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

5Point Credit Union vs Redstone Federal Credit Union

5Point Credit Union 4.8★ · Free to download 75
Winner 5Point Credit Union
Redstone Federal Credit Union 4.8★ · Free to download 60

For a more reliable and user-friendly experience, 5Point Credit Union's app has a slight edge over Redstone Federal Credit Union, particularly regarding mobile check deposits and overall app stability.

Full reviews: 5Point Credit Union · Redstone Federal Credit Union

Both 5Point Credit Union and Redstone Federal Credit Union offer free banking apps with high lifetime ratings. However, recent reviews indicate that 5Point's app is generally more stable and efficient, especially for mobile check deposits, while Redstone's app faces more frequent complaints about glitches, slow performance, and frustrating mobile deposit issues.

Head to head

Features edge: 5Point Credit UnionR18R19R24R30
5Point Credit Union 5Point Credit Union's app offers essential banking features like checking balances, transferring money, and bill pay, with many users finding it comprehensive and convenient R45. Mobile check deposit is a highly valued feature, though some users report occasional issues with it R19R24. Some users wish for additional features like seeing linked accounts with custom names, editing scheduled bill payments, or Zelle Pay integration R18R30.
Redstone Federal Credit Union Redstone Federal Credit Union's app provides core functionalities such as checking balances, moving money, and bill pay . However, users frequently complain about the mobile check deposit feature being difficult and slow . There are also requests for features like 'buckets' for saving goals, dark mode, and improved credit card bill payment options . Some users also report issues with accessing bank statements and correspondence within the app .
Ease of Use edge: 5Point Credit UnionR1R2R4R14
5Point Credit Union Many 5Point Credit Union users describe the app as easy to navigate, user-friendly, and straightforward R2R14. However, some recent reviews mention an 'awful design' and a 'messy app' after an update, making it difficult to fine-tune preferences R1. There are also reports of bill pay being slow to load R4.
Redstone Federal Credit Union Redstone Federal Credit Union users have mixed opinions on ease of use. While some find it easy and user-friendly , many recent reviews criticize the new update and layout as not user-friendly, outdated, and adding complexity R64R78. Specific complaints include difficulty finding bill pay and a multi-step sign-off process .
Reliability edge: 5Point Credit UnionR7R9R10R12
5Point Credit Union 5Point Credit Union's app generally receives positive feedback for reliability, with many users stating they have no issues R45. However, some users report frequent application errors, the app not opening, login problems, and slowness R7R12. Mobile check deposits are a particular pain point for some, with checks not showing up or the feature cutting off/refusing pictures R9R10R19R24.
Redstone Federal Credit Union Redstone Federal Credit Union's app faces significant reliability issues. Users frequently report the app not opening, requiring reinstallation . It is often described as slow . The mobile check deposit feature is a major source of frustration, with complaints about it being the 'worst' and taking an excessive amount of time, sometimes not going through, and checks being held for review . There are also reports of transfers being broken or accounts not appearing for transfers .
Price/Value edge: 5Point Credit UnionR25R42R45R46
5Point Credit Union Both apps are free to download. 5Point Credit Union users highlight the convenience and time-saving aspects of the app, making banking easier and more accessible R25R42. The ability to manage accounts, pay bills, and deposit checks from a phone is seen as valuable R45R46.
Redstone Federal Credit Union Redstone Federal Credit Union's app is also free to download. Users appreciate the convenience of managing accounts and tracking finances . However, some users express dissatisfaction with the bank's policies regarding fees and holds on mobile deposits, which can diminish the perceived value . There are also complaints about unfulfilled promotional offers .
Support edge: 5Point Credit UnionR10R22R31R32
5Point Credit Union 5Point Credit Union generally receives high praise for its customer service and staff, with users describing them as kind, accommodating, friendly, helpful, and amazing R10R31R32. However, one user reported that customer service couldn't fix their check deposit glitch R10, and another felt the person they spoke to did not understand their issue with check history R22.
Redstone Federal Credit Union Redstone Federal Credit Union's support receives mixed reviews. Some users appreciate that staff are willing to help with issues . However, there are complaints about the bank's fraud department being overly aggressive, blocking online transactions, and locking cards R64. Users also report issues with IT agents not providing solutions for accessing bank statements and unfulfilled promotional promises .
Pick 5Point Credit Union if

You prioritize a generally smoother and more reliable app experience, especially for mobile check deposits, and value strong customer service from your credit union R45.

Pick Redstone Federal Credit Union if

You are already a long-standing member of Redstone Federal Credit Union and are willing to tolerate occasional app glitches and frustrations with mobile deposits for the convenience of managing your existing accounts .

Evidence note: Both apps have high lifetime ratings, but recent reviews for Redstone Federal Credit Union show a higher concentration of negative feedback regarding app performance, mobile deposits, and customer service issues compared to 5Point Credit Union.

Frequently asked

Which app is better for mobile check deposits?
5Point Credit Union's app is generally better for mobile check deposits, with many users finding it easy and convenient . In contrast, Redstone Federal Credit Union's app receives frequent complaints about its check deposit feature being difficult, slow, and unreliable, often holding checks for review or failing to process them .
Do these apps have issues with updates?
Yes, both apps have experienced issues with updates. 5Point Credit Union users reported an 'awful design' and a 'messy app' after an update R1, and slowness in bill pay R4. Redstone Federal Credit Union users frequently criticize new updates for making the app less user-friendly, outdated, slow, and causing functionality issues like broken transfers R64R78.
Are there any specific feature requests from users?
Yes, users of 5Point Credit Union's app wish for features like an updated widget to see balances R6, the ability to edit bill payments instead of just canceling R30, custom names for linked accounts R18, fingerprint login R21, and Zelle Pay options . Redstone Federal Credit Union users have requested dark mode , 'buckets' for saving goals , and improved credit card bill payment options beyond just the minimum amount .

