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

FCU Mobile Banking vs HawaiiUSA FCU Mobile Banking

FCU Mobile Banking 4.9★ · Free to download 65
Winner HawaiiUSA FCU Mobile Banking
HawaiiUSA FCU Mobile Banking 4.9★ · Free to download 75

HawaiiUSA FCU Mobile Banking (App B) has a slight edge due to more consistent positive feedback on its core banking features and fewer critical issues compared to FCU Mobile Banking (App A).

Full reviews: FCU Mobile Banking · HawaiiUSA FCU Mobile Banking

Both FCU Mobile Banking and HawaiiUSA FCU Mobile Banking are free apps with high lifetime ratings, but recent reviews for FCU Mobile Banking reveal significant issues with app stability, login, and missing features like Zelle, while HawaiiUSA FCU Mobile Banking users report fewer critical bugs and appreciate its convenience despite some mobile deposit and login frustrations.

Head to head

Features tieR3R6R9R12
FCU Mobile Banking Users praise FCU Mobile Banking for its ease of use, quick balance checks, and bill pay, but frequently request Zelle integration and mobile check deposit reliability. Some users also desire the ability to renew CDs online and more detailed account information.
HawaiiUSA FCU Mobile Banking HawaiiUSA FCU Mobile Banking is lauded for its convenience in checking balances, making payments, and transfers. However, users frequently report issues with mobile check deposit functionality and some wish for the ability to pay credit cards within the app and to see account numbers more easily.
Ease of Use edge: HawaiiUSA FCU Mobile BankingR4R13R14R15
FCU Mobile Banking Many users find FCU Mobile Banking easy to use, simple, and convenient for managing accounts, with some appreciating its straightforward interface. However, a significant number of recent reviews highlight difficulties with logging in, card locking/unlocking, and general app responsiveness.
HawaiiUSA FCU Mobile Banking HawaiiUSA FCU Mobile Banking is generally described as easy to use, convenient, and user-friendly for managing transactions and balances. Some users, however, report persistent login issues, especially after updates or when not on Wi-Fi, and frustration with captcha loops.
Reliability edge: HawaiiUSA FCU Mobile BankingR1R15R16R18
FCU Mobile Banking FCU Mobile Banking faces significant criticism for its reliability, with users reporting frequent crashes, inability to log in, deleted accounts, and issues with alerts and notifications. Some attribute these problems to recent updates and infrastructure changes.
HawaiiUSA FCU Mobile Banking HawaiiUSA FCU Mobile Banking users experience reliability issues primarily with mobile check deposits, app crashes during submission, and delayed transaction updates. Login problems, especially after updates or without Wi-Fi, are also noted.
Price/Value tieR8R17R30R34
FCU Mobile Banking Both apps are free to download and users generally appreciate the value of having mobile banking access. FCU Mobile Banking users express satisfaction with the overall banking experience, citing good features and customer service.
HawaiiUSA FCU Mobile Banking HawaiiUSA FCU Mobile Banking users find the app to be a valuable and convenient tool for managing their finances, saving time by avoiding physical bank visits. The free access to these services is highly appreciated.
Support edge: HawaiiUSA FCU Mobile BankingR2R10R13R16
FCU Mobile Banking FCU Mobile Banking receives mixed reviews for support. Some users praise the customer service representatives for being patient, understanding, and professional, and appreciate the live chat. However, others report long hold times, unhelpful agents, and staff being rude or ignorant.
HawaiiUSA FCU Mobile Banking HawaiiUSA FCU Mobile Banking users commend the helpful, accommodating, smart, and patient agents available over the phone for login issues. However, some find the in-app chat frustrating due to robot misunderstandings and interface issues.
Pick FCU Mobile Banking if

you are an existing FCU member who values a simple interface and has not experienced the recent technical issues, or if Zelle is not a critical feature for your banking needs .

Pick HawaiiUSA FCU Mobile Banking if

you need a mobile banking app that is generally reliable for core functions like checking balances and transfers, and you value strong phone support for account issues, even if mobile check deposit can be finicky .

Evidence note: Both apps have very high lifetime ratings, but recent negative reviews for FCU Mobile Banking suggest a decline in app performance and user satisfaction, particularly around reliability and missing features. HawaiiUSA FCU Mobile Banking also has negative recent reviews, but they are less severe and widespread compared to FCU Mobile Banking.

Frequently asked

Do these apps support Zelle for transfers?
FCU Mobile Banking (App A) does not currently support Zelle, which is a frequent request from its users who find external transfers too slow without it R3R9R26. The reviews for HawaiiUSA FCU Mobile Banking (App B) do not mention Zelle, suggesting it may also not be a prominent feature.
Are there issues with mobile check deposit?
Yes, both apps have reported issues with mobile check deposit. FCU Mobile Banking (App A) users state the feature often does not work, even after reinstalling the app R6R18. HawaiiUSA FCU Mobile Banking (App B) users frequently experience the app crashing during the mobile deposit process or having difficulty reading checks, requiring multiple attempts or in-person visits R61R67.
How do these apps handle login and account access?
FCU Mobile Banking (App A) users report significant and frequent problems with logging in, with the app constantly logging them out, saying it's experiencing difficulties, or not loading the sign-in screen R13R16R24R25. HawaiiUSA FCU Mobile Banking (App B) users also face login challenges, including issues with verification widgets, not remembering usernames, not saving passwords, and inability to log in without Wi-Fi, especially after phone updates .

