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

City Credit Union Mobile vs Navy Federal Credit Union

City Credit Union Mobile 4.8★ · Free to download 45
Winner Navy Federal Credit Union
Navy Federal Credit Union 4.9★ · Free to download 70

Navy Federal Credit Union (B) is the stronger choice due to its broader feature set and generally more reliable performance, despite recent maintenance and login issues, while City Credit Union Mobile (A) struggles with fundamental banking functions and frequent crashes.

Full reviews: City Credit Union Mobile · Navy Federal Credit Union

Navy Federal Credit Union (B) generally offers a more robust mobile banking experience with a wider array of features, though it has faced recent complaints about frequent maintenance and login problems. City Credit Union Mobile (A) is plagued by basic functionality issues, including unreliable mobile deposits, login loops, and missing essential features like running balances and notifications.

Head to head

Features and Functionality edge: Navy Federal Credit UnionR3R6R9R13
City Credit Union Mobile City Credit Union Mobile users report missing basic features like a daily running balance, pending transactions, and alerts for low balances or deposits R6R9R18. There are also complaints about the absence of Face ID, issues with internal transfers, and the removal of features like a calendar and calculator . While Zelle is advertised, users report it being unavailable or glitchy, sometimes charging for immediate transactions R3R13R21.
Navy Federal Credit Union Navy Federal Credit Union offers a wider range of features, with users appreciating easy navigation for transfers, statements, and account management . Recent updates have improved credit card points and rewards redemption, though some find the new rewards search less intuitive . Users desire features like a memo option for transfers, dark mode, and a clear auto-pay option . Some recent updates have caused display issues, like the home screen being too wide for certain iPhones .
Ease of Use and Interface edge: Navy Federal Credit UnionR2R9R17R18
City Credit Union Mobile Users describe City Credit Union Mobile as user-friendly R2R17, but many struggle with its interface. Issues include difficulty seeing current vs. available balances, leading to overdrafts R35, and the need to re-enter passwords frequently for transfers or after leaving the app R9R18. Some find the new update worse, with smaller text and missing transaction dates .
Navy Federal Credit Union Navy Federal Credit Union's app is generally considered easy to use with a clear interface . However, recent updates have introduced display issues, making the home screen too wide on some iPhones . Users also report a desire for the return of the iOS widget for quick access and a more seamless Face ID sign-in process . Some find the transfer screen's 'To/From' order counter-intuitive .
Reliability and Performance tieR1R4R7R10
City Credit Union Mobile City Credit Union Mobile suffers from significant reliability issues, with users reporting the app frequently not working, crashing, or getting stuck in login loops R4R7R10. Mobile deposit functionality is often broken, with deposits failing or the screen freezing R1R29. Users also report issues with Face ID not working and error messages requiring calls to customer service R4.
Navy Federal Credit Union Navy Federal Credit Union users frequently complain about the app being under maintenance, often at inconvenient times, making it inaccessible for hours R44R46R50. Other reliability issues include freezing, locking up after login, and slow load times . Some users experience login problems, getting stuck on verification screens or the app not recognizing their account R56. Mobile deposit also has issues, with checks being deemed blurry despite good conditions R89R99.
Customer Support tieR4R11R26R35
City Credit Union Mobile City Credit Union Mobile users report that customer service offers no solutions for app issues beyond suggesting updates R4. One user mentioned that customer service could not answer questions about the app because it's from a third party R35.
Navy Federal Credit Union Navy Federal Credit Union users report long wait times to connect with live agents via chat and issues with phone support, with some feeling that 24/7 help is a 'joke' . Despite these complaints, some users praise specific branch staff R11R26.
Pick City Credit Union Mobile if

you prioritize a simple interface and are willing to tolerate frequent glitches and missing basic banking features, or if local branch service is your primary concern R2R17.

Pick Navy Federal Credit Union if

you need a broader range of banking features, including more advanced credit card management and rewards, and are willing to contend with occasional maintenance downtimes and recent display bugs R44.

Evidence note: Reviews for City Credit Union Mobile are significantly fewer than for Navy Federal Credit Union, leading to less comprehensive evidence for App A across all dimensions. Many reviews for App A are either very positive but generic or very negative about core functionality. Many reviews for both apps are recent and skewed negative, highlighting ongoing issues.

Frequently asked

Are there issues with mobile deposits for these apps?
Yes, both apps have reported issues with mobile deposits. City Credit Union Mobile users state that mobile deposit is no longer offered or frequently fails R1R29. Navy Federal Credit Union users report problems with checks being deemed blurry even with good lighting and camera quality R89R99.
Do these apps support Zelle?
City Credit Union Mobile users report issues with Zelle, stating it often has glitches, charges for immediate transactions, or is advertised but not available in the app R3R13R21. The reviews for Navy Federal Credit Union do not mention Zelle, suggesting it is either not a prominent feature or not a source of user complaints.
Are there frequent maintenance periods for either app?
Navy Federal Credit Union users frequently complain about the app being constantly under maintenance, often for several hours and at inconvenient times like weekends, making it inaccessible R44R46R50R53. City Credit Union Mobile reviews do not mention frequent maintenance periods as a common issue.
Do the apps have login issues?
Yes, both apps have login issues. City Credit Union Mobile users report being unable to log in since the app's creation, getting stuck in continuous loops, or facing repeated security questions R10R43. Navy Federal Credit Union users experience problems logging in, with the app not recognizing their account, getting stuck on Apple Pay verification screens, or the app not loading past the opening screen R56R83.

