# Heartland Bank Mobile Banking — user reviews > 94 indexed App Store user reviews of Heartland Bank Mobile Banking by Heartland Bank and Trust Company, rated 4.80/5 from 6,492 ratings. - Source: https://appshunter.io/ios/app/heartland-bank-mobile-banking/id492582362/reviews - App overview in markdown: https://appshunter.io/ios/app/heartland-bank-mobile-banking/id492582362.md - Rating breakdown: 5★ 5,509 · 4★ 768 · 3★ 132 · 2★ 26 · 1★ 57 ## What do users think of Heartland Bank Mobile Banking? Overall sentiment: negative **Pros** - 👍 User-friendly app - 🚀 Convenient mobile banking features - 🔒 Secure banking experience - 💡 Helpful budgeting tools - 👍 Simple and easy to navigate **Cons** - 🐛 Frequent crashes and glitches - 🐛 Login and authentication issues - 🐛 Mobile deposit not functioning - 🐛 Unreliable push notifications - 🐛 Outdated and buggy app **Commonly reported bugs** - Mobile deposit not working - Zelle feature missing - Inconsistent login and authentication process - Push notifications not working as expected - Frequent app crashes and freezes **Most requested features** - Add Zelle integration - Implement real-time debit card usage notifications - Improve check number visibility in transactions - Introduce dark mode option - Enhance app performance and stability ## Newest reviews (11 of 94) ### 2/5 — Zelle does not work *2025-12-17, version 4019.0.3* Heartland just responds to all the comments about Zelle not working with a link to instructions that tell you to select options that just AREN’T THERE. That’s why people are saying it’s not working! Re-reading the instructions about nonexistent options does not help, and when am I supposed to call between 8 and 5 when that’s when I’m at work all day? The mobile deposit, as others have stated, has been horribly glitchy as well. It’s 2025 and I need to be able to use an app to bank. I am seriously considering switching banks because of these continued issues. ### 2/5 — Mobile deposit doesn’t work anymore *2025-11-04, version 4018.1.1* This app used to be great. Still allows you to check your balances and transactions but mobile deposit was the only thing I used it for so now it’s useless to me. ### 3/5 — Where is Zelle? *2025-07-25, version 4018.0.0* Since Zelle is becoming accessible exclusively through bank apps, I was relieved to see that HBT was added to the list. Unfortunately, Zelle is nowhere to be found in the HBT app. On its website, HBT has steps to find Zelle by going to the transfers tab. I have scoured the app and Zelle is nowhere to be found. My app is updated and everything. Lost a star for it being impossible and not intuitive to find, and another one for it being missing altogether. ### 2/5 — App and whole backend need help *2025-03-13, version 4016.0.1* The could use a much needed refresh to the UI. The login process and pw reset process are a security nightmare. I’m at a point where I am going to close my account and go where the standards for a financial institution are current. ### 2/5 — Disappointing *2024-05-13, version 4013.0.0* Update 5/13/24- The recent update is glitchy and inconsistent. When I can get into it, it frequently won’t let me past the overview/snapshot page. I use Face ID and even after it confirms it is me, I cannot get in to my individual accounts to check the activity. Sometimes it does, but more often it doesn’t work. The live chat couldn’t see an issue and suggested I reboot. I literally had rebooted the moment before I went into the app. Update 1/31/22 App no longer works on Apple devices upgraded to iOS 15.3. HBT hasn’t updated this app in over 2 years. That’s pretty wretched when you consider most people use electronic banking to do just about everything-check balances, pay bills, transfer money, etc. I’m not sure how HBT plans to support their community without this. Very disappointing. Original post: Great if you only want to check balances. Since the most recent update the app crashes and closes if you attempt any transactions. So frustrating!! Not worth using until it is fixed. Other bank's apps do so much more without any hassles. ### 4/5 — Wish List *2024-03-21, version 4012.2.0* I would love to have real time debit card usage notifications sent to my phone every time my debit card is being used. It is a way of knowing if your card has been captured and someone is attempting to use it. I get real time notifications when I use my Apple Pay, it would be great to have it with my physical card. ### 3/5 — Online activity *2023-09-24, version 4009.2.0* When a check is cashed I should be able to see the check number in the memo note for reconciling my check book purposes it would make things a lot easier instead of trying to load an additional screen to see the transaction details. I’ve used many banks in the past and I like this one because of the low fees and interest checking however I don’t like the online/mobile banking setup ### 3/5 — Heartland bank *2023-08-08, version 4009.0.0* Its amazing but if you don’t sign in often you gotta reset password ### 4/5 — Very Friendly Customer Service Reps *2023-08-04, version 4009.0.0* We have been with Heartland when they opened . Love the personality and welcoming atmosphere that we receive every time we visit the bank . Sincerely : Mr G ### 4/5 — ALERTS!!!! *2023-06-28, version 4007.2.1* ALERTS! ### 4/5 — Recommendations *2023-05-03, version 4007.2.0* The design is great and easy to navigate. Would suggest looking into adjusting the notification system as they only seem to appear / send upon opening the application itself. ## Most critical reviews (10 lowest-rated) ### 1/5 — App Frequently Does Not Work *2026-06-22, version 4021.1.3* I have noticed the app very frequently does not work. Sometimes it is very slow. Other times it’s “scheduled maintenance” that just suddenly happens, and you can’t log in or transfer money which has left me stranded multiple times without money in my checking. I do like the app layout but the functionality of the app is very poor. ### 1/5 — can’t login ever *2026-03-29, version 4020.2.0* app is so buns I have to make a new password everytime I open because it makes me? ### 1/5 — Mobile check deposit still does not work *2026-03-20, version 4020.1.1* 3/20/26 - had 10 checks to deposit today. EVERY ONE was stamped with my endorsement. First 7 went thru fine. Last 3, “no endorsement found.” It is the EXACT same as the other checks that worked, so this is obviously not me. Whoever is giving this app 5 stars is not using the check deposit functionality, because this is horrible. I’ve reached the point where am giving up and just go to the branch. 