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] FCU Mobile Banking 3/5 · US Really needs Zelle: How long it takes to transfer from another bank is way too long. Every other account I have has Zelle. I like most everything else about FCU but they need to speed up their speeds on external account transfers. It’s not good.
  2. [R6] FCU Mobile Banking 3/5 · US Why can't I direct deposit checks from my phone?: Other banks that I banked with gives you the ability to take a photo of my check and deposit it that way with this bank since I moved I have to drive 45+ mins one way just to cash a check it's insane and will be the only reason I change banks.
  3. [R9] FCU Mobile Banking 3/5 · US Waiting for Zelle: I have been with FCU for decades. Have always loved it. I’m now stuck at a crossroads with as much as I need Zelle, I’m hoping FLCU will consider it soon.
  4. [R12] FCU Mobile Banking 3/5 · US Renewing cd: I wish FCU would allow us to renew a cd online. Why make us drive to the CU and wait for someone to do it in person?
  5. [R4] FCU Mobile Banking 1/5 · US Card: They won’t let me unlock my mf card I js want a spicy mcchicken
  6. [R13] FCU Mobile Banking 1/5 · US Can't sigh in or sign up: I just got my card from Buchholz High School, and they didn't give me my account number or ask what I want set for my password, I'm try to ask them for the FCU Staff in buchholz high but they just don't car aboute
  7. [R14] FCU Mobile Banking 5/5 · US Great bank: Love the quick and handy app also.
  8. [R15] FCU Mobile Banking 3/5 · US App: I often have issues with the app. Being able to lock or unlock my card. In these times especially not being able to unlock my card and get to my money when needed has made me think about switching banks. It’s very frustrating to be standing in line to pay for something with people behind me, and my app keeps saying… Oops… It’s not an oops when I can’t access my money! So I hope you guys work
  9. [R1] FCU Mobile Banking 1/5 · US App sucks: App sucks
  10. [R16] FCU Mobile Banking 1/5 · US Worst bank I ever had: The app constantly logs me out my account . And just now it deleted my checking and saving account . Do not recommend this bank to anyone. This is the most stupidest app I ever had , and please don’t try to call they’ll put u on hold for hours just to tell u to “update the app” like that’s now the first thing I thought of when I got logged out my account honestly just switch
  11. [R18] FCU Mobile Banking 3/5 · US Mobile deposit: Mobile deposit feature does not work. This is the third time I’ve had this problem, twice before I uninstalled/reinstalled the app and the feature worked, but this time it didn’t make any difference. If they’d fix that, the app would be ok.
  12. [R8] FCU Mobile Banking 5/5 · US FCU: Best Credit Union! Glad I switched!
  13. [R17] FCU Mobile Banking 5/5 · US Love this bank in FL: New to Federal Credit Union but I do love it so far as it has better features than your traditional banks. Very happy with them and encourage others to bank with them as well.
  14. [R30] FCU Mobile Banking 5/5 · US Review: This new app is 100 percent more user friendly thanks for the changes keep up the great work. I love banking at FCU they offer so many different accounts needed by retired people .also they are so friendly and professional in every way every day. Thank you for being there for me . Barbara Moran Ocala, Fl
  15. [R34] FCU Mobile Banking 5/5 · US FCU: I have been with Florida Credit Union for over 10 years and I love this bank. I would not change financial institutions for the world. The customer service is awesome, the call center is always willing to help and their attitude is positive. I love FCU
  16. [R2] FCU Mobile Banking 5/5 · US Banking: On time and ther customer service is great
  17. [R10] FCU Mobile Banking 1/5 · US shameful: i just cant say anything good here. the app asked for a review so here it is. i had a store deposite my check to a wrong account and then treated me like a criminal when i tried to rectify the situation separate from above, the staff is rude and ignorant. and its just slightly better than some of banks here. im appalled with my experience but i guess its better than wells fargo or b
  18. [R26] FCU Mobile Banking 4/5 · US No Zelle in app.: I was going to switch to Florida, Credit Union, but they don’t have Zelle in their app so I’m keeping my U.S. Bank even though there’s no branch here, but I will keep both of them and hope that FCU will get it. It just makes things so much easier. 
  19. [R61] HawaiiUSA FCU Mobile Banking 1/5 · US Used to work great: App used to work great. Every time you try to use mobile deposit, right at the last step where you submit your check the app constantly crashes.
  20. [R67] HawaiiUSA FCU Mobile Banking 1/5 · US Worst Banking App: Out of all the banking apps I’ve used, this is by far and away the worst one. It crashes consistently, will take eons to load unless I refresh the app, and fail to read my checks for mobile deposit despite clear handwriting and proper backgrounds. I haven’t used the app once and been happy with it, even if its something as simple as checking my checking account. Switching banks
  21. [R24] FCU Mobile Banking 3/5 · US Lagging to Load: When I click on the app, this happens multiple times, it will not load. I like how I can see my checking without logging in, but it takes forever to load the initial sign in screen!
  22. [R25] FCU Mobile Banking 1/5 · US Useless App: This app is in line with FCU performance. It never works, always crashes, no one answers the number when you’re asked to call because log in doesn’t work. They can’t even get the basics right. There is a hurricane touching down and people cannot even use their bank card or access accounts. Get your stuff together of you’re going to be out of business soon.

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