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

ESL Mobile Banking vs Navy Federal Credit Union

ESL Mobile Banking 4.8★ · Free to download 45
Winner Navy Federal Credit Union
Navy Federal Credit Union 4.9★ · Free to download 65

Navy Federal Credit Union generally offers a more stable and feature-rich banking app, despite recent maintenance and display issues, while ESL Mobile Banking struggles with frequent glitches and a poorly received recent update.

Full reviews: ESL Mobile Banking · Navy Federal Credit Union

Navy Federal Credit Union's app is praised for its comprehensive features and ease of use, though recent updates have introduced frustrating maintenance downtimes and display bugs. ESL Mobile Banking, while appreciated for convenience by some, is plagued by login issues, crashes, and a widely disliked recent update that has impacted core functionalities.

Head to head

Features edge: Navy Federal Credit UnionR3R16R27R35
ESL Mobile Banking ESL Mobile Banking users appreciate the convenience of mobile check deposits, especially for night shift workers, and some find it easy to manage accounts and pay bills R27R35. However, users report missing features like seeing pending income transactions and struggle with inaccurate credit representation R3R16.
Navy Federal Credit Union Navy Federal Credit Union offers a wide range of features, including credit card points management, savings goals, and easy money transfers . Users desire a widget for the home screen, better customization options for accounts, and a clear auto-pay option .
Ease of Use tieR12R14R22R31
ESL Mobile Banking Some ESL Mobile Banking users find the app very easy to use and convenient for daily banking R14R31. However, many recent reviews indicate a significant decline in usability following updates, with issues like difficulty hitting submit buttons for payments, screens scrolling back, and a cluttered interface R12R22.
Navy Federal Credit Union Navy Federal Credit Union is generally considered easy to use with a clear interface for managing accounts and transfers . However, recent updates have introduced issues like the app not fitting iPhone screens, difficulty with the 'switch user' feature, and a buggy credit card rewards site .
Reliability tieR13R18R24R25
ESL Mobile Banking ESL Mobile Banking suffers from significant reliability issues, with frequent reports of the app crashing, not loading, login glitches, and an inability to perform basic functions like transferring money or making payments R13R18R24R25. Some users also report issues with mobile deposit image processing R27.
Navy Federal Credit Union Navy Federal Credit Union users frequently complain about the app being under maintenance, often at inconvenient times and for extended periods, making it inaccessible R61R63R67. Other reliability issues include freezing, login problems, mobile deposit failures, and badge notifications that won't clear .
Price/Value edge: Navy Federal Credit UnionR13R25R46R65
ESL Mobile Banking Both apps are free to download. ESL Mobile Banking users do not specifically comment on price or value, but the app's functionality issues detract from its overall perceived value R13R25R46.
Navy Federal Credit Union Both apps are free to download. Navy Federal Credit Union users generally perceive high value from their banking experience, with many expressing loyalty and satisfaction with the bank and its app's capabilities, despite technical issues R65.
Support tieR25R30R66R69
ESL Mobile Banking ESL Mobile Banking users report difficulty reaching support, especially in Spanish, and note that staff cannot always support online banking issues R30R25.
Navy Federal Credit Union Navy Federal Credit Union users report long wait times for customer service, both on the phone and via chat, and sometimes find support unhelpful in resolving app issues like credit card notification problems R66R69.
Pick ESL Mobile Banking if

you are an existing ESL customer who finds the current app version manageable and values the convenience of mobile check deposits, despite its flaws R27R31.

Pick Navy Federal Credit Union if

you are eligible for Navy Federal Credit Union membership and prioritize a comprehensive banking app with a wide range of features, even if it experiences occasional maintenance downtimes and minor display bugs .

Evidence note: Both apps are free to download, so there is no free-vs-paid asymmetry. Recent negative reviews for both apps heavily focus on post-update issues, suggesting a decline in user satisfaction for both, but Navy Federal's issues appear less severe and more intermittent than ESL's.

