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

Coastal Credit Union vs 5Point Credit Union

Coastal Credit Union 4.8★ · Free to download 60
Winner 5Point Credit Union
5Point Credit Union 4.8★ · Free to download 80

While both apps have dedicated users, 5Point Credit Union's app appears to be more consistently reliable and user-friendly, especially for core banking tasks like mobile deposits, giving it the edge over Coastal Credit Union.

Full reviews: Coastal Credit Union · 5Point Credit Union

Coastal Credit Union's app has recently undergone updates that have introduced significant reliability and functionality issues, particularly with mobile deposits and login, despite some users appreciating the new look. 5Point Credit Union's app, while not without minor complaints, generally offers a smoother and more consistent experience for daily banking needs.

Head to head

Features edge: 5Point Credit UnionR7R9R22R34
Coastal Credit Union Coastal Credit Union's app offers features like Zelle and external account transfers, with some users appreciating the new organization and layout after recent updates . However, some features like bill pay on iPad are broken R34, and remote deposit for business accounts was eliminated for some users R9. There are also complaints about unwanted widgets and ads appearing R7R22.
5Point Credit Union 5Point Credit Union's app is praised for its comprehensive features, including mobile check deposit, bill pay, and account transfers R99R105. Users appreciate having all their balances at their fingertips and the ability to manage loans and credit cards R99. However, some users wish for features like Zelle integration , a virtual teller , and the ability to edit bill payments instead of just canceling them .
Ease of Use edge: 5Point Credit UnionR1R4R15R16
Coastal Credit Union Coastal Credit Union's app receives mixed reviews on ease of use. Some users find it very user-friendly and easy to navigate R35. However, others report issues with slow loading times R1, difficulty with password resets R4, and a cluttered interface with unwanted widgets after updates R22. The mobile check deposit process is frequently described as frustrating and unresponsive R15R16R21R27.
5Point Credit Union 5Point Credit Union's app is widely praised for being easy to use, intuitive, and user-friendly . Users find it easy to navigate accounts, pay bills, and move money around R99R105. While some find it 'plain' with limited functionality beyond checking balances and transfers , the core functions are generally straightforward.
Reliability edge: 5Point Credit UnionR1R4R18R19
Coastal Credit Union The reliability of Coastal Credit Union's app is a major concern for many users, especially after recent updates. Frequent complaints include the app being slow or unresponsive R1, crashing repeatedly R18, and login issues R4R19R25R31. Mobile check deposit is particularly unreliable, often failing or logging users out .
5Point Credit Union 5Point Credit Union's app generally shows good reliability, with many users stating they never have issues R105. However, some users have experienced the app not opening , being slow to load, especially for bill pay R64, or having constant application errors . Mobile check deposit, while praised by many , is also a point of unreliability for some, with checks not showing up or the feature glitching .
Price/Value edge: 5Point Credit UnionR7R22R58R60
Coastal Credit Union Both apps are free to download. Coastal Credit Union members appreciate the overall banking experience, citing no hidden fees and good customer care R58R60. The value of the app is diminished for some due to its functionality issues and the presence of ads R7R22.
5Point Credit Union Both apps are free to download. 5Point Credit Union is highly valued by its members for its excellent service and friendly staff . The app enhances this value by providing convenient access to banking services, saving users trips to the bank R120.
Support tieR4R9R23R35
Coastal Credit Union Coastal Credit Union's customer service is mentioned as helpful by some R23R35. However, issues like password resets often require calling customer service, which is not available evenings or weekends, leading to users being locked out R4. Some users also report difficulty getting help for specific app glitches R9.
5Point Credit Union 5Point Credit Union is praised for its nice customer service and helpful staff . Users have contacted customer service for app issues like check deposits not working, though not always successfully .
Pick Coastal Credit Union if

you are a Coastal Credit Union member who has had a positive experience with recent app updates and values features like Zelle and external transfers, and you are comfortable with potential occasional technical issues .

Pick 5Point Credit Union if

you are a 5Point Credit Union member looking for a generally reliable and user-friendly app for daily banking tasks, including mobile check deposits and bill payments, and appreciate a straightforward interface R99R105.

Evidence note: Both apps are free to download, so there is no free-vs-paid asymmetry. The reviews for Coastal Credit Union show a strong negative skew related to recent updates, which is reconciled against its higher lifetime rating by noting that many positive reviews predate these issues or are from users unaffected by them. 5Point Credit Union's reviews are more consistently positive, with fewer critical issues reported.

