# EFCU Financial Mobile Banking — user reviews > 51 indexed App Store user reviews of EFCU Financial Mobile Banking by EFCU Financial Federal Credit Union, rated 4.80/5 from 4,562 ratings. - Source: https://appshunter.io/ios/app/efcu-financial-mobile-banking/id805062899/reviews - App overview in markdown: https://appshunter.io/ios/app/efcu-financial-mobile-banking/id805062899.md - Rating breakdown: 5★ 4,169 · 4★ 232 · 3★ 74 · 2★ 20 · 1★ 67 ## What do users think of EFCU Financial Mobile Banking? Overall sentiment: mixed **Pros** - 👍 Easy to use - 🚀 Simplifies banking experience - 💡 Great app and institution - 👍 Helpful and professional staff - 👍 Convenient to make deposits **Cons** - 🐛 Buggy and unreliable - 🐛 Frequent crashes and login issues - 🐛 Outdated and glitchy app - 🐛 Inconsistent performance - 🐛 Verification issues **Commonly reported bugs** - Face ID/Touch ID issues - Frequent log-outs and password resets - Inability to transfer money between accounts - Deposit issues after app updates - Incompatibility with older devices **Most requested features** - Instant Venmo transfers - Early deposit feature - Satellite or local branch ## Newest reviews (13 of 51) ### 2/5 — horrible app *2026-06-07, version 25.2.100* The banking app ALWAYS has an error. It doesn’t load at the absolute worst times. ### 2/5 — Needs work *2026-05-30, version 25.2.100* This app glitches very often. It will force you to change your password too many times ### 2/5 — A very tired customer *2026-01-04, version 25.1.70* The app itself makes you not want to bank with EFCU. EVERY WEEK something is wrong with the app ### 2/5 — Reason for two stars. *2025-07-10, version 24.2.50* I have an account with them and I use this app, i recently just started working about 3-4 months ago so I’m always using the app. Though, on one occasion it disabled my Face ID, so I started using my password. Not even two days later it started saying that very same password was incorrect. And now, not even 10 minutes ago (10:15pm) it completely logged out, the username and password. It also never saves the information to my phone. ### 3/5 — Buggy *2025-06-28, version 24.2.50* Needs someone to fix bad code! ### 2/5 — Great support, bad app *2024-05-14, version 23.2.20* Interfacing with this app is a headache, but thankfully there’s a great support team to call and actually set up payments or do what needs to be done with your accounts. ### 3/5 — Good CU but undependable online banking *2024-02-28, version 23.2.20* Seems like the system is down when you need it most. Too many technical issues when trying to log in. This may be more of an IT issue than an App issue. ### 3/5 — App or what? *2023-11-07, version 23.1.71* On Saturday November 4th, app started having issues. It would load finally and show balances but you couldn’t load the debts. After a minute or two a box popped up saying there was a load error and to call a number. Well waited until today after having issues all weekend. Figured there would be no one to talk to on weekend. We my husband and I called at different times of the day all day today and no one answered the phone! Then it was coming up saying the whole site was having issues. Still can’t see anything and it has been 3 days! The the heck! ### 4/5 — Venmo *2022-11-16, version 22.1.101* Give us the option to make Venmo transfers instant. ### 2/5 — When it works *2022-05-02, version 21.3.40* It works great when the app lets you in with out forgetting your info and even if you remember your info it still doesn’t let you in for some reason. Two stars ### 3/5 — Log in *2022-04-13, version 21.2.70* You have to log in with the same information or have to uninstall and reinstall the app just to use it. You can be on the app using it and you are logged out. ### 3/5 — App *2022-01-20, version 21.2.70* You can’t transfer your money from another account . ### 3/5 — Verification *2021-11-28, version 21.2.70* Every time I log in I have to verify my number for no reason. So inconvenient! ## Most critical reviews (10 lowest-rated) ### 1/5 — Do better *2025-02-20, version 24.2.50* I transferred to this bank mid last year. I didn’t any have major issues at the time aside from the confusion with Zelle. Now more than often, the app freezes way to much to the