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

Summit Credit Union vs Capital One Mobile

Summit Credit Union 4.7★ · Free to download · ⚠ stale 60
Winner Capital One Mobile
Capital One Mobile 4.8★ · Free to download 85

Capital One Mobile offers a more reliable and feature-rich banking experience with fewer reported technical issues compared to Summit Credit Union, despite both apps being free.

Full reviews: Summit Credit Union · Capital One Mobile

Capital One Mobile generally provides a smoother and more functional user experience, with users praising its ease of use and comprehensive features. Summit Credit Union's app, while appreciated by some for its convenience, is frequently criticized for bugs, login issues, and a clunky interface, especially after recent updates.

Head to head

Features edge: Capital One MobileR9R16R20R36
Summit Credit Union Summit Credit Union users have mixed feelings about features. Some appreciate new tools for money management, spending analysis, and checking CDs . However, others find the app's functionality limited, with issues like not being able to see mortgage history or business accounts on the home page, and problems with Zelle transfers R9R16R20R36. Recent updates have removed the ability to schedule external transfers for some users .
Capital One Mobile Capital One Mobile users praise its extensive features, including easy account management, card locking/unlocking, and integration with store apps for savings . Users appreciate being able to view multiple Capital One accounts in one app . However, some are frustrated by the constant bombardment of upsell offers and ads within the app R73R81R118.
Ease of Use edge: Capital One MobileR2R3R6R7
Summit Credit Union Summit Credit Union's app receives conflicting feedback on ease of use. Some users find it easy and convenient for managing accounts R2R20. However, many recent reviews describe the app as clunky, unintuitive, and difficult to navigate, especially after updates R3R7. Issues include too little info per screen, difficulty moving between accounts, and a cluttered main view R6R7.
Capital One Mobile Capital One Mobile is widely considered easy to use and navigate . Users appreciate its straightforward setup and seamless transactions . Some complaints exist about font size being too small with no option to enlarge and frequent password change requests .
Reliability edge: Capital One MobileR1R4R13R14
Summit Credit Union Summit Credit Union's app has significant reliability issues. Users report frequent maintenance, unknown errors, and the app not working half the time, making it difficult to access funds R4. Login problems are common, including continuous 'proof you are human' loops, robot verification failures, and Face ID not working R1R13R18R30. The app also crashes or freezes sometimes R14.
Capital One Mobile Capital One Mobile generally performs reliably, with many users finding it works great . However, some users report issues such as the app crashing, freezing, or being slow to load . There are also reports of payments being denied or not processing correctly R61R78R87.
Price/Value tieR5R33R45R67
Summit Credit Union Both apps are free to download. Summit Credit Union users mention high interest rates on loans R5 and illegal overdraft fees R45. Some also report issues with slow payment processing for Visa, taking up to a week R33.
Capital One Mobile Capital One Mobile is also free to download. Users complain about high interest rates on loans and being charged without notice . There are also reports of slow payment processing, hindering bill payments R84 and issues with credit line increases being denied despite good credit scores R67.
Support edge: Summit Credit UnionR1R23R26R38
Summit Credit Union Summit Credit Union receives positive feedback for its staff and customer service, with employees described as helpful, accommodating, and caring R23R26R38. However, some users report difficulty reaching IT for app issues R1 and slow responses to fraud .
Capital One Mobile Capital One Mobile users report mixed experiences with support. While some appreciate card protection and monitoring , others state customer service was unable to help with issues like disappearing shopping links or issues with referral bonuses . There are also complaints about lack of customer loyalty R67 and being treated unprofessionally .
Pick Summit Credit Union if

you prioritize strong in-person or phone customer service and are willing to overlook app reliability issues, or if you are already a satisfied Summit Credit Union customer who finds the app convenient despite its flaws R2R23R26.

Pick Capital One Mobile if

you need a banking app with a wide range of features, a generally smooth and easy-to-use interface, and better overall reliability, even with some occasional bugs and in-app advertisements .

