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Updated July 2026 · real, multi-region App Store reviews
Head-to-head

Metro Credit Union Mobile vs Meritrust Mobile

Metro Credit Union Mobile 4.8★ · Free to download 65
Winner Metro Credit Union Mobile
Meritrust Mobile 4.6★ · Free to download 55

Metro Credit Union Mobile has a slight edge over Meritrust Mobile due to its higher lifetime rating and more frequent positive feedback on ease of use, despite both apps suffering from recent reliability and functionality issues.

Full reviews: Metro Credit Union Mobile · Meritrust Mobile

Both Metro Credit Union Mobile and Meritrust Mobile are free banking apps that have faced significant user frustration due to recent updates, leading to glitches, login problems, and reduced functionality. While Metro Credit Union Mobile generally receives more praise for its ease of use, Meritrust Mobile's users frequently complain about its clunky interface and slow performance.

Head to head

Ease of Use edge: Metro Credit Union MobileR2R3R7R8
Metro Credit Union Mobile Many users find Metro Credit Union Mobile easy to use and convenient for banking on the go R2R8. However, a significant number of recent reviews report the app is hard to use, especially after updates, with issues connecting other banks, transferring money, and navigating R3R7R18R22.
Meritrust Mobile Meritrust Mobile users frequently describe the app as confusing, not self-explanatory, and difficult to use, particularly for transfers and setting up payments . Some users miss the old app's quick view widget and find the new interface unintuitive and clunky .
Reliability and Performance tieR5R7R12R15
Metro Credit Union Mobile Metro Credit Union Mobile has significant issues with reliability, with users reporting constant errors, lagging, crashing, and the app not working properly after updates R5R7R12. Login problems, including Face ID not working and needing to re-login multiple times, are common complaints R12R15R21R27.
Meritrust Mobile Meritrust Mobile is widely criticized for its poor reliability and performance, with users experiencing constant crashes, freezing, slow loading times, and frequent error messages . Many users report issues with logging in, including Face ID problems and being asked to verify their device repeatedly .
Features and Functionality tieR4R11R18R22
Metro Credit Union Mobile Users report that Metro Credit Union Mobile has lost features with new updates, such as searching old transactions and card control R18. There are also complaints about limited payment options, inability to add memos to checks, and issues with transfer limits R4R22R35. Some users appreciate new features like Zelle integration R11.
Meritrust Mobile Meritrust Mobile is criticized for lacking basic features like a quick view widget for balances and the ability to see payee details in bill pay . Users find it difficult to make loan payments, often requiring multiple steps and external transfers R66. The app also has issues with Plaid integration and some users report the balance changing overnight .
Customer Service and Banking Experience tieR1R13R14R19
Metro Credit Union Mobile Metro Credit Union Mobile users report issues with customer service, including unhelpful support, difficulty closing accounts, and rude representatives R1R13. There are accusations of predatory lending practices and delays in payment processing leading to late fees R1R19. Some users, however, praise the helpfulness of tellers and the ease of contacting support R14.
Meritrust Mobile Meritrust Mobile users have mixed experiences with customer service. Some praise helpful staff at branches and quick responses after contacting support . However, others report difficulty reaching customer service by phone, unreturned calls, and issues with resolving payment problems . There are also serious complaints about mismanaged payments and fraud prevention .
Pick Metro Credit Union Mobile if

You prioritize an app that, despite recent issues, is generally considered easy to navigate for basic banking tasks and has a higher overall lifetime rating R2R8.

Pick Meritrust Mobile if

You value an app that has seen recent performance improvements and offers some new features, and you are willing to overlook its clunky interface and frequent login verification requests .

Evidence note: Both apps have a significant number of recent negative reviews, often citing issues that arose after updates. The lifetime ratings are higher than what recent reviews suggest, indicating a decline in user satisfaction. Evidence for both apps is strong on reliability and ease of use, but less so for specific features and customer service, where experiences are mixed.

Frequently asked

Are these apps free to download?
Yes, both Metro Credit Union Mobile and Meritrust Mobile are free to download.
Do these apps have login issues?
Yes, both apps frequently experience login issues, including Face ID not working, constant error messages, and repeated requests for verification codes or device re-registration R12R15R21R27.
Are there problems with making payments or transfers?
Yes, users of both apps report difficulties with making payments and transfers; Metro Credit Union Mobile users mention limited payment options and transfer limits R4R22R35, while Meritrust Mobile users find loan payments convoluted, often requiring multiple steps and external transfers R66.

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. [R2] Metro Credit Union Mobile 5/5 · US Great!!!!: The app is very easy to use and convenient.
  2. [R3] Metro Credit Union Mobile 3/5 · US Hard to use: This app is hard to use, especially connecting other banks and transferring money
  3. [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.
  4. [R8] Metro Credit Union Mobile 5/5 · US Easiest Banking App to use: Everything about the app makes banking on the go easy.
  5. [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
  6. [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
  7. [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.
  8. [R4] Metro Credit Union Mobile 1/5 · US Paying su-ks: Don’t like how we have only one option on how to pay. Should be able to pay over phone or use cc
  9. [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
  10. [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.
  11. [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
  12. [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.
  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. [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 !!!
  15. [R19] Metro Credit Union Mobile 1/5 · US Don’t trust Metro: I used their raggedy app and my payment went 30 days past due. I was a 808 Experian score. Never missed a payment before. I never got a call from Metro letting me know either I wa about to go 30 days past due. My credit goes down over 100 points in 1 shot. I call to see what happened. They tell me I scheduled the payment for the correct month but 1 year on the future. I don’t bu
  16. [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.
  17. [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.
  18. [R35] Metro Credit Union Mobile 2/5 · US Transfer limit: My money is subject to a daily transfer limit??,
  19. [R66] Meritrust Mobile 3/5 · US Loan payments: I’m regretting switching my loan payment over to this credit union. They’ve serviced it well. The problem is how tough they make it to simply make a payment. They require the customer have a savings account and that they make the payments from it. So there’s this huge hassle every month to make an external transfer into this account (which takes at least a day or two to process) bef

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