# Cobalt Mobile Banking — user reviews > 113 indexed App Store user reviews of Cobalt Mobile Banking by SAC FCU, rated 4.84/5 from 3,967 ratings. - Source: https://appshunter.io/ios/app/cobalt-mobile-banking/id1228209200/reviews - App overview in markdown: https://appshunter.io/ios/app/cobalt-mobile-banking/id1228209200.md - Rating breakdown: 5★ 3,189 · 4★ 288 · 3★ 76 · 2★ 14 · 1★ 19 ## What do users think of Cobalt Mobile Banking? Overall sentiment: neutral **Pros** - 👍 Reliable banking experience - 👍 Familiar and user-friendly UI - 👍 Helpful credit score features - 👍 Great customer service - 👍 Spectacular personal loan service - 👍 Aesthetically pleasing app - 👍 Convenient mobile banking - 👍 Stable and trustworthy credit union **Cons** - 🐛 Frequent app crashes and downtime - 🐛 Login and password issues - 🐛 Inconsistent app performance - 🐛 Outdated and limited app features - 🐛 Difficult check deposit process - 🐛 Ads and unnecessary prompts - 🐛 Lack of dark mode and text size options - 🐛 Face ID/Touch ID frequently deactivates **Commonly reported bugs** - Inability to update or install app - Continuous login loop issues - Blank/crashing app on launch - Inconsistent app behavior on iOS 16.4 **Most requested features** - Running balance history - External account transfers - Credit card payment integration - Improved notification system - Enhanced accessibility options ## Newest reviews (14 of 113) ### 4/5 — Account Hacked *2026-02-09, version 4019.1.0* I don’t understand how someone can pull money from your account and you have never purchased anything from them and you only use your card at certain merchants and never online. I’m very confused ### 4/5 — Great customer service *2025-08-28, version 4018.0.0* Staff treats me with the utmost respect with each encounter and continues to teach me about the services available to me. ### 5/5 — Greatcobalt *2025-06-12, version 4017.1.1* I love the app and cobalt! ### 4/5 — Cobalt App *2025-05-06, version 4017.0.0* I love the aesthetics of the app, but some features are hard to find. I’d like to see the payment and statement features more easily accessible. ### 5/5 — Thankful I switched! *2025-05-01, version 4016.2.2* I was with Wells Fargo for 15 years and had so many problems. I have several family and friends that have Cobalt. I made the change about 4 months ago and I am already so pleased to have Cobalt for my financial needs! ### 5/5 — The best *2025-02-08, version 4016.0.1* Cobalts staff in Denison are amazing! ### 3/5 — Deposit option is the hardest I’ve ever deposited a check through. *2025-01-19, version 4015.1.2* Love the ap other than trying to deposit a check is not an easy task! My pinnacle bank ap is so easy to capture the photo, on Cobalt it’s a very frustrating thing to do. It takes me forever to get the check in the correct spot. ### 5/5 — New update *2024-11-30, version 4015.0.1* New update makes this app a lot easier to navigate and feels clean and nice ### 5/5 — Love Cobalt *2024-10-22* Was introduced to Sac Credit Union first when I need a car loan and they gave me a perfect reasonable deal. They have been nothing but good to me. Trying to get my brother in Oklahoma to invest in going to a Credit union to keep his money and use Cash app as a tool instead of a Bank. He has a son and I just want home responsible. Cobalt is family to me one of the stable things in my life and I thank you. Lillian ### 5/5 — Good *2024-09-18* Good ### 5/5 — Regina a customer *2024-08-29, version 4013.2.0* Never once have I experienced a bad situation with employees they are VERY VERY PROFESSIONAL ### 5/5 — Best Banking App *2024-08-15, version 4013.2.0* I mean talk about an upgrade. If there was a vote for best banking app in America Cobalt Credit Union will be getting every single vote in the United States of America including myself. The attention to detail is impeccable, the color way of the app is stunning, and my God the ability to see how much money is in my account without having to full open the app is artificially noble. -Blessings, Akech Kuot Ngor Akech Akol ### 5/5 — Great upgrade! *2024-08-12, version 4013.2.0* New app is clean looking and so user friendly! I really like how easy it is to move money and get my credit score. ### 5/5 — Fantastic Customer Service *2024-08-10, version 4013.2.0* Thanks Robin for having great people at the Bellevue Branch. ## Most critical reviews (10 lowest-rated) ### 1/5 — Stop notification spam!!! *2026-07-23, version 4021.0.2* Ahem. STOP SENDING NOTIFICATIONS SOLICITING CUSTOMERS FOR LOANS OR OTHER PRODUCTS! YOU ARE ABUSING YOUR CONTRACT WITH YOUR CUSTOMERS THAT NOTIFICATIONS BE *IMPORTANT*!!! QUIT SENDING ADS IN NOTIFICATIONS OR LET US OPT OUT OF THEM! NOW!!! ### 1/5 — Not working properly *2026-05-29, version 4021.0.2* It’s not working properly to login & always have the errors, please fix it! ### 1/5 — Unnecessary solicitations *2024-12-01, version 4015.0.1* Please remove the ads for products from the account list. Putting this between me and my money is only going to sour me on your products. And stop with the digital id prompts. I also wish you honored my phone’s dark mode and text size settings. Why is all the text huge?! Otherwise, pretty great app. ### 1/5 — App is incredibly dated and constantly down. *2024-08-30, version 4013.2.0* Considering changing banks because 3/5 days of the week my app is usually down. How is this app this bad? ### 1/5 — Change Password to Login *2024-08-21, version 4013.2.0* Ever since the update, it’s required to change your password for security reasons. I try to verify my identity with all the information, which I know is right, and it doesnt go through while giving me a reference code. When i look the reference code up, no online searches can be found to help me. ### 1/5 — Blank screen *2024-08-08, version 4013.2.0* Doesn’t work ### 1/5 — App is incredibly dated and constantly down. *2024-08-08* Considering changing banks because 3/5 days of the week my app is usually down ### 1/5 — Update has locked me out *2024-08-07, version 4013.2.0* Since the update, I am now unable to log in. I went and changed my credentials on the website and got all of it reset. Still nothing on app. Come on, this is the simple stuff. ### 1/5 — L *2024-08-07, version 4013.2.0* I feel like I login to a mobile game every time I use the app it feels slow and unprofessional ### 1/5 — Worst costumer service I’ve ever seen *2024-08-06, version 24.1.70* The people at the bank are alright and fine. But this app is terrible. It’s down for “repairs” or “maintenance” almost every time I open it. In the last 2 weeks I’ve opened this app about 5 times a day to try and check my balance and I’ve only been able to actually check it whenever the actual bank is open not whenever I want or on my time. Worst banking app I’ve ever seen. ## Most praised reviews (10 highest-rated) ### 5/5 — Good service *2026-07-01, version 4021.0.2* Banking over 25 years. Very satisfied. ### 5/5 — Wow! *2026-04-29, version 4020.2.0* Coming from a giant bank to Cobalt was one of the best decisions we made! Customer service is great and the app itself is incredible intuitive and easy to use. ### 5/5 — Tara is very polite and professional and the rest are very friendly.. *2026-04-08, version 4020.2.0* Jan Peden Pape ### 5/5 — Mobile banking *2026-04-02, version 4020.1.1* Easy to use. ### 5/5 — Customer friendly *2026-01-06, version 4019.0.3* Simple and easy to use! ### 5/5 — Un buen banco *2025-12-13, version 4018.1.1* Me encanta esta aplicación ### 5/5 — Reliable *2025-12-04, version 4018.1.1* Straight forward online banking and familiar UI w/ useful credit score features ### 5/5 — Always the Best *2025-10-10, version 4018.1.1* Cobalt Credit Union is just the best. Always there for me when I need them. They don’t try to squeeze fees out of me and they don’t open phantom accounts in my name like banks do. ### 5/5 — Personal Loan *2025-07-31, version 4017.2.0* Spectacular Service ### 5/5 — La mejor cooperativa *2025-06-15, version 4017.1.1* Gracias Cobalt por ayudarme en momentos difíciles y con intereses bajos . --- *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.*