Frequently asked

Does ESL Mobile Banking have login issues?
Yes, many ESL Mobile Banking users report frequent login glitches, with the app often stating invalid credentials or freezing, preventing access to accounts R13R44R46.
How often is the Navy Federal Credit Union app under maintenance?
The Navy Federal Credit Union app is frequently under maintenance, with users reporting it's 'constantly under maintenance' and often inaccessible for several hours, sometimes during inconvenient times like weekends R61R63R67R70.
Are there issues with recent updates for ESL Mobile Banking?
Yes, many ESL Mobile Banking users are dissatisfied with recent updates, reporting that the new interface is worse, core functionalities like payments and balance viewing are broken, and the app is generally less reliable than before R6R9R15R34.
Can I make mobile deposits with the Navy Federal Credit Union app?
While mobile deposits are generally a feature, some Navy Federal Credit Union users have recently experienced issues where the screen freezes or reports blurry images, preventing successful deposits after updates R106R116.

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. [R3] ESL Mobile Banking 3/5 · US Needs option: I wish you’d show pending transactions as far as income into my account. Generations used to provide that & it’s the one thing I miss.
  2. [R16] ESL Mobile Banking 2/5 · US Inaccurate Credit Representation: Available credit isn’t accurately represented, causing a decline for insufficient funds and doesn’t notify you until it’s too late
  3. [R27] ESL Mobile Banking 3/5 · US Not terrible: The convenience of being able to deposit checks is a pretty awesome thing for us night shift workers, however the occasional issue with image processing is kind of annoying, I don’t appreciate having to retake the image 6 times because the system thinks there’s a size difference between front and back, or it couldn’t figure out all the markings on the check.
  4. [R35] ESL Mobile Banking 5/5 · US ESL app: I love my ESL app- so easy to manage all my accounts and paying my Visa Credit car is a snap! Love it
  5. [R12] ESL Mobile Banking 3/5 · US Not impressed: When paying a loan payment I have to scroll up to hit “transfer” but the screen will go back up and the transfer button disappears. I had to try to click on it fast before it scrolled back down again. I’m not playing a game here, I’m trying to pay a bill. Please fix this.
  6. [R14] ESL Mobile Banking 5/5 · US Easy to use: Very convenient
  7. [R22] ESL Mobile Banking 2/5 · US Not Good: When I am looking at my bank accounts, I don’t need to see ads from your or anyone else. Just list my accounts and balances on the screen. You had this mastered and then made me update my app to this new garbage. Please revert back to the simple Home Screen.
  8. [R31] ESL Mobile Banking 5/5 · US Convenience: I use the app daily very easy to use I love it
  9. [R13] ESL Mobile Banking 1/5 · US Log in glitch needs to be fixed: I’m so tired of being told my login credentials are invalid when I need to see how much money is in my bank account….this glitch NEEDS to be fixed, it’s extremely stressful. You guys can’t be playing with peoples money like this, I have rent due and need to know how much I can spend on groceries.
  10. [R18] ESL Mobile Banking 3/5 · US Keeps crashing: After whatever update I can’t send money to my children or bf. It deleted my contacts and doesn’t allow me to see my balance
  11. [R24] ESL Mobile Banking 3/5 · US Good app until recent update: App worked well and did all I need it to do until it’s most recent update. Now the accounts screen never loads and just sits there loading.
  12. [R25] ESL Mobile Banking 1/5 · US App is very broken: Cannot transfer money within my own account. It worked once. Staff cannot support, this online banking very broken.
  13. [R46] ESL Mobile Banking 1/5 · US Constant Malfunctions: This app is bad to the point where I have to change banks, half the time the app crashes before I even load into it. Constant issues with clicking into my checking account to view my balance and recent payments. This has been happening for years, and I regret not changing banks sooner.
  14. [R65] Navy Federal Credit Union 5/5 · US Best of All: You won’t find better than NFCU, period.
  15. [R30] ESL Mobile Banking 1/5 · US Mejoras!: Han aplicado mejoras muy convenientes para la agilidad de nosotros (clientes) al realizar transacciones bancarias. Excelente! Sin embargo es un dilema comunicarse por teléfono e imposible en español
