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

Union Bank & Trust Mobile vs Travis CU Mobile

Union Bank & Trust Mobile 4.9★ · Free to download 45
Winner Travis CU Mobile
Travis CU Mobile 4.8★ · Free to download 60

Travis CU Mobile has a slight edge due to better overall reliability and customer service, despite recent update issues, while Union Bank & Trust Mobile struggles significantly with app stability and core banking functions.

Full reviews: Union Bank & Trust Mobile · Travis CU Mobile

Union Bank & Trust Mobile users report frequent app crashes, slow loading, and issues with key features like Zelle and bill pay, leading to frustration and difficulty accessing funds. Travis CU Mobile, while also experiencing problems with recent updates and specific features like mobile deposit and Zelle, generally receives higher praise for its customer service and overall convenience, though some users find its interface outdated.

Head to head

App Stability and Performance edge: Travis CU MobileR1R7R15R17
Union Bank & Trust Mobile Union Bank & Trust Mobile users frequently report the app is slow, crashes often, and experiences connectivity issues, making it inaccessible at times R1R7R15. Some users are stuck in update loops or cannot log in after updates R17.
Travis CU Mobile Travis CU Mobile also has stability issues, with users reporting the app freezes, is slow, or doesn't open . Recent updates have caused problems with logging out, oversized screens, and general functionality . However, some users note significant improvements in stability over time .
Core Banking Features (Payments, Transfers, Deposits) tieR3R4R9R13
Union Bank & Trust Mobile Users of Union Bank & Trust Mobile experience significant problems with bill pay, including blank pages when trying to use Zelle, payments taking too long to process, and an inability to sort or search payees R3R4R9R13. Mobile check deposits can take over 4 days to clear R33.
Travis CU Mobile Travis CU Mobile users report issues with mobile deposits, where the camera feature is broken or auto-capture fails . Transfers to other banks can be problematic, and some users note that withdrawals and deposits take longer to process after updates . There are also complaints about the lack of Zelle functionality within the app R120.
Ease of Use and Interface edge: Travis CU MobileR8R20R30R36
Union Bank & Trust Mobile Union Bank & Trust Mobile receives mixed reviews on ease of use; some find it easy to navigate and user-friendly R8R20R30R36, while others describe it as having a terrible interface, being slow, and difficult to use after updates .
Travis CU Mobile Travis CU Mobile users praise its ease of use and intuitive navigation . However, some recent updates have made the app less user-friendly, with jumbled layouts and difficulty finding information .
Customer Support and Reliability edge: Travis CU MobileR10R11R13R23
Union Bank & Trust Mobile Union Bank & Trust Mobile users report poor customer support, with issues like being locked out of accounts for weeks, inability to reach support, and unhelpful advice R10R11R13R23.
Travis CU Mobile Travis CU Mobile is highly praised for its excellent customer service, with users consistently reporting helpful and understanding staff . Some users note that even when issues arise, the credit union is quick to provide solutions .
Fees and Value edge: Union Bank & Trust MobileR5R25R88R108
Union Bank & Trust Mobile Union Bank & Trust Mobile users mention a sign-up bonus for UNL students and a competitive 12-month promotional Money Market Account interest rate of 3.45% R5. However, some report extra fees for online payments when the website is down R25.
Travis CU Mobile Travis CU Mobile charges a $10 fee for making credit card payments from an external bank, which is a significant point of frustration for users R88R118R120. They also charge an overdraft fee like traditional banks R108.
Pick Union Bank & Trust Mobile if

Pick Union Bank & Trust Mobile if you are a UNL student looking for a sign-up bonus and a potentially good promotional interest rate on a money market account, and are willing to tolerate significant app instability and feature issues R5.

Pick Travis CU Mobile if

Pick Travis CU Mobile if you value strong customer service and a generally reliable app for basic banking, even if recent updates have introduced some usability quirks and you might encounter issues with specific features like mobile deposit or Zelle .

Evidence note: Both apps have a high lifetime rating, but recent reviews for both are heavily skewed negative, indicating a decline in user satisfaction, particularly after recent updates. The free-to-download nature of both apps means there is no paid tier to compare against, so all negativity stems from general user experience.

Frequently asked

Does Union Bank & Trust Mobile support Zelle?
Union Bank & Trust Mobile users frequently report significant problems with the Zelle function, including the page rarely populating, displaying a blank page, or the app crashing when trying to use it R4R13R37R56.
Are there fees for payments with Travis CU Mobile?
Yes, Travis CU Mobile charges a $10 fee to make a credit card payment from an external primary bank, which is a point of frustration for many users R88R118R120.
How long do mobile check deposits take with Union Bank & Trust Mobile?
Mobile check deposits with Union Bank & Trust Mobile can take longer than 4 days to be available in the account, which users find unreliable R33.

