. Not this one! It’s easy to navigate, fast, and provides all the information you would need/expect!
  9. [R15] Liberty Mutual Mobile 3/5 · US Doesn’t work well for me: This app shows my homeowner policy, but not my auto policy. I have removed it and reinstalled it, but it still doesn’t work. My auto policy does show in a web browser.
  10. [R19] Liberty Mutual Mobile 1/5 · US Horrible customer service: These people will still say you deserve a late fee when this app doesn’t update your financial accounts! They will over charge you for renters and demand you send them identification and then not update you on results. Trash company
  11. [R23] Liberty Mutual Mobile 1/5 · US Worse app ever: This app does not update you payments or dates it is the worse app
  12. [R7] Liberty Mutual Mobile 1/5 · US Fake: No sirven para arreglar Los problemas al contrario Los asen mas dificiles les doy una estrella Por Que estoy muy molesta me siguen cobrando Aseguranza de un carro que ya no es mío
  13. [R14] Liberty Mutual Mobile 5/5 · US Quick to answer on a claim: Response and professionalism is great
  14. [R2] Liberty Mutual Mobile 4/5 · US Good so far: Progressive sold out to Liberty Mutual. So far so good. No big problems yet. The Progressive clerk made some errors entering my data and they never caught it. Liberty caught these errors right a way. I just dont like relying on apps for everything. As they’re offering me a new quote i might see if they can get a discounted rate with how expensive things are. Or if its a scam and they’
  15. [R11] Liberty Mutual Mobile 4/5 · US This new contact option is great but I pay far too much for insurance now and do not need anything: Va gives a discount for drivers using their vehicles less than a certain number of miles but when I asked they told me no they didn’t offer it so I think it may be time to look for another company considering my driving record.
  16. [R12] Liberty Mutual Mobile 3/5 · US Billing: The app works fine. I just hate that I can’t pay my bill using the app. I gotta call in or set up autopay.
  17. [R33] Liberty Mutual Mobile 1/5 · US Can’t Pay Bill Through App: I’ve had the app for months and unable to pay my bill through the app I’m forced to go to the website to pay my bill it’s pointless to have the app of the features don’t work.
  18. [R66] PenFed Mobile 3/5 · US Scan Check issue: Scanning a check is not always successful. It scanned the front of the truck as both the front and the back. I don’t see a way to edit the back so I have to start again
  19. [R70] PenFed Mobile 2/5 · US UPDATE has made capturing checks worse: The auto capture tool for checks was working fine before. Before, You’d set the front of your check. Auto Capture it. Great. Then It’d take you back out of auto capture, you flip your check to its back , you click on back option . Auto capture. And done. Worked great! BUT Now, -it makes you do it “all at once” and too fast. If you are not fast enough turning
  20. [R73] PenFed Mobile 2/5 · US Mobile check deposit auto capture doesn’t allow retaking of photos: When using auto capture to photo checks, there is not apparent option to retake photos if necessary.
  21. [R95] PenFed Mobile 1/5 · US This is not a credit union it’s a joke: Mobile deposit doesn’t work despite having an account since 2017. I tried for the first time to use mobile deposits and I was told that my account is in eligible. I called Support multiple times and yet nobody can tell me why mobile deposit doesn’t work. This is a garbage credit union. This may as well be an online bank. It’s not a real bank. Once I finall
  22. [R13] Liberty Mutual Mobile 1/5 · US RightTrack: Right track app counts point off even if you use hands free to answer phone calls. If you have Apple car play you can text and do anything you want from the car screen. I just started count everything as passenger if I have to use my phone during that drive.
  23. [R37] Liberty Mutual Mobile 1/5 · US Painful: To have to edit every time I switch between passenger and driver is PAINFUL! How about I tick a box? Would that be too hard?

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