# Elements Mobile Banking — user reviews > 93 indexed App Store user reviews of Elements Mobile Banking by Elements Financial Federal Credit Union, rated 4.40/5 from 1,166 ratings. - Source: https://appshunter.io/ios/app/elements-mobile-banking/id507239961/reviews - App overview in markdown: https://appshunter.io/ios/app/elements-mobile-banking/id507239961.md - Rating breakdown: 5★ 850 · 4★ 150 · 3★ 48 · 2★ 46 · 1★ 72 ## 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 ## Newest reviews (13 of 93) ### 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. ### 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. ### 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 ### 4/5 — Good overall, but, *2022-05-20, version 9.0.5716* App does not always allow Face ID to unlock. I have to enter the password instead of having the Face ID more often than I’d like. ### 4/5 — Would be great to show account interest rate *2022-05-06, version 9.0.5716* Also would be great to have a qualifying transactions counter to be eligible for promo interest ### 5/5 — Excellent Dude *2022-04-22, version 9.0.5716* This app is great, I can keep track with no hassle. ### 2/5 — Payments *2022-04-22, version 9.0.5716* Super confusing on the app and doesn’t work great. I set up a payment for the day before the bill was due but when I went to edit it to add additional expenses, it made me enter an amount manually. It would be nice to have a function to quickly pay the entire balance when editing a payment you scheduled earlier. ### 2/5 — Remember Device *2022-04-21, version 9.0.5716* I always have to authenticate because it never remembers my device. Very annoying ### 2/5 — 2/5 Stars - App Keeps Asking to Call Me *2022-04-18, version 9.0.5716* When I login with my username and password on the same phone I keep getting told I need to receive a phone call or email with another 6 digit code. I have not turned on any setting inside the app saying I want to verify the same phone over and over again. ### 5/5 — Elements credit union *2022-04-18, version 9.0.5716* I’ve been a member for a lot of years and have never had a problem. I’m always glad to go to them for anything I need and the people I work with are very cordial. Recently a young man helped me out of a situation I had gotten into an I really appreciated it. They just don’t let you down. ### 5/5 — Loyal Customer *2022-04-18, version 9.0.5716* One of the best apps I’ve used m. ## Most critical reviews (10 lowest-rated) ### 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 ### 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. ### 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 ### 1/5 — Worst bank I’ve ever used *2022-04-25, version 9.0.5716* The app is horrendous, customer service all tell you ways to do something that don’t work. I’ve never had this much trouble to tell a bank to take my money to pay off a loan…but they’ll collect those late fees real fast and in a hurry ### 1/5 — Error every time I open the app *2022-04-21, version 9.0.5716* Every time I open the app I get an “unexpected error” that can only be fixed by closing the app completely and restarting it. ### 1/5 — One of the worst banking apps ever *2022-04-10, version 9.0.5716* Poorly done, cheap and lack of info. I have banking apps from BoA and Chase among others and this people should learn from them. Not clear information of venue used and not very intuitive. ### 1/5 — Feels like a bad website, not an app *2022-03-28, version 9.0.5716* This “app” does not feel like it was designed to be a phone application, but just a rescaled website for a phone. Not to mention this company has some of the worst customer service I’ve ever experienced. ### 1/5 — App is easy to use *2020-10-07* The app itself is easy to use. But the bank is a terrible bank to deal with. I have to fight to get my new cards every time they expire. They tell me it will be there 2 weeks before expiration date and I normally go 2-3 weeks with out a card and I have to call 3-4 times to get my new card. They have only one office that allows the public to go in while all their other offices are for private use only. Customer service is rude and rage inducing with passive aggressive comments and actions. I’ve already moved my money out of this bank. There are way better credit unions to use for your banking needs I would avoid elements at all costs. ## Most praised reviews (10 highest-rated) ### 5/5 — Great Banking App *2022-06-07, version 9.0.5716* This app lets me pretty much do anything that my iMac web browser can do and then some. The mobile deposit feature is awesome! ### 5/5 — Satisfied *2022-06-03, version 9.0.5716* I am 56 yrs old, I have done business with a multitude of financial institutions over the years and NOT ONE has compared to the professionalism, courtesy and helpfulness of Elements. Thank you all for your efforts on my behalf, may you have blessed lives . ### 5/5 — Love Elements, People and the App *2022-06-02, version 9.0.5716* Love all of the Elements Apps ### 5/5 — Awesome app! *2022-05-29, version 9.0.5716* Elements has so many features and such that I wonder, ‘Who needs the big chains?’ Great service and neighborhood friendly representatives. ### 5/5 — Great app *2022-05-24, version 9.0.5716* Elements continues with good service, even on the app! ### 5/5 — Great app for banking *2022-05-24, version 9.0.5716* Love it has all the features ### 5/5 — Works great *2022-05-01, version 9.0.5716* Good app. Best Credit union!!! ### 5/5 — Everything I need to do is here *2022-05-01, version 9.0.5716* Great app. Fast and easy to use. I can do most of my transaction through the app. ### 5/5 — ELEMENTS review *2022-04-29, version 9.0.5716* I like Elements because I can pay bills electronically and I can electronically deposit small checks from home. Easy to search for individual checks. I like ELEMENTS. It’s much more convenient than driving to a brick-and-mortar credit union. ### 5/5 — Like *2022-04-27, version 9.0.5716* Like the convenience😀 --- *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.*