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

Arkansas FCU Mobile Banking vs BCU Mobile Banking

Arkansas FCU Mobile Banking 4.9★ · Free to download 65
Winner BCU Mobile Banking
BCU Mobile Banking 4.9★ · Free to download 70

While both apps have high lifetime ratings, BCU Mobile Banking generally offers a more stable and feature-rich experience, despite some recent issues, making it the slightly better choice over Arkansas FCU Mobile Banking which faces more fundamental functionality problems.

Full reviews: Arkansas FCU Mobile Banking · BCU Mobile Banking

BCU Mobile Banking and Arkansas FCU Mobile Banking both boast high lifetime ratings, but recent user reviews reveal distinct challenges. BCU users praise its comprehensive features and security, though some report freezing and mobile deposit issues. Arkansas FCU users appreciate its ease of use and customer service, but many struggle with critical functionality like bill pay, Zelle, and biometric login.

Head to head

Features & Functionality edge: BCU Mobile BankingR1R3R6R13
Arkansas FCU Mobile Banking Arkansas FCU Mobile Banking users report significant issues with core banking features, including inability to make bill payments, transfer money, or use Zelle R1R3R6R15. Mobile check deposit is frequently cited as not working R13. Some users also note problems with viewing external accounts and sorting transactions .
BCU Mobile Banking BCU Mobile Banking offers a wide range of features, with users appreciating the ability to check balances, transfer money, and manage accounts . However, there are recurring complaints about Zelle integration being difficult or unavailable for some users , and mobile check deposit often fails R63R70R75R119. Some users also report issues with credit card rewards access and bill pay R75.
Ease of Use & Interface tieR4R5R10R12
Arkansas FCU Mobile Banking Many Arkansas FCU Mobile Banking users find the app easy to use and navigate R5R12. However, others report issues with text visibility, non-scalable screens, and poor optimization for mobile devices R4R10. Some find the process for linking external accounts difficult .
BCU Mobile Banking BCU Mobile Banking is described as easy to navigate and user-friendly by many . However, there are complaints about poor readability, lack of font scaling, and no dark mode . Some users also find the interface slow to update transactions and occasionally glitchy R75.
Reliability & Performance tieR3R7R10R22
Arkansas FCU Mobile Banking Arkansas FCU Mobile Banking users frequently report the app freezing, crashing, or signing them out repeatedly R7R22R24R26. Biometric login (Face ID, Touch ID) is often unreliable or non-functional R7R24R26. Some updates have reportedly broken functionality R3R10.
BCU Mobile Banking BCU Mobile Banking users experience frequent freezing and crashing, particularly on iPhones and iPads . The app is also criticized for being slow to update transactions and account balances . Some users report issues with the app constantly pinging location, draining battery R72R76R92R102.
Security & Login tieR7R24R26R34
Arkansas FCU Mobile Banking Arkansas FCU Mobile Banking users express frustration with the app requiring frequent password changes and full Social Security numbers for password resets R34. Many also report issues with biometric login (Face ID, Touch ID) not working, forcing manual password entry R7R24R26.
BCU Mobile Banking BCU Mobile Banking is praised by some for strong security and vigilance against suspicious activity . However, users report persistent issues with the 'verify human' screen preventing login . There are also concerns about the app constantly tracking location, which some perceive as a security or privacy issue R72R76R92R102.
Customer Service & Support edge: Arkansas FCU Mobile BankingR2R8R14R16
Arkansas FCU Mobile Banking Arkansas FCU Mobile Banking users highlight excellent customer service from the credit union, with staff being friendly, helpful, and professional R2R8R14. However, some users report difficulty reaching customer service by phone, with long wait times R16.
BCU Mobile Banking BCU Mobile Banking users generally praise the credit union's customer service for being responsive and caring . However, some users report unhelpful support regarding app issues, being dismissed as device problems , or difficulty getting issues resolved . There are also complaints about staff being disrespectful on the phone .
Pick Arkansas FCU Mobile Banking if

You prioritize excellent in-person or phone customer service from your credit union and are willing to tolerate significant app functionality issues, especially with bill pay, transfers, and Zelle R2R8R14R16.

Pick BCU Mobile Banking if

You need a banking app with a broader range of features and generally stable performance, even if it has occasional freezing issues and some difficulties with Zelle or mobile deposits .

Evidence note: Both apps have very high lifetime ratings, but a significant portion of recent reviews for both are negative, indicating a decline in user satisfaction or issues with recent updates. For Arkansas FCU, many positive reviews focus on the credit union's service rather than the app itself. For BCU, the app's age and lack of recent updates are a concern for some users.

Frequently asked

Does Arkansas FCU Mobile Banking support Zelle?
Based on user reviews, Zelle functionality in Arkansas FCU Mobile Banking is problematic, with many users reporting they cannot find it, use it, or that it is missing after updates R6R15R18.
Are there issues with mobile check deposit for BCU Mobile Banking?
Yes, several BCU Mobile Banking users report significant frustration with the mobile check deposit feature, citing it as a 'joke,' not working, or being declined due to issues with scanning both sides of the check R63R70R75R119.
Do these apps have issues with biometric login (Face ID/Touch ID)?
Both apps have reported issues with biometric login; Arkansas FCU Mobile Banking users frequently state that Face ID or Touch ID does not work, forcing them to manually enter passwords R7R24R26.
Does BCU Mobile Banking drain phone battery?
Yes, some BCU Mobile Banking users have reported that the app constantly runs in the background and pings location services, leading to significant battery drain R72R76R92R102.

