# Elements Mobile Banking

> Mobile banking app for account management, bill payment, and transaction tracking. (iPhone/iPad app by Elements Financial Federal Credit Union.)

- Source: https://appshunter.io/ios/app/elements-mobile-banking/id507239961 (this page in markdown: same URL + `.md`)
- Developer: [Elements Financial Federal Credit Union](https://appshunter.io/developer/507239964)
- Category: Finance, Business
- Price: Free
- Rating: 4.40/5 from 1,166 App Store ratings · 93 written reviews indexed
- Age rating: 4+
- Requires: iOS 16.0 · 55 MB
- Languages: American English, Brazilian Portuguese, Chinese (Simplified, China), Mexican Spanish, Chinese (Traditional, Taiwan)
- Released: 2012-04-06
- Data updated: 2026-08-21
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/elements-mobile-banking/id507239961/reviews.md

## What is Elements Mobile Banking?

Elements Mobile Banking makes managing your finances easy! It’s a free, convenient way to pay your bills and keep track of your transactions. Not only can you access all of your account information, Elements Mobile Banking keeps your personal data safe and secure, so you can rest easy. With this app you can:

 - Check balances and account history 24/7
 - View pending transactions
 - Pay bills 
 - Deposit paper checks 
 - Transfer funds 
 - Access branch hours and location information
 - Send and view secure messages
 - Search account history
 - And more....

## Key features

- Check balances and account history
- View pending transactions
- Pay bills
- Deposit paper checks
- Transfer funds
- Secure messaging

## What do users think of Elements Mobile Banking?

Overall sentiment: neutral

**Pros**

- 🚀 Easy to use
- 🚀 Convenient banking features
- 🚀 Reliable app performance
- 🚀 Seamless integration with website
- 🔒 Secure banking experience
- 👍 Great customer service

**Cons**

- 🐛 Frequent crashes and errors
- 🐛 Slow and unresponsive app
- 🐛 Confusing bill pay functionality
- 🐛 Inconsistent user interface
- 🔋 High battery consumption
- 👎 Poor customer service

**Commonly reported bugs**

- Login screen freezes
- Mobile check deposit issues
- Unexpected errors when opening the app
- Inability to properly edit payee information

**Most requested features**

- Improved bill pay experience
- Ability to view account interest rates
- Qualifying transactions counter for promotions
- Option to remember device and avoid repeated authentication
- Seamless integration with external accounts and cards

## Recent user reviews (10 of 93)

All indexed reviews: https://appshunter.io/ios/app/elements-mobile-banking/id507239961/reviews.md

### 4/5 — Step backwards

*2025-07-23, version 400000009.0.5910*

The latest version is really a step backwards for how I use the app. I’m all about functionality. And this version uses font that are huge, is super slow to load, and I can’t see all my account accounts at the same time or can I see the options of transactions to do at the same time. For the way I use the app, the last version was way better.

### 1/5 — App blocked and monthly payment refused unless I authorized an additional, oversized charge

*2025-05-19, version 400000009.0.5910*

On May 15, 2025 I attempted to make my regular monthly payment of $706.20 through Elements Financial’s mobile app, only to find my account blocked without explanation.
I called the collections line and spoke first with Kaylan and then Laura. After more than 25 minutes:
	1.	They refused to accept my on-time payment unless I provided my card and agreed to a second, automatic charge of $1,429.90 on June 29, 2025 (covering an extra installment, late fees, and part of the past-due balance they calculate).
	2.	They insisted my loan was 42 days late, ignoring that I have paid every month (Feb 20, Mar 19, Apr 24) — simply not on their preferred 7th of the month.
	3.	When I finally authorized the one payment, they ran the card twice until it was declined, then told me to “borrow from family or friends.”
	4.	They refused to unblock the app until I accepted their larger payment plan, leaving me no practical way to stay current.

The approach was unprofessional, inflexible, and coercive: they blocked my payment channels, tried to impose unauthorized auto-debits, and suggested I seek outside cash. In my view this is an abusive practice that puts both my credit and my vehicle at risk.

### 1/5 — Ruined interface

*2025-04-22, version 400000009.0.5910*

Newest visual update ruined the interface and made it much harder to tell at a glance what is in all my accounts.  