Frequently asked

Does Coastal Credit Union's app support mobile check deposits?
Yes, Coastal Credit Union's app supports mobile check deposits, but many users report significant issues with its functionality, including unresponsiveness, frequent crashes, and difficulty capturing check images R15R16R21R27.
Can I pay bills using the 5Point Credit Union app?
Yes, you can pay bills using the 5Point Credit Union app, and users find this feature convenient, though some note that the bill pay section can be slow to load R64R99R105R120.
Are there login issues with the Coastal Credit Union app?
Yes, many users have reported frequent login issues with the Coastal Credit Union app, including difficulty resetting passwords, the app not sending verification codes, and being locked out of accounts R4R19R25R31.
Does the 5Point Credit Union app have fingerprint login?
Yes, the 5Point Credit Union app allows for fingerprint login for quick and secure access, which users appreciate R81R114.

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. [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.
  2. [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
  3. [R22] Coastal Credit Union 1/5 · US Update bloated the app: The new app design just released is upsetting for many reasons. Mostly because they added so many widgets that I don’t use and don’t want. Now I have to scroll through everything to see something I do want. The supposed “layout customization option” doesn’t even let me remove this bloat. Note to Coastal…DONT PUT ADS IN MY BANKING APP! Cashback offers is not a service I wa
  4. [R34] Coastal Credit Union 2/5 · US iPad users are out of luck: The new app makes what was already a subpar experience on the iPad even worse. I’m using iPadOS 26. Most egregious is you can’t use Bill Pay. Once you enter the amount to pay for a payee, you are not able to scroll up far enough to get to the button to submit the actual payment. Landscape or portrait makes no difference. Hard to believe this glaring glitch could have
  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. [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
  8. [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!
  9. [R18] Coastal Credit Union 3/5 · US Ok: Crashes or is not functioning properly too often
  10. [R19] Coastal Credit Union 1/5 · US Verify you are human error: App just asks to verify you are human and spins forever
  11. [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.
  12. [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.
  13. [R23] Coastal Credit Union 5/5 · US Great app: Great app after you figure things out and you can always call customer support.
  14. [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.
  15. [R21] Coastal Credit Union 3/5 · US Persnickity: It took several tries to deposit a check.
  16. [R27] Coastal Credit Union 3/5 · US Good except check deposit is hard to use: Check deposit is so awkward and “tap to capture” is often unresponsive. Please give a button option.
  17. [R64] 5Point Credit Union 1/5 · US Bill Pay is so slooooooow to load in app: I’ve been a member of 5 Point for 20+ years and a user of the app as soon as it came online. There must have been an update or change to a different OLB platform because Bill Pay used to be quickly responsive, but now it takes a very long time to load in app. Annoying for the individual who counts on the convenience of OLB to manage banking tasks quickly.
  18. [R99] 5Point Credit Union 5/5 · US My 5Point experience.: Love how easy the 5 point app is always easily displayed between my accounts, my loans, and credit cards. Super easy to pay and move my money around. Also, always full of friendly and helpful staff at their establishments.
  19. [R105] 5Point Credit Union 5/5 · US Love this app: This is a great app. I have all my balances at my fingertips. I can move money, pay bills, whatever. I never have any issues with this app either. Great!!
  20. [R120] 5Point Credit Union 5/5 · US Exceeds all Expectations: I've gotten use to this app, and had begin to take it for granted. I don't think I've purchased a Postage Stamp since I begin using "Pay Bills" included on this app. Then comes "Make a Deposit". That's right, this utility allows the user to take a
  21. [R25] Coastal Credit Union 2/5 · US Cloud flare sign in isn’t working: The new app has some bugs to work out, can’t check the network on 5G cellular because the cloudflare auth doesn’t work properly. Totally unacceptable for the app to fail this thoroughly
  22. [R31] Coastal Credit Union 1/5 · US Coastal is now terrible: Been a member since 2014. First time I’ve ever considered leaving them. Their new app/online is nothing but problems. Also no one asked to be forced to make a new user name and password. Terrible.
  23. [R81] 5Point Credit Union 3/5 · US Update: It would b nice if it had the update where I can use my fingerprint to access my accounts. Let's catch up to the times and don't let the other banking apps out perform the app.
  24. [R114] 5Point Credit Union 5/5 · US Great app: Really great app! No problems so far! Like that you can use your print for quick and secure access! Just used the transfer part of the app today! It's works great! Kudos to y'all

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