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

Summit Credit Union vs PayPal

Summit Credit Union 4.7★ · Free to download · ⚠ stale 45
Winner PayPal
PayPal 4.8★ · Free to download 60

For general payment processing and a broader range of features, PayPal is the stronger choice, despite its customer service and reliability issues, while Summit Credit Union struggles with a recent app update that has introduced significant usability problems.

Full reviews: Summit Credit Union · PayPal

PayPal, with its vast user base and diverse functionalities, generally outperforms Summit Credit Union, which is currently hampered by a problematic app update causing login, navigation, and feature access issues. While both apps face criticism regarding reliability and customer support, PayPal's core payment services remain more robust and widely accessible.

Head to head

Features edge: PayPalR9R36R44R50
Summit Credit Union Summit Credit Union users are divided on features; some appreciate new tools for money management and spending analysis R44R50, while others find the app's functionality limited, especially for mortgages or external transfers R36. The ability to view business accounts on the home page is also a requested feature R9.
PayPal PayPal offers a wide array of features including cash back offers , 'Pay in 4' , and invoicing options . However, users desire more in-store offers and the ability to add discounts to invoices . Some users also report issues with specific features like PayPal Credit payments not working .
Ease of Use tieR2R3R7R10
Summit Credit Union Many Summit Credit Union users find the app difficult to navigate and clunky, especially after a recent update R3R7R10. Specific issues include problems with facial recognition , constant re-verification , and difficulty switching between accounts R7. However, some users still find it easy to use and convenient R2.
PayPal PayPal users report slow loading times and general clumsiness R96. Some find it hard to know where their money is R96 and struggle with account linking and default settings . Despite these issues, many users describe it as easy to use and navigate for payments .
Reliability tieR1R4R13R14
Summit Credit Union Summit Credit Union's app frequently experiences issues such as being under maintenance R4, unknown errors R4, freezing R14, and not loading . Login problems, particularly with robot verification and captchas, are common R1R13. Users also report issues with Zelle R16 and card verification .
PayPal PayPal users face reliability problems including slow app performance R96, login failures , and payments not processing . Money can get stuck in pending status for extended periods R79R87R96, and some report issues with money being held or taken R76.
Price/Value tieR5R22R45R64
Summit Credit Union Summit Credit Union users mention high interest rates R5 and illegal overdraft fees R45. One user reported a significant discrepancy in their account balance R22.
PayPal PayPal users complain about fees, particularly for international transfers R87, and money being held or taken R76. Some users feel they were scammed and PayPal did not protect them R64. There are also complaints about push notification ads .
Support edge: Summit Credit UnionR1R23R26R38
Summit Credit Union Summit Credit Union users praise the staff and customer service for being helpful and accommodating R23R26R38. However, one user experienced a continuous loop of 'proof you are human' without IT assistance R1.
PayPal PayPal's customer service receives widespread criticism for being terrible, with users reporting difficulty speaking to real people R61R94R113. Many find support to be AI-decision based and unhelpful R61R94R113R115, with agents wasting time or giving false information R113.
Pick Summit Credit Union if

Pick Summit Credit Union if you prioritize strong in-person or phone customer service and are willing to tolerate current app usability issues, especially if you value a credit union relationship R23R26R38.

Pick PayPal if

Pick PayPal if you need a widely accepted payment platform with diverse features like 'Pay in 4' and invoicing, and are comfortable navigating potential app slowdowns and limited customer support .

Evidence note: Recent reviews for Summit Credit Union are heavily skewed negative due to a major app update, which contrasts with its higher lifetime rating. PayPal's reviews, while numerous, also show a significant number of recent negative experiences, particularly concerning customer service and money holding issues.

Frequently asked

Is the Summit Credit Union app reliable for daily banking?
The Summit Credit Union app has faced significant reliability issues recently, with users reporting frequent maintenance, unknown errors, freezing, and problems with login verification and Zelle functionality R4R13R14R16.
Does PayPal have good customer service?
PayPal's customer service is widely criticized by users as being terrible, with many reporting difficulty speaking to real people, reliance on AI, and unhelpful or time-wasting interactions R61R94R113R115.
Are there issues with PayPal holding money?
Yes, PayPal users frequently report issues with money being held or stuck in pending status for extended periods, sometimes for weeks or even months, which can be very frustrating R76R79R87R96.

