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

Metro Credit Union Mobile vs UFCU Mobile

Metro Credit Union Mobile 4.8★ · Free to download 45
Winner UFCU Mobile
UFCU Mobile 4.7★ · Free to download 55

UFCU Mobile has a slight edge over Metro Credit Union Mobile, primarily due to fewer severe complaints about core banking functionality and slightly better overall reliability, despite both apps suffering from frequent bugs and performance issues.

Full reviews: Metro Credit Union Mobile · UFCU Mobile

Both Metro Credit Union Mobile and UFCU Mobile are plagued by frequent bugs, slow performance, and login issues, leading to user frustration. While Metro Credit Union Mobile faces more serious accusations of predatory practices and payment processing problems, UFCU Mobile users frequently complain about excessive updates and slow loading times.

Head to head

Features tieR11R14R18R22
Metro Credit Union Mobile Metro Credit Union Mobile users appreciate features like Zelle integration and the ability to bank from anywhere, especially for those overseas R11R14. However, many complain about lost features after updates, such as transaction search and card control R18, and the inability to add memos to checks R51. Some users find the app's options extremely limited, particularly for paying loans or resetting passwords R22.
UFCU Mobile UFCU Mobile users find the app useful for basic banking like viewing balances, transfers, and mobile deposits . Recent updates have added Zelle integration . However, users desire more advanced features like a 'remaining statement balance' option for credit cards and the ability to set up alerts for credit card payment due dates . There are also complaints about the search feature being ineffective and the removal of pending deposit notifications .
Ease of Use tieR2R3R8R15
Metro Credit Union Mobile Many Metro Credit Union Mobile users find the app easy to use and convenient for banking on the go R2R8. However, a significant number of users report difficulty connecting other banks, transferring money R3, and navigating the app's layout . Frequent requests for text codes for every action are a major source of frustration R15R21.
UFCU Mobile UFCU Mobile is described as simple, basic, and easy to understand and navigate by some users . Conversely, many users complain about the app being slow to load and constantly kicking them out, requiring repeated logins . The user interface is also criticized for not consistently marking credits in green .
Reliability edge: UFCU MobileR1R5R7R12
Metro Credit Union Mobile Metro Credit Union Mobile users report severe reliability issues, including constant error messages R5R7R12, the app not working properly for weeks or months R7, and frequent crashes or blank screens . Face ID and Touch ID often fail R27, and the app is described as extremely slow and lagging R31. There are also serious concerns about payments not being processed timely or correctly R1.
UFCU Mobile UFCU Mobile also faces significant reliability complaints, with users reporting constant crashing , slow loading times , and frequent login errors . Face ID often stops working after updates . Mobile check deposit functionality is inconsistent, with issues scanning the back of checks R69R87. Users also note that statements often fail to load .
Price/Value tieR1R13R100
Metro Credit Union Mobile Metro Credit Union Mobile is free to download. However, some users report outrageous fees and difficulty closing accounts R13. There are also accusations of predatory lending practices, with the app allegedly designed to cause late payments R1.
UFCU Mobile UFCU Mobile is free to download. While there are no direct complaints about fees within the app, some users express frustration with the overall banking experience, with one user recommending avoiding the bank due to bitter staff and lack of common sense R100.
Support edge: UFCU MobileR10R13R14R31
Metro Credit Union Mobile Metro Credit Union Mobile users have mixed experiences with support. Some find it easy to contact and available when needed R14, while others report that calling support was unhelpful R13 or that customer service was rude and patronizing R45. There are also complaints about the bank not having 24/7 service R31 and the website having known issues that are not communicated R10.
UFCU Mobile UFCU Mobile users generally praise the institution's customer service as amazing R75 and helpful R80. However, one user criticizes the staff as bitter and unhelpful, recommending avoiding the bank R100. Messaging responses within the app are noted to be slower than before updates .
Pick Metro Credit Union Mobile if

You are an existing Metro Credit Union customer who values a simple interface for basic transactions and banking from anywhere, and you are willing to tolerate frequent app glitches and potential payment processing issues R2R8R14.

Pick UFCU Mobile if

You prioritize an app that generally works for basic banking needs, even if it has frequent updates and occasional slowness, and you appreciate good customer service from the institution itself R75.

Evidence note: Both apps are free to download, so there is no free-vs-paid asymmetry. Recent reviews for both apps are heavily skewed negative, indicating a decline in user experience despite higher lifetime ratings.

Frequently asked

Which app is easier to log into?
Neither app offers consistently smooth login; Metro Credit Union Mobile users frequently report Face ID issues, constant error messages, and repeated requests for text verification codes R12R15R21R27, while UFCU Mobile users also experience Face ID failures and are often forced to manually log in after updates .
Do these apps support mobile check deposit?
Both apps support mobile check deposit, but users of both report issues; Metro Credit Union Mobile users complain about the inability to add memos to checks R51, and UFCU Mobile users frequently experience problems with the check scanning feature, particularly for the back side of checks R69R87.
Which app has better customer support?
UFCU Mobile's institutional customer service is generally praised as amazing and helpful R75R80, whereas Metro Credit Union Mobile users have mixed experiences, with some finding support unhelpful or rude R13R45.

