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

Central Bank vs ICCU Mobile Banking

Central Bank 4.9★ · Free to download 65
Winner ICCU Mobile Banking
ICCU Mobile Banking 4.9★ · Free to download 70

ICCU Mobile Banking has a slight edge due to its more consistent app performance and better customer service, despite both apps facing similar issues with glitches and mobile deposits.

Full reviews: Central Bank · ICCU Mobile Banking

Both Central Bank and ICCU Mobile Banking offer essential banking features, but users report frequent login issues, crashes, and slow mobile deposits for both. ICCU Mobile Banking appears to have a more reliable app experience and highly praised customer service, giving it a slight advantage.

Head to head

Ease of Use & Interface edge: ICCU Mobile BankingR4R8R10R13
Central Bank Central Bank receives mixed reviews on ease of use. Some users find the app simple and intuitive, praising its straightforward navigation and quick access to accounts R8R14. However, a significant number of users find the online banking difficult to use, with complaints about navigation, the old setup, and annoying login processes R4R10R13R21.
ICCU Mobile Banking ICCU Mobile Banking is generally described as easy and convenient to use, with users appreciating its intuitive design and quick access to accounts and transfers . Some users, however, find the transaction categorization cumbersome and wish for more intuitive features .
Reliability & Performance tieR18R25R28R34
Central Bank Central Bank's app suffers from significant reliability issues, with numerous reports of the app crashing, freezing on loading screens, and not allowing users to log in R18R25R28R34. Users also experience problems with notifications not working and online purchases taking days to show up .
ICCU Mobile Banking ICCU Mobile Banking also faces frequent reliability issues, including the app being slow, glitching, and not responding . Users report constant login problems, requiring re-verification or app reinstallation . Notifications are also inconsistent, often arriving days late .
Mobile Deposit Feature tieR3R7R15R19
Central Bank Mobile deposit is a major pain point for Central Bank users. Many complain about deposits taking too long to clear, sometimes a week, and the feature frequently not working or displaying errors R3R7R15R19.
ICCU Mobile Banking ICCU Mobile Banking's mobile deposit feature has also deteriorated with updates, becoming slower and prone to errors . Some users report issues with check deposits not going through, leading to overdraft fees .
Customer Service & Support edge: ICCU Mobile BankingR2R6R11R14
Central Bank Central Bank receives positive feedback for its in-person customer service, with employees described as great, friendly, helpful, and quick to assist R2R11R14R17. However, app support is noted as lacking, with users struggling to find ways to report issues within the app R6.
ICCU Mobile Banking ICCU Mobile Banking is highly praised for its excellent customer service, with staff described as friendly, helpful, supportive, knowledgeable, and going above and beyond R62R71R77. They are particularly noted for handling fraud situations effectively .
Features & Functionality tieR1R12R17R21
Central Bank Central Bank offers basic features like mobile deposit and mortgage tracking R17. However, users desire more detailed and up-to-date transaction information R12. There are also complaints about security features like the 'secret word' being annoying and problematic R21, and the Quick Look function not working . Some users also report issues with account verification R1.
ICCU Mobile Banking ICCU Mobile Banking allows users to see accounts, transfer money, start CDs, and create new accounts . However, it lacks a Zelle feature, which is a significant drawback for some . Users also report issues with linking external accounts and Plaid services . There are also complaints about scheduled maintenance occurring at inconvenient times .
Pick Central Bank if

Pick Central Bank if you prioritize strong in-person customer service at local branches and find their app's basic functionalities sufficient, despite potential frustrations with app reliability and mobile deposit speeds R2R14.

Pick ICCU Mobile Banking if

Pick ICCU Mobile Banking if you value excellent and supportive customer service, including effective fraud handling, and appreciate an app that is generally intuitive for basic banking tasks, even with occasional glitches and missing features like Zelle R71R77.

Evidence note: Both apps are free to download, so there is no free-vs-paid asymmetry. Both apps have similar lifetime ratings, but recent reviews for both indicate significant issues with app reliability and mobile deposit functionality, suggesting a decline in user satisfaction for the app experience.

Frequently asked

Do these apps have reliable mobile deposit?
No, both Central Bank and ICCU Mobile Banking apps have significant issues with mobile deposit functionality, with users reporting slow processing times, frequent errors, and checks not clearing promptly R3R7R15R19.
Are there frequent login issues with these banking apps?
Yes, both apps frequently experience login problems, with Central Bank users encountering verification issues, secret word requirements, and app crashes upon login R1R13R21R22, while ICCU Mobile Banking users report constant re-verification needs, system not responding errors, and the app signing them out daily .
Which app has better customer support?
ICCU Mobile Banking has better customer support, with numerous reviews praising their staff as friendly, helpful, knowledgeable, and effective in handling issues like fraud R62R71R77, whereas Central Bank's in-app support is noted as difficult to find R6.

