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

SF Fire CU Mobile Banking vs Hudson Valley CU Mobile

SF Fire CU Mobile Banking 4.8★ · Free to download 65
Winner Hudson Valley CU Mobile
Hudson Valley CU Mobile 4.8★ · Free to download 70

Hudson Valley CU Mobile (App B) has a slight edge over SF Fire CU Mobile Banking (App A) due to generally more reliable core banking functions, despite both apps experiencing significant login and stability issues.

Full reviews: SF Fire CU Mobile Banking · Hudson Valley CU Mobile

Both SF Fire CU Mobile Banking and Hudson Valley CU Mobile are free banking apps with high lifetime ratings, but recent reviews highlight significant usability and reliability issues for both. Hudson Valley CU Mobile appears to offer a slightly more consistent experience for essential banking tasks, though neither app is without its flaws.

Head to head

Features and Functionality tieR3R4R5R10
SF Fire CU Mobile Banking SF Fire CU Mobile Banking offers remote check deposit, fund transfers, bill pay, card blocking, and travel notes R5. There is confusion and frustration around Zelle integration, with some users unable to find it or experiencing issues R3R4R10. Some users also report limited functionality, such as not being able to see account numbers, update PINs, or easily transfer to external accounts .
Hudson Valley CU Mobile Hudson Valley CU Mobile supports transfers and mobile check deposits . Users appreciate features like glancing at account balances without signing in . However, recent updates have removed merchant names from debit purchases, making it difficult to verify transactions . Some users also report issues with pending balances not refreshing and difficulty setting a default account for check deposits .
Ease of Use and Interface tieR5R8R9R11
SF Fire CU Mobile Banking Many users find SF Fire CU Mobile Banking easy to use and navigate R5R8R11. However, some recent updates have been criticized for being awful, causing buttons to disappear or be incorrectly sized . Other complaints include a slow, clunky UI, forced landscape orientation, and difficulty finding the logout button R9R30.
Hudson Valley CU Mobile Hudson Valley CU Mobile is generally described as easy to use and read . However, recent updates have made the app less user-friendly for some, with complaints about the new layout, difficulty with bill pay, and issues with account information display . Some users also find it difficult to locate their member ID or customer support number .
Reliability and Performance edge: Hudson Valley CU MobileR1R14R16R18
SF Fire CU Mobile Banking SF Fire CU Mobile Banking suffers from significant reliability issues, including frequent login problems, Face ID not working, and being locked out of accounts R1R16R18R28. The app often crashes, especially during check deposits, or logs users out due to inactivity . Transactions syncing issues and accounts not loading are also reported R14.
Hudson Valley CU Mobile Hudson Valley CU Mobile also has reliability problems, with users reporting frequent app downtime and non-descript errors . The app often logs users out shortly after logging in, requiring re-entry of credentials . Mobile check deposit can crash , and some users report account balances not displaying or refreshing correctly .
Customer Support edge: Hudson Valley CU MobileR1R13R31R34
SF Fire CU Mobile Banking SF Fire CU Mobile Banking users report mixed experiences with customer support. Some have been in frequent contact due to app issues R1, while others mention a positive opinion of the institution's service R13R31. However, there are complaints about an overflow call center being unhelpful and slow response times to in-app messages R34.
Hudson Valley CU Mobile Hudson Valley CU Mobile users generally praise the credit union's customer service, describing staff as polite, helpful, and responsive . However, some users report difficulty reaching customer service when locked out of the app .
Transaction Speed and Accuracy tieR6R7R20R30
SF Fire CU Mobile Banking SF Fire CU Mobile Banking users report significant delays in electronic deposits clearing, sometimes taking up to a week R7. There's also a known bug where deposits don't show as received or pending R6. Internal member-to-member transfers are reported to take hours R30. External account verification and transfers can fail, leading to fees R20.
Hudson Valley CU Mobile Hudson Valley CU Mobile users complain about the removal of merchant names from debit purchases, making it hard to verify transactions . Some users also report issues with pending balances not refreshing and the app blocking accounts after spending money . Transfers to external accounts are described as taking forever .
Pick SF Fire CU Mobile Banking if

Pick SF Fire CU Mobile Banking if you prioritize a generally easy-to-use interface for basic banking tasks when it functions correctly R5R8R11.

Pick Hudson Valley CU Mobile if

Pick Hudson Valley CU Mobile if you value strong customer service from the credit union itself and a slightly more reliable experience for core banking functions, despite recent update issues .

Evidence note: Both apps have high lifetime ratings, but a significant portion of recent reviews for both are negative, focusing on app performance and bugs. The free nature of both apps means there's no free-vs-paid asymmetry to consider.

Frequently asked

Do these apps support Zelle or FedNow?
SF Fire CU Mobile Banking has recently added Zelle, but many users report difficulty finding or using the feature within the app R2R4R10. SF Fire CU Mobile Banking does not currently support FedNow, though some users wish it did R3. Hudson Valley CU Mobile reviews do not mention Zelle or FedNow.
Are there frequent login issues with these apps?
Yes, both apps have frequent login issues. SF Fire CU Mobile Banking users report problems with the app not remembering passwords, Face ID failing, and getting locked out R1R16R18R28. Hudson Valley CU Mobile users also experience frequent logouts, Face ID/fingerprint login failures, and being locked out .
How long do deposits take to clear with SF Fire CU Mobile Banking?
Electronic deposits with SF Fire CU Mobile Banking can take up to a week, or sometimes more, to clear, which users find unacceptable R7. There is also a known bug where deposits do not show as received or pending R6.

