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

5Point Credit Union vs Summit Credit Union

5Point Credit Union 4.8★ · Free to download 75
Winner 5Point Credit Union
Summit Credit Union 4.7★ · Free to download · ⚠ stale 45

5Point Credit Union is generally preferred for its ease of use and reliable mobile check deposit, while Summit Credit Union struggles with recent app updates causing login issues and reduced functionality.

Full reviews: 5Point Credit Union · Summit Credit Union

5Point Credit Union offers a user-friendly and efficient app with reliable mobile check deposit, despite some minor glitches. Summit Credit Union, however, has faced significant criticism for recent app updates, leading to login problems, clunky design, and reduced functionality, making it a less reliable choice for mobile banking.

Head to head

Features edge: 5Point Credit UnionR6R15R19R24
5Point Credit Union 5Point Credit Union's app provides essential banking features like account access, transfers, and bill pay, with many users finding it comprehensive for their needs . Mobile check deposit is a highly valued feature, though some users report occasional issues with it R52R55R19R24. Some users desire additional features like a widget for balance viewing, credit card transaction history, or Zelle integration R6R15.
Summit Credit Union Summit Credit Union's app offers features like account management, spending analysis, and balance widgets, with some users appreciating the new tools for money management . However, many users report issues with specific features, such as Zelle not being found or having low transfer limits , inability to make car payments , and limited mortgage history . The ability to edit bill payments is also missed by some .
Ease of Use edge: 5Point Credit UnionR1R2R14R17
5Point Credit Union Many 5Point Credit Union users praise the app for being easy to navigate, user-friendly, and simple to manipulate R2R14R17. However, some recent reviews mention a 'messy' design and difficulty with account preferences after updates R1. There are also requests for features like fingerprint login and better display of linked account names .
Summit Credit Union Summit Credit Union's app receives mixed reviews regarding ease of use, with a significant number of users finding the recent updates have made it clunky, unintuitive, and hard to navigate R72R85R88. Specific complaints include cluttered main views, difficulty switching between accounts, and the need for multiple profiles R72. Conversely, some users find the app easy to use and appreciate the new, clean design R62.
Reliability edge: 5Point Credit UnionR4R7R9R10
5Point Credit Union 5Point Credit Union's app generally performs well for many users, with some reporting no issues . However, there are frequent complaints about the app being slow to load R4, not opening R7, or having constant application errors . Mobile check deposit is a particular pain point, with users experiencing issues like checks not showing up, images being cut off, or the function denying access R9R10R19R24. Login issues, such as passwords not working on the app but working on the website, are also reported .
Summit Credit Union Summit Credit Union's app has significant reliability issues, particularly after recent updates. Many users report being unable to log in due to continuous 'proof you are human' loops or robot verification failures R61R73R75. The app is frequently under maintenance or reports service unavailable errors . Users also experience crashes, freezes, and difficulty accessing certain portals . The app also has issues with VPN compatibility, requiring users to turn it off to log in R87.
Price/Value edge: 5Point Credit UnionR58R60R62R65
5Point Credit Union Both apps are free to download. 5Point Credit Union's app is seen as a valuable tool for managing finances efficiently, saving trips to the bank, and providing convenience R58R60.
Summit Credit Union Both apps are free to download. Summit Credit Union's app is valued by some for its convenience and money management tools R62. However, some users express concerns about high interest rates on loans R65 and illegal overdraft fees , which detract from the overall value perception of the institution, if not directly the app.
Support tieR10R22R31R32
5Point Credit Union 5Point Credit Union is praised for its excellent customer service and friendly, helpful staff at branches R10R31R32. However, some users report that customer service did not understand or could not resolve app-related issues, such as check deposit problems R10R22.
Summit Credit Union Summit Credit Union also receives positive feedback for its staff and customer service, with employees described as wonderful, helpful, and accommodating . However, users report difficulties reaching IT support for app issues R61 and slow resolution of fraud cases .
Pick 5Point Credit Union if

Pick 5Point Credit Union if you prioritize a generally easy-to-use and reliable banking app for daily transactions and mobile check deposits, and value strong in-person customer service R2R17R52.

Pick Summit Credit Union if

Pick Summit Credit Union if you are willing to navigate a potentially clunky interface and frequent login issues in exchange for advanced money management features like spending analysis and savings goals, and value strong in-branch customer service .

Evidence note: Summit Credit Union's recent reviews are heavily skewed negative due to a problematic app update, which contrasts with its higher lifetime rating. Many positive reviews for both apps focus on the credit union's service rather than the app itself.