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. [R1] Union Bank & Trust Mobile 2/5 · US Slow: Extremely slow when loading transactions or account balances.
  2. [R7] Union Bank & Trust Mobile 1/5 · US The app is always down: The app has issues almost every week and becomes inaccessible. Really frustrating.
  3. [R15] Union Bank & Trust Mobile 1/5 · US Garbage: Crashed out, continues to crash out, low grade app from low grade state 👎🏼
  4. [R17] Union Bank & Trust Mobile 1/5 · US Can’t update: Says I need to update but I click it and then the App Store says it don’t need it. It just keeps doing the same thing
  5. [R3] Union Bank & Trust Mobile 3/5 · US Payment takes too long to be processed.: I did setup automatic payment every month but every time I tried to pay extra $100 to the principal account before the deadline they generated it as regular payment and I don’t like it.
  6. [R4] Union Bank & Trust Mobile 2/5 · US App Issues: The app is alright for checking balances and transferring money, but other functions there seems to be a major hiccup. Whenever I try to use the Zelle function, the page rarely populates. This happens on both mobile and desktop. I moved around to different MiFis and tried a hardline connection to try and eliminate network issues, but I can rarely get the Zelle page to populate; it just
  7. [R9] Union Bank & Trust Mobile 3/5 · US Payments: It’s takes several days for account payments to update
  8. [R13] Union Bank & Trust Mobile 1/5 · US Zelle: Zelle app has lot of problems, app crashes when we open directly, when we tried a payment it went on hold and asked to contact customer support but unable to reach customer support. Totally disappointed
  9. [R8] Union Bank & Trust Mobile 5/5 · US Easy: Works great for us, easy to make changes and review accounts !! Wish all apps were this user friendly .
  10. [R20] Union Bank & Trust Mobile 5/5 · US Easy to navigate: It’s easy too navigate the app.
  11. [R30] Union Bank & Trust Mobile 5/5 · US Works Great!!: Very easy to use!!
  12. [R36] Union Bank & Trust Mobile 5/5 · US Easy: It’s easy to just open my phone and see how much money I have
  13. [R10] Union Bank & Trust Mobile 1/5 · US Ubt moblile: This is the worst banking institution ever. I have been locked out of my account for three weeks. I have no idea how much money has gone negative, and I don’t know what to do.
  14. [R11] Union Bank & Trust Mobile 5/5 · US Bad: App down for six hours, no customer support
  15. [R23] Union Bank & Trust Mobile 1/5 · US My app is hacked: UBT un hack my account people answer your calls that don’t work for UBT
  16. [R5] Union Bank & Trust Mobile 4/5 · US Great for UNL: This app is great for UNL students, especially with the sign-up bonus! The savings accounts are lacking quite a bit after graduation, but I really like their current 12-month promotional “Money Market Account” that has an interest rate of 3.45%, which is the highest for non-CD accounts. I’ll likely be looking elsewhere for a long-term high-yield savings account, but otherwise this
  17. [R25] Union Bank & Trust Mobile 1/5 · US Terrible bank: Website doesn’t work but have to make a payment today. So of course there is a an extra $5 fee. Get it together and the customer service is subpar. No one knows anything or how to help. Avoid this bank if you can
  18. [R88] Travis CU Mobile 1/5 · US Charges to post credit card payments: I have credit cards with Discover, USAA, Chase, Umpqua, and TCU. Travis credit union is the only bank that charges me a fee ($10) to make a payment on my credit card every month from my external primary bank with Umpqua. Every other credit card company let’s me post payment from my Umpqua account without fees or issue. The only reason I haven’t closed my TCU i
  19. [R108] Travis CU Mobile 2/5 · US The CU is ok, app LACKS: On top of not having an updated debit card with a tap reader, the app also lacks. There are no widgets, no banner alerts when I spend money. No way to decline a purchase, they charge it and charge you an overdraft fee like a traditional bank. My other banks decline it and text me to get my things together lol It finally has mobile deposit, but it glitches just as much as
  20. [R37] Union Bank & Trust Mobile 1/5 · US Cannot use Zelle: The app is really bad. Whenever I try to use Zelle through the app, it kicks me out. Super inconvenience!
  21. [R56] Union Bank & Trust Mobile 5/5 · US Zelle: I love the ease of the app. I wish I knew how to access Zelle while using it. I’ve been having to leave the app and go to ubt.com to use Zelle.
  22. [R118] Travis CU Mobile 1/5 · US Frustrating: It makes it so difficult just to pay your loan. And if you call to pay they charge you $10 more. Have to write a whole check and upload it just to make a payment, would be easier to just let you pay by card or by entering your checking account info.
  23. [R120] Travis CU Mobile 1/5 · US Terrible wait times: The app is so hard to reset when you forget user I’d/ password. Can’t mobile pay through app unless you have a checking account with them. Please change this and get with the times. Taking a pic of a check to pay a bill is kind of ridiculous.
  24. [R33] Union Bank & Trust Mobile 1/5 · US Don’t cash checks on the app: Why would it be an option to cash a check online if it takes longer than 4 days for it to be in my account? I need money and simply have to wait and hope it hits my account. No reliable banking app should have that problem.

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