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

Worth Credit Union Mobile App vs SAFE Federal Credit Union

Worth Credit Union Mobile App 4.8★ · Free to download 45
Winner SAFE Federal Credit Union
SAFE Federal Credit Union 4.8★ · Free to download 55

Both apps suffer from significant recent usability and reliability issues, but SAFE Federal Credit Union appears to have a slight edge due to more positive feedback on core banking functions like transfers, despite its own flaws.

Full reviews: Worth Credit Union Mobile App · SAFE Federal Credit Union

Worth Credit Union Mobile App and SAFE Federal Credit Union both face user frustration over recent app updates, leading to crashes, login problems, and missing features. While Worth struggles with mobile check deposits and the absence of Zelle, SAFE users report issues with bill pay and account access after updates.

Head to head

Features tieR1R6R8R12
Worth Credit Union Mobile App Worth Credit Union Mobile App users frequently request the addition of Zelle for easier money transfers, with many stating its absence is a reason to consider switching banks R1R6R8R19. Users also report difficulty with mobile check deposits, citing issues with image recognition and rejected deposits R18R21R22R24. Some also note the disappearance of the iPhone widget after updates R12.
SAFE Federal Credit Union SAFE Federal Credit Union users express dissatisfaction with the new Bill Pay system, finding it antiquated, difficult to use, and prone to sending back checks . Some users also miss the ability to deposit checks via image and report that external transfer features are either missing from the app or not working on the website . However, some appreciate the updated balance and external transfer features .
Ease of Use tieR7R9R11R13
Worth Credit Union Mobile App Many Worth Credit Union Mobile App users find the app's new interface confusing and a regression from previous versions, citing issues like small text, unclear pending sections, and a multi-step login process for Face ID R7R9R13R16. Some users, however, find the app simple and easy to use, especially for bill pay and transfers R11.
SAFE Federal Credit Union SAFE Federal Credit Union users frequently describe the updated app as difficult to set up and navigate, requiring too many steps for basic functions . Issues with Touch ID functionality are also reported . Despite this, some users praise the app for its ease of use and convenience for transfers .
Reliability tieR4R10R15R16
Worth Credit Union Mobile App Worth Credit Union Mobile App users report frequent crashes, technical problems, and inability to log in or view account balances, sometimes for hours or days R4R10R15R16. This unreliability often prevents users from accessing their funds or making payments .
SAFE Federal Credit Union SAFE Federal Credit Union users also experience significant reliability issues, including the app being slow, crashing repeatedly, or not opening at all . Many users report being unable to log in or access their accounts for weeks after updates . There are also complaints about delayed direct deposits and transactions R103.
Price/Value edge: Worth Credit Union Mobile AppR35R67R103
Worth Credit Union Mobile App Worth Credit Union Mobile App users mention issues with slow check deposit processing times, sometimes taking half a day or longer for funds to show up, which can be inconvenient for those who deposit checks daily R35.
SAFE Federal Credit Union SAFE Federal Credit Union users report being charged a $10 fee for every payment, which is a significant concern for some R67. There are also complaints about transactions being delayed, potentially leading to extra charges R103.
Customer Support edge: SAFE Federal Credit UnionR5R14R17R26
Worth Credit Union Mobile App Worth Credit Union Mobile App users have mixed experiences with customer service; some praise the helpfulness and responsiveness of staff R5R14R17, while others report difficulty reaching a person by phone, especially after business hours R26. One user had to call customer service repeatedly to be talked through making a car payment .
SAFE Federal Credit Union SAFE Federal Credit Union users generally commend the staff for being professional, courteous, and helpful, especially in situations like recovering phished money . However, some report issues with not receiving a PIN for a new debit card and being unable to access telebank options , or not receiving responses to emails .
Pick Worth Credit Union Mobile App if

You prioritize a credit union with a strong reputation for personal customer service and are willing to overlook app reliability issues and the lack of Zelle R5R14R17.

Pick SAFE Federal Credit Union if

You need a banking app that generally handles transfers well and offers good customer support for complex issues, even if recent updates have introduced significant login and bill pay frustrations .

Evidence note: Both apps have a high lifetime rating, but recent reviews for both are heavily skewed negative, indicating significant issues with recent updates. The free-to-download nature means users are not paying for the app itself, but for banking services, so negative feedback is directly related to the utility of the app for managing those services.

Frequently asked

Do these apps support Zelle for transfers?
Worth Credit Union Mobile App does not offer Zelle, which is a significant point of frustration for many users who wish to transfer money easily to external accounts R1R6R8R19. SAFE Federal Credit Union reviews do not explicitly mention Zelle, but some users praise its external transfer features .
Are there issues with mobile check deposits?
Worth Credit Union Mobile App users report consistent difficulties with mobile check deposits, citing problems with image recognition, frequent rejections, and slow processing times R18R21R22R24. For SAFE Federal Credit Union, at least one user noted the absence of an image deposit feature .
How reliable are these apps for daily banking?
Both apps have significant reliability problems, with Worth Credit Union Mobile App users reporting frequent crashes, login issues, and inability to view balances R4R10R15R16, while SAFE Federal Credit Union users also experience the app being slow, crashing, or not allowing access to accounts for extended periods after updates .

