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

PenFed Mobile vs Chase Mobile®

PenFed Mobile 4.8★ · Free to download 55
Winner Chase Mobile®
Chase Mobile® 4.8★ · Free to download 80

Chase Mobile® generally offers a more reliable and user-friendly experience for everyday banking, while PenFed Mobile struggles with consistent functionality and navigation.

Full reviews: PenFed Mobile · Chase Mobile®

Chase Mobile® is praised for its ease of use, security, and comprehensive features, making it a reliable choice for managing finances on the go. PenFed Mobile, despite some positive feedback on service, faces significant challenges with login issues, mobile check deposits, and overall app navigation, leading to user frustration.

Head to head

Ease of Use and Navigation edge: Chase Mobile®R12R13R17R22
PenFed Mobile PenFed Mobile users frequently report difficulty finding features and navigating the app, describing it as 'difficult' and 'clunky' R12R13. Some find it 'laggy' and experience issues with login and Face ID R22R24. However, some users find the app 'easy to use' and 'easy to navigate' R17.
Chase Mobile® Chase Mobile® is widely praised for being 'easy to use' and 'user friendly,' with many appreciating the ability to quickly find what they need and customize their homepage R65R74R80R83. Some users, however, find it 'not always easy' to find specific items and note that the app's font size changes with updates, which can be inconvenient .
Reliability and Performance edge: Chase Mobile®R1R4R6R7
PenFed Mobile PenFed Mobile users report numerous reliability issues, including problems with passkey login, bill pay functionality, and mobile check deposits R1R4R6R7. Some users experience persistent login errors and app crashes R22.
Chase Mobile® Chase Mobile® is generally seen as reliable, with many users stating the app 'has never given me problems' and is 'always come thru for me' . However, some users report issues with Face ID not remembering login information, forced updates preventing access on older phones, and occasional lag in features like Ultimate Rewards redemption .
Features and Functionality edge: Chase Mobile®R3R4R6R7
PenFed Mobile PenFed Mobile offers features like external account transfers, bill pay, and mobile check deposits, though users report issues with these features R3R4R6R7. Specific complaints include difficulty paying the last statement balance, problems with auto-capture for checks, and a lack of a clear option to retake photos during mobile deposits R3R7R10. Some users also struggle to find basic functions like ordering checks or managing card lock/unlock features .
Chase Mobile® Chase Mobile® provides a wide range of features including money transfers, mobile deposits, Zelle, and account management for personal and business accounts . Users appreciate the ability to move money between accounts and make payments R83. However, some features receive criticism, such as the travel options being 'awful' and lacking basic search criteria, issues with 'Pay in 4' disappearing for some users, and a lack of customizable spending tracking .
Customer Service and Support edge: PenFed MobileR2R5R13R19
PenFed Mobile PenFed Mobile users have mixed experiences with customer service. Some praise the 'excellent service' and helpfulness of representatives R2R5. However, others report difficulty reaching a human, unhelpful staff, and unresolved issues with the app's functionality R13R19R33.
Chase Mobile® Chase Mobile® users express significant frustration with customer service, citing 'useless customer service,' 'horrible customer service,' and difficulty getting help from human agents R73R78R91R101. Many complain about AI or bot responses that don't resolve issues and long hold times R73R78.
Price and Value (Fees/Benefits) edge: PenFed MobileR14R24R57R63
PenFed Mobile PenFed Mobile users appreciate benefits like 5% cash back on fuel and a nice point system R14R24. There are no specific complaints about app-related fees, but one user mentioned being overdrawn and negative over a hundred dollars due to an unclear issue, though fees were refunded R57.
Chase Mobile® Chase Mobile® users mention issues with 'predatory over draft fees' and high annual fees, with one user stating $150 annual fees are 'not worth using it' R63. Some users also feel the bank 'doesn't give me good benefits' .
Pick PenFed Mobile if

Pick PenFed Mobile if you prioritize a credit union with generally good customer service for account-related issues, and if you can tolerate potential app frustrations with login, navigation, and mobile deposits R2.

Pick Chase Mobile® if

Pick Chase Mobile® if you value a highly user-friendly, reliable app for daily banking tasks like checking balances, making transfers, and using Zelle, and if you are less concerned about specific feature limitations or customer service interactions R74.

Evidence note: Both apps are free to download, so there is no free-vs-paid asymmetry to consider. The review volume for Chase Mobile® is significantly higher, providing a broader range of feedback.

Frequently asked

Does PenFed Mobile have issues with mobile check deposits?
Yes, PenFed Mobile users frequently report problems with mobile check deposits, including the auto-capture tool being too fast, not allowing retakes of photos, and some accounts being deemed ineligible for the service R6R7R10R33.
Are there login problems with PenFed Mobile?
Yes, many PenFed Mobile users experience persistent login issues, including problems with passkey and Face ID not working consistently, getting 'too many attempts' errors, and being unable to sign in for extended periods R1R9R22R24.
Is Chase Mobile® easy to use?
Yes, Chase Mobile® is widely considered easy to use and user-friendly, with many customers praising its simple navigation, quick access to balances, and convenience for managing accounts and making payments R65R74R80R83.
Does Chase Mobile® have good customer service?
No, Chase Mobile® users frequently report negative experiences with customer service, describing it as 'useless' and 'horrible,' with difficulties reaching human representatives and frustration with unhelpful AI or bot responses R73R78R91R101.

