# 121 Financial Mobile Banking — user reviews > 31 indexed App Store user reviews of 121 Financial Mobile Banking by 121 Financial Credit Union, rated 3.41/5 from 32 ratings. - Source: https://appshunter.io/ios/app/121-financial-mobile-banking/id580602718/reviews - App overview in markdown: https://appshunter.io/ios/app/121-financial-mobile-banking/id580602718.md - Rating breakdown: 5★ 15 · 4★ 3 · 3★ 3 · 2★ 2 · 1★ 9 ## Newest reviews (10 of 31) ### 2/5 — Password system is terrible *2021-12-04, version 8.0.5702* I have a problem every single time I try to sign in. It makes me change my password every time, then gives me error messages that I didn’t do it right, then eventually locks me out of my account. I have never been able to just sign in & use this annoying app without it becoming an hour long process involving phone calls & resets. So frustrating!!! ### 3/5 — Great Credit Union. Bad App. *2017-03-27, version 5.0.4049* #1 Need: Touch ID login. Also could use polishing in look and navigation. But the credit union itself is great! ### 2/5 — Missing!!!! *2015-10-29, version 4.7.153* Where is the mobile deposit button???? That's the only reason i download this app. ### 2/5 — Defective hybrid app *2015-05-26, version 4.7.153* This is a hybrid app, that is, a native app she'll around a website. It's also for low resolution iPhones - everything looks huge on my Plus. It also requires to login each time I open it. Unfortunately it has a major issue. It shows the IRA account and Certificate totals as zero balance - the website shows them correctly. It is very fast though. Perhaps it's so clunky I am the only one using it. ### 3/5 — New problem *2013-09-24, version 4.3.197* Using the iPhone and the new iOS 7 software there is a problem reading the security questions. The background is basically black, and the questions are in black text. It is very difficult to read the question. ### 2/5 — Great Improvements But... *2013-09-07, version 2.5.22* Great improvements made so far. I'm now able to view and switch accounts. View history of each accounts, too. But only allows transfer to some accounts. Not all accounts I have access to online are available in app to select for "transfer to". Also, still unable to view bill payment history. Only able to view pending payments. Lastly, please add link in app to go to online website for ease when function needed is not available in app. ### 2/5 — Not working after switching phones *2013-07-24, version 2.5.22* I switched my iPhone 5 and rebuilt my profile from a backup. Since then the app has stopped working - it hangs up trying to verify my "identity"! I have uninstalled and reinstalled on the phone & still no luck. Apart from that, when I was able to get in, the app was wonderful to use. ### 2/5 — Change Accounts *2013-06-16, version 2.5.22* Needs to be updated to allow to switch accounts. It always goes to the one account when I would like to check other account I have. ### 3/5 — New 121 App *2012-12-21, version 2.4.9* First I have to say, it's about time! More importantly, I would love to see a deposit feature, lots of other bank apps allow you to deposit by taking a picture. ### 2/5 — Doesn't work for more than one account *2012-12-20, version 2.4.9* I have multiple accounts and I am only able to log into the first account I used. There is no way of going to the log in screen and enter a different account. Unable to download a second app to access 2nd account. I like the fact you can access bill pay which could not be done using mobile site. If access to multiple accounts is given in future enhancements 5 stars ## Most critical reviews (10 lowest-rated) ### 1/5 — Super outdated ! *2022-12-08, version 9.0.5724* This app is super outdated! Can’t see pending deposits can’t do Mobile deposits . App is super sketchy ! ### 1/5 — Constant issues *2021-08-13, version 8.0.5702* Have constant issues with mobile check deposit. Support tells me I have to delete the app and re install. I’ve had to do that 5 times. Easier to go to a bank now than fight with it. ### 1/5 — PLEASE UPDATE APP!! *2018-05-02, version 5.0.4049* This app is overly outdated! It is in dire need of an update. Honestly this app is what is preventing me from making 121 Financial my primary financial institution. ### 1/5 — Not a good app. Lacking polish and basic functionality. *2015-09-27, version 4.7.153* I don't use my credit union account often but the app seemed like a good idea for the occasional deposit or balance check. I have always had issues with the app resetting login when I leave the app, go to another, then return. I have also had huge issues with the app forgetting my identity when upgrading phones or if I recall correctly on certain iOS upgrades. It wouldn't recognize me again with my upgrade to iPhone 6s so I went through the process. I started asking me verification questions I knew for a fact I never gave answers to. The app is just buggy. So I just uninstalled it and hope one day they will improve it enough to take up space on my phone. The credit union itself has basically all but lost my business because of some of their practices. Now what little I still do with them has become much more difficult so I may leave altogether soon. ### 1/5 — Upset *2015-09-23, version 4.7.153* This app Requires a host of security questions that I have yet to create..pleas fix‼️‼️‼️ ### 1/5 — System error *2015-07-05, version 4.7.153* I get this every time I open it. It's been a week and it still won't fix. Not worth your time to have. ### 1/5 — Can't sign in *2015-01-05, version 4.6.37* Keeps asking security questions. Can't get pass login. ### 1/5 — Needs improvement *2014-09-17, version 4.6.37* So far all I've been able to do is answer security questions to "confirm my identity". How many times must I confirm my own identity?! ### 1/5 — Typical Useless App *2014-08-05, version 4.5.177* Most apps are a waste of space on iphone. This one included. 1. iPhone's Highlight/Copy/Paste does not work in this app; can't copy any entry (interest; transactions, etc.). 2. Cannot access the PopMoney section of BillPayer to zap $$. So why bother having an app when you have to also use the browser to access the real site to do what you want/need to do? SMH. ### 1/5 — Stuck on start up *2013-04-10, version 2.5.22* When I start the app it gets stuck on verifying identity. ## Most praised reviews (10 highest-rated) ### 5/5 — Touch ID perfect *2020-07-22, version 7.0.5506* I don’t understand the reviews talking about Touch ID! I use it every time I log in. Great app, easy to understand! ### 5/5 — Mobile Banking App *2013-01-07, version 2.4.9* Love the new iPhone app. Now--can you make one for iPad??? ### 5/5 — Finally! *2012-12-21, version 2.4.9* I've been waiting on an iPhone app to come out & now that I have it, I'm satisfied. Very user friendly! ### 5/5 — Love this app! *2012-12-20, version 2.4.9* I love this app. Not only can you check balances and transaction history, you can also transfer funds and pay bills! ### 5/5 — A great start! *2012-12-20, version 2.4.9* This is a great jump towards meeting my needs as a member. I am sure they will do all they can to improve where needed or suggested. ### 4/5 — App needs work *2022-06-21, version 8.0.5702* I just recently joined 121 Financial and I’m satisfied with how quick everything has progressed. However, when I open my app, only my checking account is visible, not my savings. I called the help line and they were able to see my savings account, however it’s still not showing up on my end. Why? ### 4/5 — Fingerprint access *2018-07-18, version 6.0.5404* Add a fingerprint please! ### 4/5 — Missing one thing *2016-02-10, version 5.0.4049* This app is great! Definitely better than the old black app, BUT it would be even better if the fingerprint ID were added. Perhaps one day in the future an update for this added feature will be available.... ### 4/5 — Almost perfect *2013-01-18, version 2.4.9* Mobile check deposit is all that's missing here and this will be perfect! ### 4/5 — Good app! It's finally here! *2013-01-14, version 2.4.9* Love the fact that 121 now has a mobile app. However, I'd love to be able to see a mobile deposit for checks. I am glad to know that I don't have to use a pc to check balances. Please 121 add mobile deposit!!!!!!!!;) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*