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

CentralMOBILE vs Centra Mobile

CentralMOBILE 4.8★ · Free to download 45
Winner Centra Mobile
Centra Mobile 4.9★ · Free to download 55

Centra Mobile (App B) has a slight edge due to its more consistent functionality and better user experience, despite both apps facing significant reliability issues.

Full reviews: CentralMOBILE · Centra Mobile

Both CentralMOBILE (App A) and Centra Mobile (App B) struggle with reliability and login issues, but Centra Mobile appears to have a more modern interface and slightly fewer critical bugs, especially regarding iOS compatibility. App A users frequently report crashes and login failures, while App B users also experience these but praise its updated look and some core features.

Head to head

Reliability & Stability tieR1R3R4R9
CentralMOBILE CentralMOBILE is frequently reported as not working, temporarily out of service, or crashing, especially after iOS updates R1R3R9R10. Users experience login failures about a third of the time, often at night, and sometimes the app just closes immediately upon opening R3R4R10R21. Some users resort to using the website due to the app's unreliability R4R13.
Centra Mobile Centra Mobile also suffers from significant reliability issues, with users reporting constant crashes, freezing, and intermittent connection problems R70. Many users cannot log in at all, receiving error messages about connection issues or incorrect credentials . Some users also have to use the website instead of the app .
Login & Security Features tieR3R4R21R28
CentralMOBILE Users of CentralMOBILE frequently complain about login issues, stating the app consistently won't log them in, often displaying 'sorry for the inconvenience' messages R3R4R21. Face ID and Touch ID features are reported as not working reliably or only working intermittently R28R30R40R46.
Centra Mobile Centra Mobile users are frustrated by frequent security prompts, requiring them to enter codes via text even with Face ID enabled, just to access their balance or transfer money R61. Many also report being locked out of transactions or unable to log in due to error codes .
Features & Functionality tieR6R7R12R22
CentralMOBILE CentralMOBILE offers mobile check deposit, bill pay, and easy transfers R26R40R50. However, users desire the ability to view receipts R6, make external transfers R7, see all linked accounts R12, and find account/routing numbers within the app R22. Some report issues with pending transactions not updating the true balance .
Centra Mobile Centra Mobile also provides easy access to accounts, money transfers, and bill payment . Users appreciate mobile check deposit . However, Zelle functionality is frequently broken, kicking users out or failing to send authentication texts R61R70R74R76. Users also cannot view loan details or make principal payments on loans from outside sources . The app recently removed widgets for quick balance checks and has issues with viewing all account history .
User Interface & Experience edge: Centra MobileR9R10R13R18
CentralMOBILE CentralMOBILE is described as simple, uncomplicated, and easy to navigate by some R26R40. However, others find it sluggish and awful, preferring the website R13. There are complaints about the app not working with newer iOS versions R9R10R18R23.
Centra Mobile Centra Mobile recently underwent an overhaul to look more sleek and modern, which some users appreciate . It is generally considered beginner-friendly, easy to use, and navigate . However, the new update introduced stability issues, with the app freezing and crashing . Some find the interface not intuitive or archaic .
Customer Support & Communication edge: Centra MobileR17R32R49R60
CentralMOBILE CentralMOBILE users report having to call customer support when their account gets locked due to login attempts during unscheduled maintenance R17. Some users have gone into the bank multiple times to fix app issues R49. There's a desire for alerts regarding scheduled maintenance or downtime R17R32.
Centra Mobile Centra Mobile users mention calling customer service for issues like login problems or to get transaction history . One user reported that the bank advised them to cancel a payment and make it their usual way after app issues R60. Centra Mobile does provide warnings before maintenance, which is appreciated .
Pick CentralMOBILE if

you are an existing Central Bank customer who values a simple, uncomplicated app for basic transactions and mobile deposits, and are willing to tolerate frequent login and stability issues R26R56.

Pick Centra Mobile if

you are an existing Centra Credit Union member who prefers a more modern interface and values the ability to transfer money and pay bills easily, and are comfortable dealing with occasional freezing or connection problems .

Evidence note: Both apps have a high lifetime rating, but recent reviews for both show significant dissatisfaction with reliability, login issues, and app functionality, suggesting a decline in user experience. The free nature of both apps means users have high expectations without direct cost, leading to frustration when core banking functions are hindered.

Frequently asked

Do these apps support Face ID or Touch ID?
Both apps offer Face ID or Touch ID, but users frequently report that these features do not work reliably or consistently (R28, R30, R40, R46, for CentralMOBILE; , , for Centra Mobile).
Can I deposit checks using these apps?
Yes, both CentralMOBILE and Centra Mobile offer mobile check deposit, which is generally praised as easy to use and convenient (R26, R40, R50, R56 for CentralMOBILE; for Centra Mobile).
Are there issues with iOS updates for these apps?
CentralMOBILE has significant issues with iOS updates, with users reporting the app crashing immediately or not loading at all after updating to newer iOS versions like iOS 16 or iOS 14.5 R9R10R18R23. Centra Mobile's recent overhaul also led to stability issues on updated devices .
Do these apps support Zelle?
Centra Mobile users report frequent problems with Zelle functionality, stating it often kicks them out or fails to send authentication texts R61R70R74R76. There is no mention of Zelle support in the CentralMOBILE reviews.

