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

Arrowhead Mobile Banking vs First Horizon Mobile Banking

Arrowhead Mobile Banking 4.9★ · Free to download 75
Winner Arrowhead Mobile Banking
First Horizon Mobile Banking 4.8★ · Free to download 55

Arrowhead Mobile Banking is generally a better choice due to its more reliable core banking features and easier navigation, despite some issues with Zelle and mobile deposits.

Full reviews: Arrowhead Mobile Banking · First Horizon Mobile Banking

Arrowhead Mobile Banking offers a more consistent user experience with easy navigation and reliable transfers, though some users report issues with Zelle and mobile deposits. First Horizon Mobile Banking, while praised for customer service, suffers from frequent app crashes, login problems, and significant downtime for maintenance.

Head to head

Ease of Use & Navigation edge: Arrowhead Mobile BankingR2R5R9R11
Arrowhead Mobile Banking Many Arrowhead users find the app easy to navigate and user-friendly, appreciating its straightforward design for basic banking tasks R2R11. However, some describe the UI as cluttered or not user-friendly, and complain about the chat bubble being in the way R5R9.
First Horizon Mobile Banking First Horizon users describe the app as simple and user-friendly for basic tasks . However, others find it unintuitive and complicated, especially when managing multiple accounts R84R96.
Reliability & Performance tieR1R4R5R7
Arrowhead Mobile Banking Arrowhead users report frequent issues with the app being broken, slow, or glitchy, often experiencing authentication errors and crashes R1R4R7R10. The 'remember me' and Face ID features often fail, requiring manual password entry R4R5R10R18.
First Horizon Mobile Banking First Horizon users frequently report the app is down for maintenance, crashes, or experiences errors preventing login . Many find it slow and glitchy, with issues updating balances .
Key Features (Zelle, Mobile Deposit, Transfers) tieR6R13R15R22
Arrowhead Mobile Banking Arrowhead users find Zelle difficult to use, like a maze, or report it not working properly, with issues adding contacts or sending money more than once R6R22R29R33. Mobile deposit is also problematic for many, with images being denied or the feature being too sensitive R13R15. Transfers between Arrowhead accounts can be difficult .
First Horizon Mobile Banking First Horizon users report significant issues with mobile deposit, stating it's a joke, horrible, or not working after updates, forcing them to visit a branch R70R73. Zelle's sending function is frequently down or unavailable, and transfers between accounts can be difficult or limited to low amounts R84. The app also lacks features like touchless payment and easy access to old statements .
Login & Biometric Authentication tieR4R5R10R18
Arrowhead Mobile Banking Arrowhead users frequently report issues with Face ID and 'remember me' options failing, forcing them to manually enter credentials repeatedly R4R5R10R18. Some also face difficulties with password resets, getting locked out of their accounts .
First Horizon Mobile Banking First Horizon users consistently report problems with biometric login (Face ID/Touch ID) not working, working sporadically, or failing after updates or username changes . Many are forced to manually enter passwords, and some cannot log in at all .
Customer Support & Service edge: First Horizon Mobile BankingR5R10R13R37
Arrowhead Mobile Banking Arrowhead users praise the in-person and phone customer service, describing staff as awesome and helpful R13R37. The app's chat feature is sometimes hard to find or navigate R5R10.
First Horizon Mobile Banking First Horizon receives strong praise for its customer service, with users highlighting kind, helpful, knowledgeable, and responsive staff who quickly resolve problems . However, some report little help from customer service regarding login issues .
Pick Arrowhead Mobile Banking if

Pick Arrowhead Mobile Banking if you prioritize a generally easy-to-navigate app for basic banking needs, and value strong in-person or phone customer service R2R11R13.

Pick First Horizon Mobile Banking if

Pick First Horizon Mobile Banking if excellent customer service and a simple interface for core functions are your top priorities, and you are willing to tolerate frequent app maintenance and potential issues with advanced features .

Evidence note: Both apps have a high lifetime rating, but recent reviews for both show significant frustration with reliability and specific features. The comparison highlights common pain points in mobile banking apps.

Frequently asked

Do these apps support biometric login like Face ID or Touch ID?
Both Arrowhead Mobile Banking and First Horizon Mobile Banking offer biometric login options like Face ID or Touch ID, but users for both apps frequently report these features failing, requiring manual password entry, or working sporadically R4R5R10R18.
How well do these apps handle mobile check deposits?
Mobile check deposit is a common pain point for both apps; Arrowhead users report the feature being too sensitive and frequently denying images R13R15, while First Horizon users describe it as a 'joke' or 'horrible' and often not working after updates, forcing them to visit a branch R70R73.
Are there issues with Zelle in either app?
Yes, both apps have reported issues with Zelle; Arrowhead users find Zelle difficult to use, like a maze, or report it not working properly, with problems adding contacts or sending money more than once R6R22R29R33, and First Horizon users state Zelle's sending function is frequently down or unavailable R84.
Do these apps allow managing multiple accounts easily?
Neither app makes managing multiple accounts easy; Arrowhead users complain about having to log out and in repeatedly to switch between personal and joint accounts R24R28, and First Horizon users also find it difficult to use joint accounts or view business and personal accounts on the same app R84R96.

