# CapFed® Mobile — user reviews > 50 indexed App Store user reviews of CapFed® Mobile by Capitol Federal Financial, Inc., rated 3.67/5 from 506 ratings. - Source: https://appshunter.io/ios/app/capfed-mobile/id1263984466/reviews - App overview in markdown: https://appshunter.io/ios/app/capfed-mobile/id1263984466.md - Rating breakdown: 5★ 284 · 4★ 41 · 3★ 27 · 2★ 40 · 1★ 114 ## What do users think of CapFed® Mobile? Overall sentiment: negative **Pros** - ✅ Streamlined check deposit feature - ✅ Convenient mobile banking access - ✅ Bill pay with ability to add payees - ✅ Personal finance tool integration - ✅ Clean and modern design (newer version) - ✅ Improved from previous app version **Cons** - 🐛 Face ID/Touch ID unreliable and frequently fails - 🐛 Constant login authentication failures - 🐛 App frequently crashes and goes down for maintenance - 🐛 Users locked out after failed biometric attempts - 🐛 Password reset issues and frequent password changes required - 🐛 Mobile deposit feature frequently rejects checks - 🐛 Limited transaction history visibility (90 days or 3 months only) - 🐛 Cannot view pending transactions - 🐛 App doesn't remember user preferences between sessions - 🐛 Repetitive feature introduction pop-ups - 🐛 Slow pending transaction updates - 🐛 Clumsy and unintuitive user interface - ⚠️ Lacks features compared to competitors (Bank of America, etc.) - ⚠️ Limited functionality - mostly view-only for account balance - ⚠️ No running balance display - ⚠️ Mobile deposit has undisclosed $2K limit **Commonly reported bugs** - Face ID not working despite being enabled in settings - Touch ID fails intermittently, requiring password entry - App locks users out after single failed biometric attempt - Password authentication fails even with correct credentials - App crashes 3-4 times before successful login - Mobile deposit rejects checks with valid endorsements - App frequently unavailable with 'unable to process request' errors - Biometric login loses settings after app updates - App doesn't recognize device for Face ID despite setup - Repetitive feature pop-ups that cycle back after dismissal - App stays logged in when closed, creating security issue - Two-factor verification SMS/calls not received on app - Phone number on file not recognized by app despite being in system - App not optimized for iOS - missing Face ID on newer iPhones - Navigation issue: users bumped back to beginning transaction instead of previous one **Most requested features** - Enable Face ID support for iPhone 14 and newer models - Add ability to view transactions older than 90 days - Display pending transactions in real-time - Show running account balance - Improve mobile deposit with better error messages and higher limits - Add principal-only transfer option for mortgage accounts - Implement persistent user preferences for biometric login - Remove or disable repetitive feature introduction notifications - Enhance app to match competitor functionality (Bank of America level) - Add multi-factor authentication options beyond biometrics - Improve second-line verification for iPad and other devices ## Newest reviews (14 of 50) ### 2/5 — FaceID and Transaction History *2022-12-05, version 5.0.0.2036* App does not support Face ID with iPhone 14. Should be updated. Also don’t like looking at a specific transaction and then being bumped back to the beginning transaction instead of back to the transaction. ### 2/5 — Constantly crashing *2022-09-14, version 5.0.0.2036* I don’t mind CapFed for banking, but the app is constantly failing me. They have it down for maintenance almost every single night it seems, or for whatever reason it won’t let me log in after 9pm. I like to do a lot of my financial planning and budgeting at night after work and 80% of the time I’m not able to. ### 2/5 — Frustrating *2022-02-14, version 5.0.0.2036* Why is there no ability to see transactions older than 90 days? Do I really have to go to the bank in person for this? Systems integration needs to be a priority. ### 2/5 — App is terrible *2021-07-28, version 5.0.0.792* About once a month it’ll reject my passcode and finger print and make me re-enter my password. I’ve had to change my password about 6 or 7 times in the past year because half the time it doesn’t even recognize that. If you’re on the fence between two banks, choose the other one because Cap Fed’s app is very frustrating. ### 2/5 — Unreliable. Fix face recognition *2021-05-17, version 5.0.0.792* I have banked for years at CapFed, despite the app always being behind the times. Now, Face ID does essentially nothing and I’m very frustrated with the performance of this app. Please fix it. ### 2/5 — App is awful *2020-12-07, version 4.6.2.248* I have been a CapFed customer for 20 plus years and love this bank. However, the mobile app is awful. It constantly blocks you from logging in due to updates, glitches and then locks you out so you have to reset your password and of course you can’t use the same password from 3-4 years ago. Has to be a brand new combo. It’s really annoying and frustrating. You would think after all this time it would quit glitching. ### 2/5 — Average *2020-11-05, version 4.6.2.248* It’s handy to use but a lot of basic glitches that i feel could be easily fixed: 1: fingerprint isn’t reliable and makes me re-enter my password about 