# Independent Financial Mobile — user reviews > 102 indexed App Store user reviews of Independent Financial Mobile by Independent Financial, rated 4.12/5 from 1,632 ratings. - Source: https://appshunter.io/ios/app/independent-financial-mobile/id541135282/reviews - App overview in markdown: https://appshunter.io/ios/app/independent-financial-mobile/id541135282.md - Rating breakdown: 5★ 1,059 · 4★ 196 · 3★ 86 · 2★ 93 · 1★ 198 ## What do users think of Independent Financial Mobile? Overall sentiment: neutral **Pros** - 👍 Easy to use - 🚀 Convenient mobile banking - 💡 Useful features like mobile deposit - 🔒 Secure login process - 👍 Intuitive navigation - 🚀 Fast and efficient **Cons** - 🐛 Occasional login issues - 🐛 Slow transaction updates - 🐛 Unreliable mobile deposit - 🔒 Excessive security measures - 🐛 Confusing UI elements - 🐛 Frequent app updates required **Commonly reported bugs** - Inability to switch between accounts - Pending transactions not accurately reflected - App crashes during login attempts - Delayed balance updates **Most requested features** - Ability to transfer between accounts at different banks - More detailed transaction history - Facial recognition login - Recurring payment setup - Improved mobile deposit process ## Newest reviews (15 of 102) ### 3/5 — Does the basics but non-intuitive UI *2024-02-12, version 15.0.5813* The repeated pop-ups on every screen are annoying. Also the app isn’t associated with the bank URL so password managers like 1Password don’t know which login credentials are associated. ### 4/5 — Does what most meed! *2023-09-04* I just have one suggestion; if it is available to add the routing number of the bank in the app. As a bank customer I don’t typically carry around my routing number on me, so instead of having to Google it and possibly getting it incorrect, maybe adding it to a choice in the drop down menu or something would help a ton! ### 2/5 — Maybe 2 stars *2023-07-17, version 14.0.5802* I was required to download and login to the app to continue using Zelle thru my bank account. I would have preferred to stay on the Zelle app. I have one contact that uses Zelle. Nothing I have tried allows me to send money to this contact despite having successfully sent money to said contact through the Zelle app. Thus far, I am not impressed with the IF app. ### 3/5 — Ok, but could be better *2023-06-08* This is a bare bone app at best. But then again, they aren’t Band of America so it’s sort of understandable. Things I would like to see— — a way to set up monthly recurring payments in bill pay — the ability to edit the register to add a payee’s name to the check. Now my bookkeeper has to look at each check —the ability to add a note to the recipient, a Memo, in Bill Pay This is my short list. They have been available for MANY YEARS in other banking apps. This one needs them. ### 4/5 — Mobile banking *2023-05-23, version 13.1.5727* Please look into updating your application, similar to what Chase and others are currently providing ### 2/5 — Sluggish *2023-04-29, version 13.1.5727* Needs more FAQ and real contact numbers ### 5/5 — Banking *2023-04-28, version 13.1.5727* Get place to bank ### 5/5 — Great *2023-04-27, version 13.1.5727* It is nice to check bank activity ### 5/5 — Love Em. *2023-04-25, version 13.1.5727* Sure do! ### 2/5 — Outdated *2023-04-25, version 13.1.5727* No remote deposit for treasury accounts. Security verification is annoying. Try face recognition. ### 5/5 — Functional *2023-04-20, version 13.1.5727* Very useful app. Does what it is supposed to do. ### 5/5 — Convenient *2023-04-19, version 13.1.5727* Convenient and reliable ### 5/5 — Independent Bank mobile app *2023-04-18, version 13.1.5727* Great, easy to use app! ### 5/5 — Very user friendly app *2023-04-17, version 13.1.5727* I love all of the functionality built into this app. Very robust app. It’s nice to be able to manage bill pay from your mobile device also. 👍🏼 ### 5/5 — Roger A. Haag *2023-04-09, version 13.1.5727* IF Bank has been my bank for over fifty years. I love banking from home and the friendliness I encounter when I do visit. I would never even think about leaving. My Bank for life! ## Most critical reviews (10 lowest-rated) ### 1/5 — Easy Fraud *2025-04-11, version 16.0.5912* My bank account through Zelle was easily hacked into & two times $500 that I did not authorize was taken out and now I’m having a hard time getting that money back. I would like to delete Zelle altogether from my banking account. ### 1/5 — Theft *2024-12-08* App is terrible. Bank lets accounts be taken over from identity thieves. If you are a victim of theft and card and wallet is stolen. The bank will demand you to file a police report and revoke your debit card even if it’s not your fault. Bank will refuse to refund unauthorized charges even though it says you are not liable for fraudulent charges in their terms and conditions. If you cannot provide a police