# Gain Federal Credit Union — user reviews > 30 indexed App Store user reviews of Gain Federal Credit Union by Gain Federal Credit Union, rated 1.50/5 from 58 ratings. - Source: https://appshunter.io/ios/app/gain-federal-credit-union/id6744069939/reviews - App overview in markdown: https://appshunter.io/ios/app/gain-federal-credit-union/id6744069939.md - Rating breakdown: 5★ 6 · 4★ 0 · 3★ 1 · 2★ 2 · 1★ 49 ## What do users think of Gain Federal Credit Union? Overall sentiment: negative **Pros** - ⭐ New app is great - 💻 Becoming easier to use with familiarity **Cons** - 🚨 Epic fail, app is horrendous - 🔒 Locking users out of accounts - 🛑 Downgrade from previous app - 🤯 Abject failure, primary functions missing - 🤬 Accounts held hostage, features removed - 🤷‍♀️ Inconvenient sign-up process **Commonly reported bugs** - App barely functioning, unable to login - No account ledger or transaction details **Most requested features** - Bring back instant member-to-member transfers - Restore travel card controls in app - Show pending transactions and incoming money - Integrate Zelle option ## Newest reviews (16 of 30) ### 1/5 — Horrible! Better banking what? *2025-10-02* Wow what a horrible “upgrade” you don’t see pending transactions until hours later, deposits take longer to be available. My card gets stuck locked multiple times & now it’s telling me it can’t show me any history for the last month shows i have N/A money available after getting paid today. What a joke not an upgrade at all ### 1/5 — GAIN is for LOSERS *2025-10-01, version 7.93.0.15764* Absolutely embarrassing. Derp derp… at least I’m not confused between my checking and savings accounts anymore as they are renamed: “money I can spend” and “money I am saving”. Re-f’ing-tarded. Lowest common denominator doesn’t even cover the “functionality” of said app. This is corporate suicide folks. Used the “bill pay” days ago as I have for years on old app only to receive late notices today. I would suggest you get your funds out now… and you’ll frankly have to take cash after a several day advance request as clearly transfers can no longer be confirmed or trusted, nor can the security of such a hack app. My preteen child can code a more secure and useable app than this… not an exaggeration. YOUR FINANCIAL LIVELIHOOD IS AT RISK folks. Act accordingly. I have been a member for nearly 50 years, but “Gain” (the irony!) has decided to “let it rot” as they say in the east. You’ve been warned, but go ahead and download the app if you need the proof… don’t be left holding the bag, this is utter incompetence at the highest levels within Gain and if you surmise this will improve or even correct anytime soon, then bless your heart. Summary: get your money out now before it costs you dearly. ### 1/5 — Advanced banking what a Joke *2025-09-30* The last updated app was a way smoother process than this mess. Like many have said can’t see pending transactions that are coming in and when transferring money member to member why does it take a while for it to hit the account before this new app the money would hit the account immediately. Zelle still not available is crazy. ### 1/5 — Long Time User *2025-09-30, version 7.93.0.15764* WORST APP EVER. WHAT A HORRIBLE WAY TO REPRESENT SUCH A GREAT FINANCIAL INSTITUTION. - “Transfer” cut off time????????? 4:00pm???????? What happened Gain???? ### 1/5 — Why???? *2025-09-30* Not sure what the point of the new app was. I can’t even access my bill pay. I have accounts and the account I use for most transactions was not set for bill pay on the new app, even though it’s the only account I use for my bill pay. Then, when I tried to activate bill pay with the correct account, it said pending! I haven’t even tried again because I’m so frustrated. Tried using the virtual chat for help, but it was down and told me to check back later. I’m ready to close my accounts and move on at this point. ### 1/5 — Worst banking ever *2025-09-22, version 7.82.0.14890* Ever since Burbank FCU became gain-- we got nothing but loss. This update was the most heinous failure I've ever seen. I'm taking my money out and going elsewhere. They took away all the things we used to have and gave us broken garbage. Avoid gain like the ACTUAL PLAGUE!!! ### 1/5 — Epic Fail *2025-09-19* I'm assuming someone got fired over this epic fail haha my next transfer is missing glad I checked, app is horrendous, resetting accounts was unnecessary. I'm