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

Travis CU Mobile vs Mountain America CU

Travis CU Mobile 4.8★ · Free to download 65
Winner Mountain America CU
Mountain America CU 4.7★ · Free to download 70

Mountain America CU has a slight edge over Travis CU Mobile, primarily due to its more consistent app performance and better user experience, despite both apps facing significant issues with recent updates.

Full reviews: Travis CU Mobile · Mountain America CU

Both Travis CU Mobile and Mountain America CU apps have recently struggled with updates, leading to user frustration regarding functionality and reliability. While Travis CU Mobile users report issues with AI, login, and mobile deposits, Mountain America CU users experienced widespread outages and login problems after their updates. Mountain America CU ultimately edges out Travis CU Mobile due to slightly better overall app stability and customer service experiences.

Head to head

Features tieR2R9R13R15
Travis CU Mobile Travis CU Mobile users desire features like direct deposit forms within the app and the return of a memo section in Bill Pay R2R13. Many express frustration with the lack of Zelle integration, despite the website claiming it's available R9. Users also wish for more modern payment options, such as debit card or electronic transfers for loan payments, instead of checks R15R58R60.
Mountain America CU Mountain America CU users appreciate having all banking and loan information at their fingertips . However, some users note that certain functionalities, like adding memos for transfers and detailed transaction information, have been removed in updates . There are also reports of Zelle not loading or working properly .
Ease of Use tieR1R3R4R7
Travis CU Mobile Travis CU Mobile receives mixed reviews on ease of use. Some users find it easy to navigate and user-friendly . However, a significant number of recent reviews describe the app as slow, glitchy, and difficult to navigate, especially after updates R3R4R10. Specific complaints include issues with login, password resets, and an AI feature that incorrectly categorizes transactions R1R7.
Mountain America CU Mountain America CU users generally find the app's layout easy to see and organized . Many describe it as easy to use and convenient . However, recent updates have introduced significant hurdles, with users reporting repeated OTP step-ups , difficulty logging in , and a cumbersome phone call verification process . Some users also found the update made profiles difficult to manage .
Reliability edge: Travis CU MobileR3R10R16R19
Travis CU Mobile Travis CU Mobile users report frequent issues with the app freezing, being slow, and not opening R3. Mobile deposit features are particularly problematic, with screens going black, auto-capture failing, and deposits not processing correctly R16R24R34. Users also experience failed transfers and delayed transaction postings R19. Some updates have made the app unusable or caused it to look like a "jumbled mess" R10.
Mountain America CU Mountain America CU has faced severe reliability issues, particularly after recent system updates, which led to a 4-day shutdown of online banking and the app R76R85R91R93. Users reported being unable to access accounts, view transactions, or make transfers during these periods . Even outside of major outages, the app sometimes doesn't load on WiFi , shows incorrect values for linked accounts , and notifications are unreliable .
Price/Value edge: Mountain America CUR15R28R58R60
Travis CU Mobile Travis CU Mobile users express dissatisfaction with a $10 fee charged for making credit card payments from an external bank, noting that other institutions do not charge for this R28R58. Some also complain about being forced to use checks for loan payments or incurring a $10 fee for phone payments R15R58R60.
Mountain America CU Mountain America CU reviews do not explicitly mention app-related fees. However, some users complain about holds placed on mobile deposits, which can impact access to funds R63.
Support edge: Travis CU MobileR4R14R17R20
Travis CU Mobile Travis CU Mobile receives positive feedback for its customer service, with users describing it as great, excellent, and quick to find solutions R14R17R20. However, some users find it extremely difficult to contact customer service through the app R4.
Mountain America CU Mountain America CU customer service receives mixed reviews. Some users praise the friendly, professional, and helpful staff, especially during system updates . Conversely, other users describe customer service as frustrating, inept, and bad, citing issues with fraud processes and unresponsiveness to inquiries .
Pick Travis CU Mobile if

You prioritize strong customer service and are willing to overlook some app glitches and missing features, especially if you prefer in-person banking or are a long-time member R14R17R20.

Pick Mountain America CU if

You value a generally well-organized app layout and are confident that the recent severe reliability issues were temporary and have been resolved, as many users praise the app's overall ease of use when it functions correctly .

Evidence note: Both apps have a high lifetime rating but recent reviews for both are heavily skewed negative, indicating significant issues following recent updates. The free nature of both apps means there's no free-vs-paid asymmetry to consider.

Frequently asked

Are there any fees for using the Travis CU Mobile app?
Yes, Travis CU Mobile charges a $10 fee for making credit card payments from an external bank account, and a similar fee if you call to make a loan payment instead of using checks R28R58.
Does Travis CU Mobile support Zelle?
Despite the Travis CU website stating Zelle should be available, users report that Zelle does not work within the app and is not visible R9.
What were the main issues with Mountain America CU's recent updates?
Mountain America CU's recent updates caused a widespread shutdown of online banking and the app for up to four days, preventing users from accessing accounts, viewing transactions, or making payments, particularly problematic at the beginning of the month R76R85R91R93.
Do either of these apps have reliable mobile deposit features?
Neither app has consistently reliable mobile deposit features; Travis CU Mobile users report issues with screens going black, auto-capture failures, and deposits not processing R16R24R34, while Mountain America CU users experience holds on mobile deposits R63.