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] Arrowhead Mobile Banking 5/5 · US Easy to Navigate: This mobile banking is great and very easy to use. Transfers are instantly completed when initiated. Like it a lot.
  2. [R5] Arrowhead Mobile Banking 4/5 · US This app is SLOW & SUCKS: Cluttered, bad UI design, annoying to use. Remember is bad and can’t use saved face or fingerprint. Tired of typing my password every, single. time. Took forever to find it in setting. Ask once and that’s it. Chat bubble is always in the way, needs a way to hide it too. Locations page to find ATMs sucks too. Only shows sketchy places and have to resort to my map app. Like
  3. [R9] Arrowhead Mobile Banking 3/5 · US Good app can be improved: UI could be more user friendly
  4. [R11] Arrowhead Mobile Banking 5/5 · US My opinion: Easy to navigate.
  5. [R1] Arrowhead Mobile Banking 1/5 · US Broken again!!!: App is broken again! Authentication error! Tried a wrong password, that gives a bad credentials error, so that’s not the issue. They need to hire whoever develops Navy Federal’s app, it Always works
  6. [R4] Arrowhead Mobile Banking 1/5 · US Terrible app: The app frequently crashes during use, often without warning. In addition, I am repeatedly prompted to sign in multiple times within a single session, even though Face ID is enabled on my device. This defeats the purpose of having biometric authentication and significantly disrupts the user experience. These issues have made it difficult to reliably access my account and complete bas
  7. [R7] Arrowhead Mobile Banking 1/5 · US The app is horrible: The app is always having issues connecting, gives a “authentication needed” message but doesn’t allow you to do anything to resolve it, then you get a “system is not responding, try again later” message and you can’t view your balance or anything making it completely useless. I hate this app and wish Arrowhead would fix it. It sucks
  8. [R6] Arrowhead Mobile Banking 3/5 · US App: Love the App but for using Zelle is like a maze and harder to use. I get it playing safe but it’s almost impossible to use Zelle on here.
  9. [R13] Arrowhead Mobile Banking 2/5 · US Mobile deposit: I have had more problems than not with the mobile deposit. It did not use to be as sensitive as it seems to be now? Took me 20 min to deposit one check tonight because it continued to deny my image of the back after I managed to get the front excepted. Not sure if it’s just me or if you have had other complaints? Thank you for being awesome though when I come In or call in with an
  10. [R15] Arrowhead Mobile Banking 3/5 · US I want to rate higher: I am still having so many issues with the mobile deposit all the changes have been amazing so far! But every time I gave to upload a mobile deposit I’m annoyed and frustrated because 8/10 times it doesn’t work even with perfect lighting. Oh well maybe one day it will work
  11. [R22] Arrowhead Mobile Banking 2/5 · US Zelle hasnt worked in a month!: I have deleted the app, reaet my phone, Zelle just stopped working I just get an error message every time I try to use it. There's not even an option for Zelle on the website when I try from my laptop. Super random
  12. [R10] Arrowhead Mobile Banking 1/5 · US Glitchy & SLOW!: Almost always encountering issues with this app. It is SO slow and glitchy! The “remember me” option often gets wiped and you have to manually enter member id & password again. Then authorize Face ID AGAIN. The chat feature is also hard to find as sometimes the bubble doesn’t even appear. If you are in the middle of being helped in a chat and have to navigate to another part of th
  13. [R18] Arrowhead Mobile Banking 3/5 · US Keeps logging me out: The app is excellent to use but as of a month ago I keep having this issue even though in my settings the password is memorized. Hopefully a fix to this can come soon.
  14. [R37] Arrowhead Mobile Banking 5/5 · US Jermani Edmonds: Thank you so much for your services. I love everything you guys do. I will recommend your services to anyone Arrowhead credit union has been so good to me!
  15. [R70] First Horizon Mobile Banking 1/5 · US Crashes and Downtime Garbage App.: This is one of the worst banking apps out there. Deposit feature is a joke and horrible. Not sure how it has such a high rating. Simply a terrible design and function.
  16. [R73] First Horizon Mobile Banking 1/5 · US It’s 2025, let’s fix the Mobile Deposit PLEASE: Can’t use mobile deposit, have to drive to a branch to deposit checks which is annoying. If you say you have a feature through the app, maybe make sure it works? Also the app is lacking in general. Considering switching banks for this issue tbh.
  17. [R29] Arrowhead Mobile Banking 5/5 · US Mobile Banking Review: Love this app. The only thing I wish would be easier is Zelle. Takes a while to add someone and sometimes doesn’t let me Zelle certain people. Don’t know why that is
  18. [R33] Arrowhead Mobile Banking 3/5 · US Zelle doesn’t work properly: I love everything else about the app, but when I want to send money to someone through Zelle, I can do it only once. After that I put in their information in to send money, it says that that contact already exists and to select new information. But it doesn’t even show me that their information is in my app. So I have no way of sending them money more than once unless
  19. [R24] Arrowhead Mobile Banking 3/5 · US Good app could be better: It’s a good app, but it would be better if you could view multiple of your accounts without having to log out and in and out and in and out and in again. It’s a hassle just to check my joint account and my personal account.
  20. [R28] Arrowhead Mobile Banking 1/5 · US Make it easier to switch between accounts: You need to make it easier when I have joint accounts to switch between mine and someone else’s. I shouldn’t have to log out of mine and into the other account. I shouldn’t need to have multiple logins. Other banks don’t have this issue. It’s one log in for everything. FIX THIS!!!
  21. [R84] First Horizon Mobile Banking 3/5 · US Is so complicated: We have a joint account with my husband. But is so hard to like use it, if he’s logged in mines doesn’t work or if I’m logged in he’s doesn’t work. We’ve called about they fix it and it doesn’t work after. As of now I made an update and Zelle is not working which is so frustrating.
  22. [R96] First Horizon Mobile Banking 3/5 · US Not User Friendly: You can’t see your business and personal on the same app. With a previous bank in another town I could see everything. It was nice.

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