so happy I use Chase as my primary bank and don't rely on this mess for important things. At least we got an apology letter so that makes everything better right hahaha ### 1/5 — Garbage *2025-09-18* It's really sad that a credit union that used to be so good and so helpful to its members has wasted away into such garbage. I couldn't activate my card which is the main thing I wanted to get done. It locked me out of the app and when I tried to get help I sat on hold until I gave up ### 1/5 — Downgrade *2025-09-17* I really enjoyed the layout and interface of the original app it was user friendly and easy to monitor. The new app does not translate same. It’s not accommodating to the user and lacks the work of ease of monitoring multiple accounts/cards. Does not show pending charges, and does not show credit card pay off options anymore. I enjoy banking with gain but I feel this app has a long way for it feel like an upgrade from its predecessor, so until then it is a major downgrade and major disappointment. ### 1/5 — Abject Failure *2025-09-16* If you are trying to use this app and are experiencing issues logging in, just go into a branch. Don’t bother calling. The app itself fails to show an account ledger at all. Want to know when a transaction occurred? Too bad. Want to know what transactions occurred? Also too bad. I’m not sure how you could possibly overlook this as these are primary functions of mobile banking for 95% of daily user activities. You’ve created a restaurant that does not offer food. Gain is a credit union. Members hold ownership stake. Your vendor is recklessly irresponsible and has conned you out of our collective money. The degree of failure here calls into question your ability to provide the management of member funds as well as your ability to utilize proper security practices to protect those funds and sensitive member data. That said, the employees who are dealing with the fallout of this situation are generally doing a great job. ### 1/5 — I saw the email and thought “how bad can it be” *2025-09-16* It’s bad. The app is barely functioning, and they manage to mess up everyone’s account so you can’t even login any more. What a disaster. Somewhere some bank exec thought this was a good idea and now the staff has to deal with the fallout. Shameful. ### 1/5 — Abysmal banking! *2025-09-15* First you hold our accounts hostage for an entire weekend and then when the app comes back up, you have not only taken away several features that we relied on, but your app is not working. We call and get busy signals-- this is the worst bank I've ever had. It's been a week of your copy-paste responses and nobody is fixing this app! We need instant member to member transfer and the travel card controls BACK IN THE APP! ### 1/5 — Why does it ask to sign up again and enter both SSN and member number? *2025-09-13* It's extremely inconvenient that members need to sign up again. Why aren't they able to transfer the data or the system or the new "advanced" app? Also, how many of us write down member number? I was asked to enter both Social Security Number and member number. I do not remember nor wrote it down somewhere. I expect the website or the mobile app to show me the member number. In the past, when I spoke with the bank call agent, they asked me to provide my SSN over the phone directly to the agent, which made me feel extremely uncomfortable with because one, it's directly to a person, two, the system could record it for security and training purposes. The paper statements show the last three number of member numbers. I understand the system verifies by SSN and member account number. Can't you guyes just verify it based on SSN in your record? How can you say this "advanced" app is improving member experience? I even couldn't enter the app. It's terrible. ### 1/5 — Terrible *2025-09-12, version 7.82.0.14890* Bring back the old app, that layout was far superior ### 1/5 — BIG FAIL *2025-09-10* first off, shutting down our access to all of our accounts over a weekend was not a great idea. Upon Monday, arriving when we were supposed to be able to have new access, everything went absolutely to a disaster. It took us three days to get the app working and it took us several hours to register for the account. Upon getting into the app, we have learned that the instant member to member transfers are gone, and those will not be coming back. We also found out that the travel