# IB ONE Wallet — user reviews > 116 indexed App Store user reviews of IB ONE Wallet by Independent Bank Michigan, rated 4.60/5 from 9,720 ratings. - Source: https://appshunter.io/ios/app/ib-one-wallet/id491134755/reviews - App overview in markdown: https://appshunter.io/ios/app/ib-one-wallet/id491134755.md - Rating breakdown: 5★ 8,078 · 4★ 823 · 3★ 264 · 2★ 132 · 1★ 423 ## What do users think of IB ONE Wallet? Overall sentiment: negative **Pros** - 👍 Easy to use - 🚀 Convenient features - 🔒 Secure banking - 💡 Helpful budgeting tools **Cons** - 🐛 Frequent crashes - ⏱️ Slow performance - 🔍 Difficult navigation - 🔒 Login issues - 💰 Unreliable transaction tracking **Commonly reported bugs** - Incompatible with iPad - Zelle feature not working - Accounts not syncing properly - Frequent session timeouts **Most requested features** - Bills calendar for budgeting - Apple Watch app - Improved transaction history - Faster in-app payments ## Newest reviews (10 of 116) ### 2/5 — Difficult to use *2026-03-26* I’ve had an extremely difficult time submitting my payments. I have had a number of them referenced us sitting in un distributed, but I couldn’t figure out how much and then payments I tried to make were refunded back to me and then I was charged a late fee. I’ve also sent more than $4500 in payments, but yet my principal has only gone down less than $1000. I called and learned about the inability to do biweekly payments until your full monthly payment was made. So I corrected that on the phone with the lady and for some reason instead of my payment going to principal, it just paid a month in advance. I am frankly fed up with this. At this point I have no idea what money I’ve sent, what money has been refunded, and what is in undistributed. **Developer response:** Hi Jessica, thank you for your review. We are so sorry to hear about your experience using ONE Wallet, and would love to help. Please contact our Customer Connection Hub at 800.355.0641 so we can assist. Our Loan Servicing department can be reached at 800.355.0641 opt. 4, opt, 5. ### 2/5 — Times out too quick *2026-02-27, version 24.1.3* Very frustrating with how quick this app is to time out. At times it takes 3-4 tries to deposit a check. My employer is stuck in the 1900’s and does not offer direct deposit. Branch hours are all but nonexistent for me around my hours of work so I am forced to mobile deposit my paycheck every week. ### 3/5 — Nonstop “Error” *2025-11-24, version 24.1.3* It keeps saying “error” randomly, a lot. I then have to go check at an atm to see if my balance is correct. Very frustrating and inconvenient. ### 4/5 — Thank you for listening! *2025-10-29, version 24.1.3* Updating my review. This app has gone through some rough iterations, but I’m pleased to see the most recent updates have vastly improved the experience. It’s considerably less laggy and much easier to read. Thank you for listening to your customers ### 5/5 — Decent App *2025-05-08, version 24.1.0* Usually functions well. Does what I need it to do. ### 5/5 — Easy! *2025-01-31, version 24.1.0* This app is very user-friendly and presents information in an easy manner to understand. ### 5/5 — Your session has expired. Please login again *2024-11-26, version 24.1.0* The app keeps telling me the session has expired immediately after signing in. I have to sign in over and over. Very frustrating. UPDATE: This problem has been resolved. The app is now working as expected. ### 5/5 — Excellent Banking App *2024-11-12* I have had several accounts in three different states in the past few years. The banking apps have been good in some and not so good for others. This one is my favorite. It is fairly intuitive and easily managed. Some of the newer features are very helpful with seeing how you tend to use money. Helps with seeing all my accounts from all my financial institutions, even credit cards, in one place. It has all the features you need for setting up payments, transfers, even mobile deposits. You can put in travel notices on you debit card so you don’t get questioned when you use your card out of state. You can even turn your card off and on when you want to. With all the hackers and fraudsters out there today, it’s great to be able to track your account in real time, any time! **Developer response:** Hello! Thank you so much for taking the time to share your positive experience using the ONE Wallet App. We are always looking for ways to improve our users experiences. Feel free to reach us at 800.355.0641 if you ever need assistance. ### 5/5 — Long time customer *2024-10-14, version 23.1.0* Been there when I need them. Happy with online service. ### 5/5 — Review *2024-09-09, version 23.1.0* Sparta bank is always patient, kind and helps in anyway they can ## Most critical reviews (10 lowest-rated) ### 1/5 — Auburn office *2026-07-20, version 25.2.0* Treated like a number and not like a person. ### 1/5 — Transfer *2026-04-29, version 25.2.0* I wanted to transfer within my account- checking to money market. Having to agree to a lengthy agreement and then verify with a phone texted confirmation number is a nightmare . I have submitted 5 nicknames and it still hasn’t been done ### 1/5 — You no longer support iPads *2025-09-27, version 24.1.2* I can’t see what I’m typing!!! This is awful. Some people don’t want to have their banking app on a device that they could lose. I want it on my iPad and I want it to work! If there are typos, it is because I can only see a white space. The font color is white on a white background. Pretty stupid! ### 1/5 — Can’t get to my money! *2025-02-24, version 24.1.0* You keep shutting me out of my account. I’ve changed my password and then I got shut out again. I don’t like it. ### 1/5 — Independent bank app review *2025-02-17, version 24.1.0* The idea of the application is great but the layout if horrendous ### 1/5 — Closed Account *2025-01-02, version 24.1.0* This app was so bad I closed my account with this bank ### 1/5 — Please hire a UX professional *2024-10-29, version 24.1.0* For the love of god hire someone that understands user experience. Who in their right mind decided “Hey, let’s take our incredibly bug laden, laggy app, and make it HARDER to read!” If I wasn’t locked into a mortgage with this bank, I’d be out in a heartbeat. It’s 2024. There is no excuse not to have an easy to read app that functions well. Get it together ### 1/5 — Horrible! *2024-08-10, version 23.1.0* The app always crashes. The technology at this bank is embarrassing! ### 1/5 — Doesn’t work! *2024-08-10, version 23.1.0* The app doesn’t work and constantly crashes. Independent bank needs to seriously prioritize upgrading their technology. ### 1/5 — Hate *2024-08-06, version 23.1.0* Terrible. Frustrating. Not intuitive, too many glitches. ## Most praised reviews (10 highest-rated) ### 5/5 — App *2026-07-27, version 25.2.0* Very simple and easy to work with! ### 5/5 — Thank you everyone at independent *2026-07-20, version 25.2.0* If it wasn’t for Gabbie I don’t know if I would have ever figured out how to bank properly. ### 5/5 — Best back! *2026-07-19, version 25.2.0* My bank app is great just needs a refresh button ### 5/5 — awesome service *2026-07-06, version 25.2.0* very easy to work with ### 5/5 — Ok *2026-07-02, version 25.2.0* Ok ### 5/5 — Business *2026-03-21, version 24.1.3* Amazing service ### 5/5 — Great mobile banking app *2025-12-20, version 24.1.3* Very functional and user friendly. I’ve been using it for years and never had issues. ### 5/5 — Amazing service always *2025-11-19, version 24.1.3* I love the people who work at the Copperridge location in Traverse City. They always greet me by name and in a big city they have the most small town homey feel! ### 5/5 — Great *2025-10-08, version 24.1.2* Love the mobile app. So easy to use. ### 5/5 — App interface *2025-05-10, version 24.1.0* So easy! : ) --- *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 2026-09-01.*