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. [R12] PenFed Mobile 3/5 · US App difficult: I do not like the app because it is too difficult to locate what I need. I have to search all the time go locate the simplest things. Very frustrating
  2. [R13] PenFed Mobile 1/5 · US Disappointing, not a user friendly or reliable bunch: Surprisingly, their system is relatively archaic and clunky. When calling in, they make it difficult to get to a human. And then most of them don’t know for sure how their system works, or why it does or doesn’t allow things. For example, when unable to make a credit card payment from the app as normal (regularly pay off the balance each month)
  3. [R17] PenFed Mobile 5/5 · US Jeff: Great application-ease of use and very easy to navigate.
  4. [R22] PenFed Mobile 1/5 · US Laggy: I’ve been getting tired of “too many attempts”, it’s too laggy
  5. [R1] PenFed Mobile 2/5 · US Logging in with passkey is not working when I called the problem could not be fixed: Need to check out this issue
  6. [R4] PenFed Mobile 1/5 · US Bill pay system not working: Why is the bill pay system inoperative
  7. [R6] PenFed Mobile 3/5 · US Scan Check issue: Scanning a check is not always successful. It scanned the front of the truck as both the front and the back. I don’t see a way to edit the back so I have to start again
  8. [R7] PenFed Mobile 2/5 · US UPDATE has made capturing checks worse: The auto capture tool for checks was working fine before. Before, You’d set the front of your check. Auto Capture it. Great. Then It’d take you back out of auto capture, you flip your check to its back , you click on back option . Auto capture. And done. Worked great! BUT Now, -it makes you do it “all at once” and too fast. If you are not fast enough turning
  9. [R3] PenFed Mobile 3/5 · US Not easy to pay last statement balance: When you go to make a payment, it only gives you the current account balance. You have to go and open the last statement to see what that amount is, then come back and enter that amount as your payment.
  10. [R2] PenFed Mobile 5/5 · US Great Credit Union: It doesn’t matter online or in person PenFed always delivers the best service and quality.
  11. [R5] PenFed Mobile 5/5 · US Excelente servicio: Muy efectivo
  12. [R19] PenFed Mobile 1/5 · US Annoyed: I need to pay on my auto loan and wanted to move my autopay date to two days later. It’s been two months now and I still don’t have my autopay date set! I am so frustrated I don’t see why the customer service representatives cant set it up for me
  13. [R14] PenFed Mobile 5/5 · US Happy Senior: The 5% Cash Back on Fuel Is Really Helpful! Your Website is easy to use and monthly electronic payments from my checking account have been flawless! Bravo!!
  14. [R24] PenFed Mobile 3/5 · US Need to approve: I absolutely love PenFed. Their point system is nice and the people I talk to are extremely pleasant however what needs to be improved is so that I don’t have to call every three Months, they need to put the amount of rewards points on the statements. Secondly, logging into the app is difficult from time to time because sometimes the face identification works, and sometimes it doe
  15. [R57] PenFed Mobile 2/5 · US Shaky start: Went to fund account. Deposited 25 dollars, the amount to fund it, and then a few days later looked and I was overdrawn and negative over a hundred dollars. Called, asked what happened, got no answer on why but was refunded for the insane overdraft fees that didn’t make sense because I literally only added money to the account immediately, and I’m waiting for the account to be old eno
  16. [R63] Chase Mobile® 3/5 · US Too much Annual fees: $150 annual fees is a lot not worth using it. I will Close the account before next annual charge.
  17. [R10] PenFed Mobile 2/5 · US Mobile check deposit auto capture doesn’t allow retaking of photos: When using auto capture to photo checks, there is not apparent option to retake photos if necessary.
  18. [R33] PenFed Mobile 1/5 · US This is not a credit union it’s a joke: Mobile deposit doesn’t work despite having an account since 2017. I tried for the first time to use mobile deposits and I was told that my account is in eligible. I called Support multiple times and yet nobody can tell me why mobile deposit doesn’t work. This is a garbage credit union. This may as well be an online bank. It’s not a real bank. Once I finall
  19. [R9] PenFed Mobile 3/5 · US DeAunf: I’ve always had problems trying to sign into my Pen Federal account on my phone I don’t know what the problem is, but it’s forever unsuccessful Ing to sign into this account by my app online with my cell phones over the years. I think I’ve had this Account for quite a while, but I’ve never been able to use it appropriately to sign in on a transfer funds on the connect my bank at Navy Feder
  20. [R65] Chase Mobile® 5/5 · US Genial: Fácil de usar, segura, servicios rápidos
  21. [R74] Chase Mobile® 5/5 · US Easy: Just wanted to note how easy this app is to use.
  22. [R80] Chase Mobile® 5/5 · US User Friendly: The Chase Mobile app is easy to navigate and I can always find what I need quickly. You can customize and personalize your home page to show and hide what you prefer visible and quickly accessible.
  23. [R83] Chase Mobile® 5/5 · US Convenience @ your fingertips: The app is easy to use. It’s very simple and much convenient than any other apps I have used so far. You click it and with your biometrics you are in and review balances and pay due payments. Nothing beats this! By the way, I don’t bank with Chase Bank. I only have their card. I might change banking options in the future. :)
  24. [R73] Chase Mobile® 2/5 · US Sucks: Features don’t really work. Especially with autopay, I’ve had it enabled for months yet none of my payments have been automatically taken out therefore accruing interest and late fees. You can’t get quick online chat help because of stupid AI or bot responses that don’t get you anywhere. APYs suck as well
  25. [R78] Chase Mobile® 3/5 · GB Need to offer Live chat service: Please offer live chat service with live humans not robot. Even if there is wait time for the response.
  26. [R91] Chase Mobile® 1/5 · US Useless customer service: I am trying to send money through Zelle and the app is making me verify my ID. It’s saying the camera is too shaky even when I have it still on my desk and my ID on a box so I’m not even holding the phone lol… customer service outright told me there’s nothing they can do to help me bypass the check so I guess I’ll just find another bank again…
  27. [R101] Chase Mobile® 1/5 · US Horrible Customer service: The worst I’ve ever experienced!

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