Frequently asked

Does 5Point Credit Union's app support mobile check deposit?
Yes, 5Point Credit Union's app supports mobile check deposit, which many users find easy and convenient, though some report occasional issues with checks not showing up or the feature not working correctly R52R55R19R24.
Are there login issues with Summit Credit Union's app?
Yes, many users report significant login issues with Summit Credit Union's app, including continuous 'proof you are human' loops, robot verification failures, and problems with Face ID, often requiring multiple attempts or disabling VPN R61R73R75R87.
How do users feel about recent updates for Summit Credit Union's app?
Recent updates for Summit Credit Union's app have received largely negative feedback, with many users disliking the new design, finding it clunky and unintuitive, and reporting a loss of previously available information and functionality R70R72R85R88.

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] 5Point Credit Union 3/5 · US Widget iOS18 update: Will there be an update for the widget so we can see our balance?
  2. [R15] 5Point Credit Union 3/5 · US Credit card history: There should be a view of transactions on your credit card purchases
  3. [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.
  4. [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.
  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. [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.
  8. [R17] 5Point Credit Union 5/5 · US 5Point Bank App: It’s great very easy to use and super efficient. Great job guys!
  9. [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.
  10. [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
  11. [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’
  12. [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
  13. [R58] 5Point Credit Union 5/5 · US Time saver!!: Saves me trips to the bank! 😊😊
  14. [R60] 5Point Credit Union 5/5 · US Exceeds all Expectations: I've gotten use to this app, and had begin to take it for granted. I don't think I've purchased a Postage Stamp since I begin using "Pay Bills" included on this app. Then comes "Make a Deposit". That's right, this utility allows the user to take a
  15. [R62] Summit Credit Union 5/5 · US Me facilita todo: Es fácil de usar y muy conveniente. Me gusta administrar mi cuenta con esta aplicación.
  16. [R65] Summit Credit Union 5/5 · US Carísimos los interés: Los interéses son demasiados altos
  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. [R52] 5Point Credit Union 5/5 · US Love this app: I use it all the time. My favorite thing is the mobile check deposit! So easy and convenient! I highly recommend it to all users!
  21. [R55] 5Point Credit Union 5/5 · US Great app: This is a great app and let's me do my online banking. Including deposit checks! Also, I have been with this credit union for 30 years and it is better than any other financial institution.
  22. [R61] Summit Credit Union 1/5 · US Prove you are human: After being on basic hold for 25 min trying to solve this continuous loop of “proof you are human” code…… still not working! Had to hang up as I couldn’t wait any longer. No IT Dept to assist on the phone. Frustrating to say the least!
  23. [R73] Summit Credit Union 2/5 · US Robot Verification doesn’t work: The app is helpful but I can’t login any longer. It’s stuck on the robot verification. It asks me to check the box, I do, then it loads for a second and then asks me to check the box again.
  24. [R75] Summit Credit Union 3/5 · US Verification: It’s not letting me verify my card
  25. [R87] Summit Credit Union 3/5 · US Unable to complete request when signing or logging in.: I use VPN on my iPhone for secure network connection. I have to turn off VPN in order to sign in through the app. This is the only app that will not work with when VPN is on. For this reason I gave it a 3 star.
  26. [R70] Summit Credit Union 1/5 · US App: It’s an app for online banking. It’s not good, other credit unions and apps are better. Kind of really hate this online bank, UW Credit Union app is way better and seriously, this looks and operates bad. Keep doing updates but still the same old garbage.
  27. [R72] Summit Credit Union 3/5 · US Polished Look. Painful Use.: The recent app update is perplexing. The new UI is clunky, unintuitive, and frustrating to use. Switching between credit cards and checking/savings accounts now requires adding separate profiles, creating unnecessary complexity and extra taps. The main view is cluttered with unnecessary tiles and analysis features, making it harder to access essential banking tools qui
  28. [R85] Summit Credit Union 2/5 · US Dislike the new app: I used to be able to see so much more! Like when paychecks were pending and when a check was going to be released. Now it’s so confusing! There’s so much going on I can’t find anything and I had to rearrange everything. I’ve had it for a month and I just hate it.
  29. [R88] Summit Credit Union 1/5 · US Switch back to the old app!: I absolutely hate the new app. Hard to navigate. Everything looks the same. I don't feel like it's user friendly at all- I Luke's on the old one it had just the accounts and you clicked on whatever you were looking for.

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