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

Meritrust Mobile vs Meritrust Business

Meritrust Mobile 4.6★ · Free to download 45
Winner Meritrust Business
Meritrust Business 4.8★ · Free to download 55

Meritrust Business has a slight edge over Meritrust Mobile, primarily due to fewer critical issues with basic functionality, despite both apps receiving mixed reviews regarding recent updates.

Full reviews: Meritrust Mobile · Meritrust Business

Meritrust Mobile users frequently report significant issues with app stability, login problems, and a clunky, unintuitive interface after a recent update. Meritrust Business also faces criticism for mobile deposit functionality and slow performance, but its core banking features appear more reliable for many users.

Head to head

Features and Functionality tieR3R6R12R40
Meritrust Mobile Meritrust Mobile users express frustration with the new app's features, noting a lack of payee details in bill pay, difficulty with loan payments requiring transfers to a savings account, and the absence of a quick view widget R3R6R12. Some users also report issues with Plaid integration and the inability to make payments ahead R40.
Meritrust Business Meritrust Business users frequently report problems with mobile check deposit functionality, citing blurry cameras, the app not recognizing phone rotation, and general unreliability R63R73R79. Some users also desire features like card locking and the ability to view payment history .
Ease of Use and Interface edge: Meritrust BusinessR7R15R21R24
Meritrust Mobile Many Meritrust Mobile users find the new app confusing, unintuitive, clunky, and slow R7R15R21R24. There are complaints about the outdated design, difficulty finding account information, and issues with the keyboard not appearing for number input R24.
Meritrust Business Meritrust Business users describe the app as slow and sometimes inconvenient, with a timeout feature that is too short . While some find the layout clean and easy to navigate, others suggest interface improvements are needed .
Reliability and Performance edge: Meritrust BusinessR1R4R13R25
Meritrust Mobile Meritrust Mobile users report significant reliability issues, including the app never loading, crashing repeatedly, freezing, and login failures R1R4R13R25. Recent iOS updates have reportedly made the app unusable for some, with constant error messages R46.
Meritrust Business Meritrust Business also experiences performance issues, with users noting the app is slow, takes a long time to load, and sometimes shows an 'Application Error' preventing login . Pending items sometimes take days to show, leading to potential overdrafts .
Customer Service and Support edge: Meritrust BusinessR5R41R23R51
Meritrust Mobile Meritrust Mobile users have mixed experiences with customer service, with some praising helpful representatives and quick responses R5R41R23R51. However, others report difficulty reaching support via phone or getting callbacks, and some issues remain unresolved despite calls R25.
Meritrust Business Meritrust Business users generally commend the credit union's customer service, highlighting helpful, knowledgeable, and friendly employees . Some users note that support pages often lead to contacting them during bank hours, limiting the online experience .
Pick Meritrust Mobile if

You are an existing Meritrust member who values in-person branch service and has found recent app updates to improve performance, or you appreciate the ability to manage your account from anywhere despite occasional glitches .

Pick Meritrust Business if

You are a business customer who needs to manage accounts on the go and prioritize generally fluid navigation and good customer service, even if mobile check deposit can be unreliable .

Evidence note: Both apps are free to download, so there is no free-vs-paid asymmetry. Reviews for both apps indicate significant dissatisfaction with recent updates, leading to a negative skew in recent feedback compared to lifetime ratings. Many users explicitly state they preferred the 'old app' for both services.

Frequently asked

Do Meritrust apps support mobile check deposit?
Yes, both Meritrust Mobile and Meritrust Business apps offer mobile check deposit, but many users report significant issues with the camera function, blurry images, and the app not recognizing phone rotation, making the feature unreliable for some R63R73R79R85.
Are there login issues with Meritrust apps?
Yes, users of both Meritrust Mobile and Meritrust Business frequently report login problems, including the app not loading, constant errors, being unable to get past the login screen, or requiring frequent re-verification of the device R4R13R46R57.
Do Meritrust apps have widgets for quick balance checks?
Meritrust Mobile users miss the old app's 'quick view' widget for balances, indicating the current version lacks this feature R12R43R30. The reviews for Meritrust Business do not mention a quick balance widget.