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. [R1] CentralMOBILE 2/5 · US Not working often: Too many times this app is not working or temporarily out of service
  2. [R3] CentralMOBILE 3/5 · US App not signing in: This app is overall really good and I like central bank. The app will not log me in about 1/3 of the time. I’ll have to wait a few hours and try again this epically happens at night for some reason. I also switched from android to apple and the problem seems consistent across both platforms.
  3. [R4] CentralMOBILE 1/5 · US App login terrible: Logging into the app is horrible consistently won’t login saying sorry for the inconvenience. Then I go to the website and login without issue, back to the app no can do. I’ve reset my password multiple times for no reason because the app won’t let me login. This app is trash better off just saving the website in your browser and accessing that way.
  4. [R9] CentralMOBILE 3/5 · US Problems: The app is not working with iOS 16. It crashes immediately upon opening.
  5. [R21] CentralMOBILE 2/5 · US Intermittently works: Doesn’t work all the time. Won’t let me log in currently. Website is fine but this is an inconvenience
  6. [R28] CentralMOBILE 5/5 · US Face ID: Not working as it’s supposed to
  7. [R6] CentralMOBILE 3/5 · US Receipt: I wish you would update the app so that you can view receipts. I can see where money was spent, but can’t see what it was spent on.
  8. [R7] CentralMOBILE 2/5 · US Needs fixing: Can NOT make external transfers using CENTRALMOBILE APP. It keeps kicking out of the peogram.
  9. [R12] CentralMOBILE 3/5 · US Needs help: Can't check my other accounts other the one. They said they link them all but still can't. Please fix it.
  10. [R22] CentralMOBILE 4/5 · US Really good app: Really simple and smooth app, but I don’t like I can’t find my account number and routing within the app
  11. [R10] CentralMOBILE 1/5 · US Doesn’t work: They need to invest in updating their system. This app just closes immediately when I try and open it. I’ve deleted and reinstalled, updated. Still just closes and I have a newer phone.
  12. [R13] CentralMOBILE 2/5 · US Awful user experience: The app is awful. It’s down/offline more than it’s up, then exits out abruptly and is very sluggish. I end up using the website more often which isn’t convenient.
  13. [R18] CentralMOBILE 5/5 · US not capable with IOS 16: I love this app but it is not allowing me to get on the app ever since I updated to IOS 16. It just closes out.
  14. [R17] CentralMOBILE 2/5 · US Scheduled maintenance: This app would be great if an alert was sent out scheduling maintenance or down time. I’ve tried to login twice and now my account is locked and I get to call to talk to customer support! Awesome! This happens once every 2 months and absolutely drives me up a wall. Fix the app
  15. [R32] CentralMOBILE 5/5 · US ! READ HERE !: I used this bank and furthermore this app since it was the quickest way for me to acquire a bank account before basic training. Now, a year later deployed. This app is quite outstanding. The simplicity is out driven only by how fluid everything is. My only gripe would be that on occasion this app under goes maintenance and does not inform me. So sometimes I’ll need to check my balan
  16. [R49] CentralMOBILE 1/5 · US Central Bank App: I have now had to go into the bank to have my app fixed multiple times! It’s not been too great at all for me! Always states it is Unavailable and that it is sorry for the inconvenience!
  17. [R60] CentralMOBILE 5/5 · US Very poor: Downloaded the app and tried to make a transaction and pay a bill. Several things on the app side went wrong while I was trying to set up a payment. Ended up wasting my time for an hour trying to fix it, and a late fee. When I called the bank, they said they didn’t know any better and just advised me to cancel it and make the payment my usual way!! Thanks!!
  18. [R30] CentralMOBILE 4/5 · US App Function: Great bank but please make the Face ID function work!! I’ve tried everything but I’m having to type my password in every time!
  19. [R40] CentralMOBILE 5/5 · US Fantastic: Great App. Easy to use and very easy to navigate through your accounts. Mobile deposit is easy to use!!! Thanks Central Bank. FaceID never works on this app.
  20. [R46] CentralMOBILE 5/5 · US Touch ID No Longer Working: Touch ID no longer works when opening the app.
  21. [R26] CentralMOBILE 5/5 · US Easy to manage my accounts: I can transfer money easily or check my bank balance within seconds. Love the ability to deposit checks from home. No technical issues ever.
  22. [R50] CentralMOBILE 5/5 · US Very Nice Central Bank!: I love the app and my wife uses the iPad version. Mobile deposit is the best thing ever. I can pay bills fast and transfers to other people is really nice.
  23. [R56] CentralMOBILE 5/5 · US Works great: Use often to deposit checks and occasionally to pay bills. Works well. usually any problems are my own user errors.
  24. [R23] CentralMOBILE 1/5 · US Has become the worst!!: As of about two days ago the app no longer will load. It tells me my iPhone is either jailbroke or rooted. MY PHONE IS NOT! You need to fix your app and the developer who doesn’t know what they are doing.
  25. [R61] Centra Mobile 1/5 · US Frustrating alert system: No way to change the notification system to text or email, doesn’t send me authentication texts so it just automatically declines whatever payment I’m trying to make.
  26. [R70] Centra Mobile 1/5 · US Frustrated: Zelle never works and it kicks me out constantly
  27. [R74] Centra Mobile 2/5 · US Zelle Still Needs Fix: The app works great till you have to use Zelle. It takes you to the log in page once you try to enter money amount.
  28. [R76] Centra Mobile 2/5 · US Pop ups: Needs an update or something. I get a pop up to another screen when I enter an amount to send through zelle and it’s really annoying not being able to zelle.

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