# FCU Mobile Banking — user reviews > 147 indexed App Store user reviews of FCU Mobile Banking by Florida Credit Union, rated 4.90/5 from 29,501 ratings. - Source: https://appshunter.io/ios/app/fcu-mobile-banking/id597659090/reviews - App overview in markdown: https://appshunter.io/ios/app/fcu-mobile-banking/id597659090.md - Rating breakdown: 5★ 26,598 · 4★ 2,189 · 3★ 475 · 2★ 72 · 1★ 167 ## What do users think of FCU Mobile Banking? Overall sentiment: neutral **Pros** - 👍 Easy to use app - 🚀 Convenient mobile banking - 💡 All-encompassing features - 👍 Friendly and helpful staff - 🚀 Smooth and efficient banking - 👍 Great customer service **Cons** - 🐛 Frequent app crashes and login issues - 🐛 Unreliable app performance - 🐛 Accounts disappearing or being inaccessible - 🐛 Constant need to update app or reset password - 🐛 Poor customer support during outages **Commonly reported bugs** - App crashing during use - Inability to log in or access accounts - Disappearing account balances - Delayed or failed transactions - Compatibility issues with newer iOS versions **Most requested features** - Improved bill pay functionality - Ability to lock/unlock debit cards - Notification system for account activity - Increase mobile deposit limits - Compatibility with older devices ## Newest reviews (18 of 147) ### 5/5 — Great bank *2026-03-12, version 4020.1.1* Love the quick and handy app also. ### 5/5 — Love this bank in FL *2026-03-09, version 4020.0.0* New to Federal Credit Union but I do love it so far as it has better features than your traditional banks. Very happy with them and encourage others to bank with them as well. ### 5/5 — Live Chat *2026-02-14, version 4020.0.0* Very Convenient ### 5/5 — Opportunity *2026-02-04, version 4019.1.0* Thank you for believing in me and taking a risk loaning me financial help in a time of need. You will be paid in full 🙏🥰🙏✊❤️ ### 5/5 — Mobile banking *2026-02-01, version 4019.1.0* Great mobile service ### 4/5 — No Zelle in app. *2026-01-20, version 4019.0.3* I was going to switch to Florida, Credit Union, but they don’t have Zelle in their app so I’m keeping my U.S. Bank even though there’s no branch here, but I will keep both of them and hope that FCU will get it. It just makes things so much easier.  ### 5/5 — New Account! *2025-12-30, version 4019.0.3* Easy, simple online banking! Thank you.! ### 5/5 — Review *2025-12-29, version 4019.0.3* This new app is 100 percent more user friendly thanks for the changes keep up the great work. I love banking at FCU they offer so many different accounts needed by retired people .also they are so friendly and professional in every way every day. Thank you for being there for me . Barbara Moran Ocala, Fl ### 5/5 — P *2025-12-21, version 4019.0.3* So convenient. I love it and ### 5/5 — FCU *2025-12-21, version 4019.0.3* I have been with Florida Credit Union for over 10 years and I love this bank. I would not change financial institutions for the world. The customer service is awesome, the call center is always willing to help and their attitude is positive. I love FCU ### 5/5 — Amazing *2025-12-19, version 4019.0.3* I have been with Florida Credit Union for 13 years. There are always there for me and thank you, FCU! ### 5/5 — Love FCU and Florida *2025-11-29, version 4018.1.1* I live in Maryland but own property in Florida. FCU always gets me excited about heading back down with my RV. I stay fully funded during my visits, so I’m able to enjoy Florida throughout my entire stay. ### 5/5 — FCU *2025-11-08, version 4018.1.1* I’ve had this account since I was 17. They have always been great. ### 5/5 — Convenient *2025-10-23, version 4018.1.1* When fraudulent charges appear on my credit I can get a new one immediately instead of waiting for a week or more. They contact me when charges don’t match my normal purchases. ### 5/5 — Always something *2025-10-19, version 4018.1.1* Can’t unlock my card can’t do nothing and your agents aren’t helpful! They told me I have to wait until Monday to use my own card Lmdao Officially taking all my money out and closing this account Monday 😘 everyone else should do the same . ### 3/5 — Really needs Zelle *2025-10-16, version 4018.1.1* How long it takes to transfer from another bank is way too long. Every other account I have has Zelle. I like most everything else about FCU but they need to speed up their speeds on external account transfers. It’s not good. ### 5/5 — Customer service representative *2025-10-10, version 4018.1.1* The customer service representatives at the Florida Credit Union are very patient understanding and professional. Anytime I had a concern regarding my account, they were always attentive. I so much agree with the above comments. ### 5/5 — Convenient! *2025-10-10, version 4018.1.1* Love FCU mobile banking! Super convenient and reliable. Allows me to easily manage my accounts quickly anytime and anywhere. We’ve been with FCU for over 30 years. They have always been good to us! ## Most critical reviews (10 lowest-rated) ### 1/5 — App sucks *2026-05-15, version 4021.0.2* App sucks ### 1/5 — Card *2026-02-18, version 4020.0.0* They won’t let me unlock my mf card I