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. [R11] Metro Credit Union Mobile 5/5 · US Very good for a credit union banking app: MCU has implemented new features. Works better than some smaller local banking apps
  2. [R14] Metro Credit Union Mobile 5/5 · US Awesome Credit Union !!!: I’m overseas most of the time and Metro makes life so easy for traveling and banking from anywhere in the world on this App !!! Always easy to contact and available if you need help. 40 years with them !!!
  3. [R18] Metro Credit Union Mobile 3/5 · US Lost features/ very basic: Many of the old features including searching old transactions can no longer be done. The app has a lot of glitches, for example the ‘card control’ feature doesn’t work anymore either.
  4. [R22] Metro Credit Union Mobile 1/5 · US Extremely limited: For a bank app I’m taken a back by how limiting this bank’s options are. I can’t pay loans using my checking and routing, adding a debit or credit card as a form of payment is tightly secured most attempts will never work. Forgot your password? Get ready, nothing will work, you’ll be bounced out over and over and start questioning your own sanity. This UX is so bad had I known I
  5. [R2] Metro Credit Union Mobile 5/5 · US Great!!!!: The app is very easy to use and convenient.
  6. [R3] Metro Credit Union Mobile 3/5 · US Hard to use: This app is hard to use, especially connecting other banks and transferring money
  7. [R8] Metro Credit Union Mobile 5/5 · US Easiest Banking App to use: Everything about the app makes banking on the go easy.
  8. [R15] Metro Credit Union Mobile 3/5 · US Keeps asking for code via text Everytime I log in: How do I stop that? I've registered my biometric and my device in the app yet every time I log in, it used faceid but then next page shows the option to pick to insert 6-digit code. How do I stop that? Please help.
  9. [R1] Metro Credit Union Mobile 1/5 · US Predatory lender: App is set up in a way to prevent you from making payments on time they also delay the over the phone payments to force late payments, doing my best to transfer this loan to a new company.
  10. [R5] Metro Credit Union Mobile 5/5 · US App is always messed up: The app is always messed on some we have a error I have to get off then go back in over n overthink I’m going to leave this bank
  11. [R7] Metro Credit Union Mobile 1/5 · US Terrible app: Loved this app until they decided to destroy it with new update. Please bring the old app back. Update: For the last few weeks the app has not been working properly. when you first login you get an error message and you’re not able access your accounts.
  12. [R12] Metro Credit Union Mobile 3/5 · US Login: I can’t login to check my account for the life of me it was doing pretty well before something must’ve happened in which ever time i try to login there’s an error
  13. [R13] Metro Credit Union Mobile 1/5 · US Outrageous fees: Totally outrageous fees!! Calling support wasn’t any help!! Tried to close out my account multiple times!! Support refused to close it!! Worst Bank EVER!! Do Not Recommend!!
  14. [R100] UFCU Mobile 1/5 · US Avoid this bank: I recommend any other bank, but this bank they have the most bitter staff, and they will not help you. They do not have any common sense when it comes to working with you and Sally to say they are worse than Bank Of America girl.
  15. [R10] Metro Credit Union Mobile 1/5 · US Website needs to match app: Make sure you get the app because their safari website has known issues that they don’t tell you about until you are late on your payments.
  16. [R31] Metro Credit Union Mobile 1/5 · US Will be leaving metro: I used metro when I was a teen and it worked out for me because I had a part time job and only a few savings. However it has not really grown with me especially in a electronic world. There is always a problem with the app, it is so slow. It needs a major glow up. There’s always a maintenance issue and The banking services take forever and I really dislike that there is not
  17. [R21] Metro Credit Union Mobile 3/5 · US Really Frustrated: I am in the Credit union via the app. Practically every move I make, even after I have logged in, forces me to get a code via text message to proceed. I think 6 times they asked me obtain the code they will send via text. Too frustrated to keep going and I never did get to the link to verify a newly opened account. This is crazy.
  18. [R27] Metro Credit Union Mobile 1/5 · US Face ID not working: for a week now face ID wont work whatever update they did ruined it. Have to do banking on my computer which is inconvenient when im out if i need to transfer something.
  19. [R51] Metro Credit Union Mobile 1/5 · US Cannot add memos to checks on app: App doesn’t allow you to write a memo on a check. Please fix that. Also new version of app takes multiple tries to open a new page like to nav from account to pay your bills.
  20. [R69] UFCU Mobile 3/5 · US New trouble with mobile deposit: Generally, app has worked fine - now I’m having trouble with mobile deposit, in particular the back side of check. It keeps saying the edges of the checks are not located and take another photo. Tried many different surfaces, lighting. There is nothing unique about this check (payroll) check). This is main function why I use the app.
  21. [R87] UFCU Mobile 3/5 · US Latest update broke mobile check deposit usability: Latest update borked the check scanning feature to despot checks. Front scan works, back scan does not.
  22. [R45] Metro Credit Union Mobile 1/5 · US Your customer service is terrible and app is slow: First of all this is one on the slowest apps I have ever used. Second I TRIED to make a payment (GIVE YOU MONEY) and the customer service rep was rude and absolutely patronizing and would NOT take my payment because it’s my husband on the loan. seriously, I have the account number and I did NOT want any information. I just wanted to GIVE YOU MO
  23. [R75] UFCU Mobile 3/5 · US I love this bank but the app sucks: Customer service is amazing but the app literally doesnt work when you need it to.
  24. [R80] UFCU Mobile 5/5 · US Lifetime of Security: My dad signed me up for my first credit union account & for about 70 years I have enjoyed the security & financial freedom because of that guidance. When I moved to Austin, UFCU was my second credit union because I had been hired by COA. I was encouraged to transfer my small savings & was given access to it. I was then referred to UFCU & I have managed my account with excelle

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