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

Coastal Credit Union vs Navy Federal Credit Union

Coastal Credit Union 4.8★ · Free to download 45
Winner Navy Federal Credit Union
Navy Federal Credit Union 4.9★ · Free to download 60

While both apps have recent issues, Navy Federal Credit Union's app generally offers a more reliable experience despite frequent maintenance, making it the slightly better choice over Coastal Credit Union's app, which struggles with fundamental banking functions.

Full reviews: Coastal Credit Union · Navy Federal Credit Union

Coastal Credit Union's app faces significant reliability and functionality problems, particularly with mobile deposits and password resets. Navy Federal Credit Union's app, while also experiencing frequent maintenance and some display bugs, is generally more functional for core banking tasks.

Head to head

Features tieR3R6R7R9
Coastal Credit Union Coastal Credit Union users appreciate some new features and a modern look, but lament the loss of business account remote deposit, difficulty with external account syncing, and the absence of dark mode. Some find the new layout cluttered with unwanted widgets and ads.
Navy Federal Credit Union Navy Federal Credit Union users praise the ease of use for transfers and statements, and recent improvements to credit card points. However, they desire a widget, dark mode, and a clear auto-pay option. Some report issues with 'My Savings Goals' and a glitchy travel site.
Ease of Use edge: Navy Federal Credit UnionR1R4R5R15
Coastal Credit Union Many Coastal Credit Union users find the app slow, unresponsive, and difficult to navigate, with specific complaints about check deposit functionality and password resets. Some newer updates have improved navigation for some, but others find the new UI less intuitive.
Navy Federal Credit Union Navy Federal Credit Union users generally find the app easy to use for daily tasks like checking balances and transfers. However, some report slow loading times, issues with the 'switch user' feature, and display problems on certain iPhone models.
Reliability edge: Navy Federal Credit UnionR1R3R10R12
Coastal Credit Union Coastal Credit Union's app is frequently criticized for being unreliable, slow, crashing, and having bugs that prevent basic functions like bill pay, mobile deposits, and login. Users report issues with verification, account syncing, and general unresponsiveness.
Navy Federal Credit Union Navy Federal Credit Union's app is frequently down for maintenance, which frustrates users trying to access their accounts or make payments. Additionally, users report issues with freezing, login problems, and badge notifications that won't clear.
Price/Value tieR14R15R58R60
Coastal Credit Union Coastal Credit Union users appreciate the credit union model, citing no hidden fees and good customer care. The app is free to download.
Navy Federal Credit Union Navy Federal Credit Union users value the competitive rates and the overall quality of the bank and app. The app is free to download.
Support edge: Coastal Credit UnionR4R23R35R39
Coastal Credit Union Coastal Credit Union users report difficulty reaching customer service for password resets, especially outside business hours. However, some find the in-app chat responsive and helpful.
Navy Federal Credit Union Navy Federal Credit Union users complain about long wait times for live agents in chat and on the phone, with some instances of customer service not being helpful for urgent matters.
Pick Coastal Credit Union if

you are an existing Coastal Credit Union member who primarily needs to check balances and make simple transfers, and you are willing to tolerate occasional app unreliability and potential issues with advanced features like mobile deposits R5R35.

Pick Navy Federal Credit Union if

you are eligible for Navy Federal Credit Union membership and prioritize a banking app that, despite frequent maintenance periods, generally handles core banking functions well, including transfers and credit card management, and has a large, active user base .

Evidence note: Coastal Credit Union's reviews show a strong negative skew in recent feedback, indicating a decline in app quality following updates, despite a higher lifetime rating. Navy Federal Credit Union also has many recent negative reviews, primarily about maintenance and login issues, but its overall functionality seems less critically broken than Coastal's.

Frequently asked

Which app is better for mobile check deposits?
Navy Federal Credit Union's app is generally better for mobile check deposits, as Coastal Credit Union's app frequently receives complaints about its mobile deposit feature being unresponsive, crashing, or rejecting checks R15R16R45R47. Navy Federal also has some mobile deposit complaints, but they are less frequent and severe .
Do either of these apps have dark mode?
Neither Coastal Credit Union nor Navy Federal Credit Union's app currently offers a dark mode option, which is a requested feature by users of both apps R6R101.
Which app has better customer support?
Coastal Credit Union's app appears to have slightly better customer support, with users reporting responsive in-app chat, although phone support can be difficult for password resets outside business hours R4R23R35. Navy Federal Credit Union users frequently complain about long wait times for customer service R69.