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] Worth Credit Union Mobile App 1/5 · US No Zelle option: I’ll be closing my account here and moving to another bank that offers Zelle as soon as my home loan is closed on. Ridiculous that they refuse to offer it.
  2. [R6] Worth Credit Union Mobile App 3/5 · US More options: I would like to have Zelle as an option that will make me use this account more and take my money out of other banks and put it into this bank account
  3. [R8] Worth Credit Union Mobile App 5/5 · US Need Zelle: I need more options to get money access
  4. [R12] Worth Credit Union Mobile App 3/5 · US iPhone widget gone: What happened to the iPhone Widget? It disappeared after IOS18. Please restore the widget.
  5. [R7] Worth Credit Union Mobile App 1/5 · US New website and app updates - AWEFUL!: Have been a member for years. Use app and online extensively for personal use and clients. FTWCCU’s newly revised website and app updates are awful, a total regression from previous. Will be exploring other banking option. Totally dissatisfied.
  6. [R9] Worth Credit Union Mobile App 3/5 · US New Interface: Why in the heckle-schmeckle did you redesign the whole app?! To use face-id to login now takes 3 buttons as opposed to the previous automatic login. The transaction details when you click on your checking account is all grey. Why would you remove the dedicated pending section and make it look exactly like the posted section without an obvious header? The text is unreasonably small f
  7. [R11] Worth Credit Union Mobile App 5/5 · US Review: This app is the bees knees. It’s amazingly simple to use. Makes banking enjoyable.
  8. [R13] Worth Credit Union Mobile App 2/5 · US Improved until it’s awful: Another example of app writers sitting around bored to tears so they “improve” an app that worked fine and in the process, ruin it. The old version worked fine, it didn’t need “improvements” but that never stops the bored programmers.
  9. [R4] Worth Credit Union Mobile App 1/5 · US Crashes or has technical problems everyday: This app is atrocious, the app constantly crashes and has technical issues to where I cannot check my balance. I’ll move banks because of this
  10. [R10] Worth Credit Union Mobile App 2/5 · US Latest update is tooooo glitchy: Please go back in to your UI and fix it. There is a serious bug that causes the app to outright crash. Yall did not need to update the UI…it was fine. The app now is constantly crashing and not allowing me to log in when needed. This is not ok.
  11. [R15] Worth Credit Union Mobile App 3/5 · US Don’t believe the rating: This app is pretty bad it hardly ever works when I need it to work
  12. [R16] Worth Credit Union Mobile App 1/5 · US Something went terribly wrong: Not sure what they are doing to this app and their online presence, but they have made this the worst banking app I use to date. Slow, unable to find my accounts, does not show my balances, and the new interface looks like a horror story from the twilight zone. This isn’t a two step, this was a leap backwards.
  13. [R35] Worth Credit Union Mobile App 5/5 · US Not real happy with this bank: I recently switched to this bank for convenience since my vehicle payment is here. I was with my previous bank 13 years I guess I’m used to a certain standard. As I am a hairstylist I deposit checks daily and it takes a half a day or longer most times for my deposit to show up. I deposited a check on Sunday evening and it is now 9:30 in the morning it is still not sh
  14. [R67] SAFE Federal Credit Union 1/5 · US $10 fee every transaction?????: Shame that I chose to bank with you guys because of best rate but then charge $10 fee for every payment??????
  15. [R103] SAFE Federal Credit Union 4/5 · US Would be great but: The transaction timing is horrible it seems to delay the amount of payments given out to the vendors or what have you call them. And it just seems that you may a little extra charges even though the clerks over the phone claim you don’t. It’s very frustrating when it seems you have an amount of money that you don’t have and it’s very frustrating when you are trying hard to accu
  16. [R5] Worth Credit Union Mobile App 5/5 · US We don’t even live in Fort Worth anymore!: We’ve been so blessed to have such a wonderful experience with Lisa Barrientes. She has supported us through every high and low in our financial journey, always going above and beyond. She’s truly the reason FWCCU is still our home bank, even though we have lived 4 hours away for the past 10 years. Thank you, Lisa, you are top notch!
  17. [R14] Worth Credit Union Mobile App 5/5 · US Satisfied: I been with FWCCU for quite sometime and I really enjoy my daily experience with the bank. If I ever have any questions their always answered by a great customer service. My bank app as well works very well. Thanks for y’all support in keeping me and my family happy 👍
  18. [R17] Worth Credit Union Mobile App 5/5 · US Works everytime: So glad this app works and that there is someone available to help when needed.
  19. [R26] Worth Credit Union Mobile App 4/5 · US Difficulty in reaching a person at the bank: 2 weeks ago I tried to call the FWCCU to talk about my account around 4:30 pm. I couldn’t reach anyone. It seems like everyone goes home earlier now.
  20. [R19] Worth Credit Union Mobile App 1/5 · US Inconvenient: Too many times, has the app been down. The credit union isn’t even on Zelle, the bank app doesn’t allow me to easily transfer money to other accounts (spouses account, or someone outside of credit union). Not pleased with the services and will be closing it soon.
  21. [R18] Worth Credit Union Mobile App 3/5 · US Using the app it is ridiculously difficult to make a mobile deposit: Using the app it is ridiculously difficult to make a mobile deposit using this app. I have never successfully been able to do it. It makes me take photos over and over and over and over and over and rejects the images no matter how many times I adjust the camera, lighting, framing, you name it. The ONE time it was a successful ph
  22. [R21] Worth Credit Union Mobile App 3/5 · US Image difficulty with mobile check deposit: I had issues getting it to take pictures of my checks for mobile deposit had to fold the checks into smaller checks in order to get the capture recognition in order to deposit
  23. [R22] Worth Credit Union Mobile App 2/5 · US Mobile deposit feature bad: This new version of your mobile deposit is terrible. Absolutely terrible. Your imaging system is terrible and it makes you think your deposit is good by telling you it’s good. Then it’s held for review for literally a day and then cancels the transaction because your system said the deposit looked good. Sheesh this is not good when you can’t make it to the bank and we a
  24. [R24] Worth Credit Union Mobile App 3/5 · US Don’t love nor hate.: I wish they would fix depositing checks through the app! It’s terrible!!!

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