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

City of Boston Credit Union vs Metro Credit Union

City of Boston Credit Union 4.8★ · Free to download 65
Winner Metro Credit Union
Metro Credit Union 4.9★ · Free to download 70

Metro Credit Union has a slight edge due to its more consistent app performance and better remote deposit functionality, despite both apps facing similar login and stability issues.

Full reviews: City of Boston Credit Union · Metro Credit Union

Both City of Boston Credit Union and Metro Credit Union apps offer essential banking features but struggle with app stability and login issues. Metro Credit Union's app generally receives more positive feedback for its remote deposit and customization options, while City of Boston Credit Union is praised for its in-person customer service.

Head to head

App Features and Functionality edge: Metro Credit UnionR6R7R14R23
City of Boston Credit Union City of Boston Credit Union's app allows for immediate fund transfers and has seen recent updates that improved its interface and added Face ID, making it more convenient for some users R32R36. However, users report issues with external transfers being a headache, the inability to update addresses, and cards not being recognized by apps like Zelle R6R7R14. The bill pay service is also criticized for being terrible R23.
Metro Credit Union Metro Credit Union's app offers remote check deposit, which is highly valued by users, and allows for easy transfers to and from other banks R94R105. Users appreciate the ability to customize the app, set up alerts, and view all accounts with one login . However, some users report issues with changing transfer dates and the remote deposit feature not working after updates .
Ease of Use and Reliability tieR9R12R13R15
City of Boston Credit Union Many users find the City of Boston Credit Union app to be basic, simple, and generally easy to use R12. However, a significant number of recent reviews highlight persistent problems with the app failing to open, crashing, being slow, and repeatedly logging users out with 'session expired' messages R9R13R15. Login issues are frequent, with some users unable to sign in at all after updates R29.
Metro Credit Union Metro Credit Union's app is generally described as easy to use and navigate, with a user-friendly interface . Despite this, many users report consistent issues with the app freezing, crashing, and being slow . A common complaint is the app failing to remember the device or user, requiring repeated logins, security questions, or CAPTCHA checks, even with Face ID enabled .
Customer Service and Support edge: Metro Credit UnionR2R4R5R6
City of Boston Credit Union City of Boston Credit Union receives high praise for its professional, friendly, and helpful employees, with many users highlighting excellent in-person and phone support R2R5R6. However, some reviews describe customer service as terrible, particularly regarding loan issues and bill pay problems R4R19R23.
Metro Credit Union Metro Credit Union is consistently lauded for its excellent customer service, with staff described as helpful, professional, and making members feel like family . Users appreciate that employees are patient and knowledgeable, answering all questions without being condescending .
Price and Value tieR19R48R59R81
City of Boston Credit Union Both apps are free to download. City of Boston Credit Union users express concerns about being charged excessive fees on loans, with one reviewer calling them "thieves" R19.
Metro Credit Union Metro Credit Union users also report issues with unexpected fees, with one instance of being charged more in fees than the savings account held, and another mentioning being charged twice for transactions R48R59. The bill pay system is criticized for pulling funds early, leading to potential overdraft fees R81.
Pick City of Boston Credit Union if

you prioritize strong in-person customer service and don't mind a potentially less reliable mobile app experience, especially if you're willing to navigate initial setup requirements for the app R2R5.

Pick Metro Credit Union if

you value a mobile app with robust features like remote check deposit and customization options, and consistently positive customer service interactions, even if the app has occasional stability and login challenges R94R105.

Evidence note: Both apps are free to download, so there is no free-vs-paid asymmetry. The evidence for both apps is strong, with numerous reviews covering various aspects of their services and app performance. Recent negative reviews for both apps largely focus on app stability and login issues.

Frequently asked

Do these credit union apps support Face ID or fingerprint login?
Yes, both apps have introduced Face ID or fingerprint login, but users of both City of Boston Credit Union and Metro Credit Union frequently report issues with these features not working consistently, often requiring them to re-enter passwords or answer security questions R21R29R31R36.
Can I deposit checks remotely with these apps?
Metro Credit Union's app offers remote check deposit, which many users find easy to use and convenient R94R105. For City of Boston Credit Union, the reviews do not explicitly mention remote check deposit as a feature, though some users praise the ability to transfer funds immediately R32.
Are there issues with transferring money between banks?
City of Boston Credit Union users have reported significant headaches with external transfers, citing messages not corresponding to initiated transactions and time zone restrictions R6. Metro Credit Union users, however, generally find it easy to transfer funds to and from accounts at other banks R105.