25% of the time. 2: it almost ALWAYS lets me know of these “new” features, even though they were introduced several months if not a year or so ago. ### 3/5 — Needs Work *2020-07-12, version 4.6.2.248* It’s frustrating that I can’t see pending transactions. My old bank showed what was waiting to be withdrawn or deposited into my checking account which was really cool. Helped me keep track of things easier. This app however only shows transactions after they’ve gone through, and only lets you see the past 3 months. I have to hunt up my statements to see anything further back than 3 months. I wish the app offered more in the way of viewing transactions. ### 3/5 — Ok but it could be better *2020-06-22, version 4.6.2.248* I also use Bank of America and their mobile app is just so much better. I wish they would try and create something more like BOA. Basically all I can really use this for is to see how much I have in my account. Pretty dry app. ### 3/5 — It’s OK *2020-06-08, version 4.6.2.248* I have to delete the app and reinstall it every few days when it stops recognizing my login credential. Kind of frustrating. ### 2/5 — Mobile deposit is worthless *2020-04-07, version 4.6.2.248* I love the new app but can not get one single check to deposit. Have tried at least 15 times. I follow the instructions, use proper lighting, etc. Every single time I get a decline notification because there is no endorsement, even though the endorsement is there. I have to drive all my checks to the ATM. ### 2/5 — Can’t always access *2019-12-19, version 4.4.4.46* It’s not uncommon to get an”unable to process your request” message when I am trying to log in. I know my password is correct. Very annoying when I am trying to work on bills and can’t get into the app or website. ### 2/5 — Too secure for fingerprint reader *2019-10-17, version 4.4.4.46* Fingerprint reader for log in only gives one try then locks you out. Almost every time I use this app I end up having to log in through my browser to reset. Most apps give at least 3 tries before locking you out. ### 1/5 — Not optimized for iOS *2019-10-15, version 4.4.4.46* That is what I was told when I reach them to complain of several issues. More often than not finger ID doesn’t work. So this just got even worse. On a new iPhone 11 it has no feature for Face ID so have to type in the credentials every time. So iPhone 5!!! ## Most critical reviews (10 lowest-rated) ### 1/5 — Terrible App *2022-09-09, version 5.0.0.2036* As others have noted, Touch ID seldom works and when entering user ID and password instead get error message saying one or both invalid (when they are not) and if one retries a couple times get locked out. Also always get authentication required. What’s that? No other info and only option is is “OK” and thus can’t proceed. If you are going to offer this to your customers make sure it works. Par for the course with Capfed though when it comes to anything innovative or anything to do with automation. Canceled the app, now think it’s time to cancel Capfed altogether. Also, it asks for a nickname in order to send a comment like this but regardless of what one writes, it always says nickname taken, try again! Even totally obscure nicknames, ie: random letters. As mentioned…TERRIBLE!!! ### 1/5 — Tired of signing in *2021-11-07, version 5.0.0.2036* It works good for a couple weeks with my Face ID. Then it doesn’t read my face or accept my user/password. Then I have to go throw the whole process again. It’s a waste of time & it always happens when I don’t have my information on me. ### 1/5 — Barely functional *2021-10-22, version 5.0.0.2036* The UI is clumsy and barely functional. It never remembers my preference on Touch ID which causes an error every login. Need something closer to the functionality of the web browser version of mobile banking. ### 1/5 — Latest update renders FACE ID useless. *2021-05-16, version 5.0.0.792* Every time I log in to the app, I have to enter my password even though I have selected the option to use FACE ID. I sent a report of this to the developers within the app….no response that they even received the report. PLEASE FIX! ### 1/5 — Terrible bank. Worse app. *2021-05-09, version 5.0.0.792* I was on the fence about cap fed due to a multitude of reasons, but this app is the worst app possible. Face ID doesn’t work. Finger print doesn’t work. Password occasionally doesn’t work. App is constantly down for maintenance or something and just will not allow you to long on period. Legit just an awful app. ### 1/5 — Touch ID and Face ID *2020-12-30, version 4.6.2.248* App works fine except once a week you have to enter your password because the app will not recognize you. I’ve had to change my password at least 20 times due to this. And to update your password you have to login on a computer. Please fix this problem Cap Fed. I do not have these problems with any other banking app. ### 1/5 — Most Inconvenient App *2020-10-29, version 4.6.2.248* This is by far the most inconvenient app I have ever used. The first time my Face ID doesn’t recognize me, I get locked out of my account completely. Not even my password on their website will work. Never gives you a second chance to change your face, just locked out one try. You then have to go into a bank to reset your password (all the banks are closed due to