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] SF Fire CU Mobile Banking 3/5 · US Needs FedNow for instant payment!: There are few credit unions like Redwood credit union and Sacramento credit union who are ready supporting FedNow service for instant P2P payments. Since SF Fire Cu does not support Zelle, would be great if it integrates with FedNow. Things to consider.
  2. [R4] SF Fire CU Mobile Banking 1/5 · US How do you Zelle: They list on their website that you can use Zelle through their app, that there’s a place to send a Zelle in the navigation bar, but it is not there. I cannot find where to Zelle in the app at all.
  3. [R5] SF Fire CU Mobile Banking 5/5 · US App is to use: I find the app easy to use and navigate. I can do remote check deposit transfers funds pay bills all through the app. Has features to block my card and get a new card if it’s lost or stolen and travel notes
  4. [R10] SF Fire CU Mobile Banking 2/5 · US Where is Zelle?: Where is the Zelle button? It's not in the "bottom navigation bar." And the "contact support" button doesn't work at all. I've updated the app, so why does it still have these bugs?
  5. [R8] SF Fire CU Mobile Banking 5/5 · US My favorite mobile app for banking!: The app is easy to use and helps me manage my money effortlessly.
  6. [R9] SF Fire CU Mobile Banking 3/5 · US Logout: Logout should be near the top of menu so I don’t have to scroll to find it.
  7. [R11] SF Fire CU Mobile Banking 5/5 · US Great app!: Honestly very user friendly & zero negative feedback back
  8. [R1] SF Fire CU Mobile Banking 1/5 · US Worst app ever - I’m leaving this bank: The app never remembers my password, even though it’s saved in my keychain on my iphone. Even when I put it in manually it doesn’t work 50% of the time (I get a notification that it is wrong, which I 100% know is incorrect!!!) and I end up locked out of my account. The work around is changing my password which I have done nearly weekly. I have been in touch
  9. [R14] SF Fire CU Mobile Banking 2/5 · US Issue syncing transactions: Recently began getting error message about "not all transactions have been sync". App asks me to log out for 10 minutes and sign back in. Will sometimes fix the issue but only temporarily.
  10. [R16] SF Fire CU Mobile Banking 2/5 · US Keeps getting worse: A few years back the all switched to a new version that appears to be a bunch of web views. The app experience keeps getting worse and worse for a few reasons. 1. The login screen never works with apples password manager. Unheard of for as long as it’s been out. 2. Once I manually look up the password, it doesn’t paste into the password field correctly. 3. The issue is
  11. [R18] SF Fire CU Mobile Banking 2/5 · US Constantly doesn’t use Face ID.: Unreliable. The app doesn’t use the technology coded into it, & usually at the worst time
  12. [R13] SF Fire CU Mobile Banking 5/5 · US Good app, BETTER SERVICE: The only financial institution I’ve ever had such a positive opinion of!
  13. [R31] SF Fire CU Mobile Banking 5/5 · US SF FIRE CU MOBILE BANKING: SF FIRE CU has found a way to define trust, top tier customer service and easy steps to follow when using the mobile application. It’s everything you need under one roof. I have been a customer for at least 13 years and I only have good memories to share whenever I think about what they have provided for me and my family. They also have a program now where you can get pa
  14. [R34] SF Fire CU Mobile Banking 1/5 · US Horrible Overflow Call Center: Member of 15+ years. They apparently have hired some call center to handle over flow calls. It's a glorified answering service. I was told someone would get back to me in 24 hours regarding a simple account inquiry during regular business hours. The old App was better. I would advise new people to not use this App because you would need to open an account, and I woul
  15. [R6] SF Fire CU Mobile Banking 3/5 · US Deposits don’t show: Known bug for over a month, kinda frustrating. Shd at least show as received/pending.
  16. [R7] SF Fire CU Mobile Banking 1/5 · US App is fine, deposit time is horrendous: It takes up to a week (sometimes more!) for electronic deposits to clear. Totally unacceptable in this day and a deal breaker for using this once fantastic credit union.
  17. [R20] SF Fire CU Mobile Banking 1/5 · US Faulty external account verification: Don’t use the bank’s preferred instant external account verification system via 3rd party yodlee. It’ll add and confirm your account was added. Then when you initiate transfers, they’ll fail stating your external accounts couldn’t be located and you’ll get hit with return fees. Scam.
  18. [R30] SF Fire CU Mobile Banking 1/5 · US Poorly designed app: Currently forces landscape orientation. No option for text or email 2FA. Slow, clunky UI that is not easy to use. Internal member-to-member transfers take HOURS to process.
  19. [R2] SF Fire CU Mobile Banking 5/5 · US Gets better and better: Love the interface and finally adding Zelle !
  20. [R28] SF Fire CU Mobile Banking 1/5 · US The app: This app on my phone is a fk nightmare, I can’t check my account, anything, I have to restore my password every two weeks always 🤦‍♂️

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