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] Coastal Credit Union 3/5 · US Good news, bad news: Good news: Coastal Credit Union is a great institution and the iPad app finally works in landscape orientation. Bad news: Since some update to the app or iOS, bill pay can’t be completed in the app, so it’s just a convenient way to check your balances. This glitch also affects the Mac laptop. Why?
  2. [R6] Coastal Credit Union 3/5 · US Wish it had dark mode: Loving the new update, looking modern and has nice features for managing everything. I just wish there was a toggle for dark mode, that would convince me to no longer need another banking app
  3. [R7] Coastal Credit Union 2/5 · US Ads are annoying: The new app is fine but the ads that appear above my account balances are annoying. No matter how many times I remove them, they always come back.
  4. [R9] Coastal Credit Union 3/5 · US Remote Deposit Downgraded: The recent upgrade eliminated my ability to make a remote deposit to my Business Checking account - a capability I’ve had for several years. The call center agent said I would need to set up a separate online ID for the business accounts, a needless complication in my user experience. This loss of functionality was not included in pre-upgrade communications, so perha
  5. [R1] Coastal Credit Union 1/5 · US Unreliable: Sometimes the app works like you would expect an app to work in 2026. Most of the time it works like dialup. I’ll tap on something to access it and I wonder if my phone has frozen or locked up. If I tap on my checking account to see transactions, it can take up to 15 seconds for it to open.
  6. [R4] Coastal Credit Union 1/5 · US App needs a rework: Have been a Coastal member since 2003. Unfortunately the last year of using the app has presented some issues from an end user perspective. How does one reset the password? This is basic functionality that does not exist in the app. One is prompted to call customer service which is not available in the evenings or on weekends. We have been locked out of our account for two d
  7. [R5] Coastal Credit Union 5/5 · US Coastal app: Always works great for me! Checking loot. Transferring loot. Clock it 👌
  8. [R15] Coastal Credit Union 3/5 · US Mobile deposits: I love working with Coastal and the fact that it’s not one of these huge national for profit banks. However, their mobile app leaves much to be desired, particularly when it comes to depositing a check. Over the course of several different, smart phones with increasingly better cameras, the check capture photography often times does not work to the point of frustration. Need to ge
  9. [R10] Coastal Credit Union 1/5 · US Bug fix broke it entirely: Sigh. The children are back at Coastal. The bug fixes today broke the app completely. Someone call the adults and let them know what the kids are doing.
  10. [R12] Coastal Credit Union 3/5 · US Bank is great, app is wonky most days: The bank and stag are great. The app is hit or miss and sometimes features don’t work consistently
  11. [R14] Coastal Credit Union 5/5 · US Satisfied Customer: Coastal Credit Union cares about our banking needs.
  12. [R58] Coastal Credit Union 5/5 · US Online banking: The experience is always pleasant. The best decision o ever made was open an account with Coastal Credit no hidden fees and always taking care of the customers.
  13. [R60] Coastal Credit Union 5/5 · US 30 years: I have been with Coastal for nearly 30 years. Always been reliable with very kind staff. Even though I moved to TN, I still bank with Coastal.
  14. [R23] Coastal Credit Union 5/5 · US Great app: Great app after you figure things out and you can always call customer support.
  15. [R35] Coastal Credit Union 5/5 · US I love you Coastal: Might be biased cause this is the only bank I’ve had. The app is genuinely so easy to navigate, the chat box never has a long wait & you can do so many things without needed to get on a call.
  16. [R39] Coastal Credit Union 1/5 · US Single worst update a bank could make: They updated the whole system and made it worse. I can’t login and god forbid you try to call a representative about it. Don’t try they can’t help you recover your username or password now. You have to do it through the app. And guess what??? If the app just DOESN’T send you your code you can’t get into your bank account!!! I love when these people play with
  17. [R16] Coastal Credit Union 1/5 · US Check deposit: This is SOOOOO frustrating and does not work. I want to save time and coastal credit union adds more stress and wastes time 2026 i am leaving you toxic folks behind!
  18. [R45] Coastal Credit Union 1/5 · US Check deposit: Long-standing problem: the phone app is NOT RESPONSIVE AT ALL for online check deposits: it requires numerous tries (8, at last count) before photos of the check are taken. Going forward, I am moving all my deposits to another institution.
  19. [R47] Coastal Credit Union 1/5 · US Mobile Deposit Feature Stinks: The mobile deposit feature on this app is so finicky. Half the time it rejects the deposits even when following the instructions for endorsing and imaging to a tea. I can't tell you how many times I've had to drive to the bank to deposit a check due to this feature not working properly. Please get this fixed!!
  20. [R101] Navy Federal Credit Union 4/5 · US Dark Mode?: Please add a dark mode option. Please.
  21. [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.

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