# Caro Smart Financial Solutions > Mobile banking app for account access, fund transfers, and financial management. (iPhone/iPad app by Caro Federal Credit Union.) - Source: https://appshunter.io/ios/app/caro-smart-financial-solutions/id969245664 (this page in markdown: same URL + `.md`) - Developer: [Caro Federal Credit Union](https://appshunter.io/developer/969245663) - Category: Finance - Price: Free - Rating: 4.50/5 from 15 App Store ratings · 13 written reviews indexed - Age rating: 4+ - Requires: iOS 16.0 · 249 MB - Languages: American English - Released: 2015-03-10 - Data updated: 2026-08-19 - Monetization: ad-supported - User reviews in markdown: https://appshunter.io/ios/app/caro-smart-financial-solutions/id969245664/reviews.md ## What is Caro Smart Financial Solutions? With the Caro Federal Credit Union mobile app, you can access your accounts quickly and securely whenever, wherever. Features include: • Safe and secure access to your accounts 24/7 • View balances and recent transactions • Transfer funds and schedule future transfers • View your statements electronically • Mobile Deposit • Credit Score monitoring • Pay Bills • Find the closest branch or ATM To enroll in the mobile app, you must be a member of Caro Federal Credit Union. Please visit www.smartcaro.org or call 1-800-476-5861 for more information on joining. This credit union is federally insured by the National Credit Union Administration and is an Equal Housing Lender. ## Key features - Secure 24/7 account access - View balances and transactions - Fund transfers and scheduling - Electronic statement viewing - Mobile check deposit - Credit score monitoring - Bill payment - Branch and ATM locator ## Recent user reviews (10 of 13) All indexed reviews: https://appshunter.io/ios/app/caro-smart-financial-solutions/id969245664/reviews.md ### 5/5 — Convenient *2026-07-02* Love this app. There are so many functions besides transferring funds. I can start investment funds here too! ### 5/5 — Updated app is great! *2026-05-09* Much needed upgrade to this app. It is now very intuitive and works great. I am trying to find the messages list however. But I’m loving the new app so far. ### 1/5 — No instructions *2026-03-21* They revamped the system but have no guidelines. Keep saying my username is invalid but don’t provide parameters to a valid username. Very frustrating ### 4/5 — Easy to use *2020-06-26* I like using the app since I’m in a different state. It’s easy to use and I like the mobile deposit feature. The only thing I wish it had was something like Zelle to do electronic transfers to other banks or individuals. ### 4/5 — Fix sign in *2019-02-08* Please consider removing acknowledgment of “timed out” prompt. Thanks ### 1/5 — Not for an iPad *2019-01-24* Locked me out of my iPad app. Insisted I download this version, which is not for an iPad. It is for an iPhone. Sideways--too big to see but only a few entries. ### 3/5 — Bug *2018-07-05* Please remove the annoying pop up box that says I have timed out. It’s kind of assumed when I close the app that I will have to log in again. Also when the app has been killed it still comes up even though it’s a new instance. My very first lesson in coding was don’t use pop up boxes because they are annoying. ### 1/5 — Almost no features *2018-03-08* This app is void of almost any of the features I have in my other banking apps. You can not deposit checks, you can not see more than 3 weeks(used to be a month) of transaction history, you can not see account/routing numbers. It’s almost pointless to have. I am forced to use the desktop version every time I need to do something. ### 1/5 — Needs Updated *2017-12-23* Customers are supposed to be able to deposit checks to their account through the app but after being a customer for three years there still is no option to deposit checks from my app. ### 1/5 — Logs you out when you "tab out" *2016-10-10* On an iPhone, you can cycle between apps...essentially "tabbing out" to another app by double-tapping the home button. This is handy when you're using other apps like a check book app. So I log into the Carolina Collegiate app, log in, then want to "tab" over to my check book app, and I toggle back and forth to balance my checkbook. This app logs you out every time you do this. Which is HIGHLY annoying. I'd rather use the web site on the phone than the app. As of 10/2016 this still has not been fixed. It makes it very difficult to switch over to another app that I use to balance my account, because I have to keep logging back in. I don't see how this can be a security issue because I have an app with another credit union that keeps me logged in for a certain amount of time. I'll continue using the website on my phone until this is resolved. ## Frequently asked questions about Caro Smart Financial Solutions ### Is Caro Smart Financial Solutions secure? Yes, Caro Smart Financial Solutions offers safe and secure access to your accounts 24/7. It is federally insured by the National Credit Union Administration. ### What devices does Caro Smart Financial Solutions support? Caro Smart Financial Solutions is available for iPhone and iPad devices. ### How often is Caro Smart Financial Solutions updated? The latest version is 20.2.44, and the app was last updated on March 15, 2026, indicating regular updates for performance and security. ### What are the main features of Caro Smart Financial Solutions? Key features include viewing balances and transactions, transferring funds, mobile check deposit, bill payment, and credit score monitoring. ### Can I pay bills using Caro Smart Financial Solutions? Yes, the app allows you to pay bills conveniently from your mobile device. ### Does Caro Smart Financial Solutions have ads? Yes, Caro Smart Financial Solutions contains advertisements. ### How do I enroll in Caro Smart Financial Solutions? To enroll, you must be a member of Caro Federal Credit Union. Visit www.smartcaro.org or call 1-800-476-5861 for more information on joining. ### What is the age rating for Caro Smart Financial Solutions? Caro Smart Financial Solutions has an age rating of 4+. ## Version history (last 5 releases) ### 20.2.49 — 2026-08-11 • NEW Kasasa Dashboard- track your rewards from your online banking • NEW SureLock Credit and Identify Protection Service To enroll in the mobile app, you must be a member of Caro Federal Credit Union. Please visit www.smartcaro.org or call 1-800-476-5861 for more information on joining." ### 20.2.48 — 2026-06-02 Minor Bug Fixes. ### 20.2.47 — 2026-04-22 Bug Fixes. ### 20.2.45 — 2026-03-31 Bug Fixes. ### 20.2.44 — 2026-03-15 Experience the all-new digital mobile banking. ## Apps similar to Caro Smart Financial Solutions | App | Rating | Price | Category | | --- | --- | --- | --- | | [Spero Financial \| Mobile](https://appshunter.io/ios/app/spero-financial-mobile/id672367072) | 4.8 (937) | Free | Finance | | [SAFE Federal Credit Union](https://appshunter.io/ios/app/safe-federal-credit-union/id1472260509) | 4.8 (8,842) | Free | Finance | | [Carolina FCU](https://appshunter.io/ios/app/carolina-fcu/id6596757172) | 5.0 (3) | Free | Finance | | [CFFCU Mobile Banking](https://appshunter.io/ios/app/cffcu-mobile-banking/id891425995) | 3.1 (34) | Free | Finance | | [Curis Mobile](https://appshunter.io/ios/app/curis-mobile/id6736343004) | 4.8 (705) | Free | Finance | | [PCFCU Cards](https://appshunter.io/ios/app/pcfcu-cards/id6740382395) | 4.3 (6) | Free | Finance | ## More apps by Caro Federal Credit Union - [Caro Smart Card](https://appshunter.io/ios/app/caro-smart-card/id1571328827) All apps by Caro Federal Credit Union: https://appshunter.io/developer/969245663 ## Related topics [solutions credit union](https://appshunter.io/ios/topics/solutions-credit-union) --- *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 2026-08-19.*