  16. [R66] Navy Federal Credit Union 3/5 · US cc notifications: Have had this app for many years and never any issues when using my cc and expecting a notification via text or email that my cc was used. However, seems at the beginning of 2026 i started having issues not receiving notifications when i use my cc. have called customer service many times trying to resolve but no luck correcting the issue. Have deleted the app several times and re
  17. [R69] Navy Federal Credit Union 3/5 · US Maintenance and 24/7 help: If they have maintenance York screwed. a random charge you know comes through and you don’t call them they block your card then when you do try to call them about it they don’t answer the line and sit around chat up their buddies, 24/7 help is a joke. Wake up and do your job.
  18. [R44] ESL Mobile Banking 1/5 · US fix your terrible app/website to: your terrible app and website make me not even want to bank with you because i can never access my app every other week there’s a problem stop adding new updates and fix the numerous issues you already have such as your customers not being able to even use your anus app. and you’re website is always down or parts of it “aren’t available at this time” so basically
  19. [R61] Navy Federal Credit Union 2/5 · US Always under maintenance: WHYYYY is this app constantly under maintenance? I try to open in and half the time I can't even check my account or transfer money because they're "conducting scheduled maintenance." I've never dealt with a banking app or any app like this where it's always undergoing some sort of service, like this is so frequent that it has irritated me enough to the point of writing a
  20. [R63] Navy Federal Credit Union 3/5 · US The Maintenance shut down is annoying: Eveytime I need to get into my bank I gotta worry if it in maintenance or not like at least give me a warning
  21. [R67] Navy Federal Credit Union 1/5 · US The app is trash: It shouldn’t ever take 6 plus hours for a “ schedule maintenance” it’s ridiculous at this point
  22. [R70] Navy Federal Credit Union 1/5 · US Maintenance times: Maintenance times take too long when I need to acces my account the most
  23. [R6] ESL Mobile Banking 3/5 · US New changes: Theres new changes and honestly i think its worse- before you could easily see available vs total $ in your accounts, now its just the total/Net amt showing until you click. Plenty of times when I need to access this app, theres always some issue, and now with the new updates it keeps saying application error and that it cant display my location- i tried logging in on multiple device
  24. [R9] ESL Mobile Banking 3/5 · US Recent update is meh: Coming here to agree with others that the app works fine but was nicer before the Big Upgrade that was much advertised. It's not bad but I prefer the previous version.
  25. [R15] ESL Mobile Banking 3/5 · US Recent update isn’t an upgrade: The most recent update and ui changes have me a little stumped ESL. Not sure what was wrong before but not loving the new version update tbh. Not sure how others reacted to the changes but I do actually miss the old ui and it’s been weeks now since the update. Typically I adapt. Heck I don’t even waste my time writing reviews but really curious if you all did any fo
  26. [R34] ESL Mobile Banking 1/5 · US Horrible update: Would give 0 stars if possible. Ever since the update you can’t even make a payment on a car loan. I have to call every month to pay it, wait on the phone for over 30 minutes everytime
  27. [R106] Navy Federal Credit Union 1/5 · US Can’t do mobile deposits anymore: Since a recent update (I believe 2026.6.1) I’m no longer able to do mobile deposits. When I take a picture of the front of the check, the entire screen turns white and just stays there frozen. I’ve tried turning off auto capture, flash, restarting app, restarting phone, my phone has the latest iOS update, everything. The bug is in the app.
  28. [R116] Navy Federal Credit Union 4/5 · US pretty great: fix the mobile deposit there shouldn’t be no reason that i take the best photos of my life with my phone and it still says blurry even though i literally just cleaned my camera before taking the photo and have perfect lighting… example im dealing with this issue now and i’m right now im next to my window with the light on and it’s still saying blurry.

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