They instead added stupid flashing banners and a Zelle button both taking up huge amounts of space.

On top of everything the entire app now runs incredibly slow. Personally I think the developers behind the latest version of the code are sloppy and lazy and do not understand basic app visual design

### 2/5 — Add location services choices

*2024-10-06, version 400000009.0.5909*

This app needs to have all three choices available in iOS under location services. Please add the choice "While using the app" as using "Always" for a setting is an unnecessary battery drain and using "Never" requires user go into phone settings to switch to "Always" to find nearby locations. Also find a location within the app defaults to nearby and gives no flexibility to find locations elsewhere other than moving the map around. Add an address search box!

10-6-2024
Previously reported problem has definitely been fixed.  Now there is no location option for the app in iOS settings.

### 1/5 — Meh, need to include debit card control

*2024-09-16, version 400000009.0.5902*

This is a meh version of the website. Not great. Needs card control integrated. Needs to be maxed for iPhone.

### 3/5 — Overall Fine

*2024-04-23, version 400000009.0.5902*

The app works fine most of the time. I do frequently run into a problem where transactions are not calculated properly and I have no idea how much is in my account, particularly because this happens most frequently with larger transactions. The app is good for those who like everything in one place but not great for money management if you don’t know your balance.

### 2/5 — Keeps kicking me out

*2022-10-21, version 9.0.5724*

Clicking the back navigation button logs me out of the app. So always have to click on the Menu and select an option from there again. Depositing a check kicks me out as well and there is no way to tell if the check was deposited or not. Gave up after 3 attempts and now when I login it says deposit failed since it’s a duplicate deposit. Crazy!!

### 4/5 — Works well

*2022-10-17, version 9.0.5724*

Connecting external accounts is a bit cumbersome. Moving money and scheduling transfer is mostly simple

### 1/5 — Not functioning for me

*2022-09-30, version 9.0.5724*

I have a new account. App randomly logs me out and the deposit check function does not work at all.

### 1/5 — App changes

*2022-06-22, version 9.0.5719*

Bill pay options are extremely Difficult to use on a phone. Also not user friendly. Has not improved over several years of use. Bill pay options still terrible

## Frequently asked questions about Elements Mobile Banking

### What can I do with this mobile banking app?

This app allows you to manage your finances by checking balances and account history 24/7, viewing pending transactions, paying bills, and depositing paper checks. You can also transfer funds, access branch information, send secure messages, and search your account history.

### Is this app free to use?

Yes, the app is free to download and use. While the app itself is free, it does contain advertisements to support its operation.

### How does the app protect my personal data?

The app prioritizes the security of your personal data. It employs security measures to ensure that your financial information is kept safe and secure, allowing you to manage your accounts with peace of mind.

### What are the main benefits of using this app?

The primary benefits include convenient and easy financial management, the ability to pay bills and track transactions from anywhere, and secure access to your account information. It also offers features like mobile check deposit and fund transfers.

## Version history (last 5 releases)

### 400000009.0.251100 — 2025-11-18

Feature enhancements and bug fixes

### 400000009.0.250900 — 2025-10-15

Feature enhancements and bug fixes

### 400000009.0.5910 — 2024-12-03

Feature enhancements and bug fixes

### 400000009.0.5909 — 2024-09-17

Feature enhancements and bug fixes

### 400000009.0.5902 — 2024-03-07

Feature enhancements and bug fixes

## More apps by Elements Financial Federal Credit Union

- [Card Controls by Elements](https://appshunter.io/ios/app/card-controls-by-elements/id1211444131)

All apps by Elements Financial Federal Credit Union: https://appshunter.io/developer/507239964

## Related topics

[elements financial](https://appshunter.io/ios/topics/elements-financial) · [elements financial federal credit union](https://appshunter.io/ios/topics/elements-financial-federal-credit-union) · [element financial](https://appshunter.io/ios/topics/element-financial) · [eli lilly](https://appshunter.io/ios/topics/eli-lilly) · [eqlem](https://appshunter.io/ios/topics/eqlem)

---

*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 2026-08-21.*