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. [R18] 5Point Credit Union 3/5 · US Could use some tweaks: Overall it does the main thing: access to your accounts and mobile deposits. But it would be AMAZING if I could see linked accounts with the names they're given by the account holder. Instead of "money market", the default, the account holder specified that account as "baby supplies". I would love to see the latter title rather than have to try to remember which account is w
  2. [R19] 5Point Credit Union 2/5 · US Decent app with terrible mobile deposits: This app worked perfectly fine for balance checking and balance transfers. When they announced a mobile deposit function I got pretty stoked as I live pretty far away from any branches. Sadly, this portion of the app is terrible. After trying with several different checks I finally gave up. Potential for great mobile banking but it falls short.
  3. [R24] 5Point Credit Union 3/5 · US App: I love having the convenience but it doesn't always work when I need to deposit a check. It cuts off or refuses the pics sometimes.
  4. [R30] 5Point Credit Union 3/5 · US Could be better: It is ok, but I really liked when you could edit your bill payments, not just cancel it.
  5. [R1] 5Point Credit Union 2/5 · US Awful Design: I had the website bookmarked on my phone & computer forever. I wish I hadn’t removed it for this app. This is a total mess. Every time I make a change & then go back to fine-tune it, I get an error message. It doesn’t matter what the change is - account preferences, display preferences, etc. I tried adding the bookmark back but it looks different now. I really hate this messy app!
  6. [R2] 5Point Credit Union 5/5 · US Perfecto: I love this easy
  7. [R4] 5Point Credit Union 1/5 · US Bill Pay is so slooooooow to load in app: I’ve been a member of 5 Point for 20+ years and a user of the app as soon as it came online. There must have been an update or change to a different OLB platform because Bill Pay used to be quickly responsive, but now it takes a very long time to load in app. Annoying for the individual who counts on the convenience of OLB to manage banking tasks quickly.
  8. [R14] 5Point Credit Union 5/5 · US Gold star for 5 point: 5Point is wonderful! The app is easy to navigate. I wish they had a virtual teller.
  9. [R7] 5Point Credit Union 1/5 · US The app will not open and I can not check my accounts: IPhone pro 13 App won't open
  10. [R9] 5Point Credit Union 3/5 · US Check depositing: Since the app has been updated everytime I deposit a check it does not show up in my accounts. The check will be accepted and the money in my checking will remain unchanged. I have to transfer money to my savings in order for it to change or sometimes it doesn’t even show any accounts eligible for transfer so that I can have it change. When I call 5 point to ask why my check isn’
  11. [R10] 5Point Credit Union 1/5 · US Nice customer service, Bad app: The app is mostly straightforward to use; however, my check deposit section glitches and denies me access to it. I have talked to customer service to get it fixed and they tried to but it still doesn’t allow me to access that part which means I always have to drive over there to deposit checks. Not to mention that their online money transfer goes through Pop-Money w
  12. [R12] 5Point Credit Union 3/5 · US Not working: The app won't allow me to login any longer. My password works on the website but not on the app.
  13. [R25] 5Point Credit Union 5/5 · US Thanks five point: Thank you for making it easy convenient to check my account deposit checks the very good courtesy I do have when I go to the bank and see the friendly faces and smiles
  14. [R42] 5Point Credit Union 5/5 · US Love the App...and FIVE Point: Love the App..makes banking so convenient. Employees are always so nice and helpful.
  15. [R45] 5Point Credit Union 5/5 · US Love this app: This is a great app. I have all my balances at my fingertips. I can move money, pay bills, whatever. I never have any issues with this app either. Great!!
  16. [R46] 5Point Credit Union 5/5 · US 5 Stars for 5point: This app is truly amazing! I use it daily to keep tabs on my accounts and/or to locate ATM's or stores near me. You may also use the app to apply for loans. Everything is right in the palm of your hand, SERIOUSLY! If you don't already have the app, download it NOW!
  17. [R22] 5Point Credit Union 2/5 · US Five Point Credit Union App: App needs some work, especially on the history portion of accounts that shows checks. Need to have check numbers on history without having to download actual check to review. Many times I cannot download check. Called credit union to complain and person I spoke to did not understand.
  18. [R31] 5Point Credit Union 5/5 · US Ricky Richard: Excellent top-notch service everything that I need in 5Point Credit Union thanks again
  19. [R32] 5Point Credit Union 5/5 · US Business account review: I’ve been very pleased with my business accounts at 5 point credit union. The management has been extremely kind and accommodating with any of my banking issues. I highly recommend this credit union.
  20. [R35] 5Point Credit Union 4/5 · US iPhone 12 Pro Max: Have always loved the app until I got the new iPhone now I can’t deposit checks with the app. Please do an update to resolve this.
  21. [R64] Redstone Federal Credit Union 1/5 · US I don’t like RFCU: The app use to be so much better, this new update is not good. I don’t like how Redstone puts holds on random checks either. I’ve had a lot of problems with them blocking online Transactions for fraud. I haven’t been able to purchase online in months. No matter the store. I appreciate the effort but it’s too much. Redstone overall is not good but thats who my family has always u
  22. [R78] Redstone Federal Credit Union 3/5 · US Do not like the update: The update is not user friendly
  23. [R6] 5Point Credit Union 3/5 · US Widget iOS18 update: Will there be an update for the widget so we can see our balance?
  24. [R21] 5Point Credit Union 3/5 · US Update: It would b nice if it had the update where I can use my fingerprint to access my accounts. Let's catch up to the times and don't let the other banking apps out perform the app.

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