Evidence note: Summit Credit Union's recent reviews are heavily skewed negative due to a significant app update, leading to many 1-star and 2-star ratings. Capital One Mobile has a much larger volume of reviews, which helps balance out individual negative experiences.

Frequently asked

Does Summit Credit Union's app have login issues?
Yes, many Summit Credit Union users report frequent login problems, including continuous 'proof you are human' loops, robot verification failures, and Face ID not working consistently R1R13R18R30.
Can I see all my accounts in one place with Summit Credit Union's app?
Some Summit Credit Union users wish they could see all their accounts, including business accounts, on the home page without having to switch users, indicating this functionality may be limited R9.
Are there issues with payments or transfers in Capital One Mobile?
Yes, some Capital One Mobile users report issues with payments, including funds being submitted but charges remaining pending, payments being denied, and money not coming off their card for certain transactions R61R78R87. There are also complaints about slow payment processing R84.
Does Capital One Mobile have ads?
Yes, Capital One Mobile users frequently report being bombarded with ads and upsell offers within the app, such as for browser shopping extensions, balance transfers, and personal loans R73R81R118.

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. [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.
  3. [R20] Summit Credit Union 5/5 · US Convenient: The app is pretty easy to use and very convenient. My only negative is they have such a low limit on Zelle transfers.
  4. [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...
  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. [R6] Summit Credit Union 3/5 · US Better and worse: This new version is better at consolidating accounts but worse at presenting them. So little info is allowed per screen compared to the old version. I sish there were s way to display accounts in a “comact” mode, more information per screen.
  8. [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.
  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. [R33] Summit Credit Union 3/5 · US Visa payment process: It is very frustrating the way bank or visa department manages the payments. It does take up to a week for a payment to be processed and able to use card.
  15. [R45] Summit Credit Union 3/5 · US Great app, questionable services: Their overdraft fees are illegal. Always call to get removed.
  16. [R67] Capital One Mobile 1/5 · US Lack of customer loyalty: After years of being a loyal customer, I had repeatedly requested a credit line increase and was repeatedly denied. While other credit card companies have granted increased. Due to this, I’ve decided to use a competitors services moving forward.
  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. [R18] Summit Credit Union 3/5 · US Please fix facial recognition feature: I often have to delete and reinstall the app to get this feature to work. 😬
  21. [R30] Summit Credit Union 3/5 · US No Face ID: The app asks for login credentials every single time I try to login using Face ID, defeating the purpose. Very frustrating. If the dev team sees this and has any suggestions for resolving once and for all, will gladly take that input.
  22. [R61] Capital One Mobile 1/5 · US Payment: I have summited funds for payment but the charges are still pending not paid. I Cannot move on. Very troublesome.
  23. [R78] Capital One Mobile 3/5 · US Kept denying payments: Tried paying for optional cruise tours and paymentskept getting denied.
  24. [R84] Capital One Mobile 3/5 · US Credited: My issue is that I feel that it takes relatively way too long for the payment process in the delivery and accessible credit to your account and really isn’t making any sense and it hinders me to pay bills when the delay is so long and strenuous
  25. [R87] Capital One Mobile 3/5 · US Bugs: For some reason when I pay certain things my money doesn’t come off my card.
  26. [R73] Capital One Mobile 1/5 · US ONE STAR. Lousy bank and app. Ads throughout app: STUPID, ANNOYING REFERRAL POPUP. CAN’T EDIT PAYMENTS, MUST CANCEL TO EDIT. RIDICULOUS CHECKING ACCOUNT OFFER EVERY TIIME I OPEN THIS LAME APP. SLIDE TO PAY IS GIMMICKY WITH A CHEAP EXPERIENCE!
  27. [R81] Capital One Mobile 3/5 · US Good for managing your account: The constantly bombard you with offers to spend more money..
  28. [R118] Capital One Mobile 2/5 · US So much garbage upsell: I would love to be able to open this app without being constantly bombarded with upsell. I do not want to install your browser shopping extension, I do not want to transfer a balance, I do not want a personal loan. Let me manage my accounts in peace.

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