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

Arkansas FCU Mobile Banking vs Shell FCU Mobile

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

Shell FCU Mobile has a slight edge due to its generally more stable performance and better customer service, despite both apps facing issues with recent updates and Zelle functionality.

Full reviews: Arkansas FCU Mobile Banking · Shell FCU Mobile

Both Arkansas FCU Mobile Banking and Shell FCU Mobile are free apps with high lifetime ratings, but recent updates have introduced significant usability and reliability issues for both. Shell FCU Mobile appears to have a more responsive customer service and a slightly more user-friendly interface overall, despite its own set of problems.

Head to head

Features tieR6R13R15R18
Arkansas FCU Mobile Banking Arkansas FCU Mobile Banking users appreciate being able to see all accounts, both internal and external, in one convenient app . However, a significant number of users report issues with Zelle functionality, with some stating it's missing or not working after updates R6R15R18. Mobile check deposit also seems problematic for some R13.
Shell FCU Mobile Shell FCU Mobile users value the ability to see accounts and perform necessary tasks easily . However, a major recurring complaint is the lack of, or broken, Zelle functionality R63. Mobile deposit also has issues, with users reporting the screen going black or checks not being accepted R73R78. Some users also note difficulty adding cards to Apple Pay and inability to download statements .
Ease of Use tieR4R5R10R12
Arkansas FCU Mobile Banking Many Arkansas FCU Mobile Banking users find the app easy to use and navigate R5R12. However, others describe it as difficult, not user-friendly, and poorly designed . Specific complaints include poor text visibility, non-scalable screens R4, issues with landscape mode R10, and difficulty linking external accounts .
Shell FCU Mobile Shell FCU Mobile users generally find the app easy to navigate and use . However, a significant number of recent reviews highlight the app as slow, unresponsive, and difficult to log into . Some users also report issues with a persistent 'chat' button covering important information .
Reliability tieR1R3R6R7
Arkansas FCU Mobile Banking Arkansas FCU Mobile Banking receives mixed reviews on reliability. Some users praise its stability and consistent performance . However, many recent reviews indicate significant reliability issues, including accounts being locked R1R6, the app signing users out frequently R7R22R24, Face ID not working R24, and general functionality breaking after updates R3R13R22. The app is also reported to crash and not save banking data R19.
Shell FCU Mobile Shell FCU Mobile also has mixed reliability. While some users find it reliable , a large number of recent complaints point to the app being unresponsive, slow, freezing at the logo screen, and not allowing login after updates . Users also report transactions taking days to show up .
Price/Value tieR19R37R44R100
Arkansas FCU Mobile Banking Arkansas FCU Mobile Banking is free to download. Users appreciate the convenience it offers for managing their finances R37R44. Some users mention being charged a $7.50 service fee for paying a loan over the phone when the app fails R19.
Shell FCU Mobile Shell FCU Mobile is free to download. Users value the convenience of managing funds and tracking budgets R100. However, one user reports being hit with multiple $25 overdraft fees for low balances .
Support edge: Shell FCU MobileR2R8R14R16
Arkansas FCU Mobile Banking Arkansas FCU Mobile Banking users praise the excellent customer service from the credit union staff, describing them as friendly, knowledgeable, and helpful R2R8R14. However, some users report difficulty getting in contact with the bank, being in long queues, or not receiving callbacks R16.
Shell FCU Mobile Shell FCU Mobile users consistently highlight outstanding customer service from the credit union staff, noting their politeness, helpfulness, and professionalism . Users also appreciate getting a live person in a timely manner when calling . The chatbot, however, is described as unhelpful for complex questions R100.
Pick Arkansas FCU Mobile Banking if

You are an existing Arkansas Federal Credit Union member who values a simple app for basic banking and has experienced good in-person or phone support from the credit union R5R14.

Pick Shell FCU Mobile if

You are a Shell Federal Credit Union member who prioritizes excellent customer service and a generally easy-to-navigate app, even if it has occasional performance issues .

Evidence note: Both apps have high lifetime ratings, but a significant portion of recent reviews for both are negative, highlighting issues that appear to stem from recent updates. This creates an asymmetry where older, positive reviews contribute to high lifetime scores, but current user experience is often frustrating. The free nature of both apps means there's no free-vs-paid asymmetry to consider.

Frequently asked

Do these apps support Zelle?
Both Arkansas FCU Mobile Banking and Shell FCU Mobile have significant, recurring issues with Zelle functionality, with many users reporting it is missing, broken, or difficult to use after recent updates R6R15R18R63.
Are there login issues with these apps?
Yes, both apps have reported login issues; Arkansas FCU Mobile Banking users frequently experience being signed out, Face ID not working, and constant password changes R7R22R24R34, while Shell FCU Mobile users report the app freezing at the logo, saying 'Coning Soon', or being generally slow to log in .
How is mobile check deposit functionality?
Mobile check deposit is problematic for both apps; Arkansas FCU Mobile Banking users report the app failing to read checks with 'LAR missing' errors R13, and Shell FCU Mobile users experience the screen going black or checks not being accepted for deposit R73R78.

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. [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
  2. [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!
  3. [R15] Arkansas FCU Mobile Banking 3/5 · US No Zelle: I need Zelle for this app
  4. [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
  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. [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.
  10. [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?
  11. [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.
  12. [R19] Arkansas FCU Mobile Banking 2/5 · US App doesn’t save bank data: Saved my banking information 3!times on app and every month I have to add it back just to pay my truck payment. Can never get anyone to help me and tell me why it al aye dissappears. If it doesn’t add then I have to call number and pay over phone and get charged a 7.50 service fee.! That is so wrong because it cost me money that pay a loan!!!!
  13. [R37] Arkansas FCU Mobile Banking 5/5 · US Retired: It’s so very convenient! You just can’t beat the interest!
  14. [R44] Arkansas FCU Mobile Banking 5/5 · US Convenient: My mobile banking has really been a game changer for me. Not sure why haven’t always downloaded the app. Very convenient.
  15. [R100] Shell FCU Mobile 4/5 · US It’s really nice: The convenience is highly appreciated. Moving funds is easy and intuitive. Makes budgets easy to follow and track. However asking the chatbot to help with issues might, as well be talking to a wall. Not sure if it’s just keywords it struggles with or what but man unless your question is super basic better talking to a rep. Love it 9 out of ten.
  16. [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…
  17. [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.
  18. [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.
  19. [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
  20. [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
  21. [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.
  22. [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.
  23. [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.
  24. [R73] Shell FCU Mobile 1/5 · US Mobile deposit feature: Mobile deposit not working screen goes black when trying to take picture of the check
  25. [R78] Shell FCU Mobile 3/5 · US Mobile deposit needs some work: Since the revamp of the app, the mobile deposit feature has really lacked. I’m not sure how much clearer I need to write the words ‘For Mobile Deposit Only’ for a deposit to be accepted. Especially in the covid times, it’s important to myself to deposit checks via mobile app. And I simply cannot get this done. Otherwise the app is great.

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