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] Arkansas FCU Mobile Banking 1/5 · US Kenny: My account still locked. I can only view and still can’t make any bill payments. If I wasn’t a long time member I would put less than 1 star.
  2. [R3] Arkansas FCU Mobile Banking 3/5 · US App not working?: The app worked great for about a year, but I went to pay my bill this month and nothing is working…. I think the most recent update broke the functionality?
  3. [R6] Arkansas FCU Mobile Banking 3/5 · US Can’t use Zelle or transfer money or use debit card: Locked my debit card I can’t transfer money from checking or use PayPal or Zelle. Call center closed at 6 so I don’t have access to to funds all weeks
  4. [R13] Arkansas FCU Mobile Banking 1/5 · US LAR missing/can’t read.: This app used to be good but now it can’t ever seem to read ANY check. LAR missing is the theme of the updated app. Mobile banking doesn’t work when the app can’t seem to read ANYTHING!
  5. [R4] Arkansas FCU Mobile Banking 1/5 · US Need better text visibility: Wherever your text is light gray instead of black, you should fix that. Wherever your screens are not scalable on a mobile screen, you should also fix that.
  6. [R5] Arkansas FCU Mobile Banking 5/5 · US Love it!: Easy to use and access my account!
  7. [R10] Arkansas FCU Mobile Banking 2/5 · US App problem: This started with the last update. The landscape mode doesn’t Work on my iPad. All other apps work fine. Even when I link to The credit card section it will turn to landscape.
  8. [R12] Arkansas FCU Mobile Banking 3/5 · US Ease of use.: Easy to navigate.
  9. [R7] Arkansas FCU Mobile Banking 1/5 · US Frustrating: App sign me out literally every single time. Why can’t it just read my biometrics like I have checked and like every single other app out there? It’s ridiculous and insanely frustrating.
  10. [R22] Arkansas FCU Mobile Banking 1/5 · US I hate it: This app has been messing up for the last 2 weeks. I haven’t been getting any notifications, and I have to log in every single time i want to access the app.
  11. [R24] Arkansas FCU Mobile Banking 2/5 · US Face ID never works: This app is always kicking me out. It always says an error occurred and makes me type in my password even though I have my Face ID set up. Very annoying.
  12. [R26] Arkansas FCU Mobile Banking 1/5 · US Poor design: Doesn’t work well. When I tap on “more” it gets into a loop and have to close the app. Also doesn’t seem to suppler Touch ID. Needs improvement. Would be nice if it worked like the android version.
  13. [R34] Arkansas FCU Mobile Banking 1/5 · US Always a new password. Argh!: I was already using my new password algorithm. Now I can’t login until I can come up with something else I can remember. I trust my password. Why can’t you? And you need my FULL social security number to create a new password? No. Not enjoying my “new AFCU experience”. Can’t wait to get this paid off and be done with AFCU forever.
  14. [R2] Arkansas FCU Mobile Banking 5/5 · US Arkansas fcu: Banking with them since 2022 and I love how they operate and the people are so friendly…
  15. [R8] Arkansas FCU Mobile Banking 5/5 · US Mike -Customer: This organization is great to work with. They also have your back if there is a problem. It is always good to have an extra security team in your corner.
  16. [R14] Arkansas FCU Mobile Banking 5/5 · US Benton and Bryant branches: Greatest customer service I have ever had at a banking institution. Always pleasant, knowledgeable, professional. They make you feel at home when you walk in the door.
  17. [R16] Arkansas FCU Mobile Banking 1/5 · US Can’t get in contact: Can’t get the bank to answer been in que for hrs
  18. [R15] Arkansas FCU Mobile Banking 3/5 · US No Zelle: I need Zelle for this app
  19. [R18] Arkansas FCU Mobile Banking 3/5 · US AFCU: Can’t find the Zelle app on the new update and also it’s impossible to sort through transactions without have to scroll down the entire account.. should be able to sort by date
  20. [R63] BCU Mobile Banking 3/5 · US Depositing a Check is a JOKE: I’ve never had a more frustrating experience trying to scan a check. What a fluffing joke!
  21. [R70] BCU Mobile Banking 1/5 · US Needs update: Deposit anywhere does not work. I clearly updated both front and back of check and it was declined due to not having back of check. In the declination the back of the check was included! I will not be wasting time and checks with this app. It’s enough frustration this CU is mostly online.
  22. [R75] BCU Mobile Banking 3/5 · US Disappointing quality: I like BCU, but this app is a real letdown. The mobile deposit feature is borderline useless - glitchy interface, and whatever AI or algorithm they use is very inaccurate. The app will leave your location services in use for eternity until you manually close it. The credit card reward page makes you enter your account number manually and the app doesn’t let you go back to ac
  23. [R119] BCU Mobile Banking 4/5 · US Deposit Anywhere: Great app but I don’t have the option to deposit my paper check with the deposit anywhere feature. That option is not even visible on the app for me. It’s really challenging given they don’t have any branches near me
  24. [R72] BCU Mobile Banking 3/5 · US Battery hog: Constantly running in the background, and I even turned off background app refresh and it still ran for more than 19 hours in the background and drained 7% of my phone’s battery. Started doing this since iOS 26 so I had to delete. Hopefully they figured the problem.
  25. [R76] BCU Mobile Banking 2/5 · US BCU constantly pinging location: Anytime you open the Bcu app it remains in the background pinging the devices location. This happens with all my devices and friends devices as well. You can notice this because you will see the GPS icon in the iPhone island and it opens the Bcu app when you click it.
  26. [R92] BCU Mobile Banking 4/5 · US Good app: The app is very useful but I hate that it tracks my location even if I switch to other apps until I fully close this app.
  27. [R102] BCU Mobile Banking 3/5 · US App suddenly asking for always on location: I usually like the app but suddenly telling me to allow the app to always use location is just stupid. There is no legitimate need for that and it will use up battery. Please remove this reminder.

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