point that I can’t unlock my card. The app ALWAYS has an “error occurred”. This is ridiculous!! It’s bad enough how outdated the app is…but to constantly have an error happen is just ridiculous!! While this credit union may have its perks, I’d highly recommend rethinking this being an option. No sense of keeping an account with a bank when you can’t hardly access it! ### 1/5 — Terrible App *2024-10-23, version 24.1.71* Terrible app, for resetting a password or username. It won’t let you get a code on the password via email like it does on the username. In addition to the password requirements are ridiculous. My way bigger bank I mainly bank with and many others have less requirements. In addition it doesn’t tell you why you can’t use the password you want. It just says try another although you met all the requirements. No excuse for this type of ignorance in a system that should be user friendly. ### 1/5 — Can’t log in *2024-07-31, version 24.1.71* This app has been giving me problems since I changed my new phone number. I’ve been calling and speaking with a service rep and they always tell me someone will get back with me and they never do. It’s been almost a month now ### 1/5 — Horrible *2023-12-21, version 23.1.80* App only works 3 days a month.. ### 1/5 — Always an issue with the app when u actually need it. *2023-03-30, version 22.2.201* App seems to be down at least once a month. Always having constant updates. Very outdated app compared to competitors. Been banking here for years and just always disappointed in the app. ### 1/5 — Update *2021-11-21, version 21.2.70* The update made it to where it wouldn’t let me update it, therefore I have to go to the bank to deposit any and all of my checks instead of taking pictures, VERY DISAPPOINTED. ### 1/5 — White screen every time I open the app *2021-02-25, version 20.2.50* Was working perfectly fine.. now all it shows is a white screen when I open the app. Please update it ### 1/5 — Touch ID means I Don’t *2020-11-09, version 20.1.200* I wish you would fix this problem of dropping the ability to use Touch ID. I thought having a new phone would help. But no. ### 1/5 — Issues with newest update *2018-10-28, version 18.2.70* Since the new update I am having issues with Touch ID as well as seeing all of my account info no matter which I go to. I also cannot make transfers. It says “system error”. Very frustrating. All other versions worked great. ### 1/5 — Love EFCU hate this app *2017-03-16, version 7.0.623* This is my 4th and final attempt at using this app over the past few years. You must need a phd in iPhone photography to successfully deposit a check using this app. Very glitchy and more frustrating than helpful. ## Most praised reviews (10 highest-rated) ### 5/5 — Usage *2025-07-17, version 24.2.50* It’s super easy to use, I love the system and how much it simplifies my banking experience! ### 5/5 — Custer *2025-05-02, version 24.2.50* Mobile app is HORRIBLE!!! Freezes often and you have to enter information more than once to sign into your account. This app is severely OUTDATED!!! EFCU get it together!! ### 5/5 — Love the app *2024-06-29, version 24.1.71* It is so easy and convenient to make a deposit with the app ### 5/5 — Best Financial credit union *2024-06-21, version 23.2.20* I really love my EFCU branch , they keep you alert on fraudulent transactions, and it helps me to keep my account secured!! Thanks again for all your support! ### 5/5 — Ginn *2024-01-25, version 23.1.80* I’m always pleased with the service rendered. ### 5/5 — EFCU *2023-10-02, version 23.1.71* This is an amazing credit union professional staff easy app control I love it ### 5/5 — The BEST *2023-08-24, version 23.1.70* EFCU #ForEver ### 5/5 — Great & easy to utilize. *2022-08-21, version 22.1.51* Easy & Great App. ### 5/5 — Love it! *2022-03-21, version 21.2.70* So very easy to maneuver around site. ### 5/5 — Never know if it is working *2022-02-24, version 21.2.70* This app will ask you to sign in and verify yourself over and over. It will not save settings like password, face recognition and instant balance. You are locked out of your account. Then hours later you try and it will work fine. Very frustrating. --- *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 2026-09-13.*