js want a spicy mcchicken ### 1/5 — Locations *2025-10-08, version 4018.1.1* I can’t find any actual brick and motor banks ### 1/5 — shameful *2024-10-10, version 4014.1.3* i just cant say anything good here. the app asked for a review so here it is. i had a store deposite my check to a wrong account and then treated me like a criminal when i tried to rectify the situation separate from above, the staff is rude and ignorant. and its just slightly better than some of banks here. im appalled with my experience but i guess its better than wells fargo or boa. please do better FCU ### 1/5 — Can't sigh in or sign up *2024-09-16, version 4014.1.3* I just got my card from Buchholz High School, and they didn't give me my account number or ask what I want set for my password, I'm try to ask them for the FCU Staff in buchholz high but they just don't car aboute ### 1/5 — Worst bank I ever had *2024-07-20* The app constantly logs me out my account . And just now it deleted my checking and saving account . Do not recommend this bank to anyone. This is the most stupidest app I ever had , and please don’t try to call they’ll put u on hold for hours just to tell u to “update the app” like that’s now the first thing I thought of when I got logged out my account honestly just switch banks they don’t gaf about you at all. Half the people that work at FCU don’t even bank there but want your clientele honestly F this app .-1000 star rating ### 1/5 — Information about Clients *2024-05-16, version 4012.2.0* Difficult to use, can't see complete information For example, I can't find the advance payment. make repeated payments ### 1/5 — Many errors and issues *2023-07-23, version 4008.2.0* As of 7/23/2023 I am on the current version of the app and have had numerous problems with the app these past few months. It keeps undoing my alert/notification settings. It says it saves them when I turn them on but when I go back into the settings they are all turned off. ### 1/5 — Useless App *2022-09-28, version 4002.0.0* This app is in line with FCU performance. It never works, always crashes, no one answers the number when you’re asked to call because log in doesn’t work. They can’t even get the basics right. There is a hurricane touching down and people cannot even use their bank card or access accounts. Get your stuff together of you’re going to be out of business soon. ### 1/5 — This bank is low tier garbage for Florida People. *2022-09-28* This bank is god awful. The app is god awful. Constant bugs. Constantly down. Constantly under “maintenance” which doesn’t provide any quality of life like BOA or Wells Fargo. That’s the main issue I have. Their quality of life is that of a Dollar General T-Shirt. All the way around, from the app, to the RL locations, to the ATM’s. They’re constantly down, they’re not operationally the best, eating my money. Annoying unexpected errors/glitches. I’m in the middle of a hurricane for example and can’t login due to another weekly error on this god forsaken app. This bank as a whole doesn't invest in true quality for Floridians. They treat us and their brand like backstreet dumpster babies. Look at Bank Of America or Wells Fargo for excellent quality of life for your banking life. These guys a literal trash bag and continuously miss the mark for years. ## Most praised reviews (10 highest-rated) ### 5/5 — A happy customer *2026-08-26, version 4022.1.1* FCU never disappoints anytime I need help either my account they are always available and quick I never have to wait long, I wouldn’t trade banks if I was paid too!!! ### 5/5 — Not your ordinary credit union *2026-08-24, version 4022.1.1* My first contact with this credit union was very impressive as I went to assist a friend. I loved the way I noticed that they treated their member as well as myself. So I made it my experience to become a member as well. And I’m trying to convey that my experience is only continued with confidence that the services that are extended to as well as knowledgeable helping to guide me on the road to my financial successes. ### 5/5 — Grateful *2026-08-11, version 4022.0.0* Just genuinely grateful for FCU. Because of Florida Credit Union it allowed me to help my kids in more ways than I could have even imagined. FCU helped me with my bills when business was slow and has given me the freedom to travel when needed for my kids. I’m really happy to be apart of FCU 🥹🙏 ### 5/5 — Great Union *2026-08-01, version 4022.0.0* Charlene has been exceptional on the process of a loan. Great staff great union very content ### 5/5 — FCU Reasons To Love !! *2026-07-30, version 4022.0.0* Prompt, Professional, Cheerful Performance of Duties !! ### 5/5 — Always there *2026-07-28, version 4022.0.0* Over 10 plus years & still awesome ppl ### 5/5 — Banking *2026-07-02, version 4021.2.0* On time and ther customer service is great ### 5/5 — Totally *2026-05-22, version 4021.0.2* Great ### 5/5 — FCU *2026-05-15, version 4021.0.2* Best Credit Union! Glad I switched! ### 5/5 — Great People *2026-05-11, version 4021.0.2* So far everything has been wonderful 👍 --- *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 2026-09-03.*