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. [R2] Travis CU Mobile 4/5 · US Add direct deposit form: It would be nice if Travis offered the option to download direct deposit authorization forms direct from the app like other credit unions and banks do. Just a thought for future update. Thanks!
  2. [R9] Travis CU Mobile 3/5 · US App redesign is OK - Missing Zelle: Had login issues saving passwords or using Face ID with previous version, improved with update. Zelle does not work. It’s not even visible from within the app, even though the website says it should be there. Using zelle app routes you back to the TCU app with no resolution. Almost there!
  3. [R13] Travis CU Mobile 2/5 · US Bill Pay Memo Section: I’m disappointed that the memo section/text box in Bill Pay has been removed. Why did you remove it? Will you please add this feature back to Bill Pay? Thanks! UPDATE 11-12-24: The memo feature has always worked when logging in via the website, however, it’s still unavailable on the TFCU App. I’ve used bill pay a few times since your response to no avail.
  4. [R15] Travis CU Mobile 3/5 · US Could be better: Would be more convenient if we could make our loan payments with debit card or electronic transfer instead of having to buy checks just make a payment to you. Nobody uses checks anymore. You should get with the times.
  5. [R1] Travis CU Mobile 1/5 · US Stop with AI: Whatever this new AI situation you have going on with categorizing and renaming transactions needs to go. Month in and month out I am constantly reverting things back to the original name (payroll company name for example) because the AI constantly changes it to the wrong thing. I absolutely hate it, it’s inefficient, and annoying. If you’re going to push the feature out, at least gi
  6. [R3] Travis CU Mobile 3/5 · US Convenient but freezes too much: The app while convenient is slow. I often have to close and reopen it just to be able to do anything or look at my money. Other banking apps are not this slow and glitchy.
  7. [R4] Travis CU Mobile 1/5 · US This has got to be the worst app for a credit union ever: The app/company is poorly designed with uneasy access to information and its extremely difficult to contact customer service. Multiple times it has happened where a payment was made and a confirmation number was received only to find out that it did not actually go through and I was never notified. Resulting in it appearing as a late paymen
  8. [R7] Travis CU Mobile 2/5 · US Log in trouble: I am no longer able to log in by my computer only by phone. It is extremely frustrating.
  9. [R10] Travis CU Mobile 2/5 · US New update: What the heck happened? It all of a sudden looks like a complete jumbled mess, and it won’t let me properly log out, which means that when I try to open it again, it may not let me since all I did was close the app instead of logging out. It literally worked fine, what was this update supposed to do?
  10. [R16] Travis CU Mobile 2/5 · US Deposit feature broken: Every time I try to do a mobile deposit my screen goes black. My camera works perfectly fine. I have to kill the app after that and try again. Same thing. This isn’t the first time I tried to deposit through app.
  11. [R19] Travis CU Mobile 2/5 · US Failed Transfers: I have done numerous instant transfers from my savings to credit card and they have not posted. However the money was promptly removed from my savings account. The app is going down hill.
  12. [R28] 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
  13. [R58] 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.
  14. [R60] 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.
  15. [R14] Travis CU Mobile 5/5 · US Team: Great customer service!
  16. [R17] Travis CU Mobile 5/5 · US Banking with Travis Credit Union: To whom it may concern, I been with Travis Credit Union for over 15 years. This bank is hands down is the BEST in customer satisfaction. They always provide a warm sincere welcome every time I walk into the bank at the Vallejo branch with a smile. Even on the phone, the customer service is excellent. It’s a great feeling to be part of a bank which has employees w
  17. [R20] Travis CU Mobile 5/5 · US Loyal customer: I’ve been with Travis credit union for many years now and have always had good experiences. Even when something has gone wrong or needed attention, they were understanding and quick to a solution. Even now that I’m out of state, I still keep my account active because they’re that good.
  18. [R76] Mountain America CU 2/5 · US 4 day shut down: Shut down for 4 days, I expect a pristine app experience now. This morning without warning the app is down again
  19. [R85] Mountain America CU 1/5 · US System updates: the person(s) who decided that shutting down the online banking system for an entire weekend+ should be fired. I live 2 hours from a branch so I rely on mobile deposits, I also rely on the app to transfer funds in order to Venmo my subcontractors. Thankfully I have another financial institution, which you guys have made me use. Now that my most recent deposits are in that account,
  20. [R91] Mountain America CU 1/5 · US I don’t want to be their customer anymore: The changes they implemented that made them shutdown everyone’s access to the app destroyed hundreds of people’s financial security in one weekend. The executive who approved this needs to be shamed and lose their job.
  21. [R93] Mountain America CU 1/5 · US System update: Who’s big idea was it to update everything all at once the first week of the month??!! Doesn’t even allow for any kind of online transactions!!! Then when I call they told me to just pull cash out. People have bills that they can’t just go pay with cash!!!
  22. [R24] Travis CU Mobile 2/5 · US Redesign ruined the app: I’ve been using this app for years with no problems until the recent update. The new auto capture feature for the deposit never works properly. The old version had a manual capture that worked just fine every time but now I have to wait for the auto capture to fail multiple like it always does before it will allow me to do it manually. It makes the whole process take way l
  23. [R34] Travis CU Mobile 1/5 · US Used to be great.: This app used to be great and I never had a problem with them before now, this new update made the mobile deposit much worse to the point it’s unusable, first it automatically try’s to take the picture for you and doesn’t read the check correctly, after I took it manually a second time it still said it couldn’t read it and asked me to do it again. The third time it finally worke
  24. [R63] Mountain America CU 3/5 · US Deposits: Most of the time they place a hold on mobile deposit. Apparently all of the fraud even though I’ve had my account for 10 years without any issues. On one I understand they have to combat fraud on the other hand. It’s very difficult because I can’t always get away to make a deposit.

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