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. [R9] Summit Credit Union 3/5 · US Accounts: I wish I could see all my accounts even the business on the home page without having to switch users
  2. [R36] Summit Credit Union 3/5 · US Limited Functionality: App has very limited use. My mortgage, for example, shows no recent history yet I get charged monthly and make a monthly payment. Hoping for expanded functionality soon...
  3. [R44] Summit Credit Union 5/5 · US LOVE ❤️ So easy to use!!!: App is so easy to use and I LOVE all of the new features that help me manage and my money and make sure I am on track. This app is jam-packed with amazing tools - seriously there are too many things to list - my favs are dashboard view, the spending analysis, the ability to check on my CD’s, the balance widget (game-changer) and the spending alerts. Even though there are
  4. [R50] Summit Credit Union 5/5 · US Great update !: I like the new visibility of transactions now . Seems way easier to keep an eye on your spending habits !
  5. [R2] Summit Credit Union 5/5 · US Me facilita todo: Es fácil de usar y muy conveniente. Me gusta administrar mi cuenta con esta aplicación.
  6. [R3] Summit Credit Union 3/5 · US App: Very clunky
  7. [R7] Summit Credit Union 2/5 · US App: The app does not work on my laptop. I use my cell phone to look at accounts. The app is a little difficult to move between accounts when comparing or searching for entries. I often sign out by accident and have to sign in a couple of times to complete my banking needs.
  8. [R10] Summit Credit Union 1/5 · US App: It’s an app for online banking. It’s not good, other credit unions and apps are better. Kind of really hate this online bank, UW Credit Union app is way better and seriously, this looks and operates bad. Keep doing updates but still the same old garbage.
  9. [R1] Summit Credit Union 1/5 · US Prove you are human: After being on basic hold for 25 min trying to solve this continuous loop of “proof you are human” code…… still not working! Had to hang up as I couldn’t wait any longer. No IT Dept to assist on the phone. Frustrating to say the least!
  10. [R4] Summit Credit Union 2/5 · US App seems to be under maintenance a lot.: It’s seems like I am unable to get into my app with unknown errors that relate to app maintenance, being given errors with no solution when I need access to my money now, not later.
  11. [R13] Summit Credit Union 2/5 · US Robot Verification doesn’t work: The app is helpful but I can’t login any longer. It’s stuck on the robot verification. It asks me to check the box, I do, then it loads for a second and then asks me to check the box again.
  12. [R14] Summit Credit Union 4/5 · US The app is excellent, just crash sometimes.: The app works and gets the job done, but from time to time it freeze and stop working. I am sure it is something that it’s getting worked on.
  13. [R5] Summit Credit Union 5/5 · US Carísimos los interés: Los interéses son demasiados altos
  14. [R22] Summit Credit Union 1/5 · US Bruh they stole my money: Bro I had $5,045 in my bank but when I got app I only had $2
  15. [R45] Summit Credit Union 3/5 · US Great app, questionable services: Their overdraft fees are illegal. Always call to get removed.
  16. [R64] PayPal 1/5 · US Got scammed: Paypal let a company named Deeply scam me big time PP reimbursed me 89.00 because I was charged for an item (double order)I didn't order then turned around and denied me and took the 89.00 back. I was willing to return the item but never received instructions from the company Deeply. So don't think PP will have your back and protect you.
  17. [R23] Summit Credit Union 5/5 · US Good People: The staff is always willing to accommodate my requests and needs.
  18. [R26] Summit Credit Union 5/5 · US Great Relationship: I’ve been with Summit Credit Union for 33 years. They have always been the financial mentor and partner I can count on.
  19. [R38] Summit Credit Union 5/5 · US Summit, great employees: I have been with Summit credit union a long time. The institution and their employees are wonderful and always are willing to help. They treat me like family and I do not know what I would do without all of these people.💯
  20. [R16] Summit Credit Union 1/5 · US Zelle: Tried to send money to daughter using Zelle. Could NOT find Zelle in my app and the app is current.
  21. [R61] PayPal 1/5 · US Terrified customer service: Absolutely terrible customer service they have nobody real you can talk to and everything is AI decision based. Do Not Trust them with your money
  22. [R94] PayPal 1/5 · US Digital company but no online support: Every time I have some issue I have to call as the chatbot and agents from support don’t solve anything. Only in the USA a digital company for online payments still living in the phone age.
  23. [R113] PayPal 5/5 · GB Scams: I had to give it a 5 start review cause this PayPal people won’t let this be posted on the review since I downloaded this and I needed help with customer service that people are so rude disgusting people the waste your time for nothing just so they can’t tell you to wait and they never help you guys don’t trust this app delete this app before the waste and give you false information one of
  24. [R115] PayPal 5/5 · GB Rubbish App: The only reason for the 5 stars so it does not get removed. I requested a simple transfer/ Withdrawal to my linked HSBC Account which has been verified a small withdrawal for an instant transfer but ended up taking 5 days starving me and my kids last time will be using paypal rubbish and there AI is stupid no common sense didn’t have any answers for me just repeated the same thing ove
  25. [R76] PayPal 1/5 · US No good: Every time i try to use this app they take so much money and now my money is stuck inside the app for 30 days this app sucks
  26. [R79] PayPal 1/5 · US Where is my money: My friend sent me $1,000 over a month ago and they have not given it to me, it just stays in pending. I have called them and it hangs up saying unavailable at this moment. Never use this app
  27. [R87] PayPal 3/5 · US It’s good: PayPal is great but sometimes they put my money on hold which is very annoying. I get it’s for security purposes but at times it’s annoying because they keep my money for weeks. And also, I use euro and my friend uses usd and when I send I get a fee but when see sends she doesn’t. But overall the app is good
  28. [R96] PayPal 3/5 · GB Ok: Works but everything is slow and clumsy by today’s standards. Often hard to know where your money actually is, as it can disappear for several days. Klarna for example feels streets ahead and safer.

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