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] Meritrust Mobile 3/5 · US Bill Pay - Can’t see payee details: Why can’t I see the address info of the payees I’m paying in bill pay? It’s nice it finds something and seems to confirm with zip code, but I don’t feel confident that a smaller local company is going to the right place. I don’t need to have the ability to change anything, simply show me a street address. Finances are about how we feel as much as functionality.
  2. [R6] Meritrust Mobile 3/5 · US Loan payments: I’m regretting switching my loan payment over to this credit union. They’ve serviced it well. The problem is how tough they make it to simply make a payment. They require the customer have a savings account and that they make the payments from it. So there’s this huge hassle every month to make an external transfer into this account (which takes at least a day or two to process) bef
  3. [R12] Meritrust Mobile 3/5 · US Needs a widget: I miss the old app that had the “quick view” widget for balances.
  4. [R40] Meritrust Mobile 1/5 · US It’s back to not working with plaid: This is the third time this has happened and the interface is still often buggy at times
  5. [R7] Meritrust Mobile 1/5 · US Confusing: I’ve had a couple auto loan apps and this one is by far the most not self explanatory app when it comes to transferring money into the account and around the account. Very frustrating app to work with and set up auto payments 🙅
  6. [R15] Meritrust Mobile 3/5 · US Awful app.: Meritrust used to have the best app of all the financial institutions I use. Then they upgraded and now it’s awful. Very unintuitive.
  7. [R21] Meritrust Mobile 3/5 · US Not an improvement: I was very happy with the old app. This one is slow and every operation takes more steps.
  8. [R24] Meritrust Mobile 3/5 · US Clunky: The new app is clunky and slow. It looks like it was developed 15 years ago and is honestly an eyesore. It feels like they didn’t put in the effort to hire a UX designer for this project. In the end, the app gets the job done. However, Meritrust should step up their development game.
  9. [R1] Meritrust Mobile 1/5 · US Never loads: It’s like you need to be tapped into a nasa satellite to even load the app
  10. [R4] Meritrust Mobile 1/5 · US App won’t work: This app is garbage. No matter how many times I try, I can never log into it.
  11. [R13] Meritrust Mobile 1/5 · US Trash: The app crashes over and over, never loads or pulls up, constantly has errors, and over half the time you can’t even get passed the login screen. Considering switching banks just based on how bad this app runs and inaccessibilities of my account through the app.
  12. [R25] Meritrust Mobile 1/5 · US Car Payment: Dice we got this loan it has been nothing but trouble to use the app to make the payment! My husband has called multiple times and nobody seems to be able to help him! We set up direct debit. The payment was taken out and then returned to our account. I transferred money to our credit union account to pay the car payment and for two weeks I have been trying to do so but every time I t
  13. [R5] Meritrust Mobile 5/5 · US Adequately Staffed: Never have to wait for service. I don’t feel rushed when I am working with a customer service representative.
  14. [R41] Meritrust Mobile 5/5 · US Works after a call from Nick: I’ve been a Meritrust member for 20+ years, but didn’t realize that my checking account number and member number are different. I tried to re enroll for the online and mobile app but it kept giving me an error, so I sent a message on the chat. The following day, Nick called and was very helpful and patient with me while I tried to re enroll. He got everything working
  15. [R23] Meritrust Mobile 5/5 · US Thank you.: I’ve been a member of this credit union for over 2 decades and never crossed my mind to leave it. Recently I had an issue with my Roth account Jarrett and Kristen helped me with. They are both exceptional people to work with. I had a miss understanding on the process of funds from Morning Star. Still don’t agree mailing paperwork to process in today’s world with Fax etc. Stock market c
  16. [R51] Meritrust Mobile 5/5 · US Extra Account: Justin over at the MeriTrust branch on E 21st St N helped me open up my extra account. He was extremely knowledgeable, helpful and very friendly and courteous. Justin was ABOVE and BEYOND my expectations; which are ALWAYS high! He even set up my mobile banking app and my mobile account for me! Justin was a sheer delight to work with. I was a customer previously about 10 years ago an
  17. [R63] Meritrust Business 3/5 · US Still having Camara problems with mobile deposit: Is anyone else still having problems with the Camara when doing mobile deposit. Last time I left this review Meritrust replied they were working on a fix (it’s been some time ago) ????
  18. [R73] Meritrust Business 1/5 · US Mobile deposit: trying to make a mobile deposit and every time the screen is blurry and I get a message saying flip your phone sideways to take a picture and then it never works. I’ve tried for three days now. Please fix! I have updated my phone and checked for all updates, and nothing is prompting me to update my phone.
  19. [R79] Meritrust Business 1/5 · US Mobile Deposit Broken: Haven’t been able to deposit thru the app because the app says I need to rotate the image. Makes no sense needs fixed, hasn’t worked since I got the new iPhone 14 Pro. Fix your app with some of the money you are stealing from customers thru fees!
  20. [R85] Meritrust Business 1/5 · US Mobile deposit.: So annoyed with the mobile deposit. Keep saying rotate to take pictures but I rotate left the right nothing work. It didn’t used to be this damm difficult
  21. [R46] Meritrust Mobile 1/5 · US Recent IOS update: This app is basically unusable on my iPhone 14 Pro Max after the recent iOS update. I keep getting error messages when trying to use the app. Tried deleting the app and reinstalling and it still work work
  22. [R57] Meritrust Mobile 2/5 · US Bugs: I’ve had the same phone the whole time I’ve been at meritrust. Always used this same phone to log in. Now all of a sudden, every time I get on the app of this phone, it makes me re-log in every time because it’s a “different” or “un trusted” device. That is so annoying
  23. [R43] Meritrust Mobile 4/5 · US Widget: I don’t hate it but I haven’t been able to get a widget so I can quickly check my balance.
  24. [R30] Meritrust Mobile 3/5 · US Hmmmmm…: Was able to re-enroll and get this new app quite easily. I guess my question is: what was the point of switching mobile apps just for it to mostly look the same (but more confusing and with the green?) Also, please bring back Quick Balance 😭🫶🏼

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