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

Apple Federal Credit Union vs Bank of America Mobile Banking

Apple Federal Credit Union 4.9★ · Free to download 55
Winner Bank of America Mobile Banking
Bank of America Mobile Banking 4.8★ · Free to download 65

Bank of America Mobile Banking has a slight edge due to its broader feature set and generally more reliable performance, despite recent issues, while Apple Federal Credit Union's app struggles with fundamental functionality.

Full reviews: Apple Federal Credit Union · Bank of America Mobile Banking

Bank of America Mobile Banking offers a more comprehensive banking experience with various features, though it has faced recent complaints about app stability and outdated design. Apple Federal Credit Union's app is plagued by frequent crashes, login issues, and poor mobile deposit functionality, making it less reliable for daily banking needs.

Head to head

Features edge: Bank of America Mobile BankingR9R16R20R55
Apple Federal Credit Union Apple Federal Credit Union's app is criticized for feeling 'behind the times' and lacking modern features, with users noting difficulty with Zelle integration and the absence of a total balance view for all accounts R9R20R55. Some users also find the app's interface hard to navigate R16.
Bank of America Mobile Banking Bank of America Mobile Banking offers a wide array of features, with some users praising its comprehensiveness and decent chatbot . However, it is criticized for missing critical functions like initiating outbound ACH transfers R64R72 and having a clunky process for paying credit cards .
Ease of Use tieR3R4R16R70
Apple Federal Credit Union Many Apple Federal Credit Union users find the app difficult to navigate and report issues with the interface, stating that 'nothing is where it should be' R4R16. The app is also described as slow, requiring multiple refreshes to work correctly R3.
Bank of America Mobile Banking Bank of America Mobile Banking receives mixed reviews regarding ease of use. Some users find it easy and dependable , while others describe it as 'clunky,' 'slow,' and a 'nightmare' to navigate, especially after recent updates R70.
Reliability tieR1R12R13R15
Apple Federal Credit Union Apple Federal Credit Union's app is frequently criticized for being unreliable, with reports of crashing nonstop, failing to open, and getting stuck on white or black screens R1R13R15. Mobile deposit is a particular pain point, with users experiencing 'photo errors' and crashes R12R26R32R54. Login issues, including not saving info and Face ID/fingerprint problems, are also common R13.
Bank of America Mobile Banking Bank of America Mobile Banking has recent significant reliability issues, with many users reporting blank or white screens after logging in R67R73. Face ID often breaks, requiring frequent re-enrollment or password resets R63. Some users also report issues with alerts not loading within the app .
Price/Value edge: Apple Federal Credit UnionR5R8R14R17
Apple Federal Credit Union Both apps are free to download, and users of Apple Federal Credit Union generally express satisfaction with the overall banking experience, citing good service and trustworthiness R5R8R14R17.
Bank of America Mobile Banking Bank of America Mobile Banking is free to download. While some users praise it as a 'solid bank, solid app' , others express frustration with the bank's services, including account closures and poor customer support, which impacts the perceived value .
Support edge: Apple Federal Credit UnionR2R6R8R10
Apple Federal Credit Union Apple Federal Credit Union receives positive feedback for its in-person customer service, with users praising the helpfulness and professionalism of staff R2R8. However, the app's support for issues like Zelle and transaction disputes is criticized, with reports of long phone wait times and inconvenient processes R6R10.
Bank of America Mobile Banking Bank of America's customer support, particularly the chat function, is described as 'horrendous' and 'useless' . Users report being bounced between online and branch support without resolution for critical issues like locked accounts . There are also complaints about slow processing of purchases and a lack of real-time transaction alerts compared to other banks .
Pick Apple Federal Credit Union if

You prioritize strong in-person customer service and are willing to tolerate a less functional mobile app, or if you primarily use the app for basic viewing of your accounts R2R8.

Pick Bank of America Mobile Banking if

You need a banking app with a broader range of features, even if some are clunky or currently experiencing bugs, and you value a more established bank with a larger digital platform .

Evidence note: Recent reviews for both apps show a negative skew, particularly concerning app functionality and reliability, which contrasts with their higher lifetime ratings. Many positive reviews for Apple Federal Credit Union refer to the credit union's service rather than the app itself. Bank of America's reviews highlight significant recent technical issues.

Frequently asked

Does Apple Federal Credit Union's app support mobile check deposits?
Apple Federal Credit Union's app does support mobile check deposits, but many users report significant issues with this feature, including 'photo errors' and app crashes when attempting to submit checks R12R26R32R54.
Are there login issues with the Bank of America Mobile Banking app?
Yes, many users of the Bank of America Mobile Banking app report frequent login issues, including blank screens after logging in, Face ID consistently breaking and requiring re-enrollment, and being forced to reset passwords R63R67R73R79.
Is the Apple Federal Credit Union app slow?
Yes, users describe the Apple Federal Credit Union app as slow, often requiring multiple refreshes to function correctly and experiencing lag R3R20.
Does Bank of America's app allow outbound ACH transfers?
No, the Bank of America Mobile Banking app does not support initiating outbound ACH transfers to external accounts; users must use the website for this functionality R64R72.