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. [R4] Central Bank 1/5 · US Online banking is difficult to use: The online banking is very difficult to use. I would not recommend the online banking.
  2. [R8] Central Bank 5/5 · US App: Great app for a bank! Super simple
  3. [R10] Central Bank 1/5 · US Money Manager: Way too difficult to navigate. Miss the old setup!
  4. [R13] Central Bank 1/5 · US Ughhh: The login process for this app is so annoying
  5. [R18] Central Bank 3/5 · US App crashing: Latest update is causing the app to crash.
  6. [R25] Central Bank 1/5 · US App not working, please fix.: This app has naan stable and reliable for years. As of 2/4/24 when I fill out login information and hit done, it closes. That happens with fingerprint login too. Please fix!
  7. [R28] Central Bank 2/5 · US App: Trying to login to the app and it keeps booting me out. Tried deleting the app and reinstalling and still does the same thing. Tried rebooting my phone and that didn’t help. Finally had to just delete the app altogether and log on via internet safari
  8. [R34] Central Bank 1/5 · US App keeps crashing when loading.: Log into my account and the app page turns blank and crashes.
  9. [R3] Central Bank 3/5 · US Deposits: The speed of the deposits needs to be increased !!!!!
  10. [R7] Central Bank 2/5 · US New Account: The people were great, very nice facility. HOWEVER THEY PUT A WEEK HOLD on a local check for $100 that cleared the account before I woke up the following morning????
  11. [R15] Central Bank 3/5 · US Slow: Central bank has been around for a long time but it lives in the stone ages. The mobile deposit takes way too long to show up in the account. Most other banks allow it to show up right away.
  12. [R19] Central Bank 1/5 · US Way to slow: Take way to long to approve Mobile deposits
  13. [R2] Central Bank 5/5 · US Review: Been with them for years especially the Lawson branch great people work there
  14. [R6] Central Bank 3/5 · US No app support: I’ve been trying to figure out a way to report an issue within the app. I’ve tried for the last 30-45 minutes and still can’t find a way. The app tells me I’ve got duplicate charges from merchants I call the merchant to find out it’s false. Calling customer service for bank they tell me to make sure app is latest version. Now it says I’ve spent almost $900. At Dollar General. I che
  15. [R11] Central Bank 5/5 · US Respect: I love my local bank! Great service and the app is amazing. Thank you for all you do.
  16. [R14] Central Bank 5/5 · US Review: Cannot say in words how easy the app is to use. I love going into the bank as well the employees are always willing to help and you don’t have to wait, someone will help you extremely fast,we needed to get a paper notarized and we got in door walked to counter one of the cashier came very fast to help us, the girl came from behind counter and helped us with everything. The mobile app is
  17. [R1] Central Bank 1/5 · US We cannot verify your information against our records. Please update the information listed below: We cannot verify your information against our records. Please update the information listed below
  18. [R12] Central Bank 3/5 · US Transactions could be more detailed: This is the second account I have opened up. I have been with Community America for 15 years and I definitely prefer their app over this one. This app does not provide nearly as much detailed and up to date transaction information.
  19. [R17] Central Bank 5/5 · US Simple, works: It’s simple and it works. It has mobile deposit. I’ve used it for years and a few times I’ve had to call the bank. They were always very helpful.
  20. [R21] Central Bank 3/5 · US Missing secret word!: HATE the secret word requirement! The app works a few times then all of a sudden the secret word I have been forced to choose for my log in is no longer listed and I am either forced to log in on the website or to delete and redownload the app. This has happened over and over! Why!?
  21. [R22] Central Bank 1/5 · US Logging in errors.: Used to be able to log in with the app with no issues for several years now. These last several months (almost over a year now), whenever I get to the verify your identity section and enter the temporary code, I get an login error pop up as well as a notification that there was a successful login. I can log in if I uninstall and the reinstall the app, but only the first time.
  22. [R62] ICCU Mobile Banking 5/5 · US Been with them for years: So grateful for Iccu! They’ve been good with us for the 20 years we’ve been with them , even when there has been a few hiccups along the way but they’ve always been on top of things to help us out. We are loyal to them even when there have been a the few hiccups. Other places nickle and dime ya. But have never felt that way with Iccu.
  23. [R71] ICCU Mobile Banking 5/5 · US Raul: Raul went above and beyond and used creative out of the box thinking to help me. It’s how I hope someone would treat my son if he needed help. It’s how I would have treated someone. You just don’t find that much anymore.
  24. [R77] ICCU Mobile Banking 5/5 · US Great bank: Great bank, with great staff.

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