covid and the drive thru wont do it). This is probably the 5th time its happened since they released it and Im done. I will just login through their website WHENEVER I get my account unlocked. Fingers crossed no one is using my card number during this time. ### 1/5 — So frustrating *2020-08-27, version 4.6.2.248* Won’t let me log in with Face ID anymore so I try my password but it doesn’t work. I go online on my computer to reset password but the phone numbers linked to it are bogus. I’ve tried everything and I’m confident in my user ID and password but the related phone numbers are just random so I can’t login to fix updating my password ### 1/5 — Worst bank ever *2020-04-12, version 4.6.2.248* Online banking is horrible. Have had to call in three times on the same day to reset the password because even the temp password doesn’t work. “Forgets” finger print every other week. Bank gave no notice of closing walk-in business due to coronavirus so have been unable to access safety deposit for a month. Leaving this bank as soon as I can ### 1/5 — TRASH!!! *2020-01-25, version 4.4.4.46* This app is total garbage! 9 times out of ten the fingerprint log in won’t work and when I do try to enter in my ID and password it says that it needs a further security check. What the heck? I get it, but it shouldn’t take me ten minutes just to see how much my account is at. Also, when I try to do a mobile deposit now you have to write other stuff on the back of the check that I can never even remember what it is. It’s just too much work for something that should be simple. Not worth my time. ## Most praised reviews (10 highest-rated) ### 5/5 — Fantastic. *2018-08-31, version 4.4.4.46* The new app is a much better step up than the old application. The design, ease of access, and functionality is wonderful. I’m glad they updated it. I’ve had no issues signing in or accessing my account either. Not sure why others are seeming to have problems, but I couldn’t be happier. ### 5/5 — So many new features! *2018-08-30, version 4.4.4.46* This app is such a great upgrade from the last one! The ability to add new payees to bill pay and FREE deposits are really nice additions as well as Touch ID. I used the Personal Finance tool in the online site and added some accounts held elsewhere and now I can see them in the app too! Log on was a little fickle the first time, but it took me all of five minutes to delete the mobile profile online and get up and running, so no harm done. I like it! ### 4/5 — Face recognition pop up *2020-09-22, version 4.6.2.248* Can you please turn off the notification that tells you that I have face recognition disabled on my iPhone every single time I try to log in. I know I have it disables I prefer it that way. But the notification pop up makes have to click “continue” twice ### 4/5 — Update the app to allow faceID *2019-10-16, version 4.4.4.46* Good app. I use it frequently and love the streamlined check deposit feature. Please update the app so I can turn on Face ID as my phone no longer has a fingerprint option. It says it allows Face ID and I have tried everything I can to turn it on but the app itself only has a fingerprint and passcode option. ### 4/5 — Unable to log on *2019-08-01, version 4.4.4.46* Spent several minutes unsuccessfully to log on my IPAD .everything works fine except no text from bank for second line varification. Had to use my laptop and had no problem. This app must have some kind of bug ### 4/5 — Principal only *2018-11-07, version 4.4.4.46* It would be really helpful to be able to do a principal only transfer to a mortgage account. ### 3/5 — Needs improvement and better testing *2022-10-07, version 5.0.0.2036* The latest update only has TouchID to login as an option for an iPhone 14 Pro Max. TouchID doesn’t exist on this phone. FaceID was an option on iOS 15 on my old phone. ### 3/5 — Last update created glitch with FaceID *2021-11-11, version 5.0.0.2036* FaceID FINALLY was working in this app! And then the update broke it. I have to log in with user ID and password every time. Please fix! ### 3/5 — Annoying glitches *2021-10-12, version 5.0.0.2036* I love Cap Fed and I do most of my financial business with them. The app’s a must have for mobile banking. BUT the most recent update has created some annoying glitches I wish they would fix. No. 1 glitch: Touch ID does not work reliably and I have to enter my password about every third time I log on. No. 2 glitch: every single time I log on I have to clear a screen introducing a new feature of the app. Some of these I’m not interested in so I’ve dismissed. They cycle back. Some of these I’ve read and they cycle back. This has been going on for months! Please make it stop At some point, glitch no 1 went away. Chops. But the latest update has re-introduced it. I cannot log in using facial recognition but rather must enter my long password every. Single. Time. I. Log. In. Daily. It does look like the latest update FINALLY fixed glitch no 2. Why did that take year? Will it return with the next update? Does the app programming team even review these reviews? ### 3/5 — Wish Face ID would work *2021-03-16, version 4.6.2.248* Have to enter my password every time I want to log in - says I’m not authorized to use Face ID on my own account. --- *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.*