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. [R9] Apple Federal Credit Union 3/5 · US Modernize: This app could be 100% much better than what it currently is. To me this app feels behind the times. It seems like this app would have been just OK the way it is now about 5 years ago. Come on APPLE FCU let's catch up please!
  2. [R16] Apple Federal Credit Union 2/5 · US App interface: This app interface is too hard to navigate and some I can not even look at it. Previous versions was perfect.
  3. [R20] Apple Federal Credit Union 1/5 · US It’s 2025: Honestly don’t know how I’ve survived so many years using this bank. It’s always had its flaws and honestly very few benefits to youth whom are related to educators which is a major part of the business model. It used to be better but the technology hasn’t been kept up, think poor UI/UX design, lag, difficulty with navigation etc. Biggest issue now is that although the website has instr
  4. [R55] Apple Federal Credit Union 4/5 · US One thing Lacking: The app is very good but I want the app to show a total of all my accounts.
  5. [R3] Apple Federal Credit Union 3/5 · US Review about the App: It is a little slow and take a couple refreshes so work correctly but over all not bad but could use some work to run smoothly
  6. [R4] Apple Federal Credit Union 1/5 · US Awful: I’d rather roll naked through a pile of broken glass than have to use this app. My god. Half the time it doesn’t load and the other half you go into the wrong area because nothing is where it should be. I’ve used Key bank for most of my life and their app is made by competent people. Maybe try that.
  7. [R70] Bank of America Mobile Banking 2/5 · US Slow and Outdated: Where do I begin? I’m amazing a Big 3 bank in America has this bad of a digital platform. The latest update is so slow and needs to spin a wheel and think with each movement between accounts. What is going on??? Also, the MFA is terrible. I want MFA on for security but it doesn’t need to send me a text to my same phone I’ve had for 2 years every time I login. Fix this piece
  8. [R1] Apple Federal Credit Union 1/5 · US Too Many Faults: For 2 weeks it has been failing a lot! It doesn’t open the application and I’ve already had to uninstall it several times. This is unfortunate. 06/20/2026
  9. [R12] Apple Federal Credit Union 3/5 · US Mobile deposit: The mobile deposit feature is bad. Every time I try to us this function I have nothing but “photo errors”. I go to my other bank app and it all works flawlessly. PLEASE FIX THIS
  10. [R13] Apple Federal Credit Union 1/5 · US Crashing nonstop: Keeps singing me out and not saving log in info. This app is garbage ! It crashes every 5 MINUTES! FIX THE APP
  11. [R15] Apple Federal Credit Union 3/5 · US App is not closing out correctly: You may want to send out an app update. After logging off the app is stilling open and then going all black. Never had this issue before.
  12. [R5] Apple Federal Credit Union 5/5 · US Only at Apple…!: Has been my bank for years and NOT once has failed me as a customer. #1bank..!
  13. [R8] Apple Federal Credit Union 5/5 · US Growth over a decade: . Since 2015. I’ve seen the growth and development of AFCU and I am proud to be a member. I am grateful to the entire team for prompt service/ professional feedback/ detailed Information over the years when my financial concerns and ideas were shared. I can’t complain. Good business.
  14. [R14] Apple Federal Credit Union 5/5 · US My trusted bank: My bank and application are trustworthy, I have about 4 or 5 years of continuing with Apple FCU and I even moved state and I'm not going to change them for another. Those looking for a bank recommend Apple FCU. Where your assets and liabilities are safe.
  15. [R17] Apple Federal Credit Union 5/5 · US The best bank: It is the best bank I have ever had, there isn't one that compares to it.
  16. [R2] Apple Federal Credit Union 5/5 · US Great Service: Always a pleasure to deal with the young people that serve me. Particularly Jurgen.
  17. [R6] Apple Federal Credit Union 3/5 · US My low reviews on Apple FCU:: Hello there, just the other day someone sent me money through Zelle & have yet to see it in my account‼️ WHY?
  18. [R10] Apple Federal Credit Union 1/5 · US Terrible bank: This bank is literally the worst and has failed me time and time again. They have terrible service, long phone wait times, a terrible app that barely works, and such limited services. Jsut recently they canceled a credit card I was using abroad without my consent and refused to make it work again even after calling several times. They also barely work with Zelle. I genuinely hate th
  19. [R26] Apple Federal Credit Union 1/5 · US Mobil deposit Issue: The app glitches and crashes when I try to make a mobile deposit when I get ready to hit submit after taking photos of my check.
  20. [R32] Apple Federal Credit Union 1/5 · US Crashes when depositing: I can not deposit without this app crashing multiple times when i deposit checks…
  21. [R54] Apple Federal Credit Union 1/5 · US This app doesn't work well: It's a pain in the neck every time I have to make a mobile deposit. It always says it's a problem with the cropping of the picture of the check. If I could give zero stars, I would. No other app does that. I don't recommend this app.
  22. [R63] Bank of America Mobile Banking 3/5 · US PITA: Every update messes up my app, now it won’t let me use FaceID and keeps trying to have me reset my password. It’s a hassle every time I try and open it.
  23. [R67] Bank of America Mobile Banking 1/5 · US Blank screen at login: App totally broken. Blank screen after login.
  24. [R73] Bank of America Mobile Banking 1/5 · US Won’t load: Tired logging in to check my balance and complete white screen every time! Kept restarting the app and still shows white screen after login
  25. [R79] Bank of America Mobile Banking 1/5 · US Can’t sign in: Ever since the last update, I cannot sign into the app
  26. [R64] Bank of America Mobile Banking 2/5 · US Missing Critical Functions: There is no option to initiate ACH transactions (both deposits and withdrawals) in this mobile app.
  27. [R72] Bank of America Mobile Banking 3/5 · US Does not support outbound ACH transfer: The mobile app only supports inbound ACH transfer for linked external accounts but does not support outbound ACH transfer. Have to use the website interface to perform outbound transfer or use the app of the receiving bank. This omission is unthinkable and seems to be unique to BofA among major banks.

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