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

Liberty Mutual Mobile vs Shell FCU Mobile

Liberty Mutual Mobile 4.8★ · Free to download 40
Winner Shell FCU Mobile
Shell FCU Mobile 4.9★ · Free to download 65

Shell FCU Mobile is the better choice for banking needs due to its generally positive user experience and reliable core functions, despite recent update issues, while Liberty Mutual Mobile is plagued by significant functional and privacy concerns.

Full reviews: Liberty Mutual Mobile · Shell FCU Mobile

Shell FCU Mobile generally offers a user-friendly experience for managing accounts and moving funds, though recent updates have introduced some performance and feature issues. Liberty Mutual Mobile, while praised by some for ease of use and claims service, faces widespread criticism for its unreliable bill pay, policy modification difficulties, and intrusive tracking features.

Head to head

Features and Functionality tieR1R3R4R6
Liberty Mutual Mobile Liberty Mutual Mobile users report significant issues with core functionalities like bill payment, policy modification, and accessing ID cards R1R4R12. While some users find it easy to manage multiple rentals or make changes , many experience errors, missing information, or non-responsive buttons when trying to update policies or view details . The RightTrack program, intended for discounts, is criticized for intrusive location tracking, battery drain, and inaccurate scoring R3R6.
Shell FCU Mobile Shell FCU Mobile users appreciate the ease of seeing accounts and moving funds . However, recent updates have introduced problems with mobile deposit , Zelle functionality R63R66R69R75, and the ability to download statements . Some users also wish for easier ways to add cards to Apple Pay or make extra principal payments .
Ease of Use and Reliability tieR5R20R22R29
Liberty Mutual Mobile Many Liberty Mutual Mobile users find the app difficult to navigate, with broken links, sign-in failures, and confusing interfaces R29. The app is often described as a 'website wrapper' with limited native app features . While some praise its ease of use and intuitive design R5R20R22, others report inconsistent functionality, with policies missing or buttons not working .
Shell FCU Mobile Shell FCU Mobile is generally considered easy to use and navigate by many long-term members . However, recent updates have severely impacted reliability, with users reporting the app being unresponsive, slow, freezing at the logo, or getting stuck in verification loops . A persistent issue is a 'chat with us' button that obstructs account information .
Customer Service and Support edge: Shell FCU MobileR1R7R10R14
Liberty Mutual Mobile Liberty Mutual Mobile users have mixed experiences with customer service. Some praise quick responses on claims and professional agents R14, while others report horrible customer service, useless tech support, and difficulty resolving billing issues R1R7R10R19. There are complaints about customer service denying mistakes and not updating accounts correctly R19.
Shell FCU Mobile Shell FCU Mobile users consistently praise the credit union's customer service, describing staff as polite, professional, helpful, and friendly . Users appreciate getting a live person quickly when calling . However, the in-app chatbot is noted as unhelpful for complex issues .
Billing and Payments tieR1R4R12R19
Liberty Mutual Mobile Liberty Mutual Mobile users frequently complain about the app's billing and payment system, calling it the 'worst' they've ever seen R4. Many report being unable to pay bills through the app, forced to call or use the website R1R12R33. Issues include incorrect billing, slow payment processing, and accounts not updating R1R19.
Shell FCU Mobile Shell FCU Mobile users generally find it easy to track payments and amounts . However, some report that transactions take 4-5 days to show up . There are complaints about being unable to make extra principal payments through the app and concerns about overdraft fees .
Privacy Concerns edge: Shell FCU MobileR3R6R80
Liberty Mutual Mobile Liberty Mutual Mobile users express significant privacy concerns, particularly regarding the RightTrack program. It requires 'nonstop access to your precise location' 24/7, which users find intrusive and a battery drain R3R6. Some feel it's an 'invasion of privacy' and dislike the constant monitoring R6.
Shell FCU Mobile Shell FCU Mobile users have fewer direct privacy complaints about the app itself. One user found a call from the credit union about ATM activity 'odd and invasive' R80, but this is not directly related to app permissions or data collection.
Pick Liberty Mutual Mobile if

you value the potential for quick claims service and an easy-to-use interface for basic policy viewing, and are willing to tolerate significant functional issues and privacy concerns related to tracking programs R5R14R20.

Pick Shell FCU Mobile if

you prioritize excellent customer service from your credit union and generally easy navigation for managing accounts and moving funds, and are prepared to deal with recent app update issues like slow performance or broken Zelle functionality .

Evidence note: Both apps are free to download, so there is no free-vs-paid asymmetry. Recent negative reviews for Shell FCU Mobile often focus on issues introduced by a specific update, which might temporarily skew its recent perception compared to its high lifetime rating. Liberty Mutual Mobile's issues appear more fundamental and long-standing.

Frequently asked

Does Liberty Mutual Mobile allow me to pay my bill through the app?
Many Liberty Mutual Mobile users report that they cannot pay their bill directly through the app and are instead forced to call in or use the website, describing the bill pay system as the 'worst' they've encountered R1R4R12R33.
Are there issues with Zelle on the Shell FCU Mobile app?
Yes, several Shell FCU Mobile users have reported significant problems with Zelle functionality since recent updates, including being unable to access it, add new contacts, or transfer money between accounts R63R66R69R75.
Does Liberty Mutual Mobile track my location?
Yes, Liberty Mutual Mobile's RightTrack program, which offers driving discounts, requires 'nonstop access to your precise location' 24/7, leading to user complaints about intrusiveness and battery drain R3R6.

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. [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!
  7. [R22] Liberty Mutual Mobile 5/5 · US App: Love the app it’s easy to use
  8. [R29] Liberty Mutual Mobile 1/5 · US Worst app that I had to say it: Everything about this app is half ahh. Links don’t work. Sign in fails. Pages upon pages of clicking just to lose your place again. Hard to make sense of where you need to go to do anything. And changing your policy feels half baked when you have to “wait” for someone to update the actual policy. And my deductibles never gone done in all my years with this company.
  9. [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
  10. [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.
  11. [R14] Liberty Mutual Mobile 5/5 · US Quick to answer on a claim: Response and professionalism is great
  12. [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.
  13. [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
  14. [R80] Shell FCU Mobile 5/5 · US Yikes: If you forget your pin at the atm and go inside, someone will call you a month later and ask you why and just what you were doing, like your activity was odd. The guise was “did you receive your funds we saw your hands were empty” Really? You think I’d leave without them? I went inside after all It was an odd and invasive call, a month after the transaction. That’s a slippery slope to b
  15. [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.
  16. [R63] Shell FCU Mobile 3/5 · US Needs Zelle: If it had Zelle or something so I can send money back forth to my other account would be great
  17. [R66] Shell FCU Mobile 3/5 · US Zelle: Love this App but not having Zelle and not being able to transfer between my account at other financial institutions is an inconvenience. I pay my rent through Zelle and I am unable to do this with ShellFCU
  18. [R69] Shell FCU Mobile 3/5 · US Fix your Zelle please: A very great app for banking but the Zelle system is terrible, I am unable to add new contacts, I keep getting sent in a loop and it is very frustrating when we are forced to use it through this app
  19. [R75] Shell FCU Mobile 3/5 · US zelle: I just dislike that zelle don’t work anymore >:|

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