# Atomic Credit Union — user reviews > 89 indexed App Store user reviews of Atomic Credit Union by Atomic Credit Union, rated 4.90/5 from 7,267 ratings. - Source: https://appshunter.io/ios/app/atomic-credit-union/id1085742428/reviews - App overview in markdown: https://appshunter.io/ios/app/atomic-credit-union/id1085742428.md - Rating breakdown: 5★ 6,498 · 4★ 574 · 3★ 138 · 2★ 21 · 1★ 36 ## What do users think of Atomic Credit Union? Overall sentiment: neutral **Pros** - 👍 Great bank with friendly staff - 💡 Convenient mobile app features - 🚀 Seamless user experience - 🔒 Secure banking platform **Cons** - 🐛 Frequent app crashes and bugs - 🔍 Difficult login and account access - 🤔 Confusing app updates and changes **Commonly reported bugs** - Login credentials not working after updates - App freezing and not loading account information - Inconsistent performance and functionality **Most requested features** - Bring back facial recognition login - Improve bill pay and money transfer options - Add Apple/Google Pay support ## Newest reviews (18 of 89) ### 5/5 — Hunter *2025-03-24, version 4016.1.2* As a student bank runner this is a great app ### 5/5 — This app is great *2025-02-18, version 4015.1.2* This app has nothing wrong with it, it functions well and everything. ### 5/5 — Momma Bear 1969 *2025-01-14, version 4015.1.2* Great bank great people ### 5/5 — Customer *2024-12-11, version 4015.1.2* Love them good service every thing I very goo ### 5/5 — The only bank I choose! *2024-09-07, version 4014.0.0* I am a forever member to Atomic credit union. I've had nothing but good experiences there and I love to watch the company invest and focus on young adults and seeing them climb the ladder of success! ### 5/5 — No title *2024-08-30, version 4014.0.0* They my homies 🤍 ### 5/5 — Bank *2024-08-29, version 4014.0.0* Best Bank by far! 💯🤩 ### 5/5 — Love this bank *2024-08-29, version 4014.0.0* The best bank I’ve been to by far! Friendly, informative, and always wanting to help us better our futures ### 5/5 — Atomic Credit Union *2024-07-25, version 4013.2.0* I joined the the ACU in 1978. This banking group has steadily improved their systems and locations immensely throughout this span of time. They are really helpful and polite. They worked with us several years ago to purchase some rental property and it really helped out with retirement. I would recommend this group to anyone needing a bank for the first time or needing a switch. ### 5/5 — Wonderful App *2024-07-19, version 4013.2.0* Easy to use and very convenient ### 5/5 — They are great such nice sweet people work there *2024-07-13, version 4013.2.0* They are 10/10 they have such nice people laid back help you out in any type of way hope To keep with them and get good experience with them as time goes on ### 5/5 — Atomic Credit Union *2024-05-02* I joined the the ACU in 1978. This banking group has steadily improved their systems and locations immensely throughout this span of time. They are really helpful and polite. They worked with us several years ago to purchase some rental property and it really helped out with retirement. I would recommend this group to anyone needing a bank for the first time or needing a switch. ### 5/5 — Hard to use *2024-04-02, version 4012.2.0* I think the new app is harder to navigate. The old one was better ### 5/5 — Best bank ever *2024-04-01, version 4012.2.0* They do a great job. The one in Waverly has the best drive through around. Nice people. ### 5/5 — Much Better!!! *2024-03-31, version 4012.2.0* Works much better than the old App! ### 3/5 — New App *2024-03-27, version 4012.2.0* Too many things to do to get on the app Why doesn’t it remember our info? I checked “remember info”. Then we have to get a 6 digit code and when you are in a line, it takes too long if you are in a hurry and type it in wrong?!?!!!! I like the old one better as far as getting in. All it needed was my face and I was in. BUT I do like the new look and the way it is set up after you get in. ### 4/5 — Update *2024-03-27, version 4012.2.0* Not crazy about the changes to this application ### 5/5 — Mobile app *2024-03-27, version 4012.2.0* Please stop changing the mobile app. Every time the app changes. I am in able to access my account and I wait for the branch to open to fix it. If is not broken don’t fix it ## Most critical reviews (10 lowest-rated) ### 1/5 — Thieves *2025-08-20, version 4018.0.0* Stealing from a senior citizen and taking my hard earned money is what this company stands for. Charging fees for things I had not authorized and for a bill pay when I was already in the hole. I was in the hospital and had no way to access my account but they refused to credit my account for the ridiculous overdraft fees that they charge. Thanks for taking my money ACU, my entire check that I was depending on was taken from me by your company ### 1/5 — Terrible