6/3/25 - this is really frustrating. I have a Heartland Bank expense check and mobile deposit won’t even accept that check. Again, “there is an issue with your deposit.” What is the issue? Would like to fix it, but not knowing the issue, makes that tough. Please actually have someone try to use this functionality so you can see had bad it is. 5/12/25 + Mobile check deposit still too glitchy. Error message “there is an issue, try again.” Tell me what the issue is so I can correct it, guess I’m going to the branch tomorrow. Posted a review some time ago concerning lack of functionality of remote deposit. Tried today (4/14/22) hoping there would be some improvement. After 5 tries I gave up. Each attempt I received the message “no endorsement found.” Not sure what I can do. The check was endorsed using a stamp as follows: “FOR HBT MOBILE DEPOSIT ONLY. Heartland Bank and Trust. Account #xxxxxx. The entire endorsement was all in caps. If your system can’t find an endorsement from that you may as well take the functionality out of the app. Now I have a check to deposit at the branch (wasting your teller’s time on something I should be able to do at home) that is endorsed for mobile deposit only. Hope I can deposit it. ### 1/5 — No More Zelle *2025-09-11, version 4018.0.0* I scoured the app for any information about signing up for Zelle and I can’t find anything. ### 1/5 — Mobile check deposit still does not work *2025-06-03, version 4017.1.1* 6/3/25 - this is really frustrating. I have a Heartland Bank expense check and mobile deposit won’t even accept that check. Again, “there is an issue with your deposit.” What is the issue? Would like to fix it, but not knowing the issue, makes that tough. Please actually have someone try to use this functionality so you can see had bad it is. 5/12/25 + Mobile check deposit still too glitchy. Error message “there is an issue, try again.” Tell me what the issue is so I can correct it, guess I’m going to the branch tomorrow. Posted a review some time ago concerning lack of functionality of remote deposit. Tried today (4/14/22) hoping there would be some improvement. After 5 tries I gave up. Each attempt I received the message “no endorsement found.” Not sure what I can do. The check was endorsed using a stamp as follows: “FOR HBT MOBILE DEPOSIT ONLY. Heartland Bank and Trust. Account #xxxxxx. The entire endorsement was all in caps. If your system can’t find an endorsement from that you may as well take the functionality out of the app. Now I have a check to deposit at the branch (wasting your teller’s time on something I should be able to do at home) that is endorsed for mobile deposit only. Hope I can deposit it. ### 1/5 — Terrible App *2023-10-19, version 4010.2.1* The app is terrible lately constantly getting an error message while trying to login and now it’s completely down and I cannot accès it! ### 1/5 — Worst App *2023-10-11, version 4010.1.0* This app constantly logged me out when I shouldn’t have to be logged out. I use all kinds of other bank and financial apps that do not log me out as consistently as this does I’m told it for Security, but why do other apps never have this issue. No landscape mode just portrait mode. Really nice when you have an iPad that you’re trying to use it on !! Its garbage all the way from the front to the back. ! ### 1/5 — No landscape availability just portrait 180 degrees. *2023-08-17, version 4009.1.1* After struggling to get the landscape capability for three weeks, I have now found out there’s a programmer deleted that version, and No landscape version is available. ### 1/5 — Transfer is not possible *2023-05-03, version 4007.2.0* Trying very hard to transfer money . Customer service not existent. Truly poor app. ### 1/5 — This new app is garbage! *2023-02-01, version 4005.5.2* The security, and or login procedures are a joke! Sometimes it scans my biometrics, sometimes the app just opens up, sometimes it asks me for my password! I do 100% of my banking on my phone and this app makes me want to switch banks. ## Most praised reviews (10 highest-rated) ### 5/5 — Iyhartman *2023-09-11, version 4009.1.1* Great ### 5/5 — Opening up my account *2023-09-08, version 4009.1.1* Linda Kidder is the best! She is so awesome and broke down everything I needed to know as simple as possible. Everything was everything and went smoothly as possible! I.B_Brii ### 5/5 — Easy *2023-07-08, version 4007.2.1* I love this feature because my bank is not near me and I can do anything at a distance. It is also very easy. ### 5/5 — Heartland Bank & Trust *2023-06-20, version 4007.2.1* Phenomenal small to medium size Bank with excellent knowledgeable customer service, friendly staff, equipment that doesn’t breakdown or have interruptions, cash machines that stay full, free checking with no min balances and competitive rates ! Compared to big box Banks…Heartland Bank is far better ! ### 5/5 — Awesome customer service!! *2023-06-14, version 4007.2.1* This institution has grade A customer service. The agents are very knowledgeable and friendly. They call you back if they say they will and they treat your issues and concerns with care. This is a rarity in today’s business world. Thank you Heartland Bank staff. ### 5/5 — Great app *2023-06-13, version 4007.2.1* Great to have all my banking info at my fingertips. Can check it anytime day or night. ### 5/5 — Credit Card *2023-05-28, version 4007.2.1* Credit card functionality is greatly improved! ### 5/5 — Feeling safe *2023-05-23* I use to worry about how safe my account was. Because I have had Identity Theft happen to me when I was at another bank. Now I feel safe at Heartland Bank. Thank you Constance Meeker. ### 5/5 — Ehh..they are ok. *2023-05-11, version 4007.2.1* No complaints I give them a Nod. ### 5/5 — Mobile bank *2023-04-28, version 4007.2.0* Love it --- *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 2026-08-26.*