What reviewers actually said

Built only from these 103 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] City Credit Union Mobile 3/5 · US Zelle: Zelle always has a glitch and charges for immediate transactions. It’s annoying. I really wish they would fix that
  2. [R6] City Credit Union Mobile 3/5 · US Good but...: This is user friendly but missing some of the basics that other banks and credit unions offer and that’s the daily running balance. This is the main reason why I don’t give this higher stars. I have seen previous reviews by others asking for the same thing.....
  3. [R9] City Credit Union Mobile 3/5 · US Could provide more functionality: The app works with no glitches, which is great, but it would be nice to have more functionality such as alerts and notifications. There are no options to set notifications for low balance or deposits. I cannot see my running balance, which is the most basic of banking apps. I have to log in online to see this information. Also, I don’t understand the purpose of ma
  4. [R13] City Credit Union Mobile 1/5 · US Zelle: Y’all need to fix this thing it’s been a month. You can’t send money when been requested from friend. It’s been almost a month now. In 2022 this shouldn’t be a problem. Every time I had to go on my computer ti get a simple task done
  5. [R2] City Credit Union Mobile 5/5 · US Awesome: Awesome
  6. [R17] City Credit Union Mobile 5/5 · US Very easy to use.: Good program. Thanks
  7. [R18] City Credit Union Mobile 3/5 · US Some improvements can be made: They should let you view your pending transactions on the app as well. You should also be able to exit the app and reenter the app with out having to type in your password again for a short period of time.
  8. [R1] City Credit Union Mobile 1/5 · US No longer able to deposit on mobile: With limited in person bank options, you would think that mobile deposit would be a feature that they offer, but unfortunately it no longer is
  9. [R4] City Credit Union Mobile 1/5 · US Disappointed: This app is terrible. I have tried updating it, uninstalling and reinstalling, nothing works. I try to look at my transactions and it gives me an error message and says to call. It’s been like that for the last week. Customer service gave no solutions besides updating. Never had an issue with any other banking app.
  10. [R7] City Credit Union Mobile 1/5 · US The app never works: The app never works!
  11. [R10] City Credit Union Mobile 1/5 · US Can’t Login: I have not been able to login to this app since it’s been created. The many updates they’ve done have not fixed it. Using iPhone 13 Pro. Enter username and p-word, provide a day use phone #, receive “successful” save notification, hit continue button, takes me back to the login page, process starts all over. A continuous loop. What’s happening? I can go online to the website login,
  12. [R11] City Credit Union Mobile 5/5 · US Gainesville Special Agents: I am requesting a monetary raise in salary for Jennifer and Connie! They know everyone that steps up to window! They are very enthusiastic and very willing to help out!!
  13. [R26] City Credit Union Mobile 5/5 · US City Credit Union: Crystal Williams and her Colorado team are awesome.
  14. [R35] City Credit Union Mobile 1/5 · US This gives bad info: The balance provided is yours current not your available and caused me $300 in overdraft fees which the CU refused to refund. Cust serv cannot answer any questions abt the app because it's from a 3rd party. Very disappointed.
  15. [R29] City Credit Union Mobile 2/5 · US Needs improvement: The mobile deposit function never works. Every time I try to deposit a check I get a notification that the deposit failed.
  16. [R89] Navy Federal Credit Union 1/5 · US Can’t do mobile deposits anymore: Since a recent update (I believe 2026.6.1) I’m no longer able to do mobile deposits. When I take a picture of the front of the check, the entire screen turns white and just stays there frozen. I’ve tried turning off auto capture, flash, restarting app, restarting phone, my phone has the latest iOS update, everything. The bug is in the app.
  17. [R99] Navy Federal Credit Union 4/5 · US pretty great: fix the mobile deposit there shouldn’t be no reason that i take the best photos of my life with my phone and it still says blurry even though i literally just cleaned my camera before taking the photo and have perfect lighting… example im dealing with this issue now and i’m right now im next to my window with the light on and it’s still saying blurry.
  18. [R21] City Credit Union Mobile 1/5 · US Beyond basic functions: Where is Zelle? Your company sends out an email station Zelle is now available online and mobile app, yet nothing. Update!
  19. [R44] Navy Federal Credit Union 2/5 · US Always under maintenance: WHYYYY is this app constantly under maintenance? I try to open in and half the time I can't even check my account or transfer money because they're "conducting scheduled maintenance." I've never dealt with a banking app or any app like this where it's always undergoing some sort of service, like this is so frequent that it has irritated me enough to the point of writing a
  20. [R46] Navy Federal Credit Union 3/5 · US The Maintenance shut down is annoying: Eveytime I need to get into my bank I gotta worry if it in maintenance or not like at least give me a warning
  21. [R50] Navy Federal Credit Union 1/5 · US The app is trash: It shouldn’t ever take 6 plus hours for a “ schedule maintenance” it’s ridiculous at this point
  22. [R53] Navy Federal Credit Union 1/5 · US Maintenance times: Maintenance times take too long when I need to acces my account the most
  23. [R43] City Credit Union Mobile 5/5 · US What the?!: What is wrong with this app? I tried to log in and o it kept asking security questions over and over. Please update this thing!
  24. [R56] Navy Federal Credit Union 1/5 · US Won’t Let me Login: The app is terrible!!! I have been unable to login since I got my account. I have reset my password multiple times but for some reason the app doesn’t recognize my account. I can login online perfectly so there is something wrong with that app. If I could give it 0 stars I would!!!
  25. [R83] Navy Federal Credit Union 1/5 · US App not working: It has been a few days that the app has not been working. Once I open it, it just stays on the opening screen. I deleted and reinstalled the app and no change.

Synthesized from 103 recent App Store reviews · updated July 2026 · View on the App Store