app and company!!! *2025-03-04, version 4015.1.2* I had the old app it worked fine. Now since it updated I can’t access my account at all I have tried resetting the password and login info but it says my information is not valid even tho it’s the same stuff. Then the app tells me to click the help button to get customer service but when you click it the customer service screen says it’s unavailable. I just want to access my account and money and am not able to. ### 1/5 — New App *2024-03-19, version 4012.2.0* I have no issues with atomic, never have. However, they had a new app update today and it’s absolutely horrible. Just like any other app, it typically has updates every once in awhile, but every update has been perfectly fine. But this update is just NOT it. I’ve banked with atomic since 2019 and have always loved their app. Use to make everything so much easier. However, this new one is just a bit more difficult. It use to highlight in green anytime any transfer or deposit was made and now it doesn’t. Transferring is a bit weird. I do like that the routing number is easier to find. But that’s about it. ### 1/5 — App is crap *2022-05-20, version 9.0.9* App crashes every time i open it has for a month now and seriously considering moving banks beci cant see my funds ### 1/5 — Ok *2022-04-29, version 9.0.8* I can’t deposit a check without the app crashing. Frustrating. ### 1/5 — Great bank, horrible app *2021-10-22, version 9.0.7* What’s the point in having an app if it only works half the time? And the new update made both the website and app worse. It was an inconvenience before, but now it seems like it crashes more often than it doesn’t. Very disappointed. ### 1/5 — Trash *2021-08-31, version 9.0.7* This app is absolute trash. It is unreliable and prevents the user from seeing their pending transactions. Keeps showing my assets as a negative number instead of what’s in the account. I’m not talking account or pending balance, it’s total assets. Called the bank several times, told to ignore it bc “I’m sure it’s a glitch.” I have to use a laptop to see true account info. The last app was way better than this garbage. ### 1/5 — New app is awful *2021-05-19, version 9.0.4* After the recent update, the app has prevented me from logging in for a month and a half now, and if I try and register for an account with my pre-existing checking accounts, it will not let me. Very displeased with this app now. ### 1/5 — Trash *2021-05-01, version 9.0.3* Wouldn’t recommend this bank or app to anyone. Want a loan go somewhere else unless you have next to perfect credit or our friends or family with someone who works there. Will ask for you first born child as collateral. App always freezes if it works at all. Constant software updates but still nothing worth changing and always screws up after their update. High school computer teacher is their programmer I suppose. Small town bank who thinks they are a corporate bank. Needs to do a actual update that is more progressed then 2005. Don’t waste your time. Would rate negative if it was a choice. ### 1/5 — Total crap *2021-04-30, version 9.0.3* They changed this app for the worse for sure. I can’t even see the full screen on my phone. It’s cut off on the sides and bottom and instead of using a 4 digit pin to get in you have to type a full password everytime. Absolute worst system update and design I’ve seen. Not happy. ## Most praised reviews (10 highest-rated) ### 5/5 — User friendly *2026-05-11, version 4021.0.2* Easy and convenient atomic is the number 1 bank! ### 5/5 — Tim6 *2026-04-18, version 4020.2.0* The friendliest people in town work there. Great problem solvers. It feels like home. Just stay out of politics!! ### 5/5 — Shawn *2026-02-18, version 4019.1.0* Very easy to navigate and very helpful! ### 5/5 — Bank *2026-02-16, version 4019.1.0* Best Bank!! ### 5/5 — Great bank! *2025-08-06, version 4018.0.0* Been with them for years, very nice people. The app is easy to use as well. ### 5/5 — OMG *2025-06-08, version 4017.1.1* THE BEST BANK EVERRR ### 5/5 — Best service! *2025-04-29, version 4016.2.2* Atomic Credit Union really takes care of its members. Their app is so easy to use, does everything a member needs to track accounts. They are protective and secure, and always friendly and fast if you need help from customer service. I love Atomic. ### 5/5 — Great service *2025-04-29, version 4016.2.2* I have dealt with plenty of banks in my life but atomic is the best bank I know of ### 5/5 — Love my bank *2025-04-28, version 4016.2.2* The customer service at this bank is amazing. They dispute things for you in a timely manner. I would suggest this bank to anyone!!!! ### 5/5 — Login process *2025-04-05, version 4016.1.2* Only thing that could be better is if you brought back facial recognition --- *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 2026-08-26.*