report the following day they will decline your dispute saying you didn’t provide them the required documents even with your police report. App was hacked and funds were transferred and stolen. They refused to refund the charges. Customer service cannot help either. Quintin customer service manager will blame you the victim of theft and then he will close your account without reason. Even when the issue wasn’t caused by you or theft. I wouldn’t recommend this app to my worst enemy worst bank of the planet. They don’t refund unauthorized charges and they will allow you to be breached and blame you the victim. ### 1/5 — IF Mobile *2023-04-29, version 13.1.5727* Poor performance, can't log in! ### 1/5 — Every time there is a change in password *2023-04-22, version 13.1.5727* Every time you change your password it raises havoc with Face ID on an iPhone. This time it won’t allow me to enter my account, it says an error has occurred and sends me back to the log in page with no explanation as to what I need to do to get past the error. ### 1/5 — It’s a pain *2023-04-18, version 13.1.5727* This app is a pain to use. The way you have to get a secure access code every time — with a phone call instead of simple text—is ridiculous. ### 1/5 — Going between 2 accounts *2023-03-18, version 12.2.5727* I can’t go between both of the checking accounts without logging off then log on again Gets to be a pain in the neck should be able to go from one to the other without logging out then in again ### 1/5 — Some ok features but- Interest rates are impossible to find on the App *2022-11-19, version 12.2.5724* The app, seems to work as well as pretty much any other financial institution, with the exception that interest rates are impossible to find without telephoning the bank or going online from a desktop computer. With the volatility in interest rates, I think they could do better by posting them on the app too. ### 1/5 — Hate this bank *2022-07-01, version 12.0.5716* This app is the worst. My wife and I are constantly having to call the bank and be on hold for an hour because we are locked out of our account again(!) and then change our password for the umpteenth time. This happens almost every time we try to login on this freaking app! It is time to change banks! ### 1/5 — Most unreliable app *2021-03-10, version 10.2.5601* If you would like to never know your actual account balance, be unable to log into your bank account half the time to check the balance because it’s undergoing maintenance. Or if you really enjoy the servers being down on this app and not even being able to log in then this is the app for you if not bank somewhere that doesn’t have an archaic system that doesn’t work half the time. ### 1/5 — Bad App, bad! *2020-01-31* it’s very frustrating how often the company updates the app with “minor” issues. The app does not allow users to access their accounts unless they perform the newest update. Since the switch to “independent financial” there have been several of these. My phone does not perform updates unless connected to wifi and there have been multiple instances where i needed immediate access to the app and my accounts but was unable to because the app needed yet another update but i was not close to wifi...very frustrating. you should still have access to accounts without the wifi, it’s my money i should be able to see it. ## Most praised reviews (10 highest-rated) ### 5/5 — Great app! *2023-06-21, version 14.0.5802* Fast and efficient ### 5/5 — Gets better *2023-06-06* You’ve managed to improve the ability for me to access my accounts. It used to take a trapeze and tight rope actions to get the program to give me my answers. Thank you and keep up the good work and complaints honestly will subside. ### 5/5 — Great app *2023-06-02, version 13.1.5727* Easy to use, very intuitive. ### 5/5 — Easy to use *2023-05-31, version 13.1.5727* I can’t think of anything that I would change. ### 5/5 — Works well *2023-05-25, version 13.1.5727* Works well, the only thing I don’t like on the desktop is that it never actually registers the device. You’ve got to do it nearly every day. ### 5/5 — My Bank *2023-05-14, version 13.1.5727* Like having a friend in the banking business. ### 5/5 — Works great for our family! *2023-05-10, version 13.1.5727* I feel confident using the app, and someone is always available to help if I have a problem! Thanks ### 5/5 — Jo Dennis *2023-05-10, version 13.1.5727* She is courteous,kind, helpful and has common sense. If not for her I probably would have switched all over to credit union by now. She’s an incredible asset. ### 5/5 — Jon Poe *2023-05-07, version 13.1.5727* Independent bank rocks! This app is seamless and idiot proof, which I really need ### 5/5 — Review *2023-05-01, version 13.1.5727* I like this ap very much! I love the bank and how east everything is to do. --- *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 2026-06-10.*