card controls are now gone from the app and will not be returning. Both of these features were in the old system and this is a dealbreaker. It's time to find a new financial institution because this one has blown it. ### 1/5 — Simple is better *2025-09-10* Old app was much better. You can see your pending transactions and if you have pending money coming in. On this new update it doesn’t show you on the app. Bring that back. Also where is the Zelle option? Advanced banking and can’t use Zelle still? ## Most critical reviews (10 lowest-rated) ### 1/5 — Poorly designed app *2026-08-13* This app is honestly the worst app I have seen on app store. I even mentioned the issue to the branch and they clearly don’t care. It shows you have a 0 balance and then you get a letter showing you owe 1 cent lol. Its a joke and sad they even designed this app. It cant get any worse ### 1/5 — change it back plz! *2026-04-23, version 7.105.0.17276* i love gain, have been with them for years and the people that work there are so awesome but the newer app layout has still been difficult to navigate. the old one was perfect! ### 1/5 — So Bad *2026-02-10, version 7.100.1.16541* This app is unusable. Cannot access statements or easily navigate any functions. I am hopeful they will return to the old app. ### 1/5 — Unfavorable *2026-01-20* Gets stuck on loading screen when trying to make a transfer from my Gain account, to an outside account of mine. And yes, like other reviews stated, I cannot see any pending transactions… Terrible new app. I miss the old app so much, mang. :( ### 1/5 — Needlessly complicated *2025-12-19* The UI has become increasingly difficult to navigate and many features that I used have been moved around for seemingly no reason. I can’t even see the account names of the people who send me money. I am heavily considering closing my account with Gain completely just so I don’t have to deal with this! ### 1/5 — Not user friendly *2025-10-28* This was a horrible upgrade and the app is not user friendly. I can’t use the facial ID and even when I reset it goes back to original setting every time I log off. I can’t see pending transactions and using mobile deposit very difficult. ### 1/5 — Still garbage *2025-10-19, version 7.93.0.15764* Over a month later and this app and the service is still utter garbage. Bring back INSTANT TRANSFERS!!! $400 of ours is in limbo because we can't send it to each other without it disappearing. I'm shocked this FCU is still in business-- this has been the worst financial experience of my life and I no longer have trust in Gain ### 1/5 — if it ain’t broke, don’t fix it! *2025-10-13* Why did we need to go through the horrendous process of transferring to the new app when it is a hot pile of garbage. The old app was perfect, user friendly, easy on the eyes, navigation was simple, transactions showed, deposits and transfers instantly. The new app is literally none of those. Very difficult to navigate, pending transactions don’t get deducted? I’ve had 3 transactions of substantial amounts shown as ‘pending’ for 3 days now, totally not deducted from my account balance. Honestly bring back the old app, this is terrible. ### 1/5 — Long time customer *2025-10-02* I’ve been a member since 1985. Never had an issue with Burbank Credit Union, but I’m now looking into transferring my accounts. Yes, solely due to this new app. It is 100% unusable. ### 1/5 — HORRIBLE! *2025-10-02* This app update looks outdated. I’m not sure what the point of this revamp was. It’s confusing to use and I’m not sure what my accounts are or how to pay my credit card. Please change this! ## Most praised reviews (4 highest-rated) ### 5/5 — New GAIN App *2025-09-16* The new app is great. The more familiar I get with it, the easier it becomes! ### 3/5 — No mobile deposit *2026-03-13* The mobile deposit button to take a picture of your check isn’t working ### 2/5 — Cannot deposit checks *2025-10-16* Tapping the button to take a photo of a check for deposit does nothing. In iPhone settings the app does not even have a toggle to grant permission to use the camera. I’m an app developer and this is just ridiculous. ### 2/5 — Not User Friendly *2025-10-01* This new app is not user friendly at all. I can’t see pending transactions anymore. My mind gets stressed looking at the homepage. The older app was simple and easy to use. --- *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 2026-08-29.*