# CTFCU Mobile Banking — user reviews > 50 indexed App Store user reviews of CTFCU Mobile Banking by Carolinas Telco Federal Credit Union, rated 4.90/5 from 5,026 ratings. - Source: https://appshunter.io/ios/app/ctfcu-mobile-banking/id565962183/reviews - App overview in markdown: https://appshunter.io/ios/app/ctfcu-mobile-banking/id565962183.md - Rating breakdown: 5★ 4,596 · 4★ 325 · 3★ 62 · 2★ 13 · 1★ 30 ## What do users think of CTFCU Mobile Banking? Overall sentiment: neutral **Pros** - 👍 Convenient mobile banking - 💡 Ability to check balances and pay bills - 👍 Easy to use app - 👍 Reliable and secure - 👍 Great for older users **Cons** - 🐛 App crashes and freezes - 🐛 Slow to load and unresponsive - 🐛 Issues with mobile check deposit - 🔒 Inconvenient login process **Commonly reported bugs** - App not compatible with newer devices - Inability to switch between multiple accounts on iPhone - Inconsistent credit card information display **Most requested features** - Add Zelle transfer capability - Improve app performance and stability - Implement Face ID/Touch ID login - Provide real-time transfers and bill pay - Offer a dark mode option ## Newest reviews (13 of 50) ### 3/5 — Lock n Unlock Card Option *2026-02-07, version 4019.1.0* We need the option to be able to lock and unlock our cards in the app like others credit unions ### 4/5 — Easy service! *2024-01-19, version 4011.1.0* Very easy to use app and you can do a viriaty transaction useing the app. Wonderful service and easy tonavigate. ### 3/5 — Love the union but *2023-09-07, version 4009.1.1* When will we receivecash back or options for help with gas the economy isn't what it use to be and with banking with a bank that can help does help. Just my thoughts ### 5/5 — Amazing!!! *2022-05-12, version 3023.4.0* Who ever developed this app did an amazing job. ### 5/5 — Convenience *2022-03-28* It is so convenient to do mobile banking. Saves me a lot of time and eliminates the need to always run to the bank. ### 5/5 — Love it *2022-03-24* I was hesitant when the app changed but it is so functional it’s unreal. I love the things I can do without going to the credit union or calling. The more I use it, the more I like it ### 5/5 — Transfers need some work with iPhone *2022-01-25* Have to scroll around, zoom in to see amounts. Young eyes with big iPhones most have tested this. ### 5/5 — Combined *2021-12-06* It’s so much easier to have our shared accounts all in one place with only one password. Great idea!! ### 5/5 — O *2021-11-13, version 3020.1.1* Just need Zelle. Love all the security tho ### 4/5 — The biggest issue with Carolinas Telco is you can’t wire money to an individual or company. *2021-10-19, version 3020.1.1* The biggest draw back of Carolinas Telco is you can’t wire money. ### 5/5 — Wow! *2021-05-25, version 3018.0.0* This app makes banking so much easier ### 5/5 — Love the update!!! *2021-04-06, version 3016.2.2* Way to go CTELCO!!! Love the update. Makes my life so much easier!! ### 5/5 — Much better *2021-04-01* This app is much improved over the last app. I love seeing the running total after each transaction. Good job ## Most critical reviews (10 lowest-rated) ### 1/5 — Zelle *2025-05-22, version 4017.0.0* Please add the ability to transfer money using Zelle. All other banks have this function within their app. ### 1/5 — Need Zelle *2025-04-05, version 4016.1.2* They need to add Zelle to the app. ### 1/5 — I can’t open the app *2024-07-26* Any time I click on the app it just shows a white screen and never loads at all. I’ve deleted the app multiple times and checked to see if my phone and the app was up to date and nothing worked. I’ve even contacted the app developers to see if they could help and I got no response. ### 1/5 — TOO SLOW *2024-04-27, version 4012.3.0* My funds are always to slow to come into my account ### 1/5 — difficult log in *2022-10-12, version 4002.3.0* i also bank with Charlotte Metro—i wish that app designer could show them how to do a log in screen correctly ### 1/5 — Horrible App *2021-03-30, version 3016.2.2* So far behind in today’s banking. You can’t even make a mobile deposit with this useless app. F- ### 1/5 — Can not log in *2021-03-01, version 20.2.50* I have gone on the mobile website as well as desktop site and can log in, had to redo entire log in system due to this system “upgrade”. Now all saved names are gone, I do not know what account is what, and I can no longer use mobile app. Very inconvenient. ### 1/5 — Terrible New Login Process *2017-10-27* I pay attention to online security. Each site has its own unique password and most are too complex to remember. I have a password manager to remember passwords. In order to login to my credit union account, I open the password manager, copy the password, then open the credit union app and paste the password. Since the July 2017 update, I can no longer paste the password into this app. I now have the unpleasant choice of opening the password manager on another device and carefully typing my lengthy and complex password each time I want to use the app or picking a short and simple password that’s both easy to remember and insecure. Thanks for the update. It made this app virtually useless to me. ### 1/5 — Mobile Check Deposit Hangup *2014-01-27, version 4.3.197* After using the app to deposit checks on prior dates, the app is dropping while I photograph the front of check. Tried in the evening and then this morning with no success. Still aggravated since this happened once before. ### 2/5 — App not working *2026-07-14, version 4021.2.0* If I press into the app it just takes me to a blank white screen and does nothing more. Has been doing so for over a month now and still no fix ## Most praised reviews (10 highest-rated) ### 5/5 — Convenient *2026-07-16, version 4021.2.0* Love the convenience of online banking ### 5/5 — Exceptional *2026-04-22* I have my two cars with you, and never I had a problem, and always helped with everything!! I love your service ### 5/5 — Reliable and safe *2025-12-18* Never have any problems with updates or loading. Always seems to be on track with what I actually have in the bank and shows exactly when I spend it. Also is easy to connect to other apps and direct deposit as well ### 5/5 — On Line Banking *2024-09-02* I love on line banking because I live a distance from the main office. I can mobile deposit my checks and check my balances. Also pay my bills and transfer from one account to another. It is great!!!! I am 79 years old!!! ### 5/5 — I love this bank!!! *2024-08-25, version 4014.0.0* I’ve been with this bank all my life and I adore the staff ### 5/5 — Erica McInnis *2024-04-30, version 4012.3.0* I love this App!! ### 5/5 — Best banking app *2023-12-04* Really like this app. Its very simple but that’s how banking apps should be. We also bank with some large national banks and they are constantly changing their interfaces etc. This one is great. ### 5/5 — Great service! *2023-05-23, version 4007.2.0* Easy to use. ### 5/5 — Bank *2023-04-25, version 4007.2.0* Love them ### 5/5 — App *2022-05-30* I love the app very user friendly but issue is bank will not allow transfer from Apple Pay --- *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 2026-08-28.*