What reviewers actually said

Built only from these 107 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. [R6] City of Boston Credit Union 3/5 · US External transfers: The employees at the offices in Dorchester (Patty & Britany) & Canton (unsure of their names) were incredibly helpful. However the external transfers themselves were a huge headache. Messages from the transfer dept did not correspond to the transactions I initiated. Bring in a different time zone also severely restricted my ability to get access to my funds easily & quickly
  2. [R7] City of Boston Credit Union 1/5 · US Alan: Cards don’t have tap to pay, AND is not recognized by any of these helpful transactional apps. Ex Zelle
  3. [R14] City of Boston Credit Union 5/5 · US Some bugs: The app sometimes crashes. Plus, I used to be able to update my address on the app, and now I cannot.
  4. [R23] City of Boston Credit Union 1/5 · US Terrible Bill Pay service!: The Staff at the West Roxbury branch are lovely. But there are many problems with the bill pay portion of their website. I tried to call to rectify why a credit card payment didn't process BUT showed it was STILL processing from weeks ago, plenty of money in the account, so we figure this out. Nothing has been solved after 3 phone calls. She behaved like a bishy ignoran
  5. [R9] City of Boston Credit Union 3/5 · US Session expired: Lately the app has been giving me problems when trying to log in. As soon i log in it gives me the message session expired try and log in again, sometimes 2 or 3 times in a row.
  6. [R12] City of Boston Credit Union 3/5 · US COBCU APP OK: This app is basic, simple & generally works well. Since the last update, the app states that I’ve been logged out of my session every time when logging in for a new session, even if the app has been closed out. Please fix this error. Face ID would be nice also
  7. [R13] City of Boston Credit Union 2/5 · US Fails to open 60% of the time: So frustrating. No other app, including banking apps, give nor more trouble than this app. Just doesn’t load doesn’t show any information. Doesn’t matter how many times I open/close, WiFi/ no WiFi, apps in the background. So frustrating legitimately makes me want to close my account.
  8. [R15] City of Boston Credit Union 2/5 · US Very slow: I appreciate the ability to view and pay bills through an app, however the app is slow to open, slow to switch between accounts and the pay my bills page, and continually asks for security questions to be answered upon opening. I use the same device every time but it seems that it’s not remembered.
  9. [R2] City of Boston Credit Union 5/5 · US Excellent should be its name.: Please let me start by saying that this is the best credit union I have ever been a member of, and I must say I’ve been a member of two others in the past but the team always goes above and beyond, regardless of what it is, a simple request for a new/lost card or something more complex. Everyone is super professional and friendly. My favorite person there is John fr
  10. [R4] City of Boston Credit Union 1/5 · US Not good: Customer service is terrible.
  11. [R5] City of Boston Credit Union 5/5 · US Cudos to your employees: To reactivate my dormant account, via telephone assistance, your W.Rox employee offered invaluable support with professionalism and a helpful dose of humor.
  12. [R19] City of Boston Credit Union 1/5 · US Thieves: Do NOT get a loan through this credit union. They are absolute thieves. They will keep adding money to your principal balance keeping you in debt forever!!! They’re customer service will do nothing to fix this error!!!
  13. [R48] Metro Credit Union 1/5 · US Thiefs: Would not bank with them they’ll charge you right then and there place the transaction on hold then charge you again once it’s done pending and do nothing about it this has happened way too many times with sorry metro credit union DO NOT I REPEAT DO NOT BANK WITH THEM find someone bigger and better fnbo or Centris if you want a credit union
  14. [R59] Metro Credit Union 1/5 · US Took Money!!: The it charged more in fees than what was in my savings account my parents set up for me as a child. Makes it hard to set good habits for children learning about money.
  15. [R81] Metro Credit Union 1/5 · US Terrible bill pay system: When I say I want to pay a bill on the first of the month, that means take the money out of my account on the first of the month because I am paid on the last day of the month. Instead they often pull out 1-2 days early and sometimes if there is a holiday or weekend even earlier than that. Do not trust them. They will overdraw you and then charge you fee when their system
  16. [R21] City of Boston Credit Union 2/5 · US Was fine: The recent updates security changes are extremely annoying why have the option to login with Face ID if you have answer security questions enter a code from a text
  17. [R29] City of Boston Credit Union 1/5 · US Not working!: The new update for finger authentication is not functioning. City of Boston Credit Union has been very outdated and things don't seem to be moving in any directions!
  18. [R31] City of Boston Credit Union 1/5 · US Fingerprint: Why can't I just use my finger scan to access my account like every other banking app
  19. [R36] City of Boston Credit Union 5/5 · US UPDATE LONG OVER DUE BUT DEFINITELY NEEDED: I’ve waited years and finally we get a nice update. Love the Face ID feature and new tweaks and look!
  20. [R32] City of Boston Credit Union 5/5 · US Convenient: This app is very convenient in that it allows you to transfer funds immediately. Thank you to all the men and women who make this possible.
  21. [R94] Metro Credit Union 5/5 · US Love the app: Metro credit union is a amazing bank. I love using the mobile app. It’s easy to use, very convenient and I love the option to deposit checks remotely. If you are looking for a bank that treats you like they have known you for years and a easy to use online source metro is for you!!!!
  22. [R105] Metro Credit Union 5/5 · US Long time member who doesn’t like change!: Honestly, I didn’t care for the new app at first because it was different than the old app, and I’m not a fan of change. However, now that I’ve been using the new app for a few months, I actually like it better. Remote deposit capture is much easier to use, and I can easily transfer to and from my accounts at other banks. I also like that I can see all of

Synthesized from